davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My problem started in XX/XX/XXXX even though I did n't know that. At this time, I purchased a property through Wells Fargo Home Mortgage. I felt something at the time but I shrugged it off because I was so happy to get something under my name. But as time goes on I keep on digging for information and things could n't make sense to me. I got very depressed. I literally pulling my hair over my head to contain my frustration. I was crying, my body was falling apart. I finally opened up to a good friend of mine whom referred me to make an official complaint through CFPB because I would n't be able to pay the legal fees. That is why I started making complaints to CFPB since XX/XX/XXXX, years after my struggle. I have never got a deed of the property until years after I bought the property and while I have never defaulted on my loan. I thought my pain was finally over when the deed got recorded. Think again! The mortgage satisfaction was not registered and the seller 's bank which has never got their money scheduled a foreclosure. Investors kept calling me day and night. I was literally pulling my hair over my head, I was crying and my body was falling apart. I had to hire a lawyer because Wells Fargo did n't believe me and was very reluctant to help me. I recalled that one of the reps told me to have my lawyer send them information because they could n't reach the seller 's bank. I had several reps on the case and the treatment was very harsh at times. XXXX XXXX was very mean and insulting. XXXX was cold and dismissive. I finally got XXXX XXXX whom I have to acknowledge did her best in this process. Now I have an issue : the water bill. It was never paid because I have never got one and as you can see it is still on the seller 's name even when I went to DEP to change the name. There will be a lien on the property if not paid as soon as possible. I did mention that to Wells Fargo and as usual it takes an eternity for them to reply.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

This Complaint is about Select Portfolio Servicing who is a mortgage servicing company and not the mortgage holder. I became completely unemployed due to COVID. I filed and collect Social Security as my only income as I am XXXX years old. I first defaulted in XX/XX/XXXX. I have tried and resolve this issue since by trying a short sale and currently am under review for a surrender deed in lieu when I received notice that my account was referred to an attorney for foreclosure. I have not received any further information about the foreclosure since. The final attempt for a short sale was denied due to a business decision even though offer matched the sale amount that was previously approved by mortgage holder via SPS Servicing. I am not aloud to speak to any representatives from mortgage holder so my case is in limbo as no one is managing my particular account. I have filled out countless applications and reapplications for short sale, deed in lieu and other financial assistance programs with no final solution offer. 
In addition, there was an insurance claim due to flood damage in XX/XX/XXXX. That claim is closed and SPS Servicing is holding on to the over {$27000.00} in settlement funds while the escrow charges including interest, real estate taxes, property insurance and utility costs continue to mount.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (CT)

President - i closed my td bank account XXXX but they still send account alerts to XXXX. i called yesterday they said its still not closed and there waiting for another department to close it and cant stop the alerts. by law. pta do this now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX est.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

I had been in the hospital since XX/XX/2023 until XX/XX/2023. I had been recovering from bronchitis. When getting out of the hospital I noticed the amount of {$14000.00} being taken from my reserve account on XX/XX/2023. I also notice the amount of {$2900.00} being taken from my reserve account on XX/XX/2023. 

When talking to the fraud XXXX for PNC, I mentioned that it could have been my brother or someone close to me. On XX/XX/2023, they showed photo evidence of the transaction. It was my brother using my debit card and taking my identity. I filed a police report on the person using my identity. PNC is not listening to me and withholding {$16000.00}. I should be FDIC assured if my funds were taken by fraud or identity theft.
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (CA)

DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DESIGNED RECEIVABLE SOLU has reported false fraudulent information to the 2 credit agencies XXXX and XXXX. 

