davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo closed my XXXX XXXX card without reaching out to me first to see if I still needed the credit line. Had to find out from a credit bureau report vs. Wells Fargo reaching out to me. No wonder they are always in trouble with government agencies.
Consumer complaint received 2023-05-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (FL)

A few weeks after I bought my home I was diagnosed with XXXX and had to face XXXX that removed XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I was forced to take several weeks off of work and I began struggling to make my mortgage payment. Now my lender Cross Country Mortgage is telling me that they are going to foreclose on my house unless I pay the full past due amount of {$14000.00}. I bought my house with an FHA loan and put {$170000.00} down towards the deal and have a lot of equity. This situation was out of my control and I can't believe that they are aggressively pushing to foreclose when the temporary hardship has ended and they have not reviewed my financial information or my ability to pay, they are just trying to close the door. I want to file a formal complaint against Cross Country Mortgage because they are not offering homeowner assistance options that are required for FHA mortgage servicers such as loan modification, special forbearance, partial claim or repayment plan. 

When I bought my home in XX/XX/XXXX I had a good paying job and anticipated no problem making the mortgage payments. One week after closing my doctor told me that I had XXXX under and inside my lip. I had to go into XXXX and they removed 80 % of my lip as well as XXXX XXXX  XXXX  and was recovering for over a month and was not able to work. I could only work part time over the next few months and had to sell my motorcycle and cash in my XXXX so I could keep up with the payments. However in XX/XX/XXXX I was diagnosed with XXXX in my ear and again had to take time off of work. I was very sick and out of it and after more time out I ended up losing my job which led to me being unable to make my mortgage payment. 

At the beginning of XXXX I was in remission and back to work and attempted to make my mortgage payment and the Cross Country agents told me they would not accept the payment and that I needed to apply for homeowner assistance options. I have put together the paperwork three different times and submitted it to Cross County but I never am able to make progress. They have never reviewed my financial circumstances, my ability to pay, my hardship or provided any type of relief. I have the ability to pay and want to pay my mortgage, I just bought my home and put a very large down payment on the house. However, XXXX upended my life and put me through a very difficult time and I am grateful that the worst is behind me. I can't believe that Cross Country would close the door and deny me the opportunity to be considered for FHA homeowner assistance options such as loan modification, special forbearance, partial claim or repayment plan. My family 's financial circumstances have changed and improved and I am in a much better place and the hardship has been resolved. I just do not have the necessary funds to pay the full past due balance in one lump sum and need them to work with me on a plan to resolve.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus are reporting my credit score as a XXXX. I have paid all outstanding items on my credit report as of XX/XX/2022. Instead of my score increasing to accurately report the fully paid debts, my score was dropped from around XXXX to a XXXX. Per the credit bureaus, my score can not go below a XXXX. I did not have extensive debt reporting, repossessions, bankruptcies, liens or foreclosures. When I called the agencies requesting immediate remediation, I was advised that there was nothing that could be done, but, a supervisor would return my call and my complaint would be escalated. I have received no response to date. This score is incorrect/inaccurate and has caused personal harm and hardship. The agencys are also reporting this to parties requesting credit worthiness information causing declined credit applications, denied rental applications etc. 
This is illegal and in violation of FCRA.
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

Received far more than 7 phone calls within a 7 day period. Woke up this morning to 4 calls back to back ( by the second! ) that rang for about 1 second and then ended. This was at XXXX they knew they couldnt legally call just 5 mins earlier and didnt waste any time once it hit XXXX. The repeated calls happened again while I was at work this afternoon. I can prove that they have contacted more than 7 times in 7 days with my phone log. It was over 8 times today alone.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Trans Union is falsely reporting information on 2 student loan accounts that have been dismissed via a class action law suit against the XXXX XXXX XXXX XXXX XXXX which was recently won by Plaintiffs.
Consumer complaint received 2022-12-20
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

It has been over a decade since I have used welllsfargo as my bank. For years, I went into their branches complaining that there was something wrong with the banking systems. Information online never matched what was read at the atm, reviewed in the branch by associates, information over the phone and online info. The amounts were always different and somehow wellsfargo was able to find a way to charge me hundreds of dollars by using this mismatched information against me. My account was constantly overdrawn and I had hundreds of dollars in overdraft fees. Since switching banks, I no longer have these issues.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX an amount of {$1300.00} and on XXXX and amount of {$1300.00} were deducted and transferred from my DEBIT account to XXXX accounts whom I have never sent money to before nor do I know who these people are. I had initially filed a claim with my bank but nothing had happened they said it was a lost case due to it being under XXXX. I had left the country and now I'm back and I still need to get these funds back. I thought this issue would be resolved. I have no idea how these funds were transferred to these people I tried contacting them but nobody answered me. I hope it wasn't a link I pressed or anything because I had never lost my phone or gave anyone my phone to use so I have no words to how this could have happened. 

