davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

This has to do with a Macys XXXX XXXX account credit card that was opened in XXXX at the store. I signed up for paperless statements, made a purchase for {$19.00}. Did not receive my paperless statement nor a paper statement. Called to make a payment Could not do so without the account number which I did not have. Then tried to make a phone payment using the XXXX number and account number for my bank account. Thought it went through however it did not. I called and spoke with XXXX on XX/XX/XXXX who informed me that the phone payment did not go through. Made the payment for the purchase less the fee which I told her I was doing on that same day. Continue to get statements with continued fee charges. Sent a message to secured email with same details however, no resolution to date a they are trying to charge {$190.00} for a a {$19.00} purchase. Original payment was due on XX/XX/XXXX. Phone payment was attempted on XX/XX/XXXX. Since it did not go through a payment was made on XX/XX/XXXX, when I called on XX/XX/XXXXXXXX XXXX XXXX  did not inform me that she was able to waive 2 late fees in which case the only balance due wouldve been the payment for the purchase of {$19.00}. Now after several follow ups, I learned that they will waive two late fees ; however on a much larger balance, due to all the fees theyve added onto the account statement.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

At this time these reporting companies are in violation of 15 U.S. Code 1681a. Section 2 ( A ) The code states as follows.

( 2 ) Exclusions the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

This states any collection account or accounts bearing late payments on my report is transactional in fact and also are a reflection of an experience shared with the the creditor then forwarded to you without my knowledge I haven't given any consent to disclose this information on my report. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX
Consumer complaint received 2023-06-27
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: Affirm Holdings, Inc (FL)

I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address is not the one that appears in your systems, but the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This account was closed and paid in full, and at this time I am reporting negatively on XXXX. And it does not report to any other agency, which clarifies that there is an error in the report. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
Consumer complaint received 2023-06-27
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. (FL)

My score went up XXXX points last week and two days later it dropped XXXX points because my XXXX  XXXX balance decreased-none of this makes sense and causing me to look like a fool-I have been paying on time-I have made a payment plan with one of these collections-these happened when I was going thru my second XXXX XXXX and my son died at XXXX yrs old-my Mother died 3 months later-I took care of both and only worked one full time job-I was not able to continue working 2 jobs-I have decreased my debt by over XXXX dollars-my next option will be to take legal action-not sure if this is discrimination-I will be asking other consumers if this has happened to them and ask them to join-I am also sending an email to the Whitehouse-this company continues to attempt to sell me credit monitoring-all a money maker Thank you
