davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (OK)

I had an old debt of XXXX dollars with Wells Fargo XXXX XXXX XXXX # # # # # # # XXXX I called them to resolve this issue & they offered me XXXX payments @ {$560.00} per month to settle the account with a zero balance. I paid as agreed {$3300.00} ... wells fargo then went back on their word & reported incorrect information to the Credit Bureau I had been monitoring my credit report each month & they were reporting as paid as agreed each month. After I paid the said amount of {$3300.00} the went back and reported as CO= charge off not paid with XXXX balance ... I called XXXX on XX/XX/XXXX@XXXX talked to XXXX. explained as it reads above. I was told they would research phone conversations & return my call within 48 hrs. That did not happen. I called them back on XXXX @ XXXX I was told they were still researching info. No call was returned from wells fargo to me during this time frame. I called them back on XX/XX/XXXX @ XXXXXXXX XXXX   asked to speak with a supervisor spoke with XXXX XXXX & was told they were still looking for phone data @ that point I asked to speak to his supervisor spoke with XXXX. was told same thing still researching for phone data, went to next level of supervisor XXXX XXXX on XX/XX/XXXX XXXX was told again they were still trying to find phone data. called her supervisor XXXX XXXX & still getting the deception run around excess as to they are having trouble getting data. 
My complaint is based off of Wells Fargo is the one who offered me the reduced rate ... with a zero balance paid in full. Now they are incorrect reporting on my credit report & are using the excess of phone data no to report to credit reporting services .Wells Fargo deceptive business practice has cost me to miss closing date on home for my family .... Thank you Wells Fargo case # XXXX
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NJ)

I believe Cross Country Mortgage is misappropriating funds from my escrow account. They have charged me for an additional tax payment that has gone unrecorded by the town tax department. The escrow analysis in addition to the already paid taxes projects the fund to pay out taxes XXXX times this year with an overage of roughly {$1300.00} unaccounted for. My phone call with a company representative on XXXX confirms these facts and that the error is on their end. However, despite numerous calls and emails citing the following information, they remain unresponsive. 

The actual payments and projections of taxes to be paid this year are as follows : Payment Dates and Sum of Taxes Paid in 2023 XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX XXXX  ) XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) XXXX {$1200.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) The sum of these tax payments, already paid in XXXX installments, for this current year is {$5400.00}. This is roughly equal to the projections stated by the XXXX XXXX  XXXX XXXX XXXX for the yearly taxes from last year ( See : XXXX XXXX XXXX XXXX '' ). 

According to the Escrow Analysis provided by Cross Country Mortgage on XXXX an additional payment of {$1400.00} is planned for XXXX of this year. Once this is paid, the sum of taxes paid out of escrow from this account will total XXXX tax payments this year equal to {$6800.00}. 

Compared to last year 's tax schedule this will result in XXXX additional tax payment ( bringing the total to XXXX payments ) as well as an excess of funds paid out estimated at {$1300.00}. The excess of funds is currently unaccounted for as this sum has not been recorded by the XXXX XXXX XXXX XXXX as indicated by the public tax record for the property ( See : XXXX XXXX XXXX XXXX '' ). 

I've reached out via numerous emails sent to XXXX on the following dates : XXXX XXXX XXXX XXXX XXXX I've also called regarding this matter on the following dates : XXXX XXXX XXXX XXXX XXXX This issue came to my attention when Cross Country Mortgage increased my monthly escrow payments thereby effectively increasing my monthly mortgage payments. They intend for the additional payments to make up for the unaccounted funds they appear to have misallocated. 

