davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

I responded to an ad post on XXXX that was selling 2 tickets to a " Dead and Company '' concert at the XXXX XXXX in Washington State on XXXX XX/XX/2019. This incident occurred on XX/XX/2019. 

The ad ( since removed ) listed 2 tickets for {$120.00} each and provided a phone number ( XXXX ). The ad listed XXXX, XXXX and a few other options for payment, and stated that the tickets would be transferred over XXXX after payment. 

I sent a text message to the above number making an offer of {$140.00} for the pair of tickets, adding that I could make the payment over XXXX. Almost immediately, I received a response accepting the offer, but saying their XXXX was not working and asking to transact over XXXX. 

I had used XXXX once or twice in the past, so I didn't think much of it and agreed. The seller sent me the following information for the XXXX money transfer. 
Name : XXXX XXXX. Email : XXXX I transferred {$140.00} through XXXX from my Wells Fargo online account. A few minutes later, the seller said he received the notification from XXXX but " cancelled it by accident '', and that my money would be returned in 24 hours. He asked me to resend the payment. 

I sent him a screenshot from my side showing the confirmation number from XXXX. He insisted twice that I should try resending him the money. At this point I knew I was in a scam. After I asked him for a screenshot of the " cancellation '', he went silent and thereafter never responded. 

The following day ( XX/XX/XXXX ) I could see in in Wells Fargo account that the money had been taken out. I desperately sent another text to the above phone number, and even tried calling it to no avail. Seeing that the post was still up, I reported it to XXXX. Unfortunately, in my distressed state I did not remember to take a screenshot. 

On the same afternoon I called Wells Fargo and reported the scam. They took down the information and filed a claim. After about 2 weeks, I received a letter from them stating there was no error on their part, and they were closing the claim. I called them one last time to explain the issue on XX/XX/2019. The agent told me that transacting on XXXX is like transacting with cash and should only be done with known parties. 

While I now understand that Wells Fargo or XXXX do not guarantee against scams such as this one, I  think they can not shrug off all responsibility, since the scam occurred on their system. The scammer is presumably still using their facilities to defraud well meaning, unsuspecting users. At the very least they should make efforts to track down the scammer. I will not use XXXX again unless offered a one-time refund for this incident.
Consumer complaint received 2018-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

I was pressured into opening a new bank account at wells fargo, even though I already have 2 other ones. I opened a business account and deposited {$300.00} into the account. The teller told me that the account would have no fees, so I planned to just keep the {$300.00} in there until I actually started running the business.

Problem 1 : I asked numerous times to be able to access the account online through my online banking, nobody was able to help, so I was never able to access or view the account.

Problem 2 : I started receiving e-mails that the account was overdrawn. I've never once used the account to make a withdrawal or used any money in that account. Not the balance according to the e-mail is - {$14.00} when it was + {$300.00}.

Wells Fargo willfully lied to me and stole all the money out of my account while not allowing me to access the account. I'm not sure how this Bank is still in Business after all the horrible things they keep doing to people.
Consumer complaint received 2023-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (PA)

I'm XXXX and retired on XXXX. I've been having trouble with M & T bank for some time now. I will try to make this as short as possible. 1. A few years ago I had to file bankruptcy for my account with M & T. 2. Last year the bankruptcy was done. 3. M & T filed a sheriff sale on me. The amount they wanted me to pay to stop the sheriff sale and have my loan modified was the amount paid to them from the bankruptcy. 4. I received a phone call from a man identifying he was with M & T. He knew my account details and told me how much to send M & T to do the modification. 5. I sent the payments to the address, person, and made payable to M & T. 6. I made these payments for about 6 months and I then had a paper stuck on my mailbox from a realtor saying my home was in foreclosure. 7. I called M & T customer service in New York. After being on hold for quite some time the woman came back and told me I was going to be evicted because I didn't respond to the sheriff sale notification. I explained everything and she said there was nothing I could do. 8. I contacted the XXXX XXXX  XXXX and the referred me to XXXX XXXX XXXX and was assigned an attorney. 9. M & T denied any monies were ever paid to them from me or the bankruptcy. 10. I sent them copies of all my documents and money orders. My attorney also gave them copies. 11. The other day the sheriff served me with ejection papers, I contacted my attorney and he said that M & T has no intention of working with me. I asked to buy my home from them for what was owed on it but they don't want to work with me and my attorney said I might not have any options. 12. There has got to be something I can do to keep my home that my Dad built in the late 1950 's. Well that's basically my situation in a nutshell. I feel that M & T has been harassing me and lying to me for years. I'm not sure if that would fall under elderly abuse of any kind or not but I am emotionally and mentally fatigued and my health is going down hill over the worrying I'm under over this. I hope you can give me some advice or help so I can keep my home. Thank you and God bless, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, Pa. XXXX XXXX XXXX XXXX XXXX [ XXXX : XXXX ] XXXX
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My first communication with XXXX XXXX, XXXX was XX/XX/21. The second time was XX/XX/21. The third time communicating with XXXX XXXX XXXX was XX/XX/21. 

