davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I have been requesting mortgage assistance for months with Wells Fargo Home Mortgage. My mortgage is a line of credit, the interest rate is changing and terms of the loan. I went to Wells Fargo XXXX TN to finance the purchase of my home. 
Wells Fargo representative did a line of credit on my home, instead of a 30year mortgage that I requested. I trusted Wells Fargo but all they have set me up to loose my home.I did not know or understand the mortgage that was on my home. I have been infected by Covid-19 and Wells Fargo still has not assisted me with mortgage assistance request. Wells Fargo Bank has entered into a federal consent order for XXXX XXXX TN XXXX, TN for ethical and discriminatory practices with their mortgage lending. I know I'm also a victim of their lending practices
Consumer complaint received 2020-05-29
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. (LA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} XXXX {$7400.00} XXXX XXXX {$2100.00} XXXX {$60.00} XXXX {$9500.00} XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX {$18000.00}
Consumer complaint received 2023-03-15
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. (MD)

In or About XXXX, XXXX, I moved to XXXX XXXX area for work. Right after I moved but in the process finding a permanent resident, a XXXX at XXXX offered a stored card at the time of check out. She asked for my driver 's license. I gave her a Utah driver 's license because I just moved and I haven't gotten a California driver 's license. The cashier did not ask me for an updated information. She just scanned the Utah driver 's license and gave me a temporary number on a receipt for the new card. I paid for the groceries with new card. 
The cashier did not ask my new address. The driver 's license she scanned had an old address. I did not receive a bill or a plastic card from XXXX until the late payment showed up on my credit report. I paid the balance as soon as I found out. 
XXXX failed to ask me for up-to-date information at the time as the cashier failed to collect accurate information. It resulted in a late payment. 
I disputed this fact with Experian multiple times. But Experian kept shutting my dispute down within hours, commenting " account previously in dispute - investigation complete, reported by data furnisher ''. Adding in 're-investigation information ' section, " this item was updated from our processing of dispute in XX/XX/XXXX. '' Experian doesn't disclose what information it received from XXXX that showed I wasn't telling the truth. It failed to investigate my complaint.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MD)

I began receiving bills from XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX company in XX/XX/XXXX for services rendered in XX/XX/XXXX. Upon receipt of the first bill, I reviewed my explanation of benefits ( EOB ), which explained that dollar amount was the contracted adjustment and the patient ( me ) was not responsible. I contacted the billing department for the above company and they stated they would make notes as they were awaiting the EOB and to disregard the bill. In XX/XX/XXXX, I received another bill requesting the same amount. This time the individual I spoke with informed me that they received the EOB and the adjustment would be made to my account and to disregard the bill. In XX/XX/XXXX, I received another bill - at this point I became concerned that this would lead to a report to the credit agency bureaus. The individual I spoke with time stated the same as the previous employee, that they had received the EOB and the system would be adjusted to reflect no monies were due from me. The individual further explained that they were unable to prevent the bills from being sent but instead reassured me that based on the EOB the account would be corrected and I could ignore any more bills as once the account has been corrected the bills would cease. I asked would the fact that I had been receiving bills monthly cause my account to be turned over to collections and was told no because I was not responsible for the balance. I did not notice any more bills effective XX/XX/XXXX. Today, XX/XX/XXXX, I received a call from IC Systems, a debt collection agency regarding a bill with XXXX XXXX XXXX XXXX. Per the debt collector, the account was submitted to them on XX/XX/XXXX. I called the billing department today and the automated system stated that the wait time was in excess of 50 minutes ; however, at the 30 minute hold time the call is automatically disconnected- this happened twice. I have attempted to reach their corporate office to no avail. My employer requires me to not have any derogatory items on my credit and this false report to the debt collection agency had placed my employment in jeopardy.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (AZ)

