davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I have a card with Wells Fargo financial. I am attempting to pay my bill online and by phone. I do not csrry a balance, but I have a {$35.00} dollar annual fee that is due tomorrow, XX/XX/2019, but I am unable to make a payment online or on the phone because the system is not operational. The web site says there is a problem with my account and to contact them at XXXX. When I call the number, an automated message says " Wells Fargo Financial '', music plays for several seconds, and the phone is disconnected. I get identical behavior when I try the XXXX number listed on the bill.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

I had applied to the City of XXXX for a tax deferral. I was found eligible and was sent the paperwork to process my eligibility by the city. A letter needed to be signed by Chase as my taxes were paid by them through escrow included with my monthly mortgage payment.. When I reached out to them, I was told they could not sign the letter of permission because my taxes were escrowed and paid with my mortgage payment. I looked further into this situation and was told by Chase that my taxes did not need to be escrowed and they were willing to unescrow the tax portion of my monthly mortgage payment. I reached out to Chase again, requesting they sign the form since they no longer need to escrow my taxes. They said no, it is not their policy, with no further explanation when I inquired. 

As a recent widow, finances have been a struggle for me. The help that having my City of XXXX taxes deferred could provide me would make a great difference in my ability to manage my finances. I had been told by a City of XXXX employee that other households in XXXX that have mortgages from Chase have received permission from Chase to have their taxes deferred. Any help you could be to me to remedy this situation would be greatly appreciated. I am available to answer any question or provide further details as needed. 

I am attaching the following dated documents : 1 ) XX/XX/XXXX Notification from the City of XXXX - letter of eligibility and requirement for signature of document- by Chase specifically 2 ) XX/XX/XXXX Letter from Chase that they will not comply with request for deferral of taxes 3 ) XX/XX/XXXX Official letter from Chase adding my name to loan as a successor in interest after my husband passed away.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

I I deposited {$1100.00} at an ATM Wells Fargo XXXX XXXX XXXX the ATM did not give me a receipt and also put the wrong amount in my account only saying I deposited {$710.00} when I really deposited {$1100.00} in cash I then filed a report with the bank and they did an investigation and they said that they did not make a mistake after a month and a half of looking into it I firmly disagree with this decision because this is fraud I counted the exact money that I put into the ATM on XX/XX/XXXX and it was {$1100.00} so the bank needs to take responsibility for this and give me the {$400.00} that they owe me. They are refusing to hear my complaint and challenge their decision and poor investigation I feel that this is criminal to steal money from a customer when Im depositing cash at an ATM that doesnt print receipts like it should. Please help!!!
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Simon's Agency, Inc. (NY)

I have made disputes to XXXX  to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation  from the collection agencies and made multiple disputes with XXXX, including an XX/XX/XXXX dispute through the CFPB about XXXX  not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the XXXX XX/XX/XXXX dispute investigation. XXXX confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to XXXX  by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem to have indicated that nothing else matters, including the privacy of my medical information. 
SIMONS AGENCY received one dispute through XXXX prior to this complaint. XXXX has told me that my XX/XX/XXXX CFPB complaint was attached to the dispute sent to Simon agency. I contacted Simons agency and was told there was an attachment to the dispute.
Consumer complaint received 2022-04-20
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now iXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2019-10-03
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. (CT)

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.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

I have a checking, credit card, and brokerage account with Wells Fargo. On XXXX we had an issue with our brokerage account since we were converting it from a cash account to margin. I used my Wells Fargo credit card to pull a cash advance in the amount of $ XXXX and moved it to our brokerage. After finding out I didn't need to do this ( since the margin call was erroneous ), I paid the cash advance back in full XX/XX/XXXX ( before my credit card statement ). I called and spoke to customer service and a supervisor to request leniency and understanding to have the {$350.00} cash advance fee reversed since I paid the amount immediately. They refunded {$20.00}. Then my statement cut and even though I already paid the entire balance before the statement, I was charged {$38.00}. I requested this be refunded on XX/XX/XXXX which was denied. Completely appalling for Wells Fargo to claim that their internal process does not allow fee reversals anymore.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TN)

I called the company and made the problem known. The person filled a report and someone emailed me said they were working on it. Thats as far as its gotten. My account is still frozen and Ive not had any further contact with Credit Karma and the problem still prosiest. Im livid over this never thought Credit Karma was unsafe but now I see they are criminals.
Consumer complaint received 2021-12-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authting on my Credit Reports : XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Good day, I am contacting you regarding a serious privacy concern. I did not authorize this information to appear on my credit report, and your inclusion of it is a clear violation of my rights. This unauthorized reporting is damaging my credit score and unfairly harming my reputation. Its also resulting in my new credit applications being denied, creating significant and unnecessary hardship in my life.
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

When Wells Fargo migrated Well Fargo Auto to WellsFargo.com my birthdate was incorrectly entered in the system ( as confirmed by Wells Fargo customer service ). This prevents me from accessing my account and account information online. **I do not receive statements of payment** of my loan and can not see history of payment, all I see is that my bank account is getting drafted every month. 

