davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

The mortgage for our Virginia home was obtained in the summer of XXXX with Wells Fargo. At that time, a contingency requirement of obtaining the mortgage was adding a home warrantee with XXXX XXXX XXXX. Years later we heard in the news about this unfair ( and illegal ) practice and that Wells Fargo was supposed to drop this requirement and compensate affected customers. After doing some research we learned Wells Fargo officially " discontinued '' this practice in XXXX. In XXXX and in XXXX, we called Wells Fargo to inquire about dropping the home warrantee and were told it was " not possible. '' We were also informed there would be a " penalty '' ( nonspecific ) if we were to allow the home warrantee coverage to lapse. We don't want to refinance the mortgage and spend XXXX  in more fees with another company in order to cease paying the annual home warrantee fee. Initially the home warrantee fee was {$600.00} per year but it has increased over time to {$750.00} per year. We've paid the fee each year to XXXX XXXX XXXX, in total around {$9200.00}.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-12
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. (NV)

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT.I 've proactively remembered this report from a past letter and I am including it oncemore. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NY)

There has been several occasions where the company has miss reported items, or failed to synchronize there systems and ensure that all payment reporting is the same in there system. I had a claim against them back in 2020 for a similar instance. They have reported my account late for XXXX. I have requested payoffs for my account and paid the payoff amount only for them to say I have a remaining balance. I spoke to 3 different representatives yesterday and none are certain why my account was showing I still owed XXXX. I am extremely furious, they have ruined my credit score with there incompetence not once but twice. My score dropped almost XXXX points because of them and I wish them to be punished by the largest scale. They are rude and the branch manager never wants to be bothered. She stated we could not get through to you so we could not discuss the XXXX. Meanwhile you have an address, email and phone number and none were utilized. Has to be the worst company out there and I would warn others to steer clear.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I placed an order for XXXX XXXX  at the end of XXXX that was never sent to me. I asked the seller for a refund in XXXX and was never sent the refund. I filed a dispute with USAA on XX/XX/XXXX and sent the appropriate evidence. 

I checked in multiple times with support and was even told that they had never even looked at it. They finally closed the dispute over a month later on XX/XX/XXXX after no communication and determined that the dispute was invalid.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc. (CA)

They called my XXXX  they made threats towards them basically trying to scam them asking for my dad social security. The representative is being XXXX, demanding and rude plus as well saying things that is making them unprofessional. 

I made a complaint about this same company of constant XXXX  calls made by them. Blowing my phone up XXXX time a day. When its gon na be put to a stop
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

TO WHOM IT MAY CONCERN, it all started when they mailed my final loan modification documents to the wrong address. I completed my trial and continued to make payments because that's what i was told to do by an agent from XXXX. They returned my last payment and told me because that i was denied because they never received the final documents. I told them i never received them they told me sorry we cant help you i begged them to allow me to keep my current trial and for them to resend the documents they refused. At that time i was up to date with my payments. I kept reaching out to try to negotiate months have gone by with no response from them at the end of XXXX I received a call saying that i had until XX/XX/XXXX to give them {$19000.00} to reinstate my loan modification. They gave me 3 days to come up with all money when months before they turned me down day after day month after month. Then they reached out saying we can give you a couple more days which at that point another month was added they asked me for {$23000.00} Then they reached out to me when i told them that was impossible they told me sorry that's all we can do. If they had good faith they should of postponed my sale date and its active for XX/XX/2022. They just want me to loose my home they have been playing with us all this time taking advantage of us. I was on time to solve this back in XX/XX/2022 but instead they dragged me up to XX/XX/2022. I did advised them that i was willing to start fresh they are ignoring us at this point I keep asking for an update on my auction and no one has even gotten back to me. All they want is to take my house.
Consumer complaint received 2023-06-20
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. (PA)

I am unsure why this bankruptcy is still being reported on my credit report. Per XXXX XXXX there is no record of bankruptcy. However Equifax, is documenting that gave them the information on my credit report. XXXX XXXX stated the bureau was notified but they continue to report this information when it should be deleted.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (UT)

Roundpoint mortgage makes it nearly impossible to get a human when you call their phone number. The prompts are never ending. Far more than other mortgage companies. I get the feeling their trying to avoid their customers. This is someone's home not a telephone bill and its ridiculous.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

I canceled the Amex card in XXXX of 2022 and paid off the balance of {$27000.00}. They continued to send me bills for reoccurring charges and late fees. I have tried to handle in a professional manor with the directly and continue to get run around.
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC (PA)

I was victim of theft identity. someone opened a account under my name with XXXX XXXX XXXXXXXX the dispute was file property and was dismissed. now the collection company " BAY AREA CREDIT SERV '' is attempting again to collect a debt is not mine affecting my credit one more time.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovate Managed Holdings, LLC (TX)

Hi i got in contact with Innovate Loan Servicing and they are not doing anything to fix my credit and remove the error by reporting wrong information that should not be there because i do not have a open contract with them for a loan i do not have a loan or the vehicle i dont know if i should look for a lawyer its affecting my credit score and nobody is helping me and its no fair because i have proof i do not have a open a account with them its been giving me alot of problems lately what can i do? The only thing they tell me is that what 48 hrs and i call back and still they cant do anything about it???
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (IL)

