davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX of XXXX I became unemployed at which time we spoke to Wells Fargo Mortgage company and they decided that if we could pay {$610.00} starting in XXXX of that year we would be safe. They gave us a renewal of the promise in XXXX of XXXX and we continuously paid thinking they were working with us and, as I am in education, they would wait until XXXX of XXXX before the situation worsened. In XXXX of XXXX while we were still paying the XXXX monthly one of my friends told me my house was on the foreclosure list and it was. It was listed as still owing {$200000.00} and being sold by a bank out of XXXX ( as Wells Fargo informed us as initially I reported it out of XXXX. The bank said it was extended from XXXX to XXXX ). My contract clearly states my mortgage can not be sold unless I am informed, we were never informed of anything. At one point Wells Fargo tried to blame XXXX for putting us into foreclosure, and then claimed we were still owned by them. We went through several changes with the bank, which you were previously told of but the matter is the monies involved during the transactions that can not be accounted for. 
We paid XXXX for 10 months as we were supposed to be on a plan to help us keep our home which amounts to {$6100.00}. 
In XX/XX/XXXX we paid {$26000.00} which they listed on their records on XX/XX/XXXX as {$18000.00}. 
Interesting enough it was listed on the foreclosure site as still owing {$200000.00} but suddenly it was now {$210000.00}. The {$26000.00} took us from the wrong aforementioned balance to XXXX. WHAT HAPPENED TO OUR MONEY? 
on XX/XX/XXXX after many mentions of non payment it says we paid {$2000.00} and now our balance was {$210000.00}. On another line still dated the XXXX of XX/XX/XXXX it says we paid {$6200.00} now making the balance {$210000.00}. In XXXX with no warning and without giving us any type of modification they raised our payment from {$2000.00} to {$2000.00}. 
Adding up the monies put given to Wells Fargo - {$26000.00} + {$6100.00} + {$2000.00} = {$34000.00}. Wells Fargo has not only raised the amount still owed on the property but also claimed it was only paid {$26000.00}. I need to know where the rest of the money is and what right do they have to raise our mortgage payment. and take {$8100.00} with no explanation of same. 
I have a letter from Wells Fargo stating if we brought the mortgage current we would not have to pay lawyer fees or late fees. In addition to same they have mentioned it in several of the audio recordings I have. 
It is against the law to just raise someones mortgage without notification and why. 
Where is our {$8100.00}. 
How did it go from {$200000.00} back to {$210000.00}. 
Why does Wells Fargo do this to people and get away with it. 
Is there a class action lawsuit in progress we can join. 

It is important to note that XXXX X 12 mos X 16 years equals {$390000.00} dollars why than are they charging this astronomical price.
Consumer complaint received 2021-12-07
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. (FL)

XXXX XXXX XXXX financed through XXXX sold and no longer ours as of XXXX XXXX. Payoff via XXXX to XXXX! Let us all see how long it takes to go onto my and my daughter 's credit to improve our score and debt to income for all of us????
Consumer complaint received 2018-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/2018 received a direct deposit check from my employer. Within a few hours upon the deposit, the bank just auto deposit one for {$120.00} for my car loan and {$150.00} for my credit card. I called the bank to try to set up arrangements or try to solve the problem however the bank refuses to give my money back when they knowingly took my money from my account without my approval. There had been times that the bank has try collect payments which led to my account being overdrawn.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (ID)

My corporate credit card is with Citibank. I lost my card around the end of XX/XX/XXXX. I was sent a new card. Since then I haven't been able to get an online statement or look at my charges. I've talked to Customer Service at least ten times and have spent hours on the phone trying to resolve this and set up new user names and passwords, but none of them have worked.
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

PAYPAL STOLE ALL DONATIONS I DID RECEIVE TO MY PAYPAL PRIVATE FUNDRAISER FOR THE AMOUNT OF {$2500.00} I CREATED THE PAYPAL FUNDRAISER A WHILE AGO. AS SOON AS I RECEIVED MONEY THE FUNDS HAVE BEEN FROZEN! AND NOW MY BALANCE IS XXXX!!!! 
PAYPAL IS A CRIMINAL ORGANIZATION AND MUST BE PROSECUTED!
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. (NE)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX Card, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I made my typical monthly payment to XXXX on XX/XX/XXXX only to have it returned to me in XX/XX/XXXX. When I called to find out why they sent me a check for the same amount of XXXX they stated my loan was due to be paid off by XX/XX/XXXX which I was not aware of. 
I asked them how this would impact my credit since I did make the payment and they said it most likely would show delinquent. I ended up wiring the payoff amount immediately after finding out it was due for XXXX on XX/XX/XXXX. I just checked my credit history and it is showing delinquent for not only XX/XX/XXXX but for XXXX too. I have attached screenshots from XXXX to show payments were received and therefore should not be delinquent for both months.
Consumer complaint received 2018-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX ) and the debt collector.

I need to see any documents in its original form bearing my signature.

I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested.

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to me.
Consumer complaint received 2022-07-25
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. (NC)

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
15 U.S.C 1681 States I have the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 States a consumer reporting agency can not furnish a account without my written instruction. I have taken the necessary steps to get this handled and nothing has been done. These things need to be removed immediately : XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer for reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-21
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. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX Bankruptcy 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 2018-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

Caine and Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX {$680.00} The debt collection firm is trying to collect on a debt that is not mine. This was to be resolved after my communication with them and advising them that the charges were either someone else or fraud. 

This debt collector was advised that they are not to put erroneous information on my credit report as it a item that is not mine. 

I have sent them a letter to request the forms to put this in as fraud and they can not provide as it was paid in full by XXXX. These bills are not mine and I have requested signatures to provide proof that they are mine. 

