davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

When I realized I couldn't make payment in XX/XX/XXXX with my Lender Wells Fargo I applied for Unemployment forbearance which I later closed as I already got a job by XX/XX/XXXX and started making payments until XX/XX/XXXX but the mortgage company applied 3 months of payments to the month of XX/XX/XXXX and reported it to the Credit bureau and sent me a letter stating that I am behind 5 payments. Later I applied for a loan modification to catch up with the missed 2 months payment based on their suggestion but later closed it as my contract job ended by XX/XX/XXXX, but the application was still pending until XX/XX/XXXX due to the negligence of the specialist so I filed a complaint with the manager and asked him to close the application as I wanted to go back to unemployment forbearance but they didn't close the application even after I made several phone calls later I filed a complaint with the customers relations but they never contacted me regaridng that eventhough they created a case for my complaints. Also, the specialist was asking for documents telling me one thing but later question about my other transactions on my bank account which is not relevant to the reasons they stated for requesting the bank statement, and they were also asking for new documents every single day which only explains that they are looking for proof not to approve my application so I asked them to hold off the process until they find a resolution for my complaint but the specialist closed the case and sent a letter stating that I can apply for a short sale, but even before they did this they have sent emails through the Advertisements I have on websites asking for videos and photos of my whole house and they also contacted USICS and IRS regarding my case which I haven't given authorization for. Even before I started the application the specialist suggested a short sale and kept saying that they cant guarantee that my application will get approved. i filed a complaint several times stating that there is some kind of fraud going on but they never responded to my complaints, also they have not given any explanation on why they reported 3 months payments to one single month and claim that I am late for 5 months payment.They also didn't convey that I can still continue on the unemployment forbearance as my job was a temporary contract job when I informed them about my employment after the approval. Likewise they are misleading me in several ways and being deceptive in requesting documents and sending out people to look at my condo and such.
Consumer complaint received 2018-06-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I spoke to Bank of America 's credit lending department for reconsideration of my closed credit cards. During the call, I specifically asked if them re-attempting to re-open my credit cards would incur a hard inquiry on my credit report ; they replied it wouldn't. During the conversation, I was never asked for permission to perform a hard inquiry nor did I ever verbally allow them to do so. However, I am now seeing a hard inquiry ( XX/XX/18 ) from Bank of America on my XXXX   report.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX  on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX - XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help me
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dispute remarks were added to my account on XX/XX/2018. I immediately called XXXX and they agreed to remove the remarks from my credit report with all three credit bureaus. Remarks are still there and have yet to be removed. These dispute remarks are lowering my credit score and I would like them removed immediately as I was told by a XXXX representative that the marks would be removed.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX   XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help me
Consumer complaint received 2018-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP (MO)

The letter I received from US Bank they will fix my problem but they state on their website they do support XXXX XXXX but from my experience its NOT i spoke with XXXX they state that you can do emails to activate your card electronically US BANK is not following how XXXX attends the functionality is supposed to do with online banking and a other thing I need to add I hate having putting so much passwords on online banking to get my account details and my routing number and I have wasting my time using the functionality it is just a headache and a other thing is when I call in I still need to establish a verbal password I know that XXXX uses it why not you its my account not yours to control.
Consumer complaint received 2018-06-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUSTMARK CORPORATION (CA)

On XX/XX/XXXXmy wife contacted a XXXX ad for an apartment rental in the XXXX, XXXX area. Upon contacting the individual who posted the ad they posed a real estate agent in the area and had a 2 BR/2 BA apartment for rent for {$1900.00} per month and it was month to month. 

After initial communication with the real estate agent ( pretend ) we filled out a leasing application and lease agreement with the posing individual. At which point they confirmed via e-mail that they received the leasing information and would sent payment instructions. We were instructed to pay via wire since this was an out of state private owner as they called them prior. 

Once we received the wire instructions the funds were wired into the account on XX/XX/XXXX at approximately XXXX XXXX PST. After several hours, something was not feeling correct about the situation and we attempted to contact the " real estate agent '' and they did not answer the phone but called back and pretended to be XXXX the " property manager '' for the company. After being very suspicious we called another phone number for the realtor and were told they knew nothing about this apartment listed for rent. 

We immediately went to our banking institution and reported the fraud/scam. They attempted to stop the wire transfer and notify the other institution of the situation. This was reported at approximately XXXX XXXX PST which would be XXXX XXXX EST at the financial institution in XXXX  which is Trustmark National Bank. We are not members of the bank however we did call them and notify them of the wire fraud. 

We spoke to the Security Department on the morning of Wednesday XX/XX/XXXX and informed them of the situation. There response to us was they were not sure they received the wire cancellation request and the money was withdrawn from the account at XXXX XXXX EST. It is hard to believe that the institution did not receive the request to not allow the withdrawal of the money. 

