davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (WA)

I am a Wells Fargo customer with multiple business and personal accounts. Prior to an " update '' of XXXX and the WF system in XXXX, I was able to make XXXX payments from any account at any time. When the " update '' occurred, I was unable to make payments from more than one account without unregistering and reenrolling with each and every payment from a different account. 

In mid XXXX I called WF and received tech support and was assigned case # XXXX. I spent several hours on the phone with them as they attempted to trouble shoot. 

A few days later I received a call back and was told this is an ongoing issue with the " update '' and customers with business/multiple accounts and they would get it resolved. 

A few weeks later on XX/XX/XXXX, I received an email saying the issue was resolved. I was traveling in an area where I could not make toll free calls and was unable to call back until around the XXXX of XXXX to ask why the issue had been closed since it hadn't been resolved. The XXXX apologized and said the issue was ongoing and being fixed manually account by account and they said they'd reopen the issue and that it shouldn't have been closed. They also told me that I'd move back to the top of the Q since I was one of the very first calls about the system glitch. 

On XX/XX/XXXX I called back and was routed through the WF phone system to a supervisor in Banking ( XXXX XXXX - Alabama ). She told me that she didn't know about the issue but after being on hold with tech support, there was nothing they could do. I had also been told by an earlier agent that my case had never been reopened and it was still closed. 

I tried to confirm that she was now telling me that everything I was told was incorrect and I would need to unenroll and reenroll every time I needed to make a payment. She stated tech support told her there was nothing wrong with my account and would not give me a final answer to the question and told me to go to a branch. 

The call ended at that point. 

I can not get a straight answer out of WF as to why I have lost major functionality and use of this system in which i use to pay vendors. I do not understand why I was told they had to fix the issue and that it was a customer by customer fix and now I'm being told that I have to live with this very time intensive " new '' process. 

I was also told tech support would not speak to me directly ; yet back in XXXX and XXXX they were connecting me to them as soon as I called with a case number. What is the point of Wells Fargo customer service if you can't even speak directly to the group that's responsible for addressing your issue? I do not grasp how a banker is equipped to handle these concerns nor why WF has a policy of not letting customers speak to the group that is able to either properly explain or fix an issue.
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

This is the 2nd time my Mortgage Servicer has not applied my mortgage payment paid by XXXX, that was made on XX/XX/XXXX, in the amt of XXXX, I have 2 more payments that will be made by XXXX, in XX/XX/XXXX, & XX/XX/XXXX, Select Portfolio never Post the ACH Wires in a timely manner this puts my account in a default status threating Foreclosure, and stress on me.. My last complaint was XXXX, which was resolved, I don't want to keep making complaints regarding I would like for Select Portfolio to fix their Posting issues
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (AZ)

We were on the process of buying a new home. The construction company XXXX XXXX XXXX XXXX sent our title agency company name on docusign and determined the closing date about two months ago. Two days later we received an email from the title agency which was a spoofed email that we were not aware of. That same email was sent to our realtor too. The spoofed email asked us to wire the deposit money early. This spoofed email knew the exact amount ( around {$180.00} ) with the pennies which matched the exact amount our loan officer had sent us by docusign. Since all the information was right, we didn't suspect. Therefore we did what we were told and wired the money to the given account number.Before the transaction, we called and informed our loan officer and our realtor for confirmation. The loan officer confirmed the number and then we called our bank ( XXXX XXXX ). We asked if the attached escrow account # belonged to the title company. The title company name on the escrow account was exactly the same. After that confirmation with our bank, we wired the money. On the other hand, XXXX XXXX changed the closing date three times. At the closing date we went to the title agency. We found out that we had wired the money to a dfferent account. We filed a wire fraud file with XXXX XXXX. The money was wired to US Bank in XXXX Arizona instead of XXXX XXXX account. We contacted XXXX XXXX XXXX department and they asked the US bank to give them info about that fraud acount and the money wired. They didn't feel any obligation to respond. We had consultation from two lawyers. We contacted local police department. They all pointed to XXXX. Then we filed XXXX form ( wire fraud form ) on XXXX  website and submitted it. We didn't receive any confirmation # from XXXX. When noone got back to us we made a call to FBI.We were told there wasn't a way to track our file. Unfortunately that wasn't any help at all. It's been two months that noone contacted us. We are left all alone. We could not buy a new home. We are now renting. We want to get our money back but don't know how to do it. There must be something that someone can do about it. Our loss is very big and changed our lives. We are seeking for your help. Please help us.
Consumer complaint received 2022-11-28
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: OneMain Finance Corporation (NY)

Personal identity theft regarding opening credit cards using my social security number and personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL 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 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank has closed all of my accounts ; however all of the accounts were opened in the last year. Would Synchrony Bank be willing to remove the following inquiries from my credit report as a couple of these accounts were opened in late XXXX ; but the accounts were all closed XXXX. I am making payments on all of these accounts ; however, can you please remove all of the inquiries within the past year from my account as these accounts are closed. 

