davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I have been  trying for several years for help the last time Wells Fargo helped the lady went up on my years and on my payments so that sure did not help me. I was told take this or get out of my home by a lady at Wells Fargo when I  had hired someone to help me and the lady at the law firm said she had never heard such. But I was told to take this with higher payments or get out. Now they are trying to foreclose on me and I have begged for help and I am underw ater by 50.000 or  more and they rather loose all that than give a lower rate.Just dont understand why they rather foreclose than help me stay in my home. thanks  XXXX
Consumer complaint received 2017-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

I pulled my  XXXX  Credit Report today,  XXXX   XXXX ,  2017  and there are  XXXX  collections on it just reported in  XXXX . I have not received any communication prior to them being reported to the credit Bureau by this collection agency I can identify.     I have highlighted the  XXXX  collections that appeared on my bureau from snapshots I took from the  XXXX  website noting the reported date as  XXXX ,  2017 .
Consumer complaint received 2017-06-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CT)

I got just  XXXX  cell phone line through  XXXX  on  XXXX   XXXX ,  2016 . The agreed monthly payment was {$50.00}. I paid {$53.00} at the time when I got the phone. Before the end of  XXXX , I received the first bill for over {$100.00}. I sent the agreed on {$50.00}, and inquired what the additional amount was for. They did not reply, but sent the next bill for over {$100.00}. Again I sent and asked why they were charging me those extra money, but they never replied. Again I sent another {$50.00}, and this went on for weeks with no reply from them. I sent in the {$50.00} payment for  XXXX , but they cut the phone off on the  XXXX  of  XXXX  and kept raising the bill, until now they are sending me bill for over {$500.00} and even sent the bill to a collection agency so they can collect the over {$500.00}. Not sure what to do at this time, because I am a senior and they are only trying to rob me!   Also  XXXX   XXXX  sent out advertisement for TV in my area. I have them come out and did the installment after they informed me that the service will ha ve 20 channels including those in my area. The technician who did the work assured us that all my channels are  somewhere there, but when we searched, they gave me a lot of channels that were not in this area. They refused to come back and take their equipment, but just sending me bills for hundreds of dollars. I informed them from I discovered that they cheated me, although I paid them  about three months, and sent in a complaint for them to give me my local channels, or take their equipment ; the onl y reply from them is the high bills. Please do what you can to assist me at this time. Thank you so much
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCOUNT : XXXX XXXX ( Original Creditor : XXXX XXXX ) account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX account number : XXXX and XXXX XXXX account number : XXXX 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (LA)

American Express called my family members, my minor children, my childs boyfriend, my husbands work associates repeatedly over and over until they each answered and told them all that I wrote them a hot check for {$9000.00}. Which is not true. My husband discussed paying them to settle, but became cautious when they wouldnt email us or send us a letter regarding the settlement. When my sister told this representative that this was very unprofessional, he kept repeating himself to try to make her understand that we write hot checks. I dont know who all they called and I dont know how they got their numbers. We never gave them our minor kids phone numbers and obviously my daughters boyfriends number nor my husbands new business associates. I cant imagine sharing my personal info and harassing innocent people being legal
Consumer complaint received 2022-07-10
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. (NY)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-19
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. (MO)

In accordance with the Fair Credit Reporting act. The list of accounts Below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  Acct Service # XXXX, Account Name : XXXX # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my rights.
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I got scammed by an entity that pretending to be a legit employer. They offered me a job, sent me a check, and asked me to deposit the check and pay vendors through XXXX  and wire transfer to setup home office. 

On XX/XX/2022, I deposited a check of XXXX dollar at the bank thinking it was a valid check. Wells Fargo verified the check, cashed it, and check processed and money became available in my account. Employer asked me to transfer XXXX dollar through XXXX. 

Then, on XX/XX/2022, as all XXXX dollar processed and became available, employer asked me to do multiple XXXX and wire transfers. So i did XXXX dollar through XXXX XXXX transactions to XXXX XXXX and XXXX dollar wire transfer to XXXX XXXX XXXX, thinking they are valid vendors. 

On XX/XX/2022, I received notification from Wells Fargo that they returned the check. At that time, it hit me and I realized i've been scammed. I straight away called the bank and let them know, and even went to the branch. Branch asked me to call, when I called it keeps transferring me to here and there and it's very hard to talk to anyone. 

But my disappointment is why Wells Fargo verified, processed, and cashed a false check. Now I lost XXXX dollar of my savings for my XXXX son. I'm a single mother and this is really difficult for me. 

Reference number of cases reported to Wells Fargo - XXXX - XXXX - XXXX - XXXX
Consumer complaint received 2019-05-07
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: EQUIFAX, INC. (CA)

one unfortunate XXXX XXXX XXXX account has been reporting under my credit file for the last two years, i keep telling them this is not mine, i have never had a XXXX XXXX XXXX card, i even received a police report since i had been a victim of ID theft. this is not mine, i need t have equifax which is the only reporting agency reporting, have this removed from my credit file. 
thank you for your cooperation
Consumer complaint received 2023-03-19
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 am requesting to get my entire credit file. I have received several adverse actions against me. That contain inaccurate information. I am not asking for my consumer report. I have received a copy of all my up to date consumer reports. I need to retrieve my entire file that your company has assembled.
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MI)