This company is abusive in their practices on the call and have been reporting on bills that are up to 4 years old. The information is incorrect and they are not listening just billing me and putting wrong information on my credit report.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Greetings & Salutations, Have a issue with bank of America credit card. The account was sent to collections & I sent out a debt validation letter on XX/XX/2014 & received a response on XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX. 

Your recent communication regarding the above debat was received. The account has been closed in our office, & we are no longer servicing this account. Due to being unable to validate the debt. 

Bank of America won't take the {$6200.00} off of my credit report. I reported this to the credit reporting agency on XXXX, XXXX, & etc .... 

I called Bank of America for the account & they refuse to take off the debt on my credit report even though they are unable to verify the debt & no contract was signed for the debt & is a unsecured debt. The credit reporting agency takes the creditors word for it, due to being unable to ask for evidence from the banks. 

As a result, the statue of limitations is 6 years in Washington state & have to come off my report. Having the same issue with XXXX card regarding the the same result mentioned above. 

Sincerely, UCC 1-308 Without Prejudice XXXX XXXX
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have filed a recent CFPB complaint on Bank of America, I had my card reported to Bank of America as being lost and certain transactions I never did and nobody ever handled my issue and I was transferred constantly to department to department and I was ignored about my situation, I reported to several people and nothing resolved and my card was lost and I spoke to customer service and card services about it nothing done and I found the hard when my account was closed and nothing was sent to my house to inform me that the account was closed I just recently had a woman from the compliance department call me an antagonized me on the phone and called me a liar I 'm going to file complaints with other agencies about this situation when I tried to explain what happen I was called a liar and said I made transactions in when I told her I did n't she admittedly went off on me and sent a correspondence to cfpb which I want a supervisor to give me a call because Bank of America did not resolve my situation I do n't appreciate how I was treated I will other complaints this tells I ca n't trust Bank of America do to the fact of how my situation was ignored and how it was handled by the rep which when I ask to speak to a supervisor I was hung up on I 'm very frustrated and angry because I reported what happened to me and nothing was done but I was accused by the rep that called and did not listen and did not care I want a supervisor call me or I will get in touch with corporate to file a complaint against the rep
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I applied for a home equity line of credit one month ago. The lender was unable to retrieve my credit report from Experian. I was informed that a fraud alert was on the account. I called Experian seven times over the last month. I uploaded the requested documentation at Experian.com/upload. I mailed in a hard copy of the requested documentation by USPS. I was informed that the fraud alert had been permanently removed. 

My lender still can not retrieve my credit report. I spoke with two separate Experian tier 1 supervisors, XXXX and XXXX, yesterday who both told me, There is nothing I can do and when I asked them what to do next, they both said, I dont know. 

Meanwhile my loan has been approved but can not be processed without the credit report from Experian.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Today I called  Capital One  to open an account for a new credit card. I have a credit freeze on my account So I called to find out what credit services they use to get a PIN to provide them with so they could pull the reports. I was told that the only way I could proceed was to release the freeze on all  XXXX  credit bureaus for a period of at least 10 days. I told them that I had a freeze on my account for a reason and did not want to open the account to everyone and for a period of more than 10 days. The response that that was fine, this is what our policy is and I could go elsewhere. I asked for a copy of the policy they said no, it was an internal policy and they were not required to provide it to me. I asked why if the credit bureau had a way for me to open the files with a PIN that I would then provide to them so that no one else could have access to my file. Why they were unwilling to accept this. Again I got that not how we do things here at Capitol One. We do n't care if your bureau files are exposed to anyone and for how long.
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Bread Financial Holdings, Inc. (IL)

In XXXX on XX/XX/XXXX I purchased a XXXX XXXX/Original XXXX purse with a light blue prairie lining online for {$130.00}. I used my XXXX Mastercard for the purchase. The receipt confirmed the purchase of this purse. Months went by and nothing arrived. Then I received a cheap red plastic tote from a company in XXXX. The merchant admitted fault for both the delay and sending the wrong purse. The purse that I ordered was sent to someone else. The merchant never sent the right purse and did not issue a refund. I e-mailed the credit card company by logging into my account and the asked me to send a letter. I sent a letter in mid XX/XX/XXXX but so far there has been no further correspondence or a refund. I am a XXXX XXXX and now traveling in XXXX and XXXX until XXXX so I need to have this resolved so that I have the money refunded for travel. 

Here is the disputed transaction : XX/XX/XXXX XXXX XXXX XXXX Charge {$130.00} XX/XX/XXXX FOREIGN TRANSACTION FEE Charge {$3.00} Also, when I called the XXXX card to report fraud, there was a major problem with their phone system and I was repeatedly routed through an advertisement for a {$100.00} shopping card for {$1.00} and never reached a human. Every time I tried to navigate through the system to reach someone I was sent back to this same advertisement that kept repeating. 
After 30 min still no human to speak with. There was no way to connect with anyone. The XXXX card site says that its call center is open 24 hours a day. But I called at XXXX in the Midwest and could not reach anyone. 

Next, I had no clue that I was purchasing from XXXX and was surprised by the foreign transaction fee. The merchant should have disclosed their location and needs to be held accountable. 

Finally, they over-charged me. The purchase was {$110.00} and they billed my card for {$130.00}. They also send a weird e-mail saying that my purchase through XXXX would appear on my card as XXXX. So no aspect of this transaction was transparent -- the vendor even used a fake name. 

Here is how the charge also appears : XXXX XXXX XXXX XXXX XXXX Total {$130.00}
Consumer complaint received 2019-03-27
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. (AL)

Experian continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. My payment date was changed with XXXX XXXX in XX/XX/2016, but Experian never updated the payment date on their side to reflect the new payment date. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2018-10-21
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. (VA)

" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''