davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

My card was lost and I did not notice it was lost till a few days later. 
Upon checking my bank account i noticed several unauthorised transactions that I did not make. After further reviewing my bank account I noticed a transaction that was happening every month that I did not authorize or notice till that moment. 

Transactions that stood out from the day the card was lost. 
XX/XX/XXXX XXXXXXXX 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 issue : Running transaction that I noticed after checking my bank account thourghly : Multiple transactio from this same merchant. Seem like a monthly transaction that I did not authorize. 


XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company stated they reviewed the claim and have denied the clam. they did not state why they did this.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, Please remove old numbers and address! 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 2023-05-11
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: Experian Information Solutions Inc. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2024-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (VA)

I need my statements faxed or emailed to me and at XXXX nobody could help me and just transferred me to some random voicemail. At XXXX, after calling for 2 days straight, nobody ever picks up there.
Consumer complaint received 2018-06-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo has charged a Fee of {$120.00} to my account for a legal order. I expressed to them that the funds were from a XXXX payment case. Wells Fargo and other banks alike are charging excessive fees for writing a check to a debitor. I wasn't representated by Wells  in court nor did I receive LEGAL COUNCIL. Why does Wells Fargo think it's Ok to charge a fee, that of which an attorney can make, for less than 10min of work. Wells Fargo has been hit with a {$250.00} million door settlement for excessive overdraft fees. This should also be a consideration moving forward. 


And this is the kicker. Wells Fargo instructed me to contact the Franchise Tax Board and have them write Wells Fargo a letter stating that there was an error. I'm still scratching my head on that one. In short they want me to call the Franchise Tax Board and have the FTB tell Wells Fargo that there's been an error with your fees. FTB didn't access the fees XXXX! Why would FTB call and complain or write a letter regarding fees they didn't charge. 

Name # XXXX XXXX Case # XXXX Amount # XXXX
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (AL)

In XX/XX/XXXX, I received a text message from Wakefield & Associates regarding a dental bill for services they claim that I received in XX/XX/XXXX. I called the number back and spoke with a representative who stated the call was being monitored and that it was for a dental bill from XXXX XXXX I informed the representative that I have never received services from XXXX XXXX, on XX/XX/XXXX nor or any other time. I told them I don't know of a dentist by this name. As of XX/XX/XXXX, Wakefield & Associates has now reported this account on my credit report. Upon my awareness, I call this company again and informed them that I have never received services from the dentist, and I did not have a dental visit in XX/XX/XXXX. The representative stated the account was in dispute from the last conversation I had with the representative at their office in XX/XX/XXXX. I repeated again, this is not my debt. I do not know the dentist. I did not visit this dentist in XX/XX/XXXX. I informed the representative that I deemed this as being harassment and deceptive as I have told them repeatedly that I don't know this dentist, have never been seen by this dentist and have never been a patient of this dentist.
Consumer complaint received 2017-12-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

After moving home from my full time job in California ( back to NJ ) to try and help support my father and sister I have only been able to locate a part time job. My private loan with Citizens Bank/XXXX XXXX is 3 weeks of my paychecks for a part time job at {$9.00} an hour. That would mean I would n't be able to pay my car payment or car insurance ( along with other day to day necessities ) which in turn leaves me jobless. I am now behind and will never be able to catch up. Thus, both mine and my co-signers credit will be tarnished. 

I have called multiple times trying to work something out, even mentioning income based payment options and they have offered me nothing. They say I 've used up my deferment when I was trying to get my feet under me when I first moved to CA for work. 

I 've made a small payment, but the harassing calls will not stop they have said. 

