davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is fighting me on every insurance policy they require I hold. 

The company keeps claiming they have NOT received insurance renewal details, though XXXX claims they sent the renewal information to Wells. My last attempt to update the building 's mater policy was met with " that's not good enough. '' They told me I had to add special endorsements to the bottom of the master policy in order for Wells to accept the updated details. 

This always leads to my trying to contact the insurance department, but they don't seem to take calls on the published number. The phone router requires endless inputs, but will not allow me to speak to a rep. 

My mortgage was sold to Wells Fargo. I did not want to be with this company as they tried to take funds from the escrow account. It seems now they are rejecting every insurance policy update and make as difficult as possible to provide acceptable proof of insurance so they can sell me an overpriced new policy. This type of harassment should not be allowed, and they should not be able to profit from selling insurance on mortgages they service. I have NEVER had a lapse of insurance. 

Our condo staff roll their eyes when I tell them I need insurance details for Wells Fargo and have stated they are, by far, the most difficult to deal with. 

I don't believe Wells Fargo is an ethical company, and I would not have selected them, but because they are allowed to buy mortgages, I am stuck their harassment. I'm guessing they want me to go to another lender so they can offload this low interest loan. 

I now have to spend time a few times a year on hold hoping I'm lucky enough to speak with a rep to prevent them from buying insurance on my behalf.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-12-08
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. (AZ)

On XX/XX/2023 a letter was sent to transunion asking for them to verify the information from a item listed on my credit that i feel was deemed invalid by XXXX and XXXX. Wanted to inquire into what information the company has validating this account.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation (TX)

I have a loan from Regional Finance. Im a XXXX on a fixed income and I can not keep current with my debt. Two months ago I registered with a debt repair organization who will be negotiating with creditors. I get repeated and numerous phone calls from XXXX & other employees @ Regional Finance. I block there phone numbers & they call from different numbers & leave repeated voicemails, Im not trying to not pay this debt. Im making strides to negotiate & repay creditors, but I dont appreciate being harassed by Regional Finance.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (IL)

these accounts were not mines XXXX XXXX XXXX opened XXXX XXXX, Western Funding Opened XXXX XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, Bank of America has charged my account several times for " Legal Order Fees ''. The fees are more than the amount that was placed on the lien. On more than one occasion, they've drained all the money from account. They charge {$120.00} per legal order fee and refuse to reimburse my account. It's causing me great financial difficulties because of the fees.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I took a look at my credit report and noticed some inaccuracies. It is hurting my ability to obtain credit. It is my understanding that you will investigate the account to ensure maximum accuracy. 

Account : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-08-02
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. (MA)

This is the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I initiated a transfer of funds ( ACH ) from a XXXX XXXX XXXX checking account into my Wells Fargo checking account. That was over XXXX days ago and my funds are still not available/or even posted at Wells Fargo XXXX I know how the ACH system works and I could have been given credit almost immediately. Some banks are better than others at posting available funds. Apparently Wells Fargo is not. When regulations were written, circumstances were different. Isn't it time to update when a bank gives a customer credit so as to reflect what is actually happening. Are regulators in on it with the banks? Why do you allow banks to continue to rip-off consumers? Why don't you at least do something to bring this issue to light?
Consumer complaint received 2023-05-02
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. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$28000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6700.00} XXXXXXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance XXXX {$790.00} XXXXXXXX XXXX XXXXXXXX Balance : {$28000.00}
Consumer complaint received 2024-02-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (GA)

I have disputed this debt many times. I rather set up payment arrangements with the original medical facility. I have requested documentation so that I can sort this out. I have expressed that I am unemployed and unable to pay the debt in full. I was told that they do not offer discounts or payment arrangements. How am I supposed to pay this debt if I dont have the money, am not able to set up payment arrangements, being charged interest and can not get a copy of the debt details in full to make sure it is accurate. This company is very rude and unhelpful.
Consumer complaint received 2024-01-08
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (FL)

They are calling and harassing me multiple times a day and at inappropriate times. Always calling from a different phone number-if I answer I ask who they are and what company and why they are calling and they refuse to give that information just launch into some script. I want it to stop! 
I dont even know what this is about and the odd thing is -I just started recently as i have corrected and fixed some inaccurate info on the credit reporting agencies. Please have them cease the harassment! I dont even know what this is for! Vultures!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (GA)

Fraudulent charges and orders on the account were sent to an address in XXXX I live in GA. I reported the charges and Wayfair investigated. I never received anything regarding the results and now I have a negative update on my credit report.
Consumer complaint received 2024-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (NY)