Inquiry Date : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX )
Consumer complaint received 2022-11-28
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (WA)

I never took out this loan. I have been paying on it for years believing it was part of the federal loan, the digital master promissory note is dated two months before filled out by hand federal promissory note, and has vastly different references and other information. I was misled and defrauded by both Navient and Corinthian colleges at this point. Attached is a copy of the unsigned promissory note and the signed federal note. If you review the two one is signed and dated XX/XX/06 and is in pen and the other the one completed by someone other than me and is dated XX/XX/06 and is typed. Further more the private loan is two months before the federal loans, this doesnt make sense because I never even stepped foot on a XXXX college campus until XXXX. 
I have tried speaking with Navient but they refuse to acknowledge any misconduct or fraud. I receive several harassing phone calls from them weekly. I need this to stop.
Consumer complaint received 2022-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Receivables Group, Inc. (NC)

identity theft, HEALTHCARE RECEIVABLES GROUP are using name, address and Social Security number is being used fraudulently and has taken the signature and the instrument like it belongs to them and trying to collect. 
I do not know who this company is I have not authorized any use of this information and they're causing defamation of character. 
This information is copyrighted
Consumer complaint received 2023-07-03
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. (AL)

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.

has violated my rights. Or list of inquiries 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 2022-11-28
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: HCFS Healthcare Financial Services of TeamHealth (NY)

To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being XXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help
Consumer complaint received 2022-11-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX Portfolio Recovery-XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being disputedXXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I am trying to close escrow on my mortgage, the lender for which is Mr. Cooper. I purchased my home in XX/XX/XXXX for {$470000.00}. The XXXX of XXXX re-assessed the property value of my house for tax purposes as {$520000.00} on XX/XX/XXXX, and I have documentation from them that states that my valuation is {$520000.00}. Because this is the city 's official valuation ( and is the basis for my taxes ), I believe it should suffice as the official valuation for my lender. My outstanding principal on my loan is {$420000.00}. The lender previously stated that I could provide the official letter from the city as proof of my valuation, and I intended to do that and make an additional payment of {$5600.00} to reach the XX/XX/XXXX principal to loan ratio to close escrow. However, when I called Mr. Cooper today they said that they would not accept the city 's valuation, and would require me to get a new appraisal by an appraiser of their choice, for which I would need to pay {$350.00}. Moreover, they said that the entire process would take months, during which time they will continue to escrow. I do not understand how it is fair that the lender will not accept the city 's valuation ( which informs my taxes ), and that they get to choose the appraiser, who will most likely value my house in line with what the lender wants ( which will likely be the {$470000.00} sale price from over 2 years ago ). Mr. Cooper is escrowing {$940.00} per month, so this is a significant financial issue for me.
Consumer complaint received 2022-11-28
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: Resurgent Capital Services L.P. (NY)

To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report Lvnv funding LLCXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being XXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

my car was stolen in this DC washington yesterday date XXXX all my social security card is in the vehicle list of item in my wallet. 
1 driver licence 2 social security card 3 bank id cards 4 green card 5 DOT medical card so many information about me so are will like to freeze my my account immediately until are retrieve my document
Consumer complaint received 2022-12-21
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/22 -- Disputed a Public Record item appearing within my credit file with Transunion as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the XXXX XXXX  XXXX XXXX XXXX XXXX Alabama XXXX The original furnisher ( s ), the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Alabama, do not report to any credit reporting agencies to include XXXX, XXXX, Transunion, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to Transunion stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. 
Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. **
Consumer complaint received 2022-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

I sent a Notice of Error to Loancare XXXX On XXXX XXXX regarding their error of paying a new home insurance company {$1200.00} out of my escrow that was not due to them. The insurance company notified me that they returned {$1200.00} to Loancare on XXXX XXXX. Despite several phone calls and sending a Notice Of Error with documentation to them Ive received no response. 
Their gross incompetence has caused my mortgage payment to be over {$100.00} per month higher than it should if my escrow was properly credited and analyzed.
Consumer complaint received 2022-11-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. Account Name XXXX XXXX 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 2022-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

XXXX have communicated with Atlas Credit many times on this issue. I was attempting to work out a payment arrangement with them because currently times have been hard. Their management staff crossed many lines. Then started to insult me personally, and started XXXX me, my family and my work via the phone. It got so bad that myself and my family and my company have had to change numbers or block them via phone systems. I have told them to stop and just send me to collections and they refuse. Now they continue to send tacky letter after tacky letter. They even had a lawyers office contact me via mail. When I talked to that lawyers office, they stated that Atlas just uses them to try and scare people. I want to quit being XXXX  by Atlas.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MD)

Hi I saw a lawsuit was settled with Wells Fargo. I submitted a claim back in 2016 about my last car payment. I had not missed a car payment in 59 months and because I missed one payment which happened to be my last they reported it. I was in the middle of buying a new house and because they reported it, it hurt my credit score which in turn raised my house payments. I tried to reach anyone at Wells Fargo and at the time my mom worked there and gave me email addresses and phone numbers to call. I called, emailed, and sent faxes to try and expunge this because it truly affected my life. It came to no avail, nobody helped me and because my credit score dipping it added an extra XXXX dollars every month on my mortgage because I missed my last car payment by one day. Everyone I contacted, emailed, or sent letters too we're completely cold and I'm glad this happened.
Consumer complaint received 2022-11-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (OH)

I reached out once already via the cfpb group. This company still has the incorrect information on my credit report. Nothing has been corrected. Originally they said the closed paid via settlement was instead reported as a payment via my credit report. It then took almost XXXX more XXXX to mark as paid and its still incorrect on my credit report. It is still showing as open. Whenever I call the company Im either hung up on or given the wrong information and given another companys number to call when they are not even involved. I will keep reaching out to have my credit report fixed. It should say the same thing across the board to all XXXX bureaus and it doesnt. It should be marked CLOSED.
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).