davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

My mortgage company has not paid my property taxes. They were originally due in XXXX, and have incurred fees every month since then. I have called the mortgage company every day to try to resolve, but no action has been taken. I have had my mortgage company and the property tax collector on the phone with me at the same time to try to resolve the issue, and it was discovered that the mortgage company had the wrong parcel number. This has been corrected, but the taxes have still not been paid. They are now listed as delinquent, and our names have been posted in the local paper as being delinquent on paying our taxes. When I call the mortgage company every day, i speak to a different person every time and can not request to speak to someone familiar with my case. 2 weeks ago they told me that a check would be overnighted to the tax collector, but no check has been issued. Im at my wits end, and dont know what else to do. As of XX/XX/XXXX, a lien will be issued on my property.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )
Consumer complaint received 2022-06-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (GA)

My ID Theft company alerted me that an account had been opened in my name at TD Bank. Together we called the fraud department at TD Bank. The TD Bank employee took the information and stated that they would investigate and get back to me in writing. They also said that we were not to call to check on the progress of the investigation. They would give me NO information about the account type or anything. This was over 1 month ago and I have received nothing from TD Bank regarding this matter. 
As a result, I have had to freeze all of my accounts, launch fraud alerts at all of the credit bureaus and XXXX XXXX so I am not de-frauded. 

I want TD Bank to respond to this investigation, perhaps you have some leverage with them?
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo has been reporting fraudulent mortgage information to XXXX, XXXX, and XXXX. I have contacted them several times to correct the information but they continue to lower my credit score with false and fraudulent information. listed below are the actions they have done.

1. Wells Fargo has labeled my accounts with the credit bureaus as a Account Included in Bankruptcy, account in XXXX  XXXX Bankruptcy and Loan Modified. None of this is correct and this has a major impact on my credit score.

2. Wells Fargo does not list their account as Purchased by another lender, or that they Transferred to another lender.

3. Wells Fargo list date of last payment and 1st delinquent payment as XXXX/XXXX/201. Last payment was XX/XX/2016 because account was paid off and was closed XX/XX/2016. 
Wells Fargo list the account on my credit as if it is a second mortgage.
Consumer complaint received 2022-08-22
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. (IL)

Hi I am submitting this 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc. (TX)

After signing up with Creditrepair.com as advertised by credit.com where we monitor our credit scores they offered a XXXX discount monthly in which was only honored for the first month and signing up my spouse to take advantage of the 50 % off for having multiple accounts. Creditrepair.com informed me after reaching out by their chat feature and calls the discounts are only honored for one month. We continued to use their service despite the mis advertised discounts. As more than 30-45 days passed we noticed little to no updates on the member portal. We have several accounts with dates from XX/XX/30 untouched. We also uploaded documents to assist with the process and no action was taken from XXXX until XX/XX/XXXX! This company purposely did not work on the items uploaded or Items from XXXX but continued to charge me. When I called I got XXXX on the line who told me numerous times use the website. I cant ask the website why work is not done that I am paying for. After some frustration I got to his manager who put in a Heavy documentation dispute. She informed me it is my duty to call after uploading documents and to review them with a CSR. Nowhere on their site or when I called in or in chats was this told to me. After calling and chatting to keep on top of everything I get another manager who tells me I am wrong and my account was opened in XXXX not XXXX and to look at my service agreement. Im looking at the agreement and it states XX/XX/XXXX. She realized she had the wrong account after I confirmed my sensitive information to confirm my identity. She stated I should call daily if I want any work done or she can cancel my account. Very rude and did not take responsibility for her mistake. I am asking for refund for dates from XXXX to current as services not rendered and promised not kept. Delays on their behalf. Rude Managers and no assistance throughout the process.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (PA)

I have noticed these inquiries were placed on my consumer reports. I do not wish to disclose such information on my reports as I did not give consent for these hard inquires to be placed on any of my consumer reports. Thank you for understanding. Below are the inquiries I wish to be removed from all consumer reporting agencies as soon as possible. I am aware that in order for anything to be furnished on my consumer report you must have my consent, in which at this time I DO NOT GIVE YOUR COMPANY CONSENT TO FURNISH ANY INFORMATION about me. 
XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (NC)

I sent a letter off on XX/XX/2022. I told the credit bureau to " investigate every piece of information '' on the account I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

Account # XXXX has violated my rights According to Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Also 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-06-08
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)

I sent a letter off on XX/XX/2022. I told the credit bureau to " investigate every piece of information '' on the account I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

Account # XXXX has violated my rights According to Section XXXX ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Also 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 a XXXX money transfer was made from my checking account to a XXXX XXXX for the amount of {$480.00}. On the same day I reported it to my bank that I never authorized this transfer and I dont know who the recipient is. 

Wells Fargo immediately closed all of my online access and closed the checking account. 3 days later I called to see the status and was issued a new checking account number. They told me they would be investigating the transfer. 