In XX/XX/XXXX I made an account with Chime bank. I was transferred {$1900.00} into this account and didnt touch it until XX/XX/XXXX. In XXXX, I did what I thought was link my XXXX bank account with my Chime bank account. The only way to link them is to go to my XXXX app, which unlocks to my personal account only using XXXX XXXX, meaning I only could have linked my personal XXXX account. After doing this, I transferred the {$1900.00} from my Chime account to what I thought was my Chase account and didnt think about it again because I was saving the money. On XX/XX/XXXX I realized the funds never transferred and I contacted Chime member services immediately. I was told that the {$1900.00} was transferred into a XXXX account that was not mine. I was given the account and routing number for the XXXX account that the {$1900.00} was transferred into and was told to contact XXXX. I was told that since the funds were already transferred and cleared, there was nothing that Chime could do for me. I called XXXX right away and was told by a XXXX member that the account and routing number that the funds were transferred into does not match any account and/or routing number of theirs. I was told I need to get back in contact with Chime because XXXX obviously could not do anything for me. I called Chime back right away and was finally able to file a dispute over the phone. The dispute was denied within XXXX hours, saying no error occurred. I called Chime and was told by a chime member that my situation would be getting escalated because it was of high importance and that I would be hearing back from them ASAP. After not hearing back for at least a week, I called Chime again and was told my situation was not escalated and that I need to file a rebuttal. I filed the rebuttal and was told Chime has 45 days to get back to me. I have attached 2 images, one showing the last 4 digits of my personal XXXX XXXXhecking and savings accounts, and the other one showing the last 4 digits of the account that the {$1900.00} was transferred into. They clearly do not match, and the account that the funds were transferred into say XXXX next to them, even though its not actually a XXXX account. There is very obviously some kind of fraudulent activity going on within Chime and I would love to finally get to the bottom of it and have my money returned to me.
Consumer complaint received 2023-12-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MO)

I have been repeatedly contacted by TrueAccord regarding a debt they allege is owed by someone else. They continue contacting me despite my telling them clearly that I am not the person they are looking for. I suspect that the debt may be owed by a fraternity chapter that I was associated with in the past. I provided them with suggested means of contacting them. 

I have notified that should they continue contacting me I will bill them for my time in assisting them with doing their job.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (CA)

XXXX ; Experian and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (NY)

To Whom It May Concern, I am looking over my credit report and for the past few months XXXX  is the only company that show 's my barclay 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as barclay 's. I have provided a screen shot of XXXX  showing I have a barclay 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.
Consumer complaint received 2022-07-30
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. (TX)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific inaccurate information in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
2018 XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC (NC)

On XX/XX/XXXX XXXX pay {$350.00} on my credit card then I was told since I paid after my due date that it was more than enough to cover XXXX and XXXX then on XX/XX/year> an XXXX late payment was added to my credit report XXXX XXXX XXXX and XXXX the credit card company that is Celtic Bank/ will not remove the late payment there is no live person to talk to about this if the late payment was in XXXX why did they wait till XXXX to report it now I found out it wasnt the payment they reported it was some late fees that they never told me I had
Consumer complaint received 2023-03-15
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. (NY)

INCORRECT INFORMATION IN MY REPORT. ACCOUNTS : XXXX {$14000.00}. XXXX {$11000.00}. XXXX XXXX XXXXXXXX {$11000.00}. XXXXXXXX XXXX XXXX  {$800.00}. XXXX XXXX {$800.00}. XXXX XXXX {$11000.00}. XXXXXXXX XXXX {$4800.00}. XXXXXXXX XXXX {$3000.00}. XXXX {$6200.00}. XXXX {$900.00}. XXXX XXXX {$16000.00}. XXXXXXXX XXXX $ XXXX XXXX {$7500.00}. XXXX XXXX XXXX {$800.00}. XXXX XXXX XXXX {$5900.00}. XXXX XXXX {$300.00}. XXXX XXXX {$76.00}. ADDRESSES : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

For over three years, Ive attempted to control my mortgage loan with Nationstar/ Mr. Cooper XXXX without any success. When working on receiving a modification, my attorney was placed on the loan as a point of contact. The attorney is no longer involved in anyway with my loan. 
Meanwhile, Im unable to retrieve pertinent information in order to monitor my loan, but continue receiving the following message from my lender. 
Important messages about your account are not getting delivered. Please update your mailing address and register for Paperless Delivery to ensure you receive all communications. 
The documents included demonstrate my attempts to have the attorneys name removed from my loan based on the advice/information provided by Nationstar/Mr. Cooper. I was advised to send a written request, which I did, only to then be informed that I, the loan holder, can not make the request, and only the attorney can do so. To complicate the matter, the attorney in question is being investigated by the Department of Justice and the XXXX XXXX Office of the District Attorney, therefore, making it inappropriate for me to have any contact with him due to his connection to my loan. When sharing this information with the lender, their comment continues to be, Theres nothing we can do. 

