davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

The account activity is missing transaction that was reversed. I have already asked about On XXXX/XXXX/XXXX statement the Principal unpaid balance was {$29.00}, XXXX ; on XXXX/XXXX/XXXX - it was {$28000.00}. After one more extra principal of {$500.00} and interest payment - the balance in XXXX/XXXX/XXXX is {$28000.00} amounting to only {$280.00} being applied. Wells Fargo ignored the inquiry/complaint that was faxed on XXXX/XXXX/XXXX ( see fax confirmation ). on XXXX/XXXX/XXXX - Per XXXX XXXX Customer Service - after XXXX payment - I could have expected my balance to be : {$28000.00} Balance as of XXXX/XXXX/XXXX XXXX Less : Principal Payment XXXX {$500.00} Less : Regular Payment XXXX Estimated Principal Balance prior to adjustments {$28000.00} It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the Mainframe systems showed 3- {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account XXXX XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the 3 {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. Another issue is that the payment on XXXX of which they are not supposed to draw since I told Customer service to change from biweekly to monthly was kept once again in Unapplied funds and was not applied until XXXX/XXXX/XXXX. This should have been applied to Principal as the payment for XXXX was already completed on XXXX/XXXX/XXXX. 
This reversals and misposting of my payments have been going on and reported way back around XXXX of XXXX and to this date are never corrected satisfactorily. I have spent countless hours and could not take my XXXX tax to accountant to amend due to inaccuracies. I am to a point of emotional breakdown everytime I deal/talk to Wells Fargo since that time in XXXX XXXX of which my mother was XXXX.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. These transactions do not relate to me as the consumer block and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (MN)

I went to the urgent care for a possible hernia. The event occured at work but the billing did not process it through worker compensation. 

I went to XXXX permanente office in XXXX to resolve the issue and submitted the proper paperwork in person where I was assured the issue was resolved. 

A balance still appeared on my account when I inquired with billing team they assured me again the issue has been resolved. I did not receive any bills for this balance until I switched insurances and moved to a different state. When billing approached me about the balance I explained to them that the balance was in error and I was assured by their representative that the balance was in error. They did not take any action to resolve this issue. 

They passed this balance onto a debt collection agency without any communication.
Consumer complaint received 2023-04-20
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

I applied for a credit card with my bank, set up auto-pay, and consistently paid for the card I applied for. However, I noticed my accounts were being deducted twice for an unauthorized credit card. Despite bringing it to the bank 's attention, they didn't clarify the issue, and I stopped payments for the unauthorized card. I reported the problem to credit bureaus, but the bank refused to remove the account, resulting in a delinquent charge-off, negatively impacting my credit.
Consumer complaint received 2022-11-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

XXXX XXXX wrote off a fraudulent debt for a XXXX XXXX XXXX due to a non existing account of approx {$27000.00}. I did not have a contract with XXXX XXXX. XXXX XXXX tried to produce a contract which did not have my signature nor theirs. A contract is a signed agreement by 2 parties. XXXX XXXX wrote off the fraudulent debt in the approx {$27000.00} and Resurgent Capital Services purchased this fraudulent debt. I did not have a contract with XXXX XXXX nor do I have a contract with Resurgent Capital Services. Resurgent is holding the title to my vehicle. I want my title from them. XXXX XXXX nor Resurgent capital can produce a valid or signed contract from me. They are causing me harm and anguish. I want my clear title to my XXXX XXXXXXXX XXXX sent to me immediately and/or a release of lien letter over-nighted and/or emailed to me.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

My Mom, died XX/XX/XXXX, XXXX as executor of her will i made repeated attempts to gain access to her relevant banking information in order to promptly and properly execute my duties. 
to this date i have been unable to gain proper access to settle affairs DESPITE remittance of all requested documentation.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (OH)

Was hospitalized for a couple months due to XXXX complications. Contacted the company and was assured they would work with me and my account would not be reported late. They reported my account 30 days past due. I contacted them and explained the situation again, and informed them I was keeping my end of the arrangement and had made the agreed payment, and they refused to remove or correct the late payment on my credit report that I was told would not be reported in the first place. I asked for a resolution to remove the late payment report and they refused to work with me.
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX have all violated my rights .

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

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

My federal student loans were transferred from XXXX XXXX to MOHELA. When this happened, my loan repayment plan was changed from income-driven to a higher cost level plan. 

I provided MOHELA with documentation confirming my income driven status with XXXX XXXX but MOHELA refuses to update my repayment plan status to reflect the correct repayment plan. 

Ultimately, MOHELA changed the terms of my loan repayment plan without my consent or knowledge when the loans were transferred to them.
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

On XX/XX/18 I contacted Tower Loan in XXXX XXXX, MO to request approval for insurance that I opted in for when I originated my loan, in case unemployment occurs during the life of my loan repayment. The Branch Manager assured me that she would send out the paperwork and if approved I wouldn't have to make a payment on my account for 3 months if my unemployment continues. On XX/XX/XXXX, at XXXX a representative from Tower Loan contacted me and informed me that he was calling about my past due amount. I informed him that I was waiting for the paperwork that was supposed to be mailed to me and if I didn't receive it by the next day, that I would contact them. I reminded the representative that I'm unemployed and can't make a payment. Five minutes later the representative called me back and informed me that he needed to discuss my past due amount and making a payment. At that point, I stated, " I'm confused why you're asking me about making a payment if I have insurance that will pay my monthly payment. '' I then informed the representative to only correspond with me thru mail and email because I feel that I'm being harassed. He then told me he wanted me to talk to the branch manager. The branch manager got on the phone and immediately started talking to me in a hostile and abusive tone. I informed her that I didn't want her company to call me due to me feeling harassed and disrespected by her and the representative. She told me that she had a right to call me and could, and would continue to call me as much as they wanted even if I told them I didn't want to be called. I informed her that as a customer, I have the right to ask for further correspondence to occur thru the mail or via email. She told me she didn't know where I was getting my information from, but that she would continue to call me. I've contacted the area manager, but I'm still being harassed by this company.
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (FL)

Exeter Finance LLC forged my signature on the Truth in Lending Disclosures. I received in the mail. My name is XXXX XXXX XXXX. 

