davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (MD)

In XX/XX/XXXX, based on a accident ( disaster ), I faced the financial hardship. Wells Fargo is my mortgage lender from XXXX, and I asked them for a mortgage assistance. They offered several options but asked for permission to check my credit score. At this moment the score was about XXXX. However, Wells Fargo asked XXXX XXXX for assistance, and when results came, it was a very unpleasant surprise. The new FICO score has dropped for 83 points - due to the Wells Fargo/XXXX XXXX inquiry. When asked for information why it has happened, the answer was that this score is based upon XXXX  report. I called XXXX and they denied providing such a wrong information. At this moment am disputing this sudden drop of the score and I am asking removal of such inquiry. 
As far as I know, the official credit bureaus are the only providers of credit information. Many new providers of scores are doing it for less money and are increasing the market. Their information is not always correct. They maybe are pleasing the lenders who are paying for information, but it can create harm to customers - intentionally or inadvertently. 
I am informing CFPB because this has happened under your watch of the compliance with FDCPA.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CT)

I was a customer of Wells Fargo in XXXX  and they removed money from my account without my consent and allowed other vendors to put my account in the negative. These actions forced me to have to pay them back and then close my account, which I had to threaten them with legal action before they did. I had been a customer with them since they acquired XXXX XXXX
Consumer complaint received 2019-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My partner and I have lived in our home in XXXX XXXX, MD for over 22 years. Because we are both in XXXX XXXX  and work on commission, our incomes always fluctuate. So many times during those years we have gotten behind, but we would send what we could until we could fully catch up. And always the mortgage servicing company accepted those payments, whatever they were ( see attached ). And that has been true of Select Portfolio Servicing, Inc. ( SPS ), our current servicer. 

However, on or about XXXX XX/XX/2018, I sent SPS a check for {$4000.00}, which SPS returned on XXXX XX/XX/2018 ( see attached ). SPS rejected the payment and in its unsigned letter said it would only accept over {$17000.00}. More recently, SPS returned a payment of {$18000.00}. 

As I noted above, our incomes fluctuate regularly and the markets have been slow for us the past year or more. We are doing the best we can, and SPS is just trying to force us out of our home, even though it has in the past taken payments less than the full amount owed. How can a mortgage servicer, which is supposed to work to get money to pay down a debt, reject significant payments? I feel that something has changed to propel SPS to treat me in a different manner than previously and that the company 's motivation is suspect and possibly discriminatory and thus not legal.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (RI)

This is an attempt to collect repeated overdraft charges made to my account by XXXX for an unauthorized charge. The account was charged four times at {$35.00} each time and the remaining money in the account was taken and the " balance due '' was {$110.00}. At the time, I asked the bank to reverse these charges. They refused and sent it to collections almost immediately.
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I called Citi Cards to dispute a transaction with XXXX XXXX XXXX. The disputed amount {$2900.00}. 

On XX/XX/XXXX, Citi Cards sent me an email stating that my dispute is still open. 

On XX/XX/XXXX, Citi Cards sent me another email stating that the merchant, XXXX XXXX XXXX had responded to my dispute and that I would be notified within 10 business days. XX/XX/XXXX, I called Citi Cards to ask if they needed any documentation from me to support my dispute. I was told it wasnt necessary at this time and that Citi Cards would request it when needed. 

On XX/XX/XXXX, I received a letter by mail from Citi Cards requesting additional information and documents by a due date that expired on XX/XX/XXXX. On XX/XX/XXXX, I called the dispute department at Citi Cards to inform them about the expired due date on the letter and XXXX, the representative told me that she would make a note on the dispute and bring it to the attention of the investigator regarding the expired due date. In the mean time, she told me to submit my supportive documents through email promptly. 

