davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IN)

Filing a complaint regarding Wells Fargo Home Mortgage & their inability to process our modification request on a VA loan that ultimately resulted in wrongful foreclosure action taken by WFHM back in XXXX of XXXX. I reached out to Wells Fargo recently ( XX/XX/XXXX ) after seeing the news that $ XXXX settlement had been reached for parties that had been part of wrongful foreclosure actions & failed mortgage modifications attempts by Wells Fargo from XXXX until as recently as XXXX. 

My VA loan was wrongfully foreclosed upon in XX/XX/XXXX due an error @ Wells Fargo 's hands because of mismanagement of our escrow accounts funds. Making matters worse, Wells Fargo took {$4700.00} to begin working out the modification process that was sent through XXXX XXXX per WFHM instruction. Faxed 100 's of pages of tax documents on top of sending them money but money was never applied, paperwork lost & foreclosure action was taken after all we had done @ the instruction of Wells Fargo to avoid them taking the house. 

Upon contacting Wells Fargo recently, they have NO record of our loan transaction, since it was purged from the system.. & anything after XXXX is supposedly no longer available to Wells employees XXXX 

The National Foreclosure Settlement Act found that Wells Fargo had acted negligently & foreclosed on our home of 30+ years in error. Wells Fargo mislead us into the modification process, mishandled important documents & monies we sent them to find a resolution to problem ( Which they caused ) & still 10+ years after the fact -- My VA benefits have been destroyed & a veteran, as well as their family were displaced due to WFHM missteps. 

My hope is that the CFPB will hold Wells Fargo Home Mortgage accountable for the actions they took that have caused irreparable angst, stress, loss of sleep & embarrassment due to errors on their part that caused the loss of my family home in XXXX Alaska. Their lack of record keeping & accounting is still awe shocking 10 years after the event. 

Hopefully, this time with your help, some sort of justice can be had from all the horror these folks have caused myself, my wife & family. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (PA)

My loan should not be with EdFinancial. After consolidation, I was placed with Edfinacial in error. I am on track to XXXX. I have been with XXXX. XXXX administers the student loans for the Federal government. I have been paying my loan through XXXX. My XXXX  counts are online with XXXX. I spoke with AIdvantage on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. XXXX told me my loans would be pulled back from Edfinacial to XXXX. 
I contacted Edfinacial on XX/XX/XXXXXXXX  and spoke with a customer representative XXXX. I provided XXXX with my case # XXXX from the Department of Education. XXXX had me on hold several times and explained my loan would move to XXXX and be placed on forbearance. I logged on to Edfinacial this morning to see payments due XX/XX/XXXX of XXXX dollars. I called Edfinacial and spoke with XXXX. XXXX explained they placed me on a Level plan. I am a social worker. I made {$78000.00} this year XXXX. I explained I qualify for the XXXX plan. My payment with XXXX was a little over {$600.00}. I requested a supervisor as to what XXXX had explained to me. XXXX spoke with supervisor XXXX XXXX. I did not get to speak with her. XXXX told me not to worry about my payments as they do not report to the credit bureau. I explained I am not comfortable with this scenario. I requested something in writing. XXXX indicated they do not provide anything even via my email portal. I uploaded proof to edfinacial via the Inbox I am on track for XXXX forgiveness, and XXXX said it goes to compliance that she does not see anything. We ended the call. They have notes about my call with XXXX. This is extremely upsetting as I work. I have paid XXXX. My mother is in palliative care hospice and I have done nothing but make calls and request forbearance until this is corrected and request in writing what Edfinacial has told me. It is very concerning when the information is inconsistent The payments are wrong. I am with the wrong lender and I am unable to speak to a supervisor and told not to worry about it as it is not reported to a credit agency. I do not get the impression Edfinacial is consistent with its wording or has consistent policies. I also felt XXXX was not very knowledgeable although pleasant. In my experience, things are just said without any protocol or correspondence nothing... leaving the consumer with no help other than " don't worry about it '.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC (AR)

This company trying to collect on debt that I have no knowledge of and I never done business with this company XXXX XX/XX/2023 I asked to provide me proof that I have done business with the company copy of contract and social security number and date of birth copy of picture Id.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

Back in XXXX my password to Experian was exposed in a hack. Out of concern for security I went in to change the password. I was able to do this for XXXX and XXXX without any problems. Experian system locked my account and the reset password request is not working. I have spent countless hours on the phone trying to get through to a person after following all their instructions online and even from their chatbot. In addition, we sent them a letter with all the required information on XX/XX/XXXX as instructed from info on their site. We have spent so many hours over the past 2.5 months it is hard to recall the exact number but I'd say it's safe to say over 20 hours on the phone over that time period if you added them all up. We don't know what else to do at this point and are beyond frustrated with this experience.
Consumer complaint received 2024-09-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IA)

ftc report number XXXX for identity theft. company refuse to remove from my consumer report violating my consumer rightsXXXX XXXX XXXX original creditor ( XXXX XXXX ). charge me {$160.00} without proof of ownership of account. it does not meet the XXXX points of compliance, fair credit act. infornation is inaccurate and must be removed from all credit agencies.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (OH)