I never signed or agreed to nothing on the Truth in Lending Disclosures. 

XX/XX/XXXX  I requested the TILA information in person with the Finance Manager. 

Now Exeter Finance LLC has forged a signature of XXXX XXXX and I never saw this contract about TILA. 

I always sign any documents with my government issued ID name XXXX XXXX XXXX.
Consumer complaint received 2023-11-14
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (OR)

On XX/XX/XXXX I received a letter from TD Retail Services dated XX/XX/XXXX telling me that " A potentially suspicious transaction has been detected on your XXXX  XXXX account and we need to confirm that you authorized all the charges ''. 
I did not open this account or have any prior knowledge of this account opened in my name. 
The next day I received a congratulation letter from XXXX XXXX XXXX with a credit limit of {$20000.00} and the account number. 
I called both companies and reported this as fraud. I was routed to a private home when I called TD Retail Card Services ( baby crying in the background and dogs barking ) The customer service I received from this person was unprofessional and rude. This only heightened my stress about this entire ordeal. 
I filed a case with TD Retail Card Services. Case number XXXX
Consumer complaint received 2023-07-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MA)

Dispute letter was sent to Equifax via postal mail on XX/XX/XXXX, I have yet to hear any acknowledgement or results.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I HAVE A LETTER FROM AFFIRM STATING LOAN WAS REPAID IN FULL, THE LOAN WAS IN DISPUTE WITH XXXX XXXX, THIS TOOK QUITE SOME TIME, AS I KEPT IN CONTACT WITH THE CREDITOR OF WHAT WAS GOING ON, I HAVE LETTER TO UP LOAD FROM XXXX IT IS THE 3 CREDIT REPORTING AGENCIES THAT CONTUNIALLY MESS UP MY CREDIT SCORE NOT UPDATING INFO, WRONG INFO, DEROGOTORY INFO, OR NOT EVEN LOOKING AT A DISPUTE CASE. NO LATE PAYS PAID IN FUL LOAN
Consumer complaint received 2023-04-20
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. (AR)

I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : 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 XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Bankruptcy : Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$280.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I went to temporarily unlock my credit report and then relock it and these thieves automatically, without my consent, signed me up for some paid service I have no interest in and do not want. When I went back into my account to unsubscribe to this service and relock my account, it now tells me it's a paid service, but there's a " freeze '' option. When I went to do that, it made me have to create a whole new account. When I tried doing that, now it tells me it can't verify my info. IT WAS ALL THE SAME CORRECT INFO! Then it tells me to call a number, and the number brings you to foreign outsources script reader who keeps cutting in and out and is difficult to understand. They've purposely changed everything so you don't know what's free and what they're charging a subscription for and keep transferring you to new accounts. I DON'T WANT ANY SUBSCRIPTION SERVICES! I JUST WANT TO FREEZE OR LOCK, OR WHATEVER MY REPORT! PERIOD! I DON'T TO BE SOLD ANYTHING AND TRICKED INTO SIGNING UP FOR THINGS BY THESE SLEAZEBAGS
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

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 Accounts : XXXX XXXX, Synchrony Bank, and XXXX XXXX XXXX  15 USC 1681 USC section 602 states I have the right to privacy 15 USC 1681, Section 604 a, states that a consumer reporting agency can not furnish an account without written instructions. With all these laws in place for the consumer, they still violate them every day. Enough is enough!
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$17000.00}
Consumer complaint received 2023-11-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (GA)

Online money transfer request made with Ally Bank to remove {$48000.00} from XXXX XXXXXXXX XXXX XXXX account into my new Ally Bank Savings account. The withdrawal took place on XX/XX/2023 and per the email received by Ally, the transfer was complete on XX/XX/2023 Another email was sent by Ally the same day advising that the transfer did not complete and we were to reach out to the " other financial institution '' to request the funds be returned and this action would re-deposit the funds back into the original account. 

After contacting XXXX XXXX XXXXXXXX to request the funds be returned, they advised that they could not complete this process and then advised me to have Ally " reject '' the funds so the funds could be returned back to them. Reached back out to Ally and I was told by them that XXXX XXXX XXXXXXXX needs to " dispute '' the transfer. Called XXXX XXXX XXXXXXXX again to let them know that Ally is saying that they need to " dispute '' the transfer, XXXX XXXX XXXXXXXX said once again that this will not return the funds back to them and that Ally needs to reject the funds It seems neither of these banks are willing to help and I'm supposed to be okay with {$48000.00} just hanging out there in limbo and not being returned to me
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (FL)

In the month of XX/XX/2022, 6 collections accounts were set up in my name ( XXXX XXXX ) estimating {$10000.00} in damages. Caine & Weiner is the agency causing this.