I have written to the company DESIGNED RECEIVABLE SOLU letting them know the account is not mine. I never signed any contract with anyone at DESIGNED RECEIVABLE SOLU or had ever dealt with them. I have written a letter to them and all 2 credit agencies to immediately remove this fraudulent information. The amount which DESIGNED RECEIVABLE SOLU claims is due is {$360.00}. This appears to be an identity thief. Please help to remove this item from my credit reports.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XXXX XXXX XXXX I made a check deposit of {$500.00} via Check # XXXX. Shortly after on the XXXX of XXXX I made another deposit of {$600.00} via check # XXXX. Both checks were placed on a hold. When I called about the holds the rep explained because of the account having a negative balance before the checks would be held. However, my accounts went negative because of the bank. I was given a temporary credit for a claim that I filed with them regarding an unauthorized transaction. However, they stated that they had not paid that particular transaction and that they would be reversing the credit. They did not tell me when they waited days later interfering with my normal banking and for this reason I got charged a fee. That was not my fault at all either way you look at it. The fact that they issued the credit and/or took it back. I got charged two XXXX $ fees, one for overdraft and the other for being 5days overdrawn. I thought of this to be unfair but moved on. Now I am having problems with these holds and I have NEVER had a check returned and the checks I am depositing are from another LOCAL account that belongs to me as well and the money has already been taken from my other account. It is an Estate account and I pay myself from that account. However, I can no longer trust that my money will be available to me so I now have to pay fees to cash my checks some place else. This is not only a inconvenience but a disappointment because I am a new member to Bank of America and thought they were great at helping but I was wrong. I am being punished for their mistakes and it just is n't right. Not to mention I now get charged a maintenance fee for the account that I did not agree to and I can prove this via statements dated back to when the account was first opened online in XXXX. Please help me to get whatever hold they have on me corrected. I am a single mother and student and I need my money to care for my child.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: FinCo Services Inc DBA Current (WA)

On XX/XX/XXXX XXXX pm i transferred XXXX dollors from my current mobile bank app to my XXXX app account it was a debit to debit card transfer it took 30 minutes for it to be transferred it went smoothly but on XX/XX/XXXX the very next day at XXXX am i did another transfer of XXXX dollars it never was transferred from my current bank app to my XXXX account i made the same exact transfer as the day before in my current bank account it says pending but customer service from XXXX XXXX XXXX  says there was no kind of transaction from my bank i explained it to my current bank customer service they said they cant help me i have to deal with the merchant but they never received the transfer so i called back the customer service at my bank she says that it takes 10 days for it to process but the day before it took 30 minutes because it was a debit to debit transfer she never looked into my account to see what was going on with my transfer so now either side dont know where my XXXX dollars is at my current bank account has the receipt # the day and time of my transaction but they dont know where my funds are XXXX account have no transaction of my funds being transferred i explained this to my online current bamk customer service and she was rude and told me that there is nothing they can do ive banked with current for over 6 months now i direct desposit over 2000 dollars with this bank every month i entrusted them with my direct desposits and they just wont look into the matter the receipt # for the XXXX transfer receipt is XXXX it the date of thus incident was XX/XX/XXXX at XXXX in the morning i really need help to resolve this issue i appreciate if simeone would help me i work hard for my cash and i just dont like my money being lost from a bank that i entrust with my funds
Consumer complaint received 2017-07-13
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: Prosper Marketplace, Inc. (GA)

Prosper Marketplace XXXX XXXX.Ca.XXXX. XXXX They pulled my credit report on XX/XX/2017 this pull was a hard credit pull. I was not informed it was going to be a hard pull there web site says soft pull that will not affect my score. I have not received any loan after the date they pulled my credit report or received any letters in the mail.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am a previous identity theft victim, I recieve a PIN from the IRS every year in order to file my taxes. When I found my credit report accounts were no longer frozen I attempted to freeze them again. XXXX and XXXX were easy 10 minute efforts and allow me to return to unfreeze when I need them, which is a fantastic improvement. Equifax has been a difficult nightmare, requiring a code sent by mail, and now repeated 'website down " messages when I try to freeze account online. It shouldn't be this difficult. This process has dragged on now for 2 weeks. That is unacceptable. As long as my credit report is unsecured my identity can be used for criminal purposes. Please help me secure a credit freeze with this company. Considering their history this should be dealt with severely as it has the worst reputation of the three bureaus.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX** Balance : {$210.00}
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-05-27
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: WELLS FARGO & COMPANY (GA)

My account with Wells Fargo Card Service should be no more than 30 days late in the month of XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditors were neglected. This should be corrected immediately.
Consumer complaint received 2018-01-01
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)

I disputed this account 3 times with XXXX, XXXX and Transunion. I asked each credit bureau to send proof of validation and each time I keep getting a report back saying that this account has been updated or either closed but no proof of validation from this company or no original contract and by law if this is reporting on my credit report, I have the right to send me proof of validation. However, I did receive a letter from a collection agency with a total different amount that 's reporting to the credit bureau. I am not liable for this account. They have no proof of validation and reporting different amounts to collection agency and credit bureau. Please have credit bureau send me proof of validation or remove this from my credit report. They are reporting inaccurately.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (MS)

