davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I obtained my mortgage with previous lender back in XX/XX/XXXX. Since then, our mortgage had been transferred/sold between numerous lenders. In order to obtain the loan, we had to comply with ALL the requirements including open and maintain an Escrow Account and obtain the REQUIRED insurances. 

For the past 5 years, we never had any issue with our lenders until Wells Fargo purchased our mortgage account in XX/XX/XXXXInferno had began. 

On XX/XX/XXXX, I received a first notice from Well Fargo demanding an Additional Hazard Insurance which I promptly contacted the office to explain that might have been a mistake. The Notice stated that the Well Fargo was entitled to force-place comprehensive insurance and charges us for the cost of that insurance. After talking to 3 different Wells Fargo representative, I was told that representative XXXX would research and contact me back. 

On XX/XX/XXXX, I received a second and final notice from Wells Fargo stating that a comprehensive wind insurance was required under Wells Fargo mortgage, considering that as a mortgagee consumer, we have no say as to the transfer of mortgage between lenders/financial institutions. 

On XX/XX/XXXX, I send a Qualified Written Request regarding the unreasonable request and demand for action. 

In XX/XX/XXXX, I received a statement of our escrow account showing an increase of {$9100.00} charge for the harzard insurance. Our mortgage raised from {$1300.00} to {$2600.00} or as a second option {$1900.00}. 

In addition, Wells Fargo sent a letter dated XX/XX/XXXX stating that it had issued an additional hazard insurance for the amount of {$6300.00}, but the statement send on XX/XX/XXXX shows an increase on the escrow account in the amount of {$9100.00}. 

Wells Fargo sent us a letter stating that they are entitled to force placed insurance based on existing contract. However, Wells Fargo failed to considered that ( 1 ) No insurance had been cancelled for our property since XX/XX/XXXX and ( 2 ) no insurance policy had failed to renew within the past 5 years. Thus, without the two situations above that trigger their right to force-placed insurance, Wells Fargo is not entitled to do so. In sum, Wells Fargo as a sucessor lender had NO reasonable basis to request, to demand, and to impose a collateral/additional insurance since we have met all the requirements to maintain required property insurances on out home. 

Finally, the transfer between lenders should not alter the mortgage conditions or its practice to the point that burdens the consumer mortgagee. Wells Fargo should be obligated to abide by previous terms and conditions and practice of the existing relationship between previous lenders and us. The mortgage loan transfer SHOULD NOT create a financial burden on uslike in this case in which defenselles our mortgage monthly payment almost double the amount of payment ( {$1300.00} to {$2600.00} or {$1900.00} ).
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX and I am a victim of identity theft due to the Equifax data breach of XXXX. You have removed 33 of the 38 fraudulent hard inquiries, but I still have 5 fraudulent hard inquiries left on my report that I would like to have removed please. These include the following : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax responded saying that the inquiries were deleted from my file, but they still remain on my file to this day. So they have lied to me several times already. Even though they're the reason my identity was stolen.. they refuse to help me in any way.
Consumer complaint received 2023-02-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I have sent XXXX letters to XXXX in the past couple months asking them to validate this debt. XXXX still haven't validated any of my requests for proof of the wet signature and original contract that belongs to this debt. This is in complete violation and want this removed from my credit.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (MO)

I had to report this evil organization summer of last year. It was resolved after a very diligent man from your office contacted them. The company had charged off the account and The lien was removed from my house. However, as of last month they have decided to start reporting late payments of 120 days again to credit bureaus. So it was removed and closed, now they have reopened it and it's starting all over again. Their most recent report cost my credit score to decrease XXXX  points. This charged off account is now up to 9 years old and still being reported as 120 days pd. Please help.
Consumer complaint received 2023-05-08
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: Southwest Recovery Services, Inc. (TX)

A collection account was added to my credit report XX/XX/2023 by Southwest Recovery Services. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. 

I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
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: Bread Financial Holdings, Inc. (ND)

There are inquiries on my report that I did not authorize and I am also not associated with. I have sent in letters to these companies and their responses were all the same, they stated that someone submitted something online with them and that whoever that person was authorized them. This is messing with my credit score bad and i would like help in having them removed. I never signed any paperwork saying that they were clear to run a credit check on me.
Consumer complaint received 2024-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I saw an ad for an apartment for rent and when I applied, I was approved within the next day. I was given a routing number and account number to send the deposit ( {$1300.00} ) but was refused to see the property. The scammer used an old lease agreement and his name was not in any of the documents. The name of the bank account I wired money to also did not match any of the names on the paperwork. This ad was posted on switchboard platform for my local college.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

I am currently in a major dispute for fraudulent charges between XXXX with Barclays Bank regarding my JetBlue XXXX XXXX. 

Despite a detailed discussion with a representative on XX/XX/XXXX ( when the fraudulent activity was first brought to my attention ) and assurances in line with Barclays ' {$0.00} Fraud Liability protection, I was dismayed to find all of these charges were taken off and then re-added to my account, totaling {$1800.00}. 

Barclays ' commitment, as stated on their website, assures customers that they are not responsible for unauthorized purchases reported to you, regardless of the card 's status. This assurance is a cornerstone of my trust in their services, and its breach is a matter of grave concern. 

I would like to highlight the following critical points for your immediate action : Questionable Investigation : I was informed that these transactions are being challenged because someone physically used my card 's chip. However, this does not align with the presence of the dozen or so XXXX charges on my statement, which are purely electronic. This inconsistency raises serious doubts about the thoroughness of their investigation, suggesting a lack of due diligence. 