The XXXX  transfer confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-18
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. (OH)

I have submitted a dispute with Experian to correct the address information. It is not # XXXX, It is XXXX XXXX on the same line as street name.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX. XXXX  XXXX  || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I opened a Wells Fargo Teen Checking account at XXXX with my mother listed as co-owner ( link to account description via XXXX machine https : XXXX : XXXX  ). Wells Fargo then transitioned my account to a XXXX XXXX XXXX  account on XX/XX/XXXX. Recently, I noticed that they have been charging me a $ XXXX maintenance fee ( for the last XXXX months ), when if I was the primary, as they should have initially set up the account in XXXX, I would've been eligible for the fee waiver and not have to pay a monthly maintenance fee ( XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (IL)

About six weeks ago, opened new American Express XXXX XXXX card account, XXXX. Promotion was XXXX XXXX points after {$3000.00} spending in first 90 days. Checked -- ca n't recall if phone call or message -- to make sure I was eligible for the bonus. Was told that I was. Met the spending threshhold. Asked today when points would post, was told that I was not eligible, contrary to what I was told earlier. Unfortunately, I did not save any record of the conversation because I was traveling at the time. I would think American Express has a record. Nonetheless, they are refusing to honor the promotion. They got the benefit of my spending and now are refusing to provide the promised promo. Wish I had their answer to my question about eligibility in writing but unfortunately, I do not, and I realize that may let them get away with this scam. But thought I would file formal complaint anyway, since it 's likely others are caught in same deception. Very disappointing for a company like American Express, which I used to hold in high regard.
Consumer complaint received 2017-04-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (WI)

My wife and I experienced difficulties with Citibank, after they bought my Best Buy credit card debt from XXXX. ( My wife use to be able to take care of the payments, while I XXXX, 6-8 weeks out from home ). Together, we were never able to reestablish online transactions, due to a change of her being authorized to represent me, once the website changed, and Citibank took over. Later, the monthly payments began to fall behind, after I had a major breakdown, of my XXXX, and it went into the shop. I tried to establish contact by phone, but their automated phone service would never allow me to talk to a live person. Citibank claims to have called us and never left contact information to identify themselves in XXXX. ( We use an answering machine to screen telemarketers, scams, etc, but we noticed a common tactic of bill collectors is they hang up without leaving a message. ) Apparantly, Citibank lost previous credentials when they bought the debt from XXXX within the prior 12 to 18 months, yet neither company verifed we knew of this debt transfer, and changed the debt amount without our awareness of underwritten terms of agreement, not to mention they changed their email address & discontinued my login credentials without my knowledge ( regardless, fine print that is difficult to read, should not be ethical in the first place ), then a few weeks ago, ( after I had become aware of all this ), I called CitiBank on XXXX, ( to give my cell number and attempt payoff of the entire balance by offering a {$1000.00} a week every consecutive week ), they said the debt is under review, and was scheduled to be sold on XXXX, to another debt collector. I said I was a XXXX Veteran of the XXXX, whose family has been in financial distress since my return home from XXXX in XXXX, but I 'm finally back to work as a XXXX, and I can get this debt paid in full within less than 4-6 weeks. I was under the impression they would contact me on XXXX XXXX, after I XXXX overnight a {$1000.00} check, but they sold the debt on XXXX, in spite of my efforts to stop the sale, and kept the {$1000.00} act of good faith payment, after it cleared the bnk on XXXX. They took the money on XXXX, after they said they would contact me on XXXX. I found out, after I called them back, on XXXX.
Consumer complaint received 2022-12-20
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)

Hello, my name is XXXX XXXX, and I am writing to delete the following inaccurate and incomplete information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a Federal Trade Commission Identity Theft Report detailing the incident. I have been working with police and I have hired a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be deleted from my credit file immediately.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law bec
ause I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, my name is XXXX XXXX, and I am writing to delete the following inaccurate and incomplete information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a Federal Trade Commission Identity Theft Report detailing the incident. I have been working with police and I have hired a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be deleted from my credit file immediately. 
Based on, XXXX5 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
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: EQUIFAX, INC. (MN)

XXXX XXXX Equifax I did not dispute this account it needs to be places back on the report! 

XXXX XXXX  These XXXX you are reporting as illegal XXXX has been re-aged Thank you verry much REMOVE XXXX PUT XXXX BACK PLEASE AND I THANK YOU
Consumer complaint received 2017-04-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Hello Approximately 2 weeks ago I had noticed a change on my credit report Springleaf Financial ( Now OneMain ) had deleted the current loan I am paying on from both my XXXX and XXXX Reports. So I called Springleaf ( Onemain ) AND Spoke To XXXX in their Credit Reporting Department ( XXXX ) I asked her the reason for the deletion her response was since I am paying my loan back via a Attorney That OneMain is not required to report on the individuals Credit Reports it 's according to OneMain Polices. I did n't know this was aloud do to the Fair Credit Reporting Act. I was never informed of this policy. Late last year Springleaf Financial Changed names to OneMain again without informing myself. I had previous loans that are paid and over 7 years old that can be removed from my reports. XXXX informed me that if I want to remove or dispute items on my reports that I need to call her directly instead of thru the dispute process on XXXX or XXXX can she make that kind of statement?
Consumer complaint received 2023-05-24
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX