davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I have a checking account with Wells Fargo. I wrote a check for {$130.00} but the amount of money debited from my account is {$1300.00} although the check clearly states that the amount is XXXX and also written in words. I immediately called up Wells Fargo and told this on XX/XX/19. The customer service representative told Wells Fargo said that they will do their best to resolve this although it is a problem on the Wells Fargo end. he gave a claim number XXXX. No email was sent to confirm that there is a dispute on file for this transaction. It has been 2 days now, no one reached out to me. When I tried to file a written dispute, it is not allowing me as it is showing the transaction as pending and debit. It is very fishy without having any absolute written record and no one seem to act on that, I am worried that my other checks that I've issued also would let people withdraw more money than what is written in the check. Since I don't have a way to escalate this further as the customer service representative told I need to call Wells Fargo and they said they would not send a written note to confirm that I have filed this dispute acknowledging this issue. I am worried about these verbal conversations without having anything formally on record when thousands of dollars have been mistakenly transferred by wells Fargo. So, I decided to escalate further to CFPB and have them take action on Wells Fargo so this doesn't happen again.
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (TN)

Dear XXXX, Ive been a holder of a XXXX credit card for many years and had never missed a payment or had an issue on the account. I elected at some point to go paperless with statements at the encouragement of XXXX. 
As you can see by my activity on my account, my credit card balance is paid off monthly. At the end of XXXX of XXXX, I carried a {$0.00} balance on my card. At some point, I stop receiving electronic statements from XXXX, I assumed it was because I had a XXXX balance. In XXXX of XXXX, XXXX XXXX charge me a membership fee of {$450.00}. I was not aware of this charge and I didnt authorize this charge. Because I wasnt receiving any electronic statements, I was not aware of any balance due on the account. As you can see on my account, I never used the card for any other charges the following several months. Since I was not aware of the balance and then the subsequent late fees, XXXX reported these to the credit agencies as delinquent. It wasnt until XX/XX/XXXX that I received a call from XXXX stating I had an overdue balance on the account, which I then promptly made a payment on {$100.00} until I could investigate. After the payment was made, XXXX closed my account, and I couldnt access it on-line. 

I didnt notice any of the above until I was applying for a loan and the lender stated that my credit score was XXXX. A few months earlier, I knew my credit score was actually at the highest level of XXXX. I knew an error must have been made for it to drop 100 points. That is when I discovered the issue with the XXXX account. I called XXXX immediately and explained the above information and they stated they would get it corrected with the credit reporting agencies, but then I get the attached letter stating that the records are correct. 

This is unacceptable treatment from a financial institution like XXXX to a long-standing client with exceptional credit history his entire life. XXXX failed to contact me either via mail, electronically or by telephone before reporting a delinquency and allowing an unauthorized charge to my account. I demand that this be corrected with the credit reporting agencies immediately. XXXX error has already damaged my ability to secure the lowest interest rate loan available. If not corrected, I will take legal action and sue for damages. Most importantly it is the right thing for XXXX to due for a previously loyal client. If XXXX was not in the wrong, then why did they eventually reverse the charge that caused the issue?
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (CA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (NY)

There are 2 issues that I have asked to be removed from my file and am now at the point of filing Civil Lawsuit and privacy violations against the credit bureaus as a result. 

There is a bankruptcy still showing on my report. I have verified with clerk of court who has informed me there is no bankruptcy under my name. Please remove this asap per my privacy and 10 year statute. ( please see attached discharge date ) 2nd issues, please see attached FTC Report as there are a number of unauthorized credit inquires. They include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/18, someone hacked my account and took all my money. They also messed with the secure messages and framed me into being scammed. Chase also thought I got scammed when I clearly don't talk to anyone or give out my info. I only focus on working out and college so I have no time. I don't own XXXX XXXX  or know what XXXX is. None of this makes sense. I have lost trust in Chase and don't know if I want this bank in the future.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I received today, XX/XX/2022, a notice by Nationwide Credit , Inc. purporting to collect a debt for XXXX , XXXX, which was previously acknowledged by the parties to be a fraud. The amount was originally billed to my XXXX credit card and based on fraud by XXXX, they reversed the charges. XXXX then tried to collect it on their own behalf and acknowledged that fraud occurred, and no amount was owing. Nationwide knew or should have known that there was no valid debt due and owing, but despite such knowledge, sent a notice of invalid charges. They stated they had provided notice of this charge 30 days ago, but that is untrue. No prior notice was provided. This is harrassment by a company that failed to review the prior correspondence before harrassing me.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (PA)