Location Discrepancy : I work in XXXX XXXXXXXX XXXX  six days a week, making it impossible for me to be in the XXXX making purchases at XXXX  or any food places during the period of these fraudulent transactions. If anybody looked at my previous statements they would see I never have been in the XXXX and use my card sparingly. Barclays should have picked up on these fraudulent transactions sooner then a 10 day period. There are charges from XXXX of {$500.00} and {$200.00}. Why would I do that? I didn't!!!! 

Authorized Transactions : The XXXX XXXX charge on XX/XX/XXXX ( {$9.00} ) and the XXXX XXXX  on XX/XX/XXXX ( {$4.00} ) were the only transactions made by me. 

Disputed Amount : The remaining balance of {$1800.00} represents fraudulent activity, and under their zero liability policy, I should not be held responsible. 

Additional Evidence : I have already sent in my XXXX Account statements, and work schedule to corroborate that I couldn't of been in the XXXX during any of these purchases. 

Post-Compromise Charges : All purchases after receiving the new card on XX/XX/XXXX are legitimate and fully paid. 

The current situation not only contradicts Barclays ' stated policy but also reflects poorly on the rigor of the investigation into these fraudulent charges. I have spent atleast 5 hours on the phone disputing these transactions. I urge them to re-examine the evidence, considering my regular work location and the nature of the charges ( physical vs. electronic ), to correct this error. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I am currently in an active Chapter XXXX Bankruptcy and current both the plan payments and my mortgage. My homeowner insurance premium changed drastically ( for the better ) last year and my monthly escrow payment never changed. I never received my 2016 escrow analysis and have requested this several times ( as has my legal counsel ) from my servicer ( Nationstar Mortgage, LLC ) by phone. I am mailing them a letter to request this again and copying my bankruptcy attorney. What can I do? I know my escrow payment is much higher than it should be but I can not get the servicer to respond.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (IA)

On XX/XX/XXXX, I got instructions from roofing company to wire them {$6400.00}. I went to US bank branch and did so. 
After transaction, called the company and they told me it was fraud. Immediately, I came to branch and let them know. They called wiring department and let them know to not approve the transaction. The teller told me that, they were able to cancel it ( everything happened less than 10 minutes after transaction ). 
Afternoon around XXXX, I called wiring department to confirm as well, I was in line for a long time and finally a customer service answered and they told me money has gone. The customer service was rude and he hung up on me. 
Again I had to call again, be in the line for someone to respond, while time is essence. Finally someone helped me to file a swift back request for the receiving bank with no guarantee. 
US bank could stop this fraudulent wire, from the beginning that bank teller let them know within 10 minutes, from the wrong assurance that the transaction is stopped and then bad customer service representative who hung up on me, instead of acting fast. Very disappointed at US bank
Consumer complaint received 2023-12-23
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. (MO)

i have already disputed these items but the bureaus did not remove them, nor prove validation. 

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my right. 

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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2023 an application was submitted for the XXXX XXXX XXXX American Express Card and was denied. ( XXXX XXXX # XXXX ) Upon receipt of the denial letter I called the number to rebut the claim. However, the customer service agent only regurgitated what was on the denial letter, and when I asked to speak to the supervisor he regurgitated the same thing. They were unhelpful, difficult to understand, and rather discriminatory in their assumptions of my capacity to fulfill contractual obligations. 

I simply asked questions such as " What did American Express do with the original application I submitted if they are not going to release my credit? '' but the reps could not answer the question and ignored it. 
I asked, " Is American Express not under Truth in Lending? '' in which they only repeated that my credit score was too low. Any representative I've spoken to so far with American Express were clearly unsuited to answer my questions. 
I also requested to speak with an executive, the trustee of the account, or any authorized persons to dispute the claim but was rudely denied that request as well. 

Today on XX/XX/2023 I sent them a written response to their adverse action via registered mail informing them of the applicant 's right to credit and instructed any authorized person ( s ) to either conduct a second review of the application or to retract the security collateral entirely. 

The purpose of this complaint is to remain diligent as a consumer and hopefully get into contact with the proper executive department at American Express to establish a business relationship in good faith. 

Thank You, XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (LA)

Hello, I recently checked my XXXX XXXX  account and I have XXXX cards in my name that I did not apply for. A XXXX XXXX card, a discovery  card, and an XXXX card. Ive never received any of the cards but they all have a balance on them. The discovery card has been charged off at XXXX. I barely have enough money to pay my bills XXXX can not pay for something I did not use.
Consumer complaint received 2024-03-21
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. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

Violating the Equal Credit Opportunity Act and Consumer Credit Protection Act by discrimination due to good faith exercising my rights under the Consumer Credit Protection Act and withholding my access to my securities which constitute Securities Fraud! This is unlawful and unethical activity being carried out involving discrimination and securities fraud!
Consumer complaint received 2024-01-02
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. (TX)

I send a certified letter XXXX XXXX I ask the Bruere to investigate my account. it came back verified which by 15 US code 1681 sub chapter 3 says rules of construction whole an interview with family friends and people who know me. I need to know who they verified it with. Every thing has to be 100 %  accurate her is my credit report please delete this accounts XXXX us  Bankruptcy court case or ID # XXXX and XXXX XXXX XXXX ID # XXXX
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

In late summer XXXX, I called Bank of America to close a Visa Signature Premium Awards credit card ( ending in XXXX ). I paid my final balance in XXXX XXXX. The company did not close the card as requested and charged me a {$95.00} annual fee a few months later. As I was not expecting bills from this company and they were going electronically to an old email account, I did not see that I had a bill until a few months, when interest had accumulated and my credit report was negatively affected. I called Bank of America again and they told me that they had no record of the account closing and the account was still open. I paid the balance immediately to avoid further negative credit consequences and again asked to close the account.