On XX/XX/XXXX, I emailed all my supportive documents regarding my dispute including the notice of cancellation agreement with XXXX XXXX ( XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received a letter from Citi Cards stating that they couldn't resolve my dispute and will be rebilling me the amount of {$2900.00}. On XX/XX/XXXX, I called and spoke with XXXX with Citi Cards dispute department. He said the case is final and closed. He said I was too late to respond with my supportive documents and the dispute can't be reopened.
Consumer complaint received 2023-02-04
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. (CO)

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. 

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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

As per my attorney below, I totally paid off the XXXX XXXX bill. I went to XXXX XXXX and they denied me a new account incorrectly stating that I owed them money. This account is paid in full. See the correspondence from my attorney : " We have been contacted by consumer XXXX XXXX XXXX regarding the above referenced account. A check marked payment in full was accepted and cashed by CCS Collections. A copy is enclosed for your convenience. The cashing of the checks indicted your willingness to accept the amount tendered as full and final payment of XXXX XXXX debt. Please immediately remove any negative comments from XXXX XXXX credit reports as this debt has been satisfied. '' I have included documentation from my attorney stating the same.
Consumer complaint received 2019-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (PA)

Resurgent ( LVNV ) has 3 accounts for me. Two of the accounts ( XXXX and XXXX ) are incorrectly labeled as owed and should not appear with their firm. The first, XXXX XXXX XXXX account ( Resurgent ID:XXXX ), displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Charge Off Balance : {$520.00} with a Current Balance : {$930.00} ( total debt ) ; which has been charged off meaning I do not owe this amount nor any amount to date since it has been completely charged off since it has been over two decades ago. 

The second, XXXX XXXX account ( Resurgent ID:XXXX ) displays the following information : Origination Date : XX/XX/XXXX Charge Off Date : XX/XX/XXXX with a Current Balance : {$760.00} ( total debt ) ; which should have been charged off meaning I do not owe this amount nor any amount to date since it should have been charged off by now and is over two decades old. 

The third ( XXXX XXXX XXXX  ) is still in dispute concerning any debt currently owed. I would like for this firm to correct their records to reflect the above information and have {$0.00} balance for two of the three accounts noted above based on the above information which is true and correct to the best of my knowledge. XXXX XXXX
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

So back in XXXX of 2022 we were coming out of forbearance. Upon getting everything ready to restart payments we were offered 2 options. Option 1 was an increase in our interest rate ( 6 % ) and our payments would move up {$300.00}. The second option was to keep our interest rate the same ( 2.25 % ) and resume our normal payments which were {$300.00} lower. I declined option 1 because it didn't make sense to choose over the second option. The Representative at Freedom Mortgage let me know option 1 was declined and that they would be rushing option 2 's paperwork out to us. Once we received the paperwork, we contacted a mobile notary and had the paperwork signed. About a week later I received a second packet in the mail. I called Freedom Morgage right away to make sure I hadn't made a mistake. The representative assured me that the 2nd packet that was sent to me was the same packet as the first one and assured me of the agreed interest rate and payment. Come XXXX I went to log into my account to pay my mortgage and noticed I was a month behind, and my interest rate was at 6 %. Freedom Mortgage told me that a mistake had occurred on their end by sending me the wrong paperwork and they would escalate the situation. I continued to check up on this for around 4-5weeks. Eventually a manager told me to fill out the old 2.25 interest rate paperwork and they would try and have underwriting adjust the start date ( since it had passed ) Underwriting then told them they can't do that and that they would need to send me new paperwork out. So, they went to re-do the paperwork, a few weeks later, they called me to tell me I was approved again, for a 6 % interest rate. We are now back in escalations with Freedom Mortgage and have been told its going to be very hard to turn around. I do have a litigation attorney on standby.
Consumer complaint received 2023-02-02
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. (CA)

The XXXX/Equifax/XXXX  Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets delete this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaint. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2019-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (SC)

