davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

XXXX my wife at the time missed XXXX payments, which Wells Fargo started foreclosure. When i found out about this, I called, paid all missing payments over the phone. Then XXXX  years later, my wife had an affair and left me and the kids. We both filed XXXX  XXXX, and was XXXX. I was able to save the house, and got her off any claim of ownership. My attorney said to not sign the reaffirmation agreement because know one was sure how long the recession would last. During that time, XXXX to XXXX, Wells Fargo did not report my payments to the credit bureau, which all payments were made on time, just like in the past before she skipped XXXX payments. I owed XXXX in XXXX, and paid it off, .so now I own the house with no debt. The house was valued XXXX during the recession and worth over XXXX now. XXXX is a bad bank, I don't recommend them to anyone. Not sure if they owe me money or not, but they did make my life XXXX during XXXX to XXXX.
Consumer complaint received 2019-11-27
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: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting incorrectly where I am shown as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Credit Bureau XXXX, Experian, XXXX I am A Victim of Identity theft I am want to request updates to my personal information and to ensure the accuracy of my credit due to credit report and identity theft in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name Update : Please update my name to XXXX XXXX XXXX. Attached, you will find supporting documentation for this change. 

Address Update : Please update my current address to the following, which is accurate and deliverable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth and Social Security Number Confirmation : For your records, my date of birth is XX/XX/year>, and my Social Security Number is XXXX. 

This information is critical for accurately maintaining my credit file. 

Removal of Previous Addresses : I also request the removal of all previous addresses associated with my credit report. These addresses are not deliverable by the US Postal Service, and fraudulent due to identity theft making them inaccurate and not reportable under the FCRA. Ensuring that these addresses are removed will help in maintaining the accuracy and integrity of my credit information. 

I trust that XXXX, XXXX, and Experian will take prompt action to update these details and remove the inaccurate information as required by law. Enclosed are copies of documents that verify my identity and support the requested changes ( e.g., government-issued ID, utility bill for the new address, Social Security card ). 

Please inform me in wrong once these updates have been made to my file. Should you require any additional information or documentation, feel free to contact me. 
Thank you for your attention to this matter and for your cooperation. 

Sincerely, XXXX XXXX XXXX Attachments : Proof of Identity ( Copy of Driver 's License or Passport ) Proof of New Address ( Utility Bill, Lease Agreement, or similar
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Hello, I have recently checked all three consumer reporting agencies and notice PLENTY of inaccurate and false information on my credit report. Yes i have tried to send you all mail on all inaccurate information on my report but I have nit seen any changes or receive any mail back from you all in the past 30 days. These inaccurate reports I believe was one of the reasons I was denied XXXX XXXX XXXX  and can not get approved for a home for me and my family. These bureaus are required to report 100 % accurate information across the board or it must be deleted .Also I am highly aware that majority of these accounts do not have my written permission or a signed contract with me so they are all considered fraudulent and have stolen my identity. So not only are you all reporting false information it is also fraudulent information that must be removed from my report or we can go a step further and file a lawsuit and receive {$1000.00} per violation under my civil liability law.I would like to be treated fair and request that all accounts be removed from my consumer report being that they are third parties with NO business with me and will handle that accordingly as well. 

I know that under after any reinvestigation of any information disputed by consumer ( ME ) an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall promptly delete that item of information from the file of the consumer and if you are unable to provide me a copy of verifiable proof within 15 days after the reinvestigation you must remove these accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2023-01-20
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 (NC)

I was a customer of Wells Fargo from approx XXXX thru XXXX. 
I was overcharged for {$35.00} fees that ran into $ XXXX of dollars. 

In XXXX approx I lost my cell phone with all my banking info on it and someone used it to the point of putting me in the negative $ XXXX {$2500.00}. I talked to the bank & filed a report and they would not help me in anyway. I wasn't able to pay bills for over a month or eat etc. 

I feel very strongly that Wells Fargo took advantage of me & other customers. 

