davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

My wife and I recently refinanced and paid off our Wells Fargo mortgage loan. We paid our own insurance and taxes and no escrow was ever opened under our Wells mortgage. According to Wells ' XXXX/XXXX/15 payoff quote, the total amount due through XX/XX/XXXX was {$370000.00}. Also per the payoff quote, for each additional day, per diem interest of {$33.00} was required. Our transaction closed on XX/XX/XXXX, but on a refi there is a mandatory 3-day rescission period ( excluding Sundays ) before funding can take place. So the funding date for the loan was XXXX. XXXX XXXX added 7 days of per diem interest to the payoff, which made it good through XX/XX/XXXX ( {$33.00} x XXXX = {$230.00} + {$370000.00} = {$370000.00} ). The wire confirmation I have obtained from the title company reflects that {$370000.00} landed in Wells ' account on XX/XX/XXXX. At this point, Wells owed me 1 day of per diem overage totaling {$33.00}. 

Also on XX/XX/XXXX, Wells accepted an automated monthly P & I payment of {$1700.00}. Because my loan had already paid off, Wells now owed me a total of {$1800.00} ( {$1700.00} + {$33.00} ). 

Bizarrely, on XXXX/XXXX/15, I received a " Notice of payoff shortage '' letter from Wells telling me I owed Wells {$47.00}. Because this appeared to be in error, I called Wells, and after getting bounced around to numerous representatives I finally spoke to someone who said Wells would open a " work order '' and that they would issue me a check in the correct amount. 

Perplexingly, Wells then sent me a check dated XXXX/XXXX/15 in the amount of {$1700.00}. After more calls and getting passed around to a bunch more representatives I was connected to a Wells representative named XXXX XXXX, who promised to look into all this and get back to me. I gave her my work number and asked her to reach me there during business hours. She did not call. I called her and left a message for her to call me at work. She called me back a few days later, during business hours, but at home. I left her several more messages. She called me at work, but after business hours. I left her several more messages asking her to call me at my work number, between XXXX and XXXX CT. 

I have n't heard back from XXXX and Wells still owes me {$80.00} ( {$1800.00} - {$1700.00} ).
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AP)

XX/XX/XXXX, XXXX and XXXX I've called Chase informing them I've once again been locked out of my account. They know I'm a military family stationed overseas and claim that they can use my international number. XX/XX/XXXX and XXXX I informed them I can not get into my account and my bill is due soon. The customer service representative abruptly hung up as i was speaking. This is the second time they've done this and the first time it affected my credit score, as they marked my payment as late, knowing i called over 5 times with no resolve. It wasn't until they gave me a late payment charge that they allowed me to pay over the phone. I had told them then that the prompt to pay wasn't an option it was giving when i called in. There is a token option in which representatives choose to disregard, knowing it's the only way to get me into my account. Suddenly, i keep having to go through extra verification steps they can't claim they can't get through even when i answer security questions correctly.
Consumer complaint received 2024-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

On Friday XX/XX/year>! Myself and XXXX XXXX my fiancee called New Rez 3 times, to resolve the following issue on one of our two mortgages they have with us.

Issue one! 
To reverse the misapplied late fee XXXX that they put into a debt collections it wasn't even valid.- three calls three employees each and everyone would get to a stage then hang up on us so we had to call again. 

Issue two!

they applied an overpayment to the principal instead of the mortgage payment and hung up on us when we neared the end of the conversation ( 3times ) so we don't know what happened. {$770.00} Issue three!

We can not get online to my account and we call and they hang up on us.
Consumer complaint received 2016-11-24
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WELLS FARGO & COMPANY (MS)

I payed XXXX XXXX on XXXX and revived an conformation nuber on XXXX saying that it 's been payed than I mack an order with XXXX and received an conformation no. Saying it wose payed an being delivered on XXXX than I go an look for it and than its been canceled so I XXXX a XXXX order and it wood not approve the transaction come to find out the payment has ever been returned but not to the fargo acount I payed with
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, XXXX XXXX XXXX provided paperwork stating the information reporting on a credit report is correct. XXXX XXXX XXXX provided a detailed payment history showing the end balance owed was {$7300.00} ( please see attachment ). 

