davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Our family was devastated by XXXX XXXX and my husband XXXX was out of work for over one year and hospitalized and XXXX and nearly passed. During that time we fell behind on the mortgage payment with Wells Fargo and I tried to see if there were any programs available to help families devastated financially because of the pandemic. When I talked to their agents they told me they could not offer a forbearance or deferment or any solution, but said they would mail out a form for me to fill out. But nothing was ever received. I called their agents repeatedly, asking for help, any type of help. They did not offer a forbearance, they did not offer a deferment of delinquent payments due to XXXX, they did not offer a modification and never sent the paperwork needed to be considered for help. My husband was at death 's door and unable to work and we could not pay our mortgage payment because of the deadly pandemic and Wells Fargo, a multi billion dollar company could not even offer us any type of relief. To make matters worse they listed our house for sale and failed to notify us until one week before the sale. We did not know we were in foreclosure, we did not receive any notification of the legal process and the only reason we knew there was a sale date was because of we got a letter on XX/XX/XXXX telling us the sale was in one week. The Notice of Sale paperwork is dated XX/XX/XXXX and they claim that the notice was posted on our property and mailed to us on XX/XX/XXXX. This is false, the document was not even notarized as legitimate until XX/XX/XXXX. It is quite obvious that Wells Fargo wanted to steal our equity instead of working with us on our hardship. ( document attached ) We bought this home with a conventional 30 year fixed loan with Wells Fargo in XXXX. We had no problems with the mortgage payments or finances. XXXX has worked as a mechanic for 43 years and I work as a customer service assistant. However, we were not prepared for the devastation from XXXX and the toll it would take on my husband. We were fine the first few months when he was out of work, but once he went in the hospital the extra bills plus the loss of his income was too much and we could not keep up with our mortgage payment. We were desperate for help and I called so many times to try and find out if Wells Fargo could help our family with our missed payments but were never given access to any of the programs such as CARES, forbearance, loan modification or repayment plan. We fell further behind and Wells Fargo decided it would be better to foreclose on us than to work with us Due to the fact that we had such late notice of the foreclosure we were forced to file bankruptcy in order to save our home. This was avoidable if Wells Fargo would have worked with us and followed the servicing guidelines. XXXX is healthy and back to work full time as of XX/XX/XXXX and I am back working full time also. Our hardship is resolved. We need Wells Fargo to work with us to fix this problem.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am trying to correct everything on my credit report. This single negative items is not mine, it is inaccurate and should not be on my report. Please, I am trying to straighten everything out for me so I can get approved for a house this year and start fresh.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my Trans Union and XXXX and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.
Consumer complaint received 2022-12-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

This case had already been submitted to the CFPB under the name of XXXX for violating the HIPAA law, now XXXX passes this same bill to another company named Capio Partners LLC since XXXX failed to provide the evidence requested and the case was closed. Now here I include evidence of the same XXXX case, and do I successfully stop this collection or proceed with legal action
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (IN)

My complaint is actually with a Discover Bank policy. Specifically, I went online as I wanted to dispute a debit card transaction ( have already tried to contact the payee, run-around ). I went online to do so and clicked to dispute it ( see attached screen print ). My question/complaint is... In this day & age when companies WANT, BEG, REQUIRE you to do everything online, WHY does Discover Bank REQUIRE you to phone in ( and potentially endure long hold times, etc. )? Not to mention, doing by phone leaves me, the customer, with NO proof or evidence that I filed the dispute... online would ( even if it's just screen prints ). And then, when I did call in, by now my first question was just this, Why was I unable to do online, why was I required to call in. 

Much to my surprise, she was unable to answer my question without first verifying me. I then inquired WHY did I need to be verified for a general, non-account-specific question? Long story short, she was going to transfer me to tech support. I stated " Tech support doesn't make your corporate policy, that comes from management... they only right the code required to implement/follow policy. '' She then transferred me to another person ... This XXXX lady 's answer to my question was, " because that's our policy! '' She further, rather rudely, informed me " Your company can make their policies, but we have ours. '' This is very true, and I fully agree every company/business needs policies and procedures. However, they should make sense. Requiring someone to verify before answering a GENERAL, NON-ACCOUNT-SPECIFIC question makes absolutely NO sense! Also, " because that's our policy '' also does NOT answer the " why '' the policy question! She then transferred me to <someone>... I held awhile waiting and finally hung-up! A TOTAL waste of my time on this entire phone call, and I still don't have the dispute filed yet... it would've been done long ago if I could've done online.
Consumer complaint received 2023-07-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells fargo sent an employee XXXX XXXX to my house to offer a " free '' home equity loan. I told he I did not need a loan and she said it was " free. '' I said no and she returned with the local branch manager to convince me that " free '' couldn't hurt.