I reached out to Equifax two times regarding fraudulent accounts and they fail to uphold the law. they are violating my rights by not deleting these fraudulent accounts that I did not open, my identity was stolen.
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma (TX)

I have received a charge off on my credit report. It 's reads Sarma debt collection. However no explanation of the debt, I have never received any letter or statement showing what the debt is, who originated it. If sarma reads this, hopefully they will send, no calls, me a written statement of the debt. Clear my credit report and I will not pursue any further legal action. If by chance this is a legal debt from XXXX XXXX XXXX ... I am XXXX military, they took labs, no treatment, that was after waiting 5 hours. Told my XXXX XXXX XXXX Physician the next day. I had to pay {$40.00} for my XXXX XXXX to take to my XXXX. If the hospital is n't intelligent enough to collect my insurance info, then pull this underhanded XXXX.. Shame on XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , TX. Shame Sharma debt collectors on unscrupulous practices. I 'm a XXXX veteran, and I do not desire to be threatened. I 've been nearly killed several times, and a young female on a phone threatening me ... She 's lucky and I will leave it up to you Sharma and XXXX XXXX XXXX to fix this or I will take further legal action within 30 days.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2022-12-19
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
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: National Credit Systems,Inc. (GA)

National Credit Systems continues to harrass me for {$2300.00}. This debt is invalid and inaccurate and should NOT be on my credit report. The joint owner as well as myself has reached out to this company MANY times to resolve this issue and the company has always been very dismissive and are not willing to listen at all. After round of disputes all they are able to provide for validation is a copy of the leasing agreement. In summer XXXX XXXX owner and I decided to perused this issue in court. Due to the fact that the account took place out side of the courts jurisdiction, the case was dismissed. After the court hearing, the attorney that was there to represent the collection agency approached the XXXX owner and myself and stated that he would agree to delete the account from both of our credit profiles due to the fact that the original jurisdiction was over XXXX hours away for both parties, and there was a lack of substantial validation. Because of this we took his word for it and believed the debt would be removed. We took his word for it and did not continue to peruse this in court. We were clearly tricked. Since then, the joint owners credit profile has been relived of this account but mine has not! After more rounds of disputing, and providing the document from the original creditor reflecting a balance of {$0.00} PROVING the debt was paid BEFORE it was a collection account back in XXXX, the collection agency keeps reporting the bet back as " verified ''. At this point I believe that this collection agency will do or tell you anything so they can get money money out of individuals regardless if the debt is valid or not. This matter should not be left up to this company. Thy clearly dont care that this is wrong. I would like this to be removed from my credit profile! They misled us and refused to cooperate.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current (PA)

Finco services/ current bank was alerted that I received a fraudulent transaction from XXXX XXXX and requested to freeze my account. They froze all accounts except the one that XXXX took from and didn't even try to get me a refund after I asked.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (GA)

At the time my ex-husband was living in the house and he was supposed to make the mortgage payments because, at that time, we were separated and I moved out of the house since he wouldn't. And unbeknownst to me, he lied about making the mortgage payments. The divorce went through and he was ordered by the court to move out of the house. Since then, I moved back in and out, and payments were made on time by me. I informed the bank about this and they recently reported this to all three credit bureaus, which have a huge negative impact on my credit. I'm requesting for this to be corrected.
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  Account # XXXX, XXXX  XXXX, XXXX, 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 a account without my written instructions.
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc. (NC)

There was a XXXX charge on vanilla gift card I did not make. They are refusing to credit me and impossible too deal with. This was done 2 days ago. XXXXXXXX XXXX. I never heard of that company
Consumer complaint received 2023-05-23
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: Early Warning Services, LLC (IL)

Ive disputed this same account on my XXXX file multiple times it is linked to a fraudulent activity being used with my name and social security number. Im resubmitting this information just in case XXXX havent already received my other documentation. Theres also a checking and savings account reporting on my consumer reports for Early Warning and XXXX consumer reports and state on this is in my identity theft report which I will provide a pdf for.