Local law enforcement was notified of the situation on Thursday XX/XX/XXXX and she has since been in contact with the bank. The  institution has since closed the account. We had suggested to them on Wednesday that they look into the account and the large withdrawals and were told by the security department that its normal for people to go in daily and take large sums of money.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you
Consumer complaint received 2018-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, Transunion and XXXX with no successful resolution. XXXX, XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have four accounts that I disputed over a year ago. They are ( XXXX XXXX XXXX -XXXX XXXX ( There are two of these same company different debts ) and finally XXXX XXXX ) The XXXX XXXX both say that consumer meets the criteria to have dropped off my report. Its not. It also shows even though there closed and owing {$0.00} there marked as bad debts. One is listed for {$4000.00} it says it was opened on XX/XX/XXXX however it says date reported was XX/XX/XXXX.?? If this was just recently reported why and how did I dispute over a year ago. I wouldnt have disputed if I didnt know it was listed.? Also XXXX XXXX consistently called myself and girlfriend everyday from XXXX - XX/XX/XXXX while at work and we repeatly asked them to stop calling during work hours they didnt until we finally disputed it. The last two XXXX XXXX and XXXX XXXX are both also showing they were recently reported the first mentioned XX/XX/XXXX and opened on XX/XX/XXXX {$340.00} and it was disputed and at one time dropped now its saying its never been disputed and showing {$0.00} payment or owed and yet listed the amount as a open bad debt? Same scenario with the second {$58.00} reported on XX/XX/XXXX and opened on XX/XX/XXXX says its open and not disputed. The files Im uploading it says their open active placed for collection and yet these are collection companies who originally bought debt and was disputed and found in my favor before another debt collector bought it. I know in under the FCRA when a collection company does buy a debt of a person they have paid bill. My contract was never agreed to with a collection company which makes it null and void.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IL)

This complaint is in addition to complaint number XXXX-XXXX : U.S. Bank recieved checks from merchants and clerly marked or wrote closed account on the checks and sent them back to the merchant, when in fact the account was not closed, becuase of there wrong and negligent bussiness practices, i have been charged with a criminal case because the merchants did not attempt to submit the checks for payment a second time due to U.S bank writing Closed Account. Then when i wrote the first complaint the Representative from us bank did not read my complaint and made it seem like i asked for my account to be closed when in fact i never asked for it to be closed, she just tried twisting they're words she clearly did not read the complaint. I will Submit All evidence i have for the above complaint. The other complaint is that all my account history does show any checks even being ran through my account and i called customer services and they said there wasn't no recorded but if you clearly read the evidence paper marked with a big x you will see checks order fees. Also There was a savings plan i was in where i never got visa gift cards in the amount of {$10.00}. I have more evidence i will send it because i have to obtain it but here is one check clerly marked account closed before the close of the account by us bank on XX/XX/XXXX the check is marked by us bank XX/XX/XXXX, lastly  XXXX XXXX says i received letter by the XXXX branch manger i did not ever receive no letter and the letters she inserted in the response to the complainant mentioned are not signed or dated i believe us bank made them after the fact because they are not signed or signed dated
Consumer complaint received 2018-06-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, XXXX, XXXX  and Equifax that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MS)

My mortgage was sold to Nationstar several years ago. I have had nothing but problems with them since. My husband and I have only social security as income. We live on a tight budget and emergencies can cause big problems. Got behind on payments and did a modification and was paying on time and early until we had a problem and got behind. Person helping me was no help at all. Never told me I could put arrears in a repayment plan. Instead offered another modification. I explained from the very beginning, when I was only a few payments behind, that I did not have internet and she needed to mail me the forms to fill out. I already knew the documents they would also need so I had them ready. After phone calls, voice messages and emails, six months later I'm told they don't mail paper forms!!! 
Now when I ask about repayment I'm told they looked into doing it in XX/XX/2018 but it was a year and I didn't have the amount available, whatever that means. I ask why I wasn't told about this and I'm told they only send a letter if I get approved??!!! 
This company is a mess and now I face foreclosure. I was never treated right and want to file a formal complaint against Mr Cooper and XXXX XXXX my dedicated loan specialist. Very poor quality work on my behalf. This should have been resolved within a few months as a repayment plan. 
Thank you for any help you can give me.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was going through my credit report & noticed there were couple of late payments listed for my 2 capital one credit cards which I wasn't made aware. I made payment on-time every month and i did not received any past due amount. 

Late payments listed below : XX/XX/XXXX -30 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX - 60 days ; XX/XX/XXXX - 30 days ; XX/XX/XXXX -30 days ; XXXX -60 days : XXXX -30 days Please kindly update those payment above to show paid as agreed. 

Thank you!
Consumer complaint received 2018-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX ( XXXX ) and the unknown collection account on my XXXX  - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

I currently have XXXX XXXX XXXX as my cell phone provider. I have had them for almost 3 years, prior to that I had them for 4 years, with a separation of service from XX/XX/XXXX to XX/XX/XXXX. There is a debt collection for {$95.00} on my credit report. There was never a debt owed to XXXX XXXX XXXX. I have disputed this collection last year with a different collection agency with documentation that there was no debt to be collected. This was on my XXXX XXXX credit report. Now it is on my XXXX  Credit report.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have notified the different credit agencies and the collection agency that this account do not belong to me. Please review the attached police report. The XXXX - XXXX  ( XXXX ) and the unknown collection account on my XXXX  - Acct # XXXX account do not belong to me. Please remove these accounts from my credit file.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

since opening an account with this bank they have had several ongoing issues. fifth third has had problems in which I am was not able to access my account via the mobile app or online, they have at all times made accessing my account and changing simple things even such as my phone number a huge hassle. When calling into customer service there is consistent rude, nasty service by people who dont speak clear english. When asking for a supervisor I am often hung up on or transferred tot he wrong departments. I am often given wrong information as to matters such as what actual debit card is active on my account. The bank has made disputing transactions as complicated as possible. The have misrepresented bank terms and conditions to me as well as privileges. The bank when I have called to speak to a manager I am transferred to the wrong departments or placed on holds of an extremely long time and often still transferred to someone who is not a supervisor.
Consumer complaint received 2020-09-12
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
The accounts that are not mine which should be deleted are : XXXX  CARD account number XXXX As you will see, many of these accounts have the same opening date. As you will also see from a review of my full credit history, before these accounts were opened, I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.