I Pray there is some way you can help me!
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, I would like to file a complaint regarding on my Paypal account. They decided to permanent limit my account after i received the payment. This was my first transaction and i'm not able to withdraw the money because it's on hold. It was XXXX XXXX XXXX  the amount is XXXX XXXX XXXX XXXX I already contacted their support multiple times about the limitation of my account and ask them of what i need to do to uplift the limit. They said that i need to wait for 6 months before i get the money. Sadly that is quiet too long. I'm willing to send my documents to confirm my identity but paypal decision still the same.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OH)

Cardinal mortgage established a fully funded escrow account at the time the loan was conceived ( around XX/XX/2021 ) and subsequently neglected to pay the homeowners insurance. The lapse was noticed 2 - 3 months later and resulted in the cancellation of my homeowners policy. Hence, a new homeowners policy was created. This came at a higher premium for the exact coverage. Cardinal didnt assume any financial responsibility for their mistake. In addition, because of the lapse in coverage between XX/XX/2021 to XX/XX/2021, I had to buy insurance to cover those dates along with the normal annual premium. After paying for the coverage, my insurance agent and I called on three occasions to provide proof of insurance ( email/fax ) because Cardinal hadnt entered the 2 policies into their systems as stated by the previous representative ( the new annual policy and the policy that covered the lapse ). On XX/XX/2021, I received a letter stating that Cardinal had purchased insurance to protect their interests in the property. As a result of debiting my mortgage to pay for insurance that I did not need and shown that I already had ( three time prior ), Im concerned that Cardinal will withdraw this amount from my mortgage payment thereby creating an ongoing mortgage deficit to generate late payments + fees, as well as hurt my credit by misreporting on my credit bureaus.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NC)

Going thru divorce car was repossessed, then sold at auction had to pay existing loan for XXXX. I was co- signer for car, e wife was XXXX  car was impounded found out later, they sold at auction and I had to pay the rest of loan off. Which I should of never had to pay. They sent me remaining balance when they couldnt get what they wanted for it. I called them they said I had to pay the balance I should of got the car back since I paid more then what they auctioned it off for. No title no car.
Consumer complaint received 2023-01-20
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. (KS)

My credit reports generated by XXXX, Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. Last activity, 2. Balance, 3. Date opened. 4. Last payment date and 5. Closing date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX Experian XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closing Date XXXX - - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2021-12-22
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: National Credit Adjusters, LLC (TX)

National Credit Adjusters contacted me with a dunning notice, attempting to collect a debt that I never contracted or agreed to pay. They began reporting negative and defamatory information on my credit reports in XXXX of XXXXI sent a debt validation to no avail. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship. Reflects the consumer 's performance and other conduct with respect to the account or other relationship. Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished. Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report. Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Consumer complaint received 2022-10-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (OH)

I am submitting this in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel some errors are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix it. Please reinvestigate these accounts. Please check the inconsistency reporting of the Account number, Date Opened, Last Reported, Date of Last Active, and date of Last Payment. You must report this account accurately. Correct this matter ASAP : EXPERIAN : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-01-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Dear Credit Bureau ( Experian, XXXX or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

[ challange financial services XXXX ] Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement and cell phone bill. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX spc XXXX XXXX ca XXXX SSC : XXXX Experian has failed 3 times to produce the original contract of this debt I have upload the original contract that I hold in my possession that proves I have no account with this finance company its theft and indemnity fraud I want that deleted from the credit report with in. 24 hrs or Ill have to use legal actions against experian and challamge finacial.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Shore Financial Services, LLC (MI)

I noticed that a recent credit report of mine included a thirty ( 30 ) day late payment that was reported on XX/XX/2021 and posted to my credit report on XX/XX/2021. This remark is in conjunction with a payment that was due to United Wholesale Mortgage ( UWM ) on XX/XX/2021. The payment of {$2200.00} was made on XX/XX/XXXX, however, the payment was reversed due to a bank error that I was never notified of on XX/XX/2021, just three ( 3 ) days before my next payment due date. This left very little time for proper notification and correction, as once a payment is thirty ( 30 ) days late, it is to be reported to the credit bureaus. 