Consumer complaint received 2019-03-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank, Home Mortgage closed my mortgage loan in XXXX of XXXX and opened another mortgage loan account without my knowledge, and there has been nothing but accounting errors on behalf of Wells Fargo Bank ever since. Wells Fargo Bank has been sent copies that 2 payments were made in XXXX XXXX. One on XX/XX/XXXX and another made on XX/XX/XXXX. These payments were not applied to the mortgage loan. All other payments made after this were applied until XXXX XXXX. Payment made on XX/XX/XXXX was not applied to the loan. Two payments made in XXXX were misapplied. All payment from XXXX XXXX have been misapplied to the mortgage loan account by Wells Fargo Bank employees. Including the payment made in XXXX of XXXX. Again, Wells Fargo Bank and it's employees have made numerous errors on my mortgage loan. Wells Fargo Bank refuses to accept responsibility for the errors made by it's employees and their online site, which is not secured. This is Wells Fargo Bank 's responsibility and Wells Fargo Bank refuses to take the responsibility for it's own failings in this whole matter. Instead, Wells Fargo Bank continues to add interest, late fees, and other fees and claim it's all part of the principal of this loan. Wells Fargo Bank employees are irresponsible making Wells Fargo Bank responsible for these errors. Wells Fargo Bank has tried passing off information on all XXXX payments that is completely wrong and refuses to acknowledge that Wells Fargo Bank does not have an accurate accounting of all payments made, including XXXX of XXXX. Wells Fargo Bank claims they attempted to call me before XX/XX/XXXX, however there is no record of any attempts of contact made by Wells Fargo Bank, Home Mortgage on this date or any other date. There also has not been any statements sent to me by Wells Fargo Bank, Home Mortgage in XXXX. This proves that I have paid my mortgage loan in full. Otherwise there would be statements mailed to me on a regular basis. The only way I have gotten any statements from Wells Fargo Bank has been by filing these complaints.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I received an email from Wells Fargo alerting me that a check deposited on XX/XX/XXXX into my account was " returned unpaid '' and the amount ( {$3600.00} ) was deducted from my checking account. I did not attempt to deposit a check on XX/XX/XXXX. Upon logging into my account online I noted that a withdrawal was also made on XX/XX/XXXX for the same amount ( {$3600.00} ). I did not withdraw money on this day either. The transaction detail indicated that the transactions were " in branch '' in XXXX XXXX NC. I live XXXX hours from this branch ( I live in XXXX VA ). I called customer service on XX/XX/XXXX and disputed this transaction and explained that I did not attempt to deposit a check for {$3600.00}, nor did I withdraw {$3600.00}. I also explained that I was not in NC on this day or any other day. I did not hear from Wells Fargo again. I continued to check the status of my complaint online and observed that the case was closed on XX/XX/XXXX. With no explanation or contact from the bank. I called customer service again and was told that the research team determined no fraud occurred. I requested elevation. Another complaint was opened on XX/XX/XXXX and that evening I received a call and was told that without a police report and investigation no further action would be taken. On Monday XX/XX/XXXX I went to my local Wells Fargo branch and spoke with a banker in person. They called on my behalf and were told the matter was closed and if I got a police report they would consider re-opening the case. When the banker asked what police department should be contacted ( local or in NC ) he was given unclear instructions. He asked that they call me as soon as possible to discuss. Later that day ( XX/XX/XXXX ) I again received a call from the same individual as the evening of XX/XX/XXXX and was told there was no loss and there would be no further consideration by Wells Fargo into my claim. I again explained there was a loss as I am out {$3600.00}. The fraudster walked out of the bank with {$3600.00} of my money. The individual said I have a problem with the withdraw, not the deposit. I would need to submit a new dispute for the withdrawal. When I asked if she could help me with that I was told to call the number on the back of my debit card and start over. She then hung up. 