Several years later after no monthly or annual fees I tried to renegotiate my first mortgage due to falling interest rates and Wells fargo wanted {$500.00} to cancel my " free '' home equity loan. I believe this to e bait and switch and false advertising on their part. I want my {$500.00} back with interest and penalty
Consumer complaint received 2022-11-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am bewildered by the sluggish pace of your investigation, particularly when other credit bureaus have promptly resolved similar disputes. As a victim of inaccurate reporting, I have diligently followed the appropriate channels to rectify the situation. However, despite my persistent efforts, the inaccurate information persists on my credit report. This misinformation not only adversely affects my credit score but also induces significant emotional distress. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and current information on my credit report. The delays in the investigation process are exacerbating the harm to my financial well-being and mental health. Regarding the accounts with identifiers are the following : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX and Chapter 7 Bankruptcy-discharged Reference # : XXXX.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

CFPB # XXXX Additional Information Account is Paid XXXX of Payment XXXX Account in XXXX and XXXX has never been updated correctly. 

See attached : 1. original lease paperwork. 
2. XXXX XXXX Paid Total Loss Accident which occured on XXXX. 
3. KIA never updated account in credit bureaus and refuses to correct their WRONG information. 
4. Please have KIA Companies who have changed their names several times since XXXX recognize this account is paid infull 5. Restore PAID Closed Current XXXX Balance Owed.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Hello, I have been stolen from and fraudulently had my information, addresses and reports that I have already disputed multiple times with proof and codes and USC codes CFR, UCC etc. 
to XXXX how they are posting fraudulent late payments which is illegal and utilization which is illegal under FCRA And my 30 different inquiries that arent account holding inquiries need to be taken off my credit report, my multiple names besides XXXX XXXX XXXX need to be off my report. My multiple non mailable addresses need to be removed. The only address is - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California ( XXXX ) which is where I reside. Every other address every name that isnt XXXX XXXX XXXX on XXXX and Equifax and XXXX I demand to be taken off in 4 days and to stay off my report thank you
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (MI)

I attempted to make a money transfer to my son to be husband in the country of XXXX and it was denied and said that my account was blocked and they have no way of unblocking it. I asked for a reason and why y account was blocked and they said the decision was final and they can not unblock it. They would not tell me the reason and I feel that I should be able to know the reason why they are denying me service. 

Thanks XXXX XXXX
Consumer complaint received 2023-01-13
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. (CA)

I have incorrect information reported by XXXX XXXX on my credit report, I have disputed this matter with Experian, XXXX, XXXX, & through the CFPB. XXXX XXXX has XX/XX/22 Account Balance {$16000.00} reported to Experian & on XXXX report is {$16000.00}. This is a direct violation under the FCRA and Im invoking my rights.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 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 2023-07-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NV)

WELLS FARGO AUTO ARE REPORTING THE WRONG AMOUNT ON MY CREDIT REPORTS AS OF XX/XX/23 THE BALANCE IS {$11000.00} BUT MY CREDIT REPORTS SAYS {$26000.00}. THIS IS A VIOLATION OF THE FCRA.
Consumer complaint received 2023-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (OR)

CONTACTED ME THIS MORNING BY TELEPHONE. 

I have previously requested the FULL AGREEMENT INCLUDING APPLICATION OR ORIGINAL AGREEMENT WITH SIGNATURE from NATIONAL CREDIT SYSTEMS which has NOT BEEN PROVIDED. 

I have NO CONTRACT with XXXX XXXX XXXX. 