XXXX, XXXX, and Equifax continue to report inaccurate infromaton for the account listed XXXX Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION (CA)

On XX/XX/2023 I received a text asking if I had purchased {$700.00} at a XXXX XXXX I then received text asking if I had spent {$230.00} at XXXX XXXX restaurant. Immediately I responded to these and said no that was not me. These charges were made in Florida and I live in XXXX California. XXXX has been terrible accusing me I feel of being the one who has done this. I am now homeless because of this and they have not responded to anything I've requested today XX/XX/2023 they told me the case is closed and that I should not expect any reimbursement for the {$980.00} that was fraudulently charged to my debit card. I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding this situation. XXXX has had no compassion and have told me on numerous occasions that they could no longer do business with me and that all of my accounts would be closed immediately. I have followed every rule or order that they have asked me to do I have gone into the branch provided them my social security card along with my debit card and my California driver 's license. There are so many things on my cash management account that are unexplainable. Deposits in the amount of {$11000.00} and one for {$4000.00} that I have no clue what they are and they show rejected and were made on the mobile app. There are so many discrepancies and XXXX would not talk to me any further today when I talk to the representative about a direct deposit from Social Security XXXX he told me that there was no attempt made. I've spoken with Social Security on two occasions and they have reassured me yes they did make the attempts to deposit the check at XXXX. They are now doing a tracer on my deposit. XXXX has left me homeless I lost my apartment because I could not make a payment I'm going to lose my storage because I can not make a payment my credit has gone down tremendously because I can not make credit card payments. XXXX has treated me terribly and I have never had problems with them before. Please help me I'm desperate I am homeless and I am scared. I'm a XXXX XXXX XXXX man with a XXXX XXXX and have already had XXXX XXXX XXXX and undergone XXXX XXXX XXXX XXXX XXXX. Please help me to recover this fraudulent money that was never reimbursed to me. I've never had any problems with XXXX up until now, and I am so upset with their lack of compassion. The left doesn't know what the right is doing and the fraudulent team have not helped at all. Please help me recover this money.
Consumer complaint received 2022-12-13
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. (FL)

I have reached out to TransUnion and requested their company to stop infringing upon my rights to privacy for which I have yet to receive a response. TransUnion is in violation of my rights as a federally protected consumer.
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Recovery Group (TN)

This collection agency told my husband, who is not on the credit card and did not have anything to do with it, all of the information about the credit card and what I owed and threatened him with being involved if I did n't pay. They wo n't tell us who they are, the name of the firm or anything. They leave threatening calls at my home and work. They have called my XXXX year old parents and my daughter in California. They call every fifteen minutes. I have tried repeatedly to call the number they leave when I can get to a place to have privacy ( XXXX ) and I 'm left on hold over and over again for outrageous times. I have the cell phone records to prove I 've been trying to reach them. Last night I was on hold for 3 hours and 37 minutes before I finally went to bed. I do n't know if this is a scam. I do owe for a credit card but without knowing who they are - I 'm not giving them my financial information. Yesterday the man calling my work phone threatened to find me in person if I did not call them. That is why I sat online over 3 hours last night trying to reach them. Please help. I do n't know what to do.
Consumer complaint received 2023-07-07
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. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Actually, since XX/XX/XXXX, The BANK OF AMERICA, has been sending letters to an XXXX XXXX, at my residential address " XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX '', whereas such XXXX XXXX does not live there & has never lived there. XXXX XXXX XXXX XXXX has been my personal residence since XXXX when the house was completely built by the then builder. 
The post office for XXXX XXXX XXXX XXXXXXXX when it was notified of the problem, has been consistently returning such letters to Bank of America, which nevertheless never stopped sending letters to XXXX XXXX at my home address. Subsequently, the postmaster recommended that I report the problem to The XXXX XXXX POLICE DEPARTMENT and as a result Case # XXXX was issued. 
Prior to reporting the matter to the police department, I wrote a letter to Bank of America om XX/XX/XXXX, to formally inform it that XXXX XXXX does not live at my place of residence and that it had to discontinue sending letters to XXXX XXXX using my home address. The Tracking Number for that letter is " XXXX '' & it is confirmed to have been delivered on XX/XX/XXXX. 
The postmaster ultimately stated that what was happening was " Mail Fraud, someone using my address to obtain financial documents '', and that the United Sates Postal Inspector also needed to be informed, & which I did inform it. 
I have to believe that The Bank of America is colluding with this XXXX XXXX to commit fraud since it never ceased to this day to stop corresponding with XXXX XXXX using my home address despite the multiple requests for it to do so.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In order to REMIND the Equifax Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent accounts. XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified As per my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am disputing the following collections Accounts XXXX XXXX XXXX XXXX XXXX I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. 

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debtThe FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not correctedit could have severe implications on my credit worthinesswhich is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-06-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (OK)

On XX/XX/year> my I received a notification stating that my cash app account was going to be suspended for an undisclosed reason. I use that account to transfer money from Banks to pay my bills. Also they give me the option to borrow money from them and I borrowed {$320.00} for the last year and a half, always paid it back. I kind of rely on that to get my bills paid because I've done it for so long. Well as soon as I paid it back this month they suspended my account and they're not giving me that option now. And they can't even tell me why I didn't do anything against their policies as far as I know and they won't even tell me why.