I am not a credit repair agency. I am writing this today insisting that the following unauthorized information on my credit file is deleted. I ask that these 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 copies of the Federal Trade Commissions Identity Theft Affidavit. There are fraudulent accounts and derogatory remarks being reported on my file that need to be removed. I would appreciate it if the items I have listed below are removed as soon as possible. This fraudulent activity is hindering my family and I to live a decent life. 




THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA
Consumer complaint received 2022-06-21
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. (PA)

n accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Helbing Law Group (FL)

Helbing Law Group is debiting my bank account {$250.00} monthly. 

i have called customer service 3 times in 30 days requesting email documentation of progress in negociating my 4 credit cards. No results XX/XX/XXXX and XXXX spoke with XXXX in customer service. 

XX/XX/XXXX spoke with XXXX XXXX  in customer service she disconnected call. 

I emailed Helbing Law group XX/XX/XXXX requesting current status of account. NO responce, Helbing law group deducts {$250.00} monthly from my bank account. I requested on XX/XX/XXXX to not debit my account again until i receive updated information. I received call today and was confirmed from their customer service that they will debit my account or I can't participate in program. 
i asked for XXXX accounting of how much money they have in escow. No response. 

I am told they are working for best seetlement percentage. NO PROOF of any work being done.
Consumer complaint received 2022-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX Please remove it from my credit report. 

2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX Please remove it from my credit report. 

3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

We have made two mortgage payments totaling {$6500.00} that LoanCare has not applied to our account. These are the payments for XX/XX/XXXX and XX/XX/XXXX. 

We have called 12 times trying to correct the issue. They eventually hang up on us when they say they are transferring us to a manager.

We even got XXXX XXXX XXXX on the phone with a LoanCare rep to confirm the payments were processed by them.

We are getting harassing phone calls daily saying we are past due, when LoanCare has our money.

We have spent hours on the phone with them to no avail.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation!

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 2021-01-19
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)

This account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet XXXX, Equifax and XXXX  continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at that!
Consumer complaint received 2024-10-04
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)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-10-04
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)

I AM A SURVIVOR OF XXXX XXXX. I AM ENTITLED TO HAVE ADVERSE INFORMATION RELATED TO MY XXXX SITUATION REMOVED FROM MY CREDIT REPORT. I AM DEMANDING THE REMOVAL OF ALL ADVERSE CREDIT REPORT ITEMS AS PROVIDED UNDER SECTION XXXX OF THE FCRA. I HAVE ALREADY SUBMITTED A FORMAL REQUEST TO EXPERIAN, ALONG WITH THE REQUIRED GOVERNMENTAL DETERMINATION DOCUMENTATION FROM SHARED HOPE INTERNATIONAL TO VERIFY MY STATUS AS A XXXX XXXX DESPITE MY REQUEST EXPERIAN HAS NOT RESPONDED APPROPRIATELY AND HAS FAILED TO REMOVE THE ADVERSE NEGATIVE INFORMATION TIED TO MY XXXX EXPERIENCE CAUSING A HINDERING IN THE QUALITY OF MY LIFE, AS WELL AS, THE LIFE OF MY FAMILY. 
THE SPECIFIC ACCOUNTS INVOLVED ARE AS FOLLOWS : XXXX XXXX XXXX XXXX  opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of human trafficking. XXXX  XXXX opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX XXXX XXXX  XXXX under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX XXXX opened XXXX the following account numbers and dates : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Reason for Removal : These accounts were negatively impacted by the XXXX XXXX XXXX 
In compliance with Section XXXX of the FCRA, I ask that Experian promptly block and remove this adverse information from my credit report within XXXX business days of receiving this request. 
I REQUEST THE CFPB 's ASSISTANCE IN ENSURING THAT EXPERIAN COMPLIES WITH SECTION XXXX OF THE FCRA BY REMOVING ALL THE LISTED ADVERSE ITEMS FROM MY CREDIT REPORT.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

We refinanced our loan and Mr Cooper Nationstar bought the loan shortly after. Our paperwork clearly states our first payment was due XX/XX/XXXX. When we were able to finally view our loan on their website ( around XX/XX/XXXX ), it had a loan origination date of XX/XX/XXXX. 
I called on XX/XX/XXXX at XXXX and first spoke with XXXX who transfered me to XXXX XXXX XXXX stated that the paperwork did reflect a XX/XX/XXXX start date, did not find our pmt mailed on XX/XX/XXXX, but said they got it passed on to the approprate group and to give it 3-5 business days. 
On XX/XX/XXXX XXXX XXXX  I called and spoke with XXXX. I told her about my previous conversation with XXXX and noticed that the pmt we sent on XX/XX/XXXX was posted as of XX/XX/XXXX, but the system still had the loan 1st due date of XX/XX/XXXX vs XX/XX/XXXX and that had not been fixed yet and our due date should be XX/XX/XXXX per that pmt received. She talked with the appropriate people and said we should be good in 3-5 business days. 
On XX/XX/XXXX the website still had the incorrect due date still stating XX/XX/XXXX with the 1st pmt due XX/XX/XXXX. I called and spoke with XXXX at XXXX XX/XX/XXXX. I referred her to her notes I was sure they had and reiterated the above. I also pointed out that we are now getting calls for this pmt due to their error and that the 60 day window XXXX talked about where things are not reported to credit is closing fast. I told her I needed this fixed today as more than enough time has passed to do so and said I would initiate a complaint if not. She put me on a long hold, came back and said she could get a hold of no one in that department, or any manager. I made sure she had my contact info and told her the complaint was going to be processed. I do not know if I will get a callback today or not from the department that allegedly is suppose to fix this.
Consumer complaint received 2021-01-19
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: EQUIFAX, INC. (MD)

Contacted Equifax several times to initiate a dispute of unauthorized inquiries and their automated system purposely prevents a consumer from being able to speak to a customer support specialist when attempting to dispute over the phone. Equifax website has also been down and when attempting to dispute inquiries online, I am unable to do so. I was affected by the Equifax Data Breach and as a result have found several inquiries listed on my credit report that do not belong to me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 UNDER 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 INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-01-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

For several years I have been unable to log in to Sallie Mae/Navient. My correct birth date and social security number do not work. Nonetheless, I have attempted to repay my legitimate loans. Today I received a collection notice from XXXX XXXX referring to a debt ( {$830.00} ) which I have no record of and have no way of confirming. 
I suspect that they have created more than one account and that their records either include someone else 's debt or that they are billing me for someone else 's information. I am extremely frustrated because I get no where reaching out to them, they will not communicate in writing and demand that I spend hours on hold only for them to fail to correct anything. When they do send me mail, they do not give any history, just demand additional money.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

This is my second complaint against Fay Servicing and it has gotten worse. The level of customer service has been poor and rude. I have reached out since the beginning of XX/XX/XXXX and has gotten no where. My account manger will not call me back after several voice messages being left. I have talked to other team members and same thing have gotten no where. I have recently left a voice message to the supervisor of the account manger. 
The successor in interest department is doing a terrible job in updating my account with requested documents. I was advised to send in documents proving my identity and relationship to the borrowers. I have sent my drivers license, birth certificate, a copy of the guardianship papers stating I'm the guardian over my dad ( owner of the house and on the deed ). I have sent in court documents of me having filed a motion in the foreclosure case. 
I received a letter this month ( XXXX ) asking for a death certificate for my dad. How upset I was to read and receive this letter. My dad is alive and I'm not sure why and how they got the notion my father was deceased. It leads me to believe that my account manager, the legal department, and the successor in interest department, either  doesn't care or can not comprehend legal documents. Having served guardianship papers doesn't mean my father is deceased. I was appalled to receive such a letter of request. 
I try and call in and explain and I get the same thing " Maam we  need the documents listed '' I live in the property and have since XXXX. I want to retain the property and assume the loan. Fay servicing is trying to delay and move forward with the foreclosure action set for XX/XX/XXXX. Which is unfair and disheartening, America is in a pandemic and things that were accessible through the court or online is not accessible now. I have provided everything I could and yet has access to anything or my identify proven.