On XXXXXX/XX/year> I received an email from PNC Alerts that advised me due to an issue with my cell phone number, my profile for the XXXX money transfer service had been locked, advising me to call PNC Bank at XXXXXXXX XXXX XXXX XXXX to XXXX XXXX  ET. As I was in the process of moving and downsizing from a home to a condo that required a complete renovation and was in the process of preparing my home to be listed for sale on the market, I was not able to call until XX/XX/year> at XXXX XXXX. I was put on hold and advised my wait time would be 15 minutes. My call was finally put through to a service agent at XXXX XXXX. I explained the problem and the email to a female service agent. She went through the process of several personal identification factors to insure who she was speaking with. She advised she would have to put me on a brief hold to determine exactly what the problem was, I had most recently used the XXXX service successfully on XX/XX/year> to receive inbound money sent to me and deposited to my checking account. When she came back on the line she advised me that the XXXX service would no longer be available to me through PNC. I requested the reason for that decision at which point she became very rude and said she did not know why. I asked to be transferred to a manager so that I could get that answer, she explained that they would not know either. I advised her that someone would have to have that information and I was entitled to receive that as they were cutting me off from a money transfer service that all bank customers have. She advised me that she was terminating the call and hung up on me at XXXX XXXX.
Consumer complaint received 2024-09-05
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank, Care Credit Card. 

I have made regular payments every month, they have been charging interest and then adding even more interest on top of that every month. each payment not going toward promotional balances. then they are backdating to the initial charge. and adding an unreasonable about of interest from that original total. They refuse to make any adjustments to receive a payoff so they can just keep increasing the balance of the card even though I have paid more than the original purchase price to date. I were to pay the current balance it would be if I paid 100 % increase in the total charges. This company is a scam and it was believed to be available to help people in need with medical issues. but no, they are taking advantage of sick people in times of financial need.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OK)

From XX/XX/year> to XX/XX/scrub>XXXX XXXX I had unauthorized charges show up on my account statements. I called and disputed the unauthorized charges. PayPal insisted that they would investigate those charges and that I would receive a provisional credit. Over a month later, the charges were still on my account and they were collecting interest. I had called their support team over 3 times about the dispute and it wasnt handled any of those times. PayPal did not remove the charges from my account until I filed a claim with the CFPB. However, they only removed some of the unauthorized charges and one still remains on my account. The charge was made on XXXX XXXX XXXXXX/XX/year> for {$21.00} at XXXXXXXX XXXX XXXXWALMART COM and was not a purchase I made or authorized. My card was compromised and PayPals dispute resolution team didnt properly remove all the false charges. I have contacted them over 3 more times about the remaining fraudulent charge and they keep telling me they will investigate it. However, the charge remains on my account and I have received no confirmation from PayPal that they are investigating my case! Due to them not removing the charge and not properly investigating the case. This charge has now accumulated to {$120.00} with late fees and interest charges! Not only did they fail to remove this fraudulent charge from my account. They reported my account as delinquent and past due to the credit bureaus despite the fact I never made the charge and have reported it! I shouldnt have to pay for charges I didnt make and I shouldnt have a negatively impacted credit score due to their failure to investigate the claim that I have called and filed with them multiple times! I want the charge removed AND my credit score/report corrected!
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to file a complaint regarding a fraudulent wire transfer I was coerced into making. I was contacted by an individual who claimed to be a psychic and introduced herself as XXXX. She threatened that harm would come to both me and my boyfriend if I did not transfer money to her account. Under this pressure, I proceeded with a wire transfer of {$9900.00} from my Bank of America account. 

The transaction details are as follows : Recipient Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City : XXXX XXXX State : New York XXXX XXXX : XXXX Bank Name : XXXX XXXX Routing Number : XXXX Account Number : Ending in XXXX Account Type : Checking I have already spoken to my bank XXXX Bank of America ), but they have informed me that they were unable to recover the funds. Despite their efforts to reach out to the recipients bank ( XXXX XXXX ), they have not received any response. 

I was manipulated and threatened into making this transfer, and it has caused me significant mental distress. I am uncertain whether the names provided are accurate, but I believe this to be part of a larger scam. I would greatly appreciate your assistance in investigating this matter and recovering my funds. 

Thank you for your attention to this serious issue.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On numerous occasions I contacted Experion Credit Monitoring premium service program using their app and going directly to the website. I was placed on hold being transferred back and forth between membership departments. When they refused to offer me an option to cancel after two weeks and hours spent only to have each and every person tell me I did not have an account ( I was looking live at my account ) the only option I had was to downgrade to a free version.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

UPON ME VIEWING MY CHEXSYSTEMS REPORT I NOTICE AN ACCOUNT WITH A SOCIAL SECURITY NUMBER THATS NOT MINE
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX, XXXX : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital One in XXXX, XXXX under the account number XXXX, an personal account opened at Capital One in XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX in XXXX, XXXX with a balance of {$82.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A. (GA)

To whom this may concern : An agreement was entered into court and approved by a judge saying that I XXXX, XXXX XXXX am not responsible and not to be penalized for this account due to responsibility and liability being completely on XXXX XXXXXXXX. This document was signed and agreed and verbiage is stated is in our settlement agreement. PNC Bank is refusing to remove this account. XXXX XXXX and I were legally separated and divorced when this late payment took place. This account has been paid off and closed and they are being evil and will not remove this account. Legal proceedings are being filed
Consumer complaint received 2023-02-11
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. (DE)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 alleged fraud or extortion. 
XXXX XXXX XX/XX/2023 ( Original Creditor : ) XXXX Balance : {$73.00} ( Original Creditor : ) XXXX Balance : {$91.00}
Consumer complaint received 2023-02-11
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. (SC)

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. 

Account name : 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 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 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 2024-10-02
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: Experian Information Solutions Inc. (TX)

Upon reviewing my credit report, I found a inaccuracy. The 3 credit bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting account as unverified information without providing any proof within the legally mandated timeframe. The account must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2023-02-11
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. (CA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$200.00}.