davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is our home mortgage lender. For six years, I have never been late with our monthly payment, and I have always paid the mortgage online through the Wells Fargo Mortgage Bill Pay. The payment has always been debited from our XXXX XXXX checking account ; I have not added any additional accounts from which I could draw for the mortgage payment. I made our XX/XX/XXXX payment on the XXXX of the month, assuming that it would be debited from the XXXX XXXX account. The payment never posted on the XXXX XXXX account. I then received a " Notice of Non-Sufficient Funds '' from my XXXX XXXX account ( a Wells Fargo account ) and discovered that an attempt was made to debit this account for the XX/XX/XXXX mortgage, even though I did not data-input this account information with Wells Fargo Bill Pay and did not approve of its use. I have tried to resolve this issue with Wells Fargo Mortgage, was told that I must have approved use of this second account ( I did not! ) and then was told that the debit process with the XXXX account would have to go through two more times before it could go through my XXXX XXXX account, resulting in a {$29.00} NSF fee for each time a posting is attempted. All I want is a ) to have the {$29.00} NSF removed ; b ) debit my XXXX XXXX account for the XX/XX/XXXX payment without incurring a late fee. It seems an easy " fix '' but Wells Fargo insists on passing this mortgage payment through XXXX two more times! I went through XXXX different representatives and XXXX managers until I hit a dead-end with an executive 's voicemail. We have had run-ins with Wells Fargo before and I am afraid that this will lead to some premature foreclosure attempt which would be completely unwarranted! Help!
Consumer complaint received 2016-11-01
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (AL)

I called Rushcard to dispute a charge on my account. The woman said it would take approximately 90 days to handle the dispute. She said it would be faster to get my daughter to give me the {$88.00} back which was the charge amount, because it was from her insurance making the charge to my account. I had previously paid my daughter 's Insurance the month before and apparently the insurance company had went ahead and took out her insurance charge again the next month. Then the woman proceeded to say that she had to cancel my card and that it was standard procedure. I told her that she could not cancel my card, because I had a direct deposit coming through the next day that I needed and that I needed my funds to take care of my bills and my children. I told her not to cancel my card. I told her several times not to cancel my card and that I needed my funds to take care of my family and my bills. I told her she better not cancel my card. She kept saying she had to cancel my card. I told her I needed to speak to her supervisor. After all the time she spent on the phone saying she had to cancel my card she never really handled what I called about which was disputing the insurance charge. After I was on hold for a long time I talked to the supervisor who checked my account and said that the card had been cancelled by the previous woman she then proceeded to tell me that it would take 7 days to get me another card ; however, she could charge me {$30.00} to get me an expedited card which she would take out of my direct deposit when it hit the next day. My complaint is that I never wanted my card cancelled in the first place I told the lady that I intended to cancel my card myself after I received my direct deposit and that I did not want her to cancel my card and that I would do it myself and that I feel I should not have been charged {$30.00} for an expedited card when I did not want my card cancelled in the first place.
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NV)

Requested validation and nothing has been received. I did have a XXXX account but it has been more than 7 years ago. This should not be listed on my credit file.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

XXXX XXXX XXXX XXXX refinanced with XXXX XXXX XXXX XXXX. It should no longer be showing open on my Credit report. I've already disputed this, it was reported incorrectly. Now both loans are still showing open.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (DC)

Navy Federal Credit Union attempted to get my loan refinance by offering a 'Rate Match Guarantee. ' They then delayed and delayed the process to ensure my other bank rate would expire and then surreptitiously voided the deal they had with me. They had a criminally bad appraisal of my home done ( coming in over {$100000.00} lower than other appraisals ) and then told me they would use the appraisal of a different bank. After sufficent time passed for the rate I had from the other bank to expire, Navy Federal changed positions and insisted they could not use the appraisal of another bank but encouraged me to reapply for a loan at a much higher rate. This caused me to lose substantial rate savings and hurt my credit through multiple hard inquires.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Other fee — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

After recent cancellation of membership, I received multiple calls with attempts to collect a debt for a credit card in which I have submitted payments for previously with outstanding payment history. Though I submitted my payment via check XXXX did not acknowledge the payment so I resubmitted my payment via money order in which was deposited on XX/XX/2016. Through the many attempts to submit payment XXXX continues to raise the statement balance with outstanding interest fee and fails to update the payment balance. When I made my payment of {$350.00} my balance was XXXX, as of today the balance is XXXX and continues to increase with interest fees and no reflection of the payment of {$350.00} made in XX/XX/XXXX. I have contacted the Risk Committee, XXXX, XXXX, and may other individuals/departments within the bank dated back to XX/XX/2016. I have sent many letters to have this item removed from my credit report do to inaccurate information and lack of processing, but nothing remains to be done. I have contacted a lawyer to resolve this issue but the bank continues to draw a blind eye. Overall in conclusion, I have paid this credit card a total of XXXX times, once with a check and another with a money order. I have contacted the bank on numerous occasions but continue to have the phone disconnected and the issue not resolved. With my payment of {$350.00} towards a balance of {$360.00}, no payments have been reflected and interest continues to raise bigotedly and this installation continues to remain a huge burden hindering my valuable credit history. I have contacted a lawyer and the XXXX credit with attempts to resolve this issue but remain unsuccessful in this matter do to XXXX failing to reflect payment/paid off balance. Thank you for your help in this matter and I am greatly appreciative of removing XXXX defaults from my credit history and back rolling unnecessary inaccurate charges as a reflection of mishandling process on the banks behalf.
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. (PA)

