davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XXXX I have two fraudulent charges made to my checking account these charges were made via XXXX XXXX online payment to a XXXXXXXX XXXX XXXXXXXX, The Charges were for {$1500.00} and {$1100.00}. I reported the fraud on the morning of XXXX as soon as I woke up and saw the charges. My bank Wells Fargo said they would investigate and that I would not have access to my funds until they completed their investigation. On XXXX there were XXXX more fraudulent charges to my account one was XXXX BANK TRANSFER XXXX in the amount of {$7900.00} and another was XXXXXXXX XXXX XXXX Payment XXXX XXXX in the amount of {$330.00}. These new charges over-drafted my account by over {$5500.00} dollars. Additionally {$830.00} was taken from my savings for overdraft protection to cover the new fraud. I called my bank ( Wells Fargo ) to report the new fraud and to question them as to why they did not take proper precautions to protect my account after I had just reported the fraud the day before. My bank just told me they would add the new charges to the fraud investigation and that I would have to wait for their investigation to clear before I could find out if I would get my funds reimbursed. I am now in a situation of having an overdrawn account from which I have automatic bill payments taken out of including utilities. I believe the bank was negligent in allowing my account to be overdrawn like this after reporting fraud the day before. I am left with no money and they are making me wait for an investigation to determine whether I get my funds. I am in trouble and the bank basically just told me I was out of luck. They offered no financial assistance for my hardship to to what I feel was gross negligence on the part of my bank.
Consumer complaint received 2021-05-27
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. (NE)

Note to Experian : You have my authorization to conduct an investigation into my complaint. 

My name is XXXX XXXX XXXX XXXX. I am submitting this complaint in good faith on behalf of myself and no other individual. 

THERE IS NO UNAUTHORIZED THIRD PARTY INVOLVED WITH THIS COMPLAINT Accounts showing erroneous reporting patterns and unverified within FCRA guidelines. 

XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX. On XX/XX/2021, Experian Information Solutions responded to my CFPB complaint with illogical, erroneous and incoherent account activity. I have attached a copy of such FCRA noncompliant account history to this CFPB complaint 2. On XX/XX/2021, I sent Experian Information Solutions a copy of such noncompliant FCRA reporting errors which I specifically pointed out the gaps in reporting activity or lack thereof. I also pointed out in clearly defined terms of the inability of Experian Information Solutions to provide me with clear proof that they have conducted a thorough investigation into the validity of these three accounts. Such documentation was received by Experian Information Solutions on XX/XX/2021. 
3. Experian Information Solutions responded to my dispute on XX/XX/2021 and by sending me virtually no changes to the reporting of these accounts nor did they follow FCRA guidelines and delete these accounts. 
4. I have attached proof of these reporting errors along with USPS receivable documentation. 

Experian Information Solutions has blatantly disregarded FCRA law multiple times by continuing to report these damaging and erroneous payment activity ; such that is ruining my credibility and ability to attain financial products. Please urge them to follow the law and delete these items from my credit profile.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MI)

I found out the debt isn't mine and that XXXX XXXX admitted they made a mistake and that I wasn't on the lease as a renter I was listed as an occupant along with my XXXX daughter. I reached out to pro collect in regard to my debt the week of XX/XX/2023 they told me that if I get a written letter from the debtor ( XXXX XXXXXXXX XXXX XXXX that they will remove debt from me. I submitted the letter that XXXX XXXX provided and signed to pro collect via fax later that week around XX/XX/2023. They then informed me that they would need to speak with XXXX XXXX. After calling Pro collect they informed me that the debt is still owed even after XXXX XXXX forwarded me emails where she clearly provided the lease agreement and the letter showing and stating that I XXXX XXXX was not on the lease and did not have any signatures proofing the debt isn't mine. They just keep telling me this is all they can do. Last communication was XX/XX/2023. I just wonder how many other people this company is trying to force incorrect debt on.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

I applied for a refinance mortgage loan with XXXX  XXXX on or about XX/XX/2021, and I was pre-qualified for a refinance with a XXXX interest rate. After XXXX weeks into the process and providing all information to them, XXXX  was suddenly bought out by Guaranteed Rate, Inc. on or about XX/XX/2021. A representative from Guaranteed Rate told me they would honor the application and interest rate. They also told me that since the process was close to the end with XXXX, they would only need to verify some information and would close within weeks. They made excuses for XXXX months, telling me the loan would close shortly. However, it has not closed still. On XX/XX/2021, for the first time ever, the loan representative told me my loan would not be approved because my debt-to-income ratio is 88 %. None of my financial information or situation changed and this is the first time this was raised. And, the debt-to-income calculation is wrong. I am only responsible for 50 % of the loans on the rental properties I have. Guaranteed Rate is not showing me their calculation and not explaining why they are assigning 100 % of the rental property mortgages only to me. Additionally, they are not explaining why it took them XXXX months t raise this NEW issue, which appears to be an excuse. 
I suspect the delay and excuses have been fabricated to avoid closing on a loan they took over from XXXX XXXX. I can imagine regulators required Guaranteed to honor the pending loan applications and not to delay and drop customers.
Consumer complaint received 2021-05-27
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: DISCOVER BANK (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-27
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-08-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select Portfolio Servicing, Inc. ( SPS ) Sent another " Annual Escrow Analysis '' after having previously informed us that our new payment amount would be {$1900.00}. 
XXXX XXXX on the analysis indicates that our new payment amount would be {$2000.00}, however on the coupon for sending in an advance escrow payment it indicates that our payment amount will increase by {$6.00}. 
SPS has used figures under " current payment '' that represent our payment prior to the " Annual Escrow Analysis '' that was received dated XX/XX/XXXX. 
We question why SPS is allowed to send another " Annual Escrow Analysis '', in a matter of weeks, and given the above discrepancy we have little faith that SPS is handling the escrow account properly. 
In addition, the latest analysis was dated XX/XX/XXXX, to be effective XX/XX/XXXX. 
As normal, since the XXXX HAMP modification, we have paid the mortgage on the first business day of the month, hence the XXXX payment was made on XX/XX/XXXX.
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s )
Consumer complaint received 2023-08-17
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: Caliber Home Loans, Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-05-27
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. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Alum Financial, LLC (NJ)