At the end of the day I am aware that I am not the only citizen that is in this situation with college loan debt. These companies need to be more helpful.
Consumer complaint received 2024-10-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Propel, Inc. (NY)

XX/XX/year>, first time ordering from this company and never received the product because the XXXX USPS lost the package and did not deliver to XXXX  XXXX, or my mailbox or the XXXX XXXX On XX/XX/year>, XXXX XXXX XXXX XXXX wrote me a letter to give to the company admitting loss of package. XXXX has a {$100.00} insurance and refuses to file a claim explaining the customer needs to file a claim. Now XXXX is claiming they are not responsible for refunding my money and is waiting for a response from the USPS. On XX/XX/year>, XXXX emailed me stating : " We are trying to file a claim but USPS keeps showing us this message. Contact Providers /Propel Card to file a dispute who in return did not contact me nor provided me with the merchant response and an opportunity to respond with supporting documentation. Instead they gave favor to merchants. After calling and requesting a merchant response which I was entitled to, I was then told to appeal and send supporting docs. Providers/Propel did not bother to accept my docs and refunded my money and then reversed the charges to the merchant who knows the package was not delivered and was lost by the United States Postal Service and was instructed to file a claim for the insured package of {$100.00}, Providers/Propel was given all this information and claiming the merchant show proof of delivery and is not responsible for USPS not delivering. But nor am I responsible for paying for undelivered merchandise.
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PLANET HOME LENDING, LLC (CA)

On XX/XX/year>, I opened a support ticket with Planet Home Lendings customer support department. This ticket was opened to address their error in reporting my timely mortgage payments as late to the credit bureaus, thus severely damaging my credit and preventing me from obtaining any sort of financing.

For this support ticket, I provided several bank account statements, from varying accounts and institutions, to evidence my timely payment of each monthly mortgage bill. The bank statements evidenced the following : XXXX payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> XXXX Payment : Paid XX/XX/year> After receiving my bank statements, Planet Home Lending dismissed the statements and simply referenced what their records show. To reiterate, I provided statements from varying accounts and institutions for the months paid. It would be incredibly unlikely that these varying banks all have incorrect records. At the very least, this should warrant an investigation into the accuracy of their own records. 

Planet Home Lendings records differed significantly from my bank records as follows : -Their records show no payment for XXXX, despite my bank showing payment on XX/XX/year>. 
-Their records show a payment was received on XX/XX/XXXX. This payment does not exist on any of my bank records. 
-Their records show a payment was received on XX/XX/XXXX, but that this payment was later returned for insufficient funds. My bank records show a payment on XX/XX/XXXX, but the running balance shows sufficient funds throughout the month. 
-Their records show a return of the XX/XX/XXXX payment on XX/XX/XXXX for insufficient funds. My bank records show no return of funds at all, even in the several months that followed. 

Planet Home Lendings convoluted customer support system, slow response time, and insistence on standing by their records in spite of the evidence provided from multiple third party banking institutions has proven extremely frustrating to deal with. Ive made multiple attempts to escalate, and they have provided no recourse for severely impacting my credit despite my timely payments.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (PA)

I received a collections account mark on my credit report by a company XXXX XXXX XXXX  They claimed that I owed a debt by XXXX  from years ago. I did not owe this debt. I filed a complaint to have it removed from my credit report. It was removed, about a week after it was removed another company by the name of AFNI is now trying to collect on the same exact debt that I had just disputed. I do not owe this money and I 'm not sure why its allowed to be transferred when I already proved it was not mine. I would like it removed from my credit report and I want this company to stop trying to collect.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have not lived at this address or applied to live at this address as stated on my credit under personal info is wrong by Experian. 

Experian needs to provide proof of a said mortgage, Rental Agreement, Contract of this said information on my credit file.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, NY XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please ) : Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is again XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXXXXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX The correct employers is XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-11
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: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-12-06
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. (NY)