On XX/XX/2022, letters were sent to said bureau requesting the information be deleted because the amount being reported is incorrect ( please see attachment ). According to the FCRA, all information reporting on a credit report must be accurate and must have supporting documentation and that document be provided when requested by the consumer. 

On the most recent report, XXXX XXXX XXXX is still reporting the account as a collection with a balance of {$17.00}, XXXX.
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NV)

RE : Experian RE : XXXX XXXX I come to you again regarding Experian claiming to investigate debt under FCRA, and not providing proof of how they conducted reinvestigation of debt, nor furnished proof and validity of debt that is not mine.
Consumer complaint received 2018-05-11
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. (TX)

I have been trying for months to dispute a lot of the information that the company still has on my credit report. When I try to login it shows me a error message of the page not being found and then Im directed to purchase a membership that I do not want. I have called several times to correct this issue because all of my evidence is located within my phone. The issues is still not remedied. I recently disputed the same issues through XXXX and the items on my report went from 22 to just 9.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WI)

I recently rec 'd a letter from Wells Fargo telling me I 'm in arrears in taxes, utilities, etc. This is clearly impossible as I have the canceled check for the utilities and a receipt for property taxes. With all the fraud going on by them, and the implied threat in the letter, I can just imagine that 'll try and call the loan in and I 'll be fighting them in court. They are immensely corrupt and arrogant as I 've had to deal with them in the past. My loan has always been paid on time with extra thrown in. When I wanted them to rewrite the loan when the rates went down, they refused. When I said I could go somewhere else they told me go ahead, we do n't care! Their corporate attitude is abysmal! The also told me XXXX had to make the change as they just service it. XXXX says that 's not true and that it 's up to Wells Fargo to make any changes. The whole banking industry needs to be revamped!!
Consumer complaint received 2022-06-15
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. (SC)

On XX/XX/2022, XXXX XXXX XXXX provided paperwork stating the information reporting on a credit report is correct. XXXX XXXX XXXX provided a detailed payment history showing the end balance owed was {$7300.00} ( please see attachment ). 

On XX/XX/2022, letters were sent to said bureau requesting the information be deleted because the amount being reported is incorrect ( please see attachment ). According to the FCRA, all information reporting on a credit report must be accurate and must have supporting documentation and that document be provided when requested by the consumer. 

On the most recent report, XXXX XXXX XXXX is still reporting the account as a collection with a balance of {$17.00}, XXXX.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I applied for the Chase Freedom XXXX world elite. It was approved of the amount of {$400.00}. Then I receive a letter saying I did not get approved. I do not understand why they have given me false information. Also i need to know if they have run my credit more then once. The company is Chase JP MORGAN CHASE BANK
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (PA)

I noticed an inquiry on my credit report from XXXX. I do not recognize that company. I notified Equifax and XXXX about the unauthorized inquiry and was told do another dispute. I have disputed this matter before with no avail. 

This should not be furnished on my report as it is in Violation!! Under, 15 U.S. Code1681c-2 a consumer reporting agency shall block the reporting of any information any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These inquiry should not be furnished on my consumer report as they are in VIOLATION! Under,15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items immediately.
Consumer complaint received 2016-03-21
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (TX)

A 1-2-3 Rewards debit card issued through Kroger by US Bank was cracked again. This time the card was hacked for about {$120.00}. This is the second time this has happened in the last year. 

Last time it took their XXXX division months to resolve the issue. I was told I would receive a refund, but I never did. I called them several times about the refund but only got jack around by customer service. 

After I complained about the compromised card this time, I was locked out of my account. 1-2-3 Rewards customer service is usually rude, they act like they do n't care, and have hinted in the past that the result of the hacking was my fault. That is a preposterous notion! 

I have lost confidence in these people, they did n't resolve the problem in the past, and they were not willing to work it out. I hardly heard from them. 

I would like a full refund of the amount that was on the card before the hacker ( s ) made an unauthorized charge to the card, and then I want to close the card permanently. 

I was a good customer, for a long time, but I can see that they do n't value good customers. I have little faith that I will ever re-coop the funds that where electronically stolen form my 1-2-3 rewards card backed by US Bank, so I will be a good citizen and inform the authorities. 