I don't understand how someone can walk into a bank branch 5 hours away and steal my money without ID or authorization. Wells Fargo is not interested in investigating or resolving my claim.
Consumer complaint received 2023-06-24
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copied of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-06-26
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. (GA)

I submitted my dispute letter on XX/XX/2023, requesting the consumer reporting agency to " investigate every piece of information '' on the accounts I have listed below. I have attached my previous communications for the accounts listed below. 

According to the FRCA The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's 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. 
Your company continues to state that the accounts mentioned were verified, but how is that possible if they did not properly investigate according to the law? Please note that all the information on these accounts is still not reporting 100 % Accurate. ACCORDING TO THE FRCA 15 USC 1681, EVERYTHING HAS TO BE 100 % ACCURATE. 

Lastly, I have attached a copy of my recent consumer report that highlights the specific inaccuracies, which are violations of 15 USC 1681. EVERYTHING CIRCLED IN BLACK IS A VIOLATION. 
Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (NJ)

unrecognized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Type of Business Credit Bureau Inquiries Auto Dealers , New Auto Dealers , New Auto Financing Auto Loans Auto Financing All Banks Bank Credit Cards All Banks Bank Credit Cards Commercial Banks
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Vice President Customer Experience and Executive Services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX RE : Loan Number : XXXX SLSs failure/refusal to honor requests to correct errors and omissions Dear MrsXXXX XXXX XXXX XXXX, You said you understanding how we all must work together to deliver a seamless experience to our mortgage servicing clients. Will SLS/you please join a veteran and his wife in their seventies to end a year long fight to get SLS to verify the accuracy of claimed shortages and correct all/errors and omissions in the next 30 days listed below to make the borrower whole? 
1- Made false claims XXXX XXXX reduced the borrowers escrow, not true SLS reduced said escrow and refunded escrow funds as a surplus payments causing an excessive shortage in the borrowers escrow after servicing was transferred to SLS. 
2- SLS XX/XX/XXXX statement showed a {$19000.00} in XXXX of XXXX statement showed {$10000.00} neither of which have been verified. Please provide bills/cancelled check to verify the accuracy of any/all shortages and/or reductions, include analysis from XX/XX/XXXX till XX/XX/XXXX for XXXX and XXXX with end of the year balances for each year. 
3- SLS failure/refusal to honor the borrowers May request to place a stay on all payments, changes in payments, late fees, credit reporting and foreclosure action and more until all funds were reapply to escrow 4- SLS unlawfully used inaccurate shortage of {$17000.00} down to {$12000.00} from XX/XX/XXXX till XXXX, illegally changing the borrowers payment monthly to apparently give the impression all funds had been transferred in 30 days. The last funds were reapplied to correct the shorta and after the XX/XX/XXXX analysis the XX/XX/XXXX payment showed an accurate shortage of {$10000.00} for the first time, but its accuracy still has not been verified. 
5-SLS willful and wanton failed to reapply all funds in a timely manner, knowing conducted illegal/inaccurate monthly spreads every 30 days for three months, changing the borrower payment each month giving the appearance all funds had been transferred, then took the borrowers XXXX payment causing the borrowers account to remain delinquent.
Consumer complaint received 2023-06-27
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. (NJ)

I disputed a Bankruptcy.I questioned how the Bankruptcy information was obtained and the Response was the Us Bk ct/Us District court which is an incorrect Identifier.However I contacted the Court and their Response was they Do not report to Any Credit Bureaus.So this has to be lie or an Error.Also I did not Give Permission To Share my info which is a violation of my Right to Privacy.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I just got my report and i think its wrong! I was told i have a right to have aninvestigation done, creditreporting laws.ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct the fallowing information, therefore, needs to be reinvested. Please make sure everything pertaining to my credit report is corrct. 

Please provide me with the fallowing items. 
pay off disclosure intrest rate disclosure Balance history payment history credit insurance Accounts XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN I
NSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC (LA)

BMG MONEY REFUSE TO UPDATE MY CREDIT REPORT I BEEN MAKING PAYMENT ON TIME AND THEY WILL NOT UPDATE. I STARTED WITH THIS COMPANY ON XXXX XXXX NOW 4 MONTH LATER I M STILL OLD THEM XXXX. SO THEY ARE TAKING MY ALLOTMENT XXXX BUT NOT APPLY TO CREDIT REPORTING AGENCY. I PULL THESE DUCUMENT FROM THERE WEBSITE WHERE THE PAYMENT ARE APPLY ON THERE WEBSITE BUT NOT TO THE CREDIT REPORT AGENCY. MY BALANCE WENT UP XXXX DOLLARS LIKE I M NOT MAKING PAYMENT.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (TX)

Plaza home Mortgage inc .has put forced insurance on my house after they rejected to my policy in XX/XX/2018 they then took more money from my bank account and said I signed a agreement that they can take what ever out of my account so I stopped payment on them taking it out payment that was XXXX became paymentXXXX which they know I dont get I'm XXXX. Then when I contacted the supervisor XXXX XXXX he said that there was a problem with the insurance that get in touch with my provider and send the insurance back to XXXX that they would not charge me for check return and payment would be made at the end of the month. That didn't happen they sent the check back through the bank costing me again another overdraft fee plus there 20 on each one. I called back on the following morning and they said that they dont know XXXX is but he does work there .but no one knows who works there. Plaza home Mortgage company is junk I've been fighting with them since I purchased my home .they put I was 2 months behind on my credit which I was not .there crooks.
Consumer complaint received 2023-08-10
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: AMERICAN EXPRESS COMPANY (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violate 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 2023-06-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse of remarks you not provided me a copy of any original documentation required under 15USC 1681G ( a ) ( I ) & USC16811 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all Information Which can not be verified.
Consumer complaint received 2023-06-24
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: Nelnet, Inc. (FL)

XX/XX/2023 Nelnet moved XXXX XXXX  from XXXX account to another without my knowledge or consent which caused my credit score to drop XXXX points.