I inherited a house from my mother in XXXX of 2015 and the house is financed through Ocwen mortgages. I have been trying for several years to refinance the home because Ocwen keeps raising the interest rate every 6 months, and have not been able to, due to most of my income being tips from bartending. Ocwen refuses to work with me and now my interest rate has jumped 5 % in the last 3 years. I feel there is something not right here and Ocwen is not being truthful.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I am trying to get an item removed from my credit reports. XXXX claims that on XX/XX/XXXX, i had a computer delivered to XXXX XXXX XXXX XXXX XXXX.I disputed this immediately upon receiving a bill from XXXX in XX/XX/XXXX. I have since then, sent them, and their collection agency numerous letters, requesting they investigate my claim that I never ordered, or received a computer from XXXX. XXXX has written it off on XX/XX/XXXX, they did this after i sent a request to validate and show that I ever even ordered the computer. I was not even living at the XXXX XXXX XXXX address at this time. The property was vacant. I was in the midst of a divorce, and the property was vacated months earlier by both my wife and I. I sent XXXX, and their collection agency proof that I had moved to XXXX XXXX XXXX XXXX PA XXXX. I still reside at that address. At their request, I sent them a police report that indicated Fraud/Identity Theft. They said that wasn't proof enough. I sent them proof that I had moved prior to the delivery of the computer, as well as a signed lease, an notarized Affidavit of Identity Theft, utility bills, and a copy of the change of address forms. That still wasn't sufficient. They said it didn't prove I didn't order the computer. I asked for proof that the computer was ever even delivered to that address, they couldn't provide me the carrier who delivered it, a signature that it was delivered, or even an old tracking number. They did not say they didn't have it, just that they would not share it with me. So at this point, what should be my next step? I've given them everything they asked for, and more. How do I prove I never received something? The amount in collection is {$750.00} XXXX XXXX XXXX XXXX of SS # XXXX. XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX Thank you
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (OK)

I closed my XXXX XXXX account in XXXX of XXXX. I received my federal income taxes around XX/XX/XXXX to my prepaid American Express. I was charged {XXXX} on XX/XX/XXXX to my prepaid American Express. I have disputed the charge three times to American Express has denied my dispute even though I did not authorize this charge. I requested a debt validation notice from XXXX XXXX in XXXX of XXXX. I did not receive any validation information as XXXX XXXX was collecting on behalf of XXXX. I spoke with a supervisor named XXXX whom advised that XXXX sent a letter advising i could dispute the charge and XXXX would not attempt to recollect but would not give a direct company refund for the charge. I requested a copy of the letter per my FDCPA and consumer rights and was advised XXXX could not resend the letter. American Express has no right to pay a charge I am disputing from my prepaid American Express. This has caused me grave financial harm as my this money from taxes was for my kids and past bills. My water was turned off for 3 days due to this issue.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (VA)

TD bank denied that some charges on my son 's credit/debit card were fraudulent.I tried to resolve it with them and show that my son was at school or asleep when the charges occurred. The total amount is $ XXXX.They said they would send documentation but they did not.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  XXXX   XXXX
Consumer complaint received 2018-10-22
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: Commonwealth Financial Systems, Inc. (TX)

This company is re-aging this medical debt. It is over 5 years old. They removed it and reported it as occurring XX/XX/XXXX. This is false information. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Original creditor XXXX XXXX XXXX   XXXX XXXX  XXXX. 

Correct date of service is XX/XX/XXXX. Reported as XX/XX/XXXX
Consumer complaint received 2022-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I recently submitted an employment certification form to MyFedLoan for the Public Student Loan Forgiveness program after consolidating my student loans. The guidance from DOE and in student aid.gov on the waiver announced in XXXX clearly states that payments made pre-consolidation will count toward PSLF. Today I received a letter stating theyve reviewed my recent employment certification and update payment counts. The letter specifically states they have applied any additional payments that would count under the waiver. However, that statement is a lie as the letter shows I have 1 qualifying payment when I had over 60 payments documented toward the program prior to consolidation. MyFedLoan continues to mislead borrowers on forgiveness.
Consumer complaint received 2019-05-07
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: SYNCHRONY FINANCIAL (NH)

XXXXXXXX place XXXX, FL XXXX XX/XX/2018 National Credit Card/ airlines XX/XX/2018 Syncs XXXX Fl XXXX Two reports, both because of Care Credit. I have complained and they said to contact you. 
I want this removed from my credit report. I have paid off Care Credit, in full and this is unacceptable. I will never use them again
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

Credit card account through Chase bank ending is XXXX have charged me an annual fee of {$450.00} with a credit card limit of {$1500.00} on XX/XX/2019.  This is a violation of the CARD Act of 2009. Called and they will not remove the annual fee.
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

While using   XXXX   XXXX   to help me get paid in real time I expieriance multiple delays due to my bank not sending information fast enough. It is not sending current info is read my account at a single dollar, while there is much more actually in the account. This is keeping me from being paid.
Consumer complaint received 2017-06-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

I submit paperwork for forbearance due to financial difficulty, ECSI claims that they never received my application. They then apply a late fee onto my bill, claiming that I am past due. I have tried to resolve this issue, but they ca n't put in a deferment for my student loans. I received today a billing statement saying I am past due.
Consumer complaint received 2018-10-22
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: BTH Management (MO)

this account was included in a BK chapter XXXX. and account was repossessed XX/XX/XXXX BK was XX/XX/XXXX and discharged XX/XX/XXXX
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have repeatedly reached out to this company regarding this issue and nothing has been done. There are recurring charges on my account. I have requested several times that my card is cancelled and another card reissued with a different number to prevent new charges. They have taken NO action to address my issue and prevent this issue from reoccurring. Your company needs to investigate this company and how this situation was handled. I spoke to someone from their back office a few months ago which stated the issue has been resolved and that I didn't have to worry about any future charges. That was completely false there are now two new charges on my account that shouldn't be and needs to be immediately removed. There was also supposedly a check issued to me for XXXX due to an overpayment which was never received. I will not be paying for charges not done by me. The incompetence of this company is baffling. Your inability to fix this issue orginally has called this situation to be prolonged. This requires immediate attention.