I DEMAND THIS REPORTING ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CONSUMER REPORT.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

I applied for the GM card with XXXX by Goldman Sachs in XX/XX/2022 about 10 times at their request because they kept saying they couldn't verify my identity. Each time I applied I had to upload my Identification... I submitted my Passport and Driver license on multiple occasions and kept coming back cant approve because we cant verify your Identity. When I would call to ascertain what the problem was the customer service reps would always say we don't know what the problem is just try again. Now it seems like their using some third party company to verify identity but they refuse give me their information. If I uploaded different Identification 10 times for this card and their saying they cant verify my identity that's a problem and I'm entitled to know the source of this inaccurate information!!! I don't feel comfortable with my personal identification being uploaded into someone database and their saying they cant Identify me. This is unacceptable!!! I have credit cards with different banks and have never experience this treatment of we cant approve you because we cant verify your identity when you have my Passport and DL uploaded in your database. No company should ask people to keep applying and not try to rectify the problem. The last person I spoke to was a XXXX and her supervisor and he just stated I cant give out any information pertaining to this matter. Very nasty and wouldn't help me rectify the situation so I could be approved. I'm entitled to know whose reporting inaccurate information on me!!!
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX, I purchased a phone from XXXX using a Synchrony Bank financing service. I set up an automatic payment from my bank to pay the agreed amount each month. Within the first few months, I was assessed a late fee, as my payments were being made too early in the cycle and XXXX posted in XXXX billing cycle, and XXXX posted in the following cycle. I contacted Synchrony, they apologized and reversed the fee, and I adjusted my automatic payment schedule to be later in the billing cycle to avoid this happening again. 

Then, in XXXX of XXXX, the payment was due on a bank holiday, so the automatic payment posted the following day. This resulted in a late charge. I didn't realize this had happened for a couple months, then reached out via their web portal and requested abatement of the first late fee transaction, since all subsequent fees stemmed from that one, but the system misapplied that request to the second assessed fee rather than the first. 

I then reached out multiple times to their customer service representatives, who explained that I had already requested the maximum amount of reversals and there was nothing further they could do. They have since 'closed ' the account and reported it to credit agencies as a delinquency, significantly impacting my credit score. I have continued to pay the original monthly charge on time each subsequent month, but the predatory cascade of fees and interest assessed on previous fees and interest has grown to an outstanding balance of {$400.00}, all stemming from the first late charge and not from any additional borrowing.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (AZ)

Please see closed complaint XXXX AMEX CFPB Ref No : XXXX Ref : XXXX I have attached additional documents and have provided the account number that the payment was sent to. I have also attached the XXXX transmittal showing the charged balance to my XXXX account ending XXXX, proof of payment from XXXX, and the incorrect account number. Both AMEX account numbers are noted in the documents. At this time, I am requesting for AMEX to re-review my documents, apply the payment to the correct account, and to reverse any late fees and finance changes applied to the account after XX/XX/2023, as that is when the payment should have been posted to my count.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WI)

Equifax XX/XX/2023 they want ss number drivers license home deed pay stub utilty bill all i want is my free credit report Equifax this was sent to XXXX XXXX XXXX credit card XX/XX/2023 this card was denied base on equifax reporting now they say we have no recordof my credit
Consumer complaint received 2023-07-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BCG Equities, LLC (IL)

I payed of an auto debt on XX/XX/XXXX. Before that XXXX XXXX XXXX  who was hired by BCG Equities LLC threatened to garnish my wages and even reached out to my employer on several occasions. I tried negotiating with XXXX and between them being rude and yelling at me it was not getting anywhere. Since I paid the debt off in XXXX I have been trying to retrieve the title to the XXXX XXXX XXXX. XXXX lXXXX XXXX would not give me any information on how to retrieve the title and by mid XXXX I had found out about BCG Equities and was able to find there contact number. Since XXXX I have called them every other week looking for my title and they kept telling me that they were processing it and should be soon at getting it. Yesterday I got a court document in the mail that released the lean from the car signed by the judge, but still no title. I called BCG Equities today and they said that is the best they could do and they did not know where the title was at and that I needed to go to the DMV to file for a lost title when I was not the one that lost it mind you. I explained to him that I would have to pay extra money for this and that I had already paid them for the tags, title, taxes, his response was that's the best I can do. They went in front of a judge trying to get money back on a car that they did not even have documents for, I do not understand how this is legal for them to do this to consumers.
Consumer complaint received 2022-11-14
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX Original creditor XX/XX/XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXXInquired on XX/XX/XXXX ; XXXX XX/XX/XXXXInquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;XX/XX/XXXX Inquired XXXX XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXXXXXXXX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXXInquired on XX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ; XX/XX/XXXXInquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX ; XX/XX/XXXXXXXX Inquired on XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.