Had it not been for a lack of awareness regarding this issue, I would have a perfect payment history, one that I take very seriously. I truly believe that this does not reflect my credit worthiness nor my commitment to repaying my debts. 

I was never directly notified of any issues regarding the above mentioned payment by United Wholesale Mortgage. After becoming aware of the derogatory remark on my credit report, I spoke with someone from UWM via telephone who advised me that I was attempted to be reached via telephone, however, those phone calls were only made to the " primary '' phone number, which at the time was ( XXXX ) XXXX, which is not my phone number. I was then advised that UWM is not allowed to leave any voicemails, indicating that no information regarding the payment was ever or would have ever been provided through a voicemail. I was also advised that a letter via US mail was mailed to my home address on XX/XX/2021. To this day, I still have not received that letter. Even if I had, the likelihood that I would have received it before the next payment due date of XX/XX/XXXX is low. 

I take my finances very seriously. As soon as I became aware of this reversed payment, I immediately made a payment of {$4600.00} that included all owed amounts, including the payment for XXXX as well as XXXX, as well as the late fees and reversal fees associated. I have never missed a payment, ever. This is a terrible mistake that I sincerely hope does not have to follow me for the next seven ( 7 ) years. 

I filed disputes with all major credit bureaus as well as with UWM. I provided descriptive information to UWM that indicated the lack of notification, however UWM has failed to take responsibility and has stated that they will not change the reported information.
Consumer complaint received 2021-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Didn't receive enough information to verify debt BOA info called at XXXX XXXX XXXX XXXX. transferred call to line that hung up. 
XXXX XXXX. 
was unable to accommodate said she was transferring call to supervisor. XXXX hung up at XXXX XXXX XXXX XXXX refused to accommodate then stuck me on hold at XXXX Came back at XXXX discussed until XXXX then put on hold again. 
Came back at XXXX, put me on hold without notice at XXXX Said she could only make a unilateral complaint but refused to keep me in the process. 
Came back at XXXX said she would file complaint but could not accommodate. 
stuck me on hold again without notice at XXXX without any accommodation. 
XXXX she hung up without returning. 

XXXX called back, XXXX XXXX. was rude and refused to accommodate, stopped talking at XXXX came back at XXXX and thanked me for my patience. then was rude again to me and hung upon me at XXXX XXXX XXXX, XXXX, put me on hold at XXXX, came back at XXXX, put me on hold at XXXX, came back at XXXX, ask same questions again. put me on hold at XXXX, XXXX at XXXX said she was putting me on hold again, she said for 2 minutes. 
She came back at XXXX, I asked the date of whatever transactions she was talking about for over 30 minutes she refused to say what I owed them money. at XXXX she transferred the call without notice. 
at XXXX XXXX XXXX XXXX XXXX ) picked up, she then said the bank opened an account for me and then that account was overdrawn. She then transferred to a supervisor in collections. the supervisor refused to accommodate MY XXXX AND TRANSFERRED THE CALL TO XXXX a manager who said she would not discuss accommodating my XXXX was abusive and then hung up on me at XXXX They kept me on the phone for over 4 hours running me in circles refusing to say what any debt was for refusing to say the date I became INDEBTED. They XXXX  the XXXX out of me kept making fun of my conditions and dictating to me what my abilities should be in their eyes. 
From my recordings and documentation and the numbers they provided to me I do not owe them anything. 

XXXX XXXX XXXX i requested supervisor he hung up.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: STATE EMPLOYEES CREDIT UNION (NC)

I had been reaching out to XXXX XXXX to see if I could get a payment plan started to pay off loan but they insisted on repossession my car instead of working with me and charging me unnecessary fees in regarding the loan and applied this loan to my credit report so that has put me in a terrible situation with me on my credit report when I dont even have the car anymore