On two occasions I have spoken to representatives of Shellpoint Mortgage in reference to setting up a repayment plan, once in early XX/XX/2023 and once in mid XX/XX/2023. Both times I was interviewed about the issue I was having that led to missed mortgage payments. After answering all questions, giving all financial information and contact information, I was told that a representative would contact me soon. I was also given the name and email address of the representative : XXXX XXXX, email address : XXXX. After waiting weeks and not receiving a phone call, email or mailing from the representative, I decided to send an email to her. To my amazement the email address was not functional. The representative could not be reached by email. I also sent an email to XXXX, and have not gotten a reply. 
Making contact by phone has been just as frustrating. When I call, I am never connected to a person who has any idea that I have an application on file or who can connect me to XXXX XXXX, my original Shellpoint contact person. As I write this complaint, I have been on hold with Shellpoint for 44 minutes!!!! It seems like they don't really want to help me bring my payments current. It seems like they want me to lose my home to forclosure.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I Recently Reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Name XXXX XXXX XXXX number Account : XXXX, I don't recognize that account, much less that company account on my report. Please remove these account from my report, they are aggressively hurting and affectting my ability to obtain credit for a long time. Additionally These are the other inquiries that i do not recognize and want to remove from my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Recently Reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Name XXXX XXXX XXXX number Account : XXXX, I don't recognize that account, much less that company account on my report. Please remove these account from my report, they are aggressively hurting and affectting my ability to obtain credit for a long time. Additionally These are the other inquiries that i do not recognize and want to remove from my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I purchased a sofa using a Chase Sapphire credit card. I had to return the sofa and on XX/XX/XXXX a credit was issued to the Chase Sapphire card for more than {$4500.00}. Some part of those funds were used to pay off the remaining balance. The last purchase made on the card was XXXX XXXX, leaving me a credit of {$880.00}. I have made no additional purchases since that time. 
When I requested that the remaining credit be a ) applied to a Chase Freedom credit card or b ) the refund sent to me or placed in my checking account, the bank representative initially said it was take four to seven days to process. I called back when I did not see the {$880.00} applied to the XXXX card or in my checking account. That happened in XXXX. 
Since that time, I have repeatedly called the number for Chase Sapphire, I have visited the bank branch on XX/XX/XXXX, where the branch manager called the same Chase Sapphire number and was told the transfer would take place immediately, and I have called at least XXXX additional times. Each time, I was given a different answer. 
I called this week, and was told the previous bank representative had not followed the proper procedure and I would be receiving an email with instructions on how to transfer the funds or request a check be issued and it would take 24 to 48 hours. Yet as of today, I have never received any email from Chase with any instructions. When I called the bank I was told that they had no information they could provide. 
Then this week, the executive offices called to tell me a complaint was filed. When I called the number that I was instructed to call back, I got no answer the first time. I subsequently was told it take seven to 10 days and they have no information on the status of the refund or any details. I have spent nearly a month trying to get some resolution but have been given a different protocol every time, including told to simply make a purchase and use the credit to pay it. 
I would like to get my {$880.00} back and so far have not been able to get Chase XXXX XXXX or Chase Sapphire services to return the funds. 
I have also repeatedly reached out to Chase and Chase Customer Support on social media, each time, I get an apology with a request to send a private message. When I send the private message I receive a reply instructing me to call a 1-800 number. I believe that Chase is failing to return the funds that were refunded to me.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions.
Consumer complaint received 2023-05-02
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. (TX)

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Filed a dispute with all credit bureau and supplied information that a account was fraudulent, account had been removed from all credit bureau, but transunion they have been notified by the creditor that the information was fraudulent and removed but they refuse to update my credit report the, they told me I had to wait 30 days but the 30 days are the time in which the creditor has to respond, I spoke with the creditor and he has notified all the credit bureau and I have received notice from XXXX and XXXX XXXX XXXXXXXX that it has been removed but transunion refused to update although they have the information which has caused me homelessness due to them refusing to update my account and having me be denied to to inaccurate information.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS OPENING WHAT SO EVER. I HAVE NOT SENT ANY PERSONALS STATEMENTS INTO YOU GUYS STATING THAT I AGREED TO THE HAVING INFORMATION BLOCKED IN ERROR OR THAT I AGREED TO THE ACCOUNT BEING OPENED. THE ACCOUNT IS FRAUDULENT. and further litigation will follow if accounts are not deleted.