I do not owe this debt because during this time my child had XXXX XXXX. Which means they shouldve filed with XXXX and we also had started Medicaid the following month. I feel they should file the insurance to get their money instead of waiting on coming after the parent ( me ) for this debt.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX and XXXXXXXX XXXX  capital charged me back twice for singular credits. They have a long history of such acts and I want the FDIC to force them to stop bullying me and threatening my good credit rating with fraudulent debits. I refuse to pay.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

I had a Wells Fargo account in college XXXX. The account was set to not let me purchase something if I didnt have funds in my checking account. I had plenty in my savings but would need to manually transfer to my checking account. Wells Fargo still charged me overdraft fees- many times, even though I was not supposed to be able to overdraft.
Consumer complaint received 2023-03-09
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. (NJ)

Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I made electronic payment to Commenity capital bank of XXXX They never posted it to my card. I have been receiving interest charges and late fees since XXXX XXXX. I provided proof to Commenity and still have not been able to get this resolved.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION (MS)

I obtained a payday loan from XXXX XXXX XXXX in XXXX AL. I settled the payment XX/XX/XXXX for {$250.00} with the third party brought in by XXXX   XXXX XXXX called XXXX XXXX XXXX. XXXX XXXX XXXXXXXX began contacting me through, XXXX XXXX XXXX, again in XX/XX/XXXX. The company constantly called harassing me over the debt that I advised was settled. XX/XX/XXXX. XXXX XXXX  XXXX put this item on my credit report as collection. I would like action against XXXX XXXX XXXX for unfair practices and the item removed immediately.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AZ)

I bought a warranty plan for my hot water heater, that was supposed to cover product replacement and installation. the water heater started leaking and Lowe 's told me, that they could not find a service provider in my area to install or fix the heater. They paid for the new hot water heater with a Lowe 's card {$620.00} which was {$10.00} short for the newer model after finally getting back to me after 2 weeks and water running in the tenants home. They sent me a second card with the wrong name and I had to pay {$800.00} plus new hoses for installation out of pocket. This whole ordeal took 1month, during which the water kept running into the house. This can be validated by XXXX XXXX, a manager at a Arizona XXXX 's who did her best to help us for more than an hour.
Consumer complaint received 2024-11-01
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. (TN)

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, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have been working full time with a PSLF-qualified employer and making qualifying payments since XX/XX/XXXX. When my loans were from transferred to XXXX, XXXX did not count all of the qualifying payments. A request to review my case was submitted by a fedloan representative XX/XX/XXXX, but my case has not been reviewed. Additionally, through the XXXX website, I am unable to access past PSLF employer certification forms I submitted and I can not access information on payments that were made during the year XXXX.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called XXXX. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NC)

Called XXXXXXXX XXXX  ( XXXX ) on XXXX for help disputing an incorrect XXXX WEB ORDER charge for {$1200.00}. I provided the necessary information and was told someone would be in contact. I received a XXXX letter the week of the XXXX explaining that the charge never posted and no further action would be taken. I contacted XXXX via phone and explained that the charge had in fact posted and been paid at that point. The lady looked up and confirmed the letter was in error and they did show the charge posted and would place it in dispute at this time. She transferred me to another lady who asked a series of in depth questions around the transaction and explained they would issue a credit for the charges while they worked to resolve the dispute. I received another XXXX letter on the 3rd advising that a credit had been issue but a series of documents asking the same questions were included with the letter. On XXXX, I attempted to call XXXX to ask if this was needed since clearly it was the same questions previously provided over the phone. I was unable to complete this question due to the amount if account verification information that was being required. I was asked by XXXX first to verify account information which I did before being transferred to XXXX. XXXX proceeded to ask ( and I'm serious, pull the call ) for my full name, address including zip, last 4 of SSN, DOB, and a code from a verification SMS that was sent. At this point I cleared the call since this clearly is not intended for any type of account verification and instead is an intentional hurdle to keep for providing customer service. I would like help resolving the billing dispute but I am unable to work through the intentional hurdles to even ask questions.
Consumer complaint received 2023-03-09
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 2022