I trusted Kroger with my funds, they let me down ; therefore the breach in security was not my fault. This happens everyday to people. Gradually, day-by-day, consumers will abandoned credit cards, because they will be tired of getting ripped-off by cyber criminals. 

Avoid all prepaid credit cards!!! BEWARE!!
Consumer complaint received 2022-11-04
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. (NV)

I filed a dispute with CFPB on Experian. The dispute number is XXXX. Experian has ignored my attached documentation that was sent with the prior dispute. Experian claims they did not get my documentation which was a copy of my passport and my utility bill. Experian continues to display a address that does not belong to me along with accounts that is attached to the address. XXXX XXXX XXXXXXXX XXXX XXXX ohio XXXXXXXX XXXX XXXX XXXX XXXX  All these accounts are attached to the above address. I have started legal representation because Experian has broken several FCRA laws. CFPB has not helped and I will be reaching out to FTC. No consumer should have to endure this craziness! Remove these erroneous accounts immediately!
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am workinging with a lender on XXXX t nightI applied for a loan. By XXXX am XXXX I began receiving calls and texts from other lenders. I received XXXX calls and XXXX texts in one day. When I asked how they received my information they all said fro. trans union. 
I never had to sign up to use trans union it is an automatic punishment for needing credit in this world. I only have access to my own credit report once a year, I can't even get an accurate credit number. yet somehow they have a right to sell.my personal.information to anyone. if I could fire them I would but again I have no choice. This in itself is some sort of fraud but to then sell my information. They should be dismantled.
Consumer complaint received 2020-06-05
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: GOLDMAN SACHS BANK USA (PA)

Two charges were made to my account. None were authorized by me. Contacted multiple times to different departments and the bank. Nothing was done. Slap in the face. Im not paying for something I never bought or received.
Consumer complaint received 2022-07-23
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. (SC)

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize having any agreement with any of these account above and i am not liable for these accounts, These alleged debts are not mine i never enterted XXXX signed agreement or completed an original contract with any of them.These inaccurate collections are NOT MINE.I never provided any written consent or premissible purpose for these allege creditors to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Consumer complaint received 2015-09-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (FL)

XXXX has totally ignored the XXXX in respect to my loan. My loan is in an ongoing foreclosure case. I qualified for the XXXX, completed the application, sent it to XXXX along with all documentation in 2012. They repeatedly asked for the same documents acting as if they could not find or " did not receive '' the documents. Please see the attached documents that were just filed with the XXXX XXXX Florida Courts on this past Monday. I have proof from third party verification of documents being supplied to them, the documents supplied, and my appeal to them when they would claim they had not received the documents. And then more document requests afterwards. Then they transferred the servicing of the loan to Residential Credit Solutions whom now say they do not have to abide by the terms of the XXXX and are forcefully moving towards a foreclosure hearing when my original loan modification has not been concluded or even offered. I definitely fit every detail required for a loan modification that would require a significant reduction in principle and they are acting in bad faith to circumvent the required relief that I seek.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (TN)

I did not authorize the following inquiries on my credit report : XXXX  - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX - XXXX, XXXX 2020. I have attached all the required identity documents to this complaint including ; photo ID, social security card, proof of address. There is no reason for Experian to not complete this complaint.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NH)

My mortgage company ( U.S. Bank ) is now charging {$5.00} for every online payment made. I emailed U.S. Bank and received no response. I discovered that I could waive the fee beginning XXXX XXXX if I enrolled in automatic draft from my checking account which I setup. The open item is my XXXX XXXX payment. I called them on XXXX XXXX ( ~XXXX ) and spoke with " XXXX '' who said they would not waive the fee. I then asked to talk with his supervisor and " XXXX '' a Senior Representative indicated the same. I feel that U.S. Bank does not have the right to charge a fee for online payments without automatic draft as this was not done prior to XXXX XXXX. As such, I feel that it is a case of bait and switch, which is illegal as this was not communicated when I originated my loan with them. They indicated the only way out of paying their fee was to mail in a check, but this will cost me a stamp ( not cheap ).