On XX/XX/22 I received a letter stating they finished their investigation and the claim has been closed. No reimbursement to my account was made. Follow receiving this letter, I called the claims center and spoke with XXXX from Wells Fargo, he would not give his ID number. After 30 minutes of getting no where, I asked to speak with his manager. I was put on hold for 15minutes. And was told he couldnt transfer me, but would transfer me to resolution dept. After 15minutes of holding, the line discounted. I call a gain, and then spoke with XXXX # XXXX from Wells Fargo. After she reviewed my claim, I was told to submit an incident report or police report. I explained that I have no documentation, except what I have already explained to them. I have no such documentation to prove it was not me who did this online transaction. I have no information to file a police report.
Consumer complaint received 2022-06-08
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: Professional Placement Services, LLC (WI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

This is the only correct address that should be listed on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX Also my correct name spelling is XXXX XXXX XXXX this is the only correct name that should be listed on my Credit Report I have no other variations of a name.. Also I have only one phone number XXXX I have provided complete documentation to the Credit Bureau 's on multiple occasions by Certified mail and still they have not corrected the Personal Information
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX I filed a request with Experian to remove an account that was over 10 years old and closed which was a XXXX Credit Card that was closed in XXXX. They didn't do that because I filed a dispute showing that my credit report showed the account was closed in XXXX and they did delete it, but! They also show a XXXX  that was updated in XXXX which is still showing it will stay on my record until XXXX. This is NOT a credit card, it is simply Experian 's incorrectly making it look like we had a second XXXX  credit card, which we did NOT! My late wife and I had only 1 Credit card with XXXX  which was closed in XXXX. We did have a 2nd Mortgage on our home in XXXX but it was paid off and closed when we sold the house and moved to TX. This second account showing is not a credit card, it is a reflecting the fact I filed a dispute and Experian made it look like a credit card IT IS NOT! It should be deleted, there is no credit card, they should call XXXX  and confirm and then delete the listing in my credit report because it is in ERROR! 
Experian is refusing to delete this entry in my credit history, it is in error!
Consumer complaint received 2022-06-08
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: Aqua Finance, Inc. (NC)

In accordance with the Fair Credit Reporting act, Aqua Finance, Account Number XXXX, has violated my rights to fairness and privacy. 

At no time did I agree this transaction be disclosed : -15 U.S. Code 1681, Title 602, Section ( a ), outlines my right to fairness and privacy At no time did I direct the creditor to furnish any reports, either in writing or otherwise : -15 U.S. Code 1681, Title 604, Section ( a ), Paragraph 2, further states that a consumer reporting agency may furnish an account only with my written instructions
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Dear Sirs, During my visit to XXXX last XX/XX/2022, I opened a joint checking bank account with my companion, a US Citizen at Citibank N.A, XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX was the handling officer. We informed XXXX XXXX that I was a XXXX  resident and my companion, a US citizen, both residing in XXXX, XXXX. 

My stepson a US citizen as well, was also added to the account to facilitate communication and access to the bank as he resided in XXXX. 

I have since regularly sent all or part of my monthly paychecks from my XXXXXXXX XXXX acct. In XXXX, via their corresponding Bank, XXXX XXXX, to my Citibank account to cover my expenses and those of my family and our visa card payments. 

My account was blocked on XXXX XXXX, after a transfer from my XXXXXXXX XXXX account to my Citibank account. 

To date ( two months have passed ), we have continuously attempted to contact the bank customer support and visit the branch. However, we are constantly ping-ponged around and unable to get a clear answer as to why the account was blocked and what needs to be done to recuperate our funds. During our last visit ( XXXX of XXXX ) with XXXX XXXX XXXX, the present branch manager, he could not provide a concise explanation or resolution despite his kind and genuine attempts to help. 

We kindly request your assistance in understanding and attempting to resolve this issue so we can recuperate our funds.
Consumer complaint received 2022-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I dont have access to my credit score, security freezze and disputing thing online with experian since XX/XX/2022 I keep calling them but they never tell me what is going on and they say that they are going to fix it but never fix it
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (RI)

They have rearranged my purchases to purposely go in the negative and I specifically remember and documented that I had enough funds for all the purchases. they have done this countless of times and I dont get paid till next week so Im gon na get overdraft fees. For example I had a purchase of around XXXX but I then refunded it with the company. How does the purchase come after the refund? They rearranged it that way so it can go in the negatives. I bank with Wells Fargo.
Consumer complaint received 2022-06-08
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, XXXX XXXX am complaining about XXXX XXXX XXXX under the account # XXXX in which this account contains fraudulent charges and was opened fraudulent and I have no idea who the person is. I have attached the FTC reports pertaining to this fraudulent account and am pushing to have this removed from my Transunion credit report.
Consumer complaint received 2022-09-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lustig, Glaser & Wilson, P.C. (RI)

cosign for daughters car, she didn't pay car was totaled she kept funds, Lustig Glaser & wilson of XXXX was was receiving payment XXXX a week from my bank acct no switch it over to XXXX XXXX XXXX att for plaintiff XXXX XXXX XXXX XXXX XXXX never received any notice to go to court and its for amount of XXXX which half was already pain to other dept collector and now its in XXXX court any never heard of court date just sent constable to my home with papers for judgement and levy on my home. civil action file number XXXX
Consumer complaint received 2022-09-25
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 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: TD BANK US HOLDING COMPANY (TN)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Consumer complaint received 2022-06-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 a transaction of {$4900.00} along with on XX/XX/XXXX, four more charges of {$26.00}, {$640.00}, {$1000.00}, and {$1700.00} were charged on my XXXX debit card by an unknown person. I filed a complaint first with Chase bank with their Claims department. They reversed one of the transactions ( {$26.00} ) when we filed the claim but later counted it again when they said that this transaction along with the other four were made with the physical chipped card/pin and so denied these charges. I later learned that our debit card was most likely stolen from our mailbox because we never received it. The building where our business was located sent us an email saying our mailbox is compromised and that we should take our mail before nightfall daily.