To whom is may concern I was scammed through this company called Alum Financial they contacted me via email and phone stated they are a 3rd party company through the department of education they were telling me information that I would be eligible for a loan forgiveness program well long story short after speaking with this company, I received several emails from my service lender Federal Student Aid stating that i have suspicious activity on my student loan account. That my FED ID and password was changed without my consent. I called them immediately what happened they stated that this said company is not associated with the Department of Education that its a 3rd party company that trying to steal my money. I have been seeing it all over the internet with these companies. So i called Alum Financial telling them that I want to cancel all services with you they demanded money upfront for there services they rendered I stated what service did you render instead of misleading information. They have been harassing me nonstop threatening me that they will ruin my credit and garnish my wages if I dont pay them. I called XXXX XXXX services I asked them again why am i paying this company the lady on the phone stated that I Pay fed loan not them my loan is through them not this company XXXX XXXX stated that these companies have been reaching out to people to file paper work to get them In these programs but you can do this for free through there website. The money I would have been paying these people will not be going to my student loans that they take my money for there such business. I have proof of every person I have spoken to from all parties case numbers emails phone calls ECT. So I asked fed loan what to do they stated to reach out to file a complaint change all my banking info that they may have to take money. Also when you look up them on XXXX  they have all terrible review how there fraud and also states the site may be hacked.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo " acknowledges '' a " problem with credit card transitions ''. I paid off the balance of card, it did not register, rather what appeared is a different charge/balance that does not correlate with any charges made. Balance on card was XXXX. That balance was paid on XX/XX/16, but did not show up. I could not track this payment, so I paid the new balance, now XXXX. 
This is fraud. They need to pay back the money
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2021, Wells Fargo ( refunded ) me XXXX XXXX, That was originally sent to XXXX XXXX XXXX Via wire-transfer. The receiver did not accept Wires, so I then used that money and sent only XXXX XXXX ( back ) to XXXX XXXX XXXX via Online-transfer which they did accept, however Wells Fargo FORGOT about it and never sent it, yet processed it in my account as they did, and it was removed from my balance, and still is. I called them to locate it and they apologized and said it would be sent tomorrow but I no longer trust that they are being honest. 

I then forwarded another wire of XXXX XXXX, from XXXX XXXX XXXX to Wells Fargo today at XXXX XXXX and they claimed that it was never delivered yet it is posted on the XXXX XXXX XXXX account as sent and received. 


Please help me locate the money they keep forgetting about.
Consumer complaint received 2021-05-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am very disappointed with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. Please help!
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I just notice that I have not received a response from XXXX, XXXX or Equifax for a letter I sent on XX/XX/2021. The letter was informing them of the inaccuracies on my consumer report and there are way too many. The consumer reports should be 100 % accurate and they must respond to me with a 30 day time frame and its been over 30 days.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I have made several attempts to protect my identity but there is someone using my information to open lines of credit and loans. There is a new account in my name called XXXX XXXX XXXX which states i owe {$600.00}, their contact information is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I never opened this account, i do not have in my possession this credit card, i did not authorize for it to be opened at all.
Consumer complaint received 2023-07-16
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. (CA)

XXXX XXXX collection account should be deleted from all three of my credit reports. The company has requested deletion from all 3 credit reports yet it is still on my reports. I expect that this collection account account be deleted from all 3 credit reports as asp.
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit & Collection, Inc. (IL)

I have gotten several calls from visible and unknown numbers claiming to have an urgent and important message from Nationwide Credit and Collections. They demand I call XXXX. I receive multiple calls a month from this collector and do not have any outstanding debts that I can think of. I have attempted to call back and they will not move forward with removing my information unless I " confirm '' specific personal information I do not feel comfortable revealing. I have attempted to send an email requesting my phone number be removed but received no response.
Consumer complaint received 2023-05-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (CO)

Wakefield & Associates has attempted to collect a medical debt on behalf of XXXX. 
Wakefield & Associates did not do their due diligence in finding my residence to submit their debt verification to me, or attempt to collect the debt. The address they sent debt collection correspondence to was a residence not occupied by me or anyone from my family for over 4 years prior to the debt incurred. I have public records showing clearly my current address, and this address was indeed used by Wakefield & Associates to serve me Court Summons paperwork. 
Wakefield & Associates also encouraged me on the phone to not file an Answer in response to the Court Summons and instead pay them directly using their online portal. They indicated going through the Court would likely end up in additional fees incurred by me and added to my debt balance, and lengthen the process. 
Furthermore, Wakefield & Associates is adding interest and collection fees, as well as court processing fees to my debt balance. Rule 2.03 on Colorado Fair Debt Collection law states you can not charge me costs of collection. The Colorado FDCPA prohibits the debt collector from collecting additional amounts beyond what the credit agreement expressly authorizes. AND, under the FDCPA, debt collectors cant attempt to collect interest or fees over the amount you owe, except in cases where the contract that created your debt or state law allows it. Wakefield has not presented any documentation to prove they are legally allowed to charge me interest & fees on my debt balance. There is no debt contract provided to substantiate they are legally permitted to charge me anything over the principal amount of the debt.
Consumer complaint received 2023-05-03
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. (CA)

My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX XXXX 1. I made my external transfer for my XXXX payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all 3 credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made
Consumer complaint received 2023-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,