In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a 50-year term.

This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. 

After XXXX serviced the loan in XXXX, it went to XXXX  XXXX XXXX for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. 

It was service transferred to XXXX XXXX XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, XXXX doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. 

Just recently, I received a call from XXXX  XXXX XXXX again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, XXXX  XXXX XXXX, and XXXX have ignored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 XXXX 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 XXXX 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 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: First Data Corporation (GA)

I currently have mobile service with XXXX and generally pay my bill through my checking account. On XX/XX/XXXX I attempted to pay my bill using a new checking account open XX/XX/XXXX.I was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data Retrieval. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally request the removal of all accounts related to my credit report that were XXXX under my XXXX XXXX XXXX, which has since been closed. As you may know, creditors are not allowed to report accounts as active or delinquent once they have been XXXX through XXXX. It has come to my attention that the following accounts continue to appear on my credit report, which is a violation of federal XXXX  laws. 
I have provided the list of these accounts below and request their immediate removal from my credit report : XXXX  XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX  ( Account No : XXXX ) - Paid, Closed XXXX XXXX XXXX Account XXXX XXXX XXXX ) - Paid, Closed/Never late XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX ) - XXXX through XXXX XXXX XXXX XXXX  ( Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account No : XXXX ) - Paid XXXX Closed/Never late These accounts were either included in the XXXX  or were closed appropriately.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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 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 2016-10-31
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have been an American Express card member since 1981, and in that time I have never had cause to question the level of service or integrity of the company. In XX/XX/XXXX, I purchased formal wear from the XXXX internet merchant XXXX, which promptly cancelled XXXX of XXXX orders. I immediately cancelled the second order, because the purchase was time-sensitive. I also called American Express to demand a chargeback. American Express claims that I owe {$510.00} for XXXX dresses ( XXXX orders ) I do not have in my possession. 
In XX/XX/XXXX, XXXX agreed to withdraw the claim for {$100.00} for XXXX dress, and refunded the money. Recently, the dispute resolution division of American Express restored this amount to my credit card debt. I am pretty sure they do n't read any of the documents they ask customers to upload when disputing a bill ( or even correspondence generated by American Express ). 
I have been petitioning customer service and billing inquiry since XX/XX/XXXX without success, regarding the second package ( cancelled by me ), a package shipped XXXX. The dispute resolution department is located overseas, and is not accessible by phone. Billing Inquiry says they communicate with dispute resolution by e-mail. It is easy to see how nuances of a case get lost, though mine is n't that complicated. 
Here are the relevant facts : 1 ) Both orders were canceled, one by XXXX, the other by me. 
a ) XXXX canceled the order on XX/XX/XXXX. ( I have a screen shot of this ). 
2 ) The packages were sent, anyway. 
3 ) Both were delivered without my signature. 
4 ) I returned XXXX package unopened to XXXX, which sent the package on to Kansas. XXXX agreed to refund my {$100.00}. However, when I returned the XXXX package unopened to XXXX -- the only way you can 'refuse delivery ' when you 're not home and they drop it off without your signature, the merchant was not so cooperative. 
5 ) XXXX tried to contact the seller for a month 6 ) Finally, the seller sent XXXX an order to 'destroy ' ( rather than authorization to return ) the package. 
7 ) I have supplied documents showing that XXXX picked up the unopened package. See line item XXXX. 
8 ) Documents showing that XXXX tried to contact the seller in XXXX. 
9 ) A document in XXXX and English from the seller authorizing XXXX to destroy this package. 
10 ) A new document of correspondence between myself and XXXX indicating that a ) the seller wo n't correspond with them. b ) that XXXX is not involved any longer in this decision making process, only American Express. 
I can only conclude that American Express is purposely making it difficult for customers to seek redress. 
I want a refund of {$510.00} and no damage to my credit.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2016-10-31
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc. (CA)

**FYI I will keep filing complaints until google fixes my issue** My nephew used my account to make purchases ( he is a minor ) google refuses to refund what was charged. Google referred me to a developer and the developer said google MUST and needs to refund these charges. Google refuses to accept responsibility and refuses to refund charges that have been made.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"