XXXX took over the servicing of my Mortgage and almost immediately made a mistake paying taxes and collecting payments. My loan includes escrows  which means the bank is responsible for paying my taxes when due. When XXXX received my school tax bill they failed to pay the school taxes. In XX/XX/XXXX they received the town tax bill. Since they failed to pay the school taxes in XX/XX/XXXX. the school taxes were billed again and were added to the town tax bill. XXXX read this as my town taxes had increased from appox. {$2000.00} to {$10000.00}. XXXX then raised my escrow payment almost {$1000.00} per month to cover for their mistake. I immediately called them and told them of their mistake, but they did nothing to correct their mistake or the payment. I sent them a letter explaining their error ( attached ). It was ignored. I made several other subsequent calls and they ignored me, acting as if I was a liar and did not know what I was talking about. I would explain their error and they would respond that I owed the additional funds. It was as if they turned the volume off on the phone and did not hear a word I said. This included managers I spoke with. I was treated with absolutely no respect or concern. They acted as if it was impossible they could have made a mistake. Almost 2 years went by and XXXX ignored every call and every letter. It was not until after dozens of attempts to correct their mistake I got a manager who actually looked at the escrow account and saw there was thousands of dollars in excess funds in the escrow account. However, He still never admitted the mistake. I was told I needed another {$500.00} to bring account current. At this time XXXX was already holding {$43000.00} and still reporting I was almost 2 years behind on my mortgage even though they had all the payments. Also, I did not need another {$500.00}. XXXX had been holding over {$1000.00} for years which they could never explain why. They refunded this money to me about a year ago. So in fact they had all the payments plus approx. another {$700.00} and XXXX was still reporting my account almost 2 years late. XXXX needs to immediately correct my credit report to reflect no lates. I believe they should also have to pay restitution for all the problems this has caused me in obtaining new credit. XXXX has violated multiple laws for collecting and reporting a debt while servicing my account without taking any responsibility at all for their negligence.
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I have tried and tried to fix this problem, I have XXXX XXXXXXXX, am XXXX and sls will not help me, I just want a repayment plan that I can afford, sls keeps denying me, I was set on a repayment plan and called to tell sls that my payday was different then what I had originally told sls and asked if I could change the date, well I found out I was in foreclosure, I have begged this company, pleaded with them, and i get no for the answer, in may I was given a modification and in XX/XX/XXXX before I could make the first payment I was admitted to the hospital, where I had an extended stay, I was diagnosed with XXXX XXXX XXXXXXXX, the people I trusted to pay my mortgage, took my money and left the state, so I have been asking for a repayment plan and this company will not help me, I keep trying, I ama us XXXX veteran and I am XXXX, I want to stay in my house to XXXX, but sls is foreclosing on me and putting a XXXX veteran in the streets I have no where to go, I have asked this before and they tell me no, this company is a very very horrible company, they have no compassion, I have tried to make my last 2 payments and was told no because I am in forclosure, I have no where to go, I can make my payments but they want me to sell my house or deed it back, I want to keep my house, I have tried, I guess my next step is to go to media and have them reveal this company for who they are, when I had my modification done, my balance went from XXXXto XXXX, but had to sign papers to keep my house, and they are taking my house away, I will contact media.
Consumer complaint received 2017-12-12
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: Experian Information Solutions Inc. (TX)

XXXX XXXX pulled my credit report on XX/XX/XXXX through Experian. XXXX may have pulled this inquiry to the other credit reporting agencies as well. XXXX has fraudulently done this before back in XX/XX/XXXX and I spoke with the manager and he told me even though XXXX was included in my bankruptcy filing they are deem to pull my credit report when ever they choose to do so. My lawyer called XXXX lawyer and since XXXX was included in my bankruptcy, XXXX was demanded to delete the three credit inquiries and they did. I recently checked my credit report and XXXX did it again, they pulled my credit report on XX/XX/XXXX. They probable did the other credit reporting agencies as well. I am sending a copy of the bankruptcy file were XXXX is listed on page 11 and a copy of my credit report with Experian. Sacor address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas -- this is the lawyer address. XXXX 's physical address is XXXX XXXX XXXX, XXXX, CA XXXX. There number is XXXX their email address is XXXXXXXXXXXX. My account is XXXX. I as asking XXXX to remove any and all inquiries from all three credit reporting agencies and to quit bothering my accounts and me. I am done with them. They were included in the bankruptcy filing and if I can I want to sue them for character and credit damage.
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (SC)

I was never notified about this debt of XXXX according to XXXX Diversified Consultant stated the addresss matched and I was not living there. This was over 2 years ago and XXXX did not notify me. Called XXXX directed me to Diversified requested a pay to delete and was refused. This was removed from XXXX and XXXX XXXX because there was no evidence of address or notifying me about this at all in its entirety.
Consumer complaint received 2024-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.