OTHER ATTORNEY REPRESENTATION If you have attorney representation for any other mortgage-related matters, we will send all correspondence to your attorney. To resume sending correspondence to you, we will need written verification you are no longer being represented by an attorney regarding your mortgage. 
You can send verification by fax to XXXX, or mail to : Mr. Cooper Attn : Customer Care XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-03-23
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. (KY)

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 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, XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX # XXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

My problems began in XXXX when my only son XXXX  out of state. When we go home, my husband was diagnosed with XXXX XXXX. He died that year in XXXX. At that time my income was reduced to less than half, I was left only with survivor spouses share of his annuity. I also had a very small Social Security income due to my few years of working and I was a XXXX of a small XXXX XXXX. 
In XXXX I was put in the hospital as an emergency with a lump on the XXXX XXXX XXXX XXXX I was immediately put into intensive care for approx 6 weeks. Then I was declared a XXXX and put in a XXXX home until I could get someone to care for me in my own home. 
In XXXX of XXXX, I issued a power of attorney to have my fiances handled as I could no longer use my XXXX XXXX XXXX XXXX, I was XXXX. I also lost the XXXX   because we lived out of town and no one wanted to take over the business, even when I tried to give the business away. The business was closed and I lost that small amount of income from that business. 
In XX/XX/XXXX, my POA notified all my credit card companies, all my charge accounts, and Bank of America whom possessed my mortgage account at that time. The Bank of America was requested to close the account because of the health and financial changes. All these companies were notified of the change in health and income changes and advised that there was no money in the bank so they were asked to stop the automatic payments. Most of the companies did not stop the automatic payments and the bank refused to close the account because they said XXXX had to personally come in to close the account. I don't know how they expected a bedridden person without transportation to personally appear at the bank but they did. As a result of the continued automatic payments the bank account was drained dry. When the Bank was asked to close the account there was approx {$1200.00} in checking and {$400.00} in savings. The bank sued me for outstanding balance. That still has not been paid as I have no money. The XXXX XXXX XXXX knowing the circumstance turned my mortgage account over to XXXX XXXX XXXX. I have tried to get them to lower the interest rate of XXXX percent, the loan payment, refinance the loan, close the account without further payment due to the unscheduled health and financial changes which was outside of XXXX 's control. 
XXXX has lived in the home since approx XXXX and wished to stay there until she dies. She is elderly, XXXX and the only other options would be to be put in a state run XXXX home.
Consumer complaint received 2022-07-30
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. (MI)

On XX/XX/2022 experian contacted me and said their dispute bankruptcy remains. But this is a serious violation Experian is suppose to report accurate consumer information but they don't follow the laws they are reporting a bankruptcy that is not mine they claim that they verify this information through XXXX I've spoken to XXXX and this information was not in there system I even have the investigation report from XXXX that I sent to Experian but yet they refuse to remove this information.Experian is in Violation 15 U.S. Code 168a, The law states in 15 U.S. Code 168a under Exclusions : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.Experian is also in violation of Violation of FCRA 15 U.S Code 1681b 2, They did not have permissible purpose to furnish this inaccurate information A consumer has a right to privacy there is no public record on XXXX nor XXXX Credit Bureaus plus the information is false.
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IL)

I opened a new Wells Fargo account using their website on XX/XX/2022. On their website I put in my XXXX account information so they could pull {$500.00} from my XXXX account to the Wells Fargo account to initially fund the account. Wells did pull the money from my XXXX account on XX/XX/2022, but they never deposited it into my new Wells Fargo account and they lost my money. They don't know where it is. When I call XXXX, they tell me they sent the money per the instructions received from Wells Fargo. So the money is somewhere at Wells Fargo and they just can't find it and they are telling me they don't have it. I am attaching the activity from my XXXX account showing the money was pulled by Wells Fargo from my XXXX account. 

When I called Wells to complain, they took away my online access from all my accounts ( 2 credit cards and the newly created checking account ). So now I can't get into any of my accounts.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (CO)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.