When I called Wells Fargo to get this resolved, after multiple hours on the phone no one was able to help me or change the information associated with the loan.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My loan was transferred from XXXX XXXX to Shellpointortgage servicing. I made my payment in XXXX to XXXX  for XX/XX/XXXX. Shellpoint said I owed them for XX/XX/XXXX. XXXX said all funds were transferred over but shellpoint never fixed their records. I make my payments on time every month but they keep applying them to the previous month and then telling me I am overdue on my mortgage. They also did not properly apply all of my escrow payments so my escrow account has several thousand dollars less in it than it should. I ended up having to pay my own insurances because they never paid them from my escrow account like they were supposed to. I have called both companies repeatedly and sent in proof of the XXXX payment as well as the insurance payments I have made and they still have not corrected this problem. Instead they just keep calling me and telling me I owe them more money, when in fact they owe me over {$10000.00}. I do not know what to do as this has been going on since XXXX and it still has not been fixed on their end. I did nothing wrong and I am being harassed by them.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Back in XX/XX/2020, I was scammed via XXXX. A friend of mine contacted me via XXXX ( which she regularly did ), and asked me for XXXX dollars. Since we are good friends, I told her I could only send her XXXX, which I did to the email address she provided. I called her immediately to confirm, and she then told me a hacker had gone into her XXXX account and was texting various of our friends. I tried calling my bank, but it was XXXX XXXX, so I contacted FTC instead. Since that day, I've been filing various reports with my bank. They refuse to refund me.
Consumer complaint received 2020-08-13
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: Experian Information Solutions Inc. (FL)

The following account ( s ) must be deleted from my credit report as a result of fraud : 1. Identity Theft XXXX XXXX Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 
2. Identity Theft XXXX XXXX Account XXXX : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 
3. Identity Theft XXXX  XXXX  Account XXXX : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 
4. Identity Theft XXXX  XXXX  Account XXXX : XXXX This account is on my credit report as a result of fraud. I did not apply for this account and it does not belong to me. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ENOVA INTERNATIONAL, INC. (WI)

I received the following email and I did not apply for a loan : XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX, XXXX, WI, XXXX Dear Applicant, Thank you for your recent application. 
Description of Account, XXXX, or XXXX XXXX : Application for a personal installment loan. 
Description of Action Taken : We have declined your application. 
Principal Reason ( s ) for Action Taken Concerning Credit : You have submitted an application that was declined within the last 365 days. 

Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 

If you have any questions regarding this notice, you should contact : Creditor : NetCredit Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2021-03-05
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: SYNCHRONY FINANCIAL (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/XXXX. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$1200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-06-21
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. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-06-21
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ascendium Education Group (AZ)

Loans dated back to XXXX - XXXX from XXXX XXXX XXXX students were consolidated in XXXX through XXXX XXXX or whichever provider was available at that time. Over the years I have had my wages garnished, collected upon through Federal tax deductions and I somehow still owe XXXX dollars from loans dated back XXXX - XXXX. 

XXXX XXXX XXXX students students were recently granted reprieve from false tactics used by that company. However, the dates only go back to XXXX for some reason. 

All students of XXXX XXXX XXXX students were told false claims about job placement and credit transfer. I had to absorb more loans due to the fact my credits were not accepted by University of XXXX and its subsidiaries. 

I have never been shown how much I have actually paid since each company can put collections costs on top of debt which continually is passed around garnering more collections costs. 

Please help research why these XXXX XXXX XXXX students loans are not applicable to the federal act signed by President Biden. 

XXXX XXXX XXXX students loans are held by Ascendium currently. One example of never getting out of debt with these companies is exhibited below : One loan has an original disbursement date of XX/XX/XXXX via consolidation loan which were all used to pay off XXXX XXXX XXXX students Example 1 : Original loan amount {$11000.00} Currently owe ( via dept. of ed. site ) : {$15000.00} Example 2 : Original loan amount {$9500.00} Currently owe ( via dept. of ed. site ) : {$11000.00}
Consumer complaint received 2022-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (FL)

The XXXX XXXX XXXX XXXX XXXX reported I had no debt. they provifef ref # XXXX. Additionally, a VA Medical care copayment of {$500.00} was made XXXX @ XXXX on my XXXX XXXX czrd lastr XXXX XXXX. I have an e-mail from XXXX  XXXX XXXX, acting CEO of XXXX XXXX stating there is a XXXX balance.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( PROGRESSIVE, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-05-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2021-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 we made an international wire transfer from our XXXX bank XXXX, XXXX for {$28000.00} to our bank Wells Fargo in the USA and the money never appeared in our bank. 

We have tried to clear this up numerous times with Wells Fargo, that denies ever receiving such money. 

XXXX denies having this money and claims Wells Fargo has it
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

Lexis Nexis and/or XXXX XXXX provided information to credit bureaus after a security freeze was in place. No information is permissible regarding self to be released to credit bureaus or any other companies for any reason.