I welcome your assistance in finding resolution to this matter.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (IL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my consumer report I noticed incorrect personal information and unauthorized inquiries. the incorrect information and unauthorized inquiries will be listed below. I also attached my FTC report along with my identification. 
incorrect personal information Name XXXX XXXX correct name XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

Throughout my time of being a personal and business Wells Fargo customer. I dont have exact dates or times but I can recall being hit with insufficient funds fees 5 times a year with a ten year span. If my account goes negative Im in the wrong but the thing that gets me is that I would put the money in my account before the next business day and call customer service and they would tell me Im in the clear, then Id get hit with {$35.00} insufficient funds fees. I feel like Ive been legally robbed bc they say the funds will be reversed and it never happens. Idk if they do that because of minority small business or what but enough became enough. I switched to XXXXXXXX XXXX  and not once have dealt with such foolishness.
Consumer complaint received 2022-11-26
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-22
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (MS)

I am a victim of identity theft. My car was stolen and my personal information was inside it. My id was used to get loans and credit. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute process was not done correctly per the FCRA. The paperwork is not being attached to the dispute and I am not getting copies of the verification process.
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This information is incorrect and does not belong to me, I do not want it in my report. 
XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
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. (TX)

I have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both XXXX, Experian, and XXXX for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (NY)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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. (CA)

I have already submitted disputes regarding this issue and got no action. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

All roads lead to the https : //www.annualcreditreport.com. When I went to the site I entered all the information, and it rejected my request and told me to use the Mail Request Form. Unfortunately, I can not find the Mail Request Form, so I am effectively blocked from requesting my " free '' annual credit report. Since Oregon XXXX has been hacked and apparently anybody with a driver 's license has had all information stolen, I need to check my credit reports.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX did a hard inquiry on my consumer credit and in XX/XX/XXXX. Hard inquiries is only for 2 years they added 3 years for removal. This is causing financial issues for me with other business financial companies. They have been inaccurately reporting this on my credit report for over 8 months. This hard inquiry needs to be removed from my consumer report. 

Inquiry date : XX/XX/XXXX - Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXXXXXX
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2022 a check was deposited at Bank of America for {$18000.00}. The check was taken by the ATM and I was assured a deposit correction letter would be mailed that a Bank of America branch could use to re-deposit the funds. No letter came after contacting customer service over five times and when I asked to talk with someone who could answer my questions, customer service refused. I pleaded with them to at least resend the letter which also never arrived. This caused me to email XXXX about my situation. The executive team at Bank of America followed up with me XX/XX/XXXX. 

A claim was started XX/XX/XXXX by a member of the Bank of America executive team to try and deposit the funds from XX/XX/XXXX. I was told I would be contacted if there was an issue and would be able to see documentation about the claim. That half the funds would be available by Tuesday, XX/XX/XXXX. My claim was denied with no documentation as to why or what to do. A new claim will be started XX/XX/XXXX. I will be calling the existing claims department to find out why my claim was refused in the first place but it should not have taken a month to figure this out. I should have had the funds made available sometime in XXXX. I should have received documentation about the funds in the first place and should not have had to go through hoops to find someone who could help me.
Consumer complaint received 2022-10-21
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. (CA)

This is my NUMEROUS 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX  XXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

i paid my bill XXXX two days later my bill was sent back charged an NSF and an Overdraft fee. Funds were available but 2 days later it was overdrafted due to WF submitting for the service fee of XXXX XXXX. Also during the pandemic i was receiving a stimulus monthly. WF decide they were going to credit me the amount to pay a fee but 6 months later charge me for the amount that as credited which ended up in my account being over drafted and needing to close it. i was put in a financial hardship due to the bank misusung my funds.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (IN)

I received a letter from the FTC regarding a pending lawsuit between them and Ameritech Financial. I tried contacting Ameritech directly but was unsuccessful. I have been making monthly payments to them for almost two years! I am very confused on what steps need to be taken.
Consumer complaint received 2022-11-26
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: NAVY FEDERAL CREDIT UNION (TX)

I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected.There is no such law that States anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently pulled my credit report and noticed that you are reporting against the FCRA standards. How can Ipossibly owe two balances from two companies for one account? Please explain to me how I owe this debt to two people? It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts.You have been reporting this error on my account damaging my credit. 

Please delete BOTH of these accounts from my credit report immediately. I would like to resolve this before I consult with my attorneys to pursue legal action. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NM)

It's pretty much been the entire time that I have been with Wells Fargo. There's always these weird little charges. All these outrageous overdraft fees when people live paycheck to paycheck. It's hard to keep money in the bank all the time.