I requested XXXX XXXX, inc to provide me their method of verification and inaccurate information because the bankruptcy XXXX is reporting unlawfully and sharing to the TransUnion credit agency, and breaking the law. XXXX is breaking law because I have the RIGHT TO PRIVACY because the only institution allowed to publish my information is the United States Bankruptcy Court District of Massachusetts XXXX XXXX, and the website of Pacer.gov. 

XXXX XXXX XXXX XXXX broke the law THE RIGHT TO PRIVACY BY THE FCRA, and didnt help me, and didnt remove the inaccurate information reporting. 

XXXX XXXX XXXX XXXX Reply me with the same copy paste letter tree times.
Consumer complaint received 2021-11-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine.

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXXy showing on XXXX and Experian 2. XXXX XXXX - XXXX that is showing on Experian and XXXX 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX XXXX I was never 30 days late in XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; XXXX is reporting inaccurate lates 4. XXXX XXXX  - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX XXXX Experian , and XXXX is reporting inaccurate lates 5. XXXX XXXX  - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX, Experian, and XXXX is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc. (NY)

On XXXX, I received a bill from a company called " Aidvantage '' ( XXXX XXXX XXXX XXXX, TX XXXX ) in the amount of {$96.00}. It stated it was a current amount of " INTEREST DUE '' for an account # XXXX. I have NEVER any type of loan with them! It further stated there was an unpaid principal of {$10000.00}. The bill also has a logo for the US Dept of Education in the top upper right hand corner. Their contact phone number is XXXX. I contacted them on XX/XX/XXXX at XXXX XXXX  and it first asked for my account number or social security information. I entered the account number. Then asked for " customer service. '' The line then dropped the call. 
This bill is absolutely fraudulent. My parents fully paid off my student loan years ago and even when you look at the student.gov website it does verify that my balance is XXXX. 
This company is trying to say I have an outstanding {$10000.00} balance and now is trying to collect {$10000.00} plus interest according to an interest schedule they also provided, thus explaining the first fee of {$96.00}. 
They are requesting my payment be sent to : Aidvantage- Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX OR XXXX I would be happy to provide any other information you need to prove this fraudulent claim. Thank you for your assistance regarding this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX & XXXX Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$850.00} XXXX XXXX account. {$850.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$670.00} Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$520.00} XXXX XXXX account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. $ XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Account charged o FCRA violations XXXX payments never late XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX  XXXX Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$24000.00} Highest balance {$0.00} Terms 72 Months FCRA violations : not XXXX addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX, TX XXXX Resident type Single family FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX VI XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
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: Colony Brands, Inc. (MA)

I tried disputing through all the credit reporting agencies and they were told by the creditor XXXX XXXX the debt was verified. I tried contacting them XXXXXXXX XXXX for info about the debt and they wouldnt give me any and eventually hung up on me. I just noticed this on my reports and it was closed and charged off in XXXX. Because I have no idea what the debt was I disputed it and my score dropped almost a XXXX points just for asking for info about the debt.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (MO)

After Several attempts to work with XXXX XXXX  regarding inaccurate charges on my account they are refusing to remove late payments from credit report, although the account was closed before the charges took effect. I have paid whatever debt they claimed I owed and as a very loyal customer asked them to remove the late payments as the account has never been late and at the time of these " ALLEGED '' charges the account was closed. I have contacted XXXX and the credit bureaus several times regarding this matter with no success. At this time I am fed up and would like to exercise my rights to involve the attorney general and notify you all of these shady practices.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Counseling Centers LLC (FL)

I am in the DO NOT CALL LIST. 
The company CONSUMER COUNSELORS is calling me at least 10 times a day. 
It is a recorded message. 
I don't need and I don't want this service. 
I had waited until a human takes the phone and explained several times that I don ; t want their services. I also informed that I am in the do not call list and that I am going to report them. 

Also, I receive daily calls from XXXX XXXX, telephone XXXX XXXX XXXX. 

I want to STOP RECEIVING CALLS FROM these 2 companies, please. 

I want to report those 2 numbers. 

Thank you, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (CA)

Sears called to try to collect on an outstanding debt. I have consolidated my debt with XXXX and per them did not answer the phone. On Thursday XX/XX/XXXX, Sears collections called my ex husband about the debt. During this conversation they stated to my ex husband the company that I work for. I have been divorced for over 13 years, this debt was made after the divorce. They had no right to tell him where I work. I have no idea how they even got his phone number. He reached out to our daughter to let her know, she was able to get the phone number from him and it was the same number that had called me.
Consumer complaint received 2023-03-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Credit Card : Ending in # ... XXXX During the week of XX/XX/XXXX, I spoke to XXXX representative XXXX XXXX. She confirmed that if I made a payment to this credit card by Friday, XX/XX/XXXX, it would bring the account current and that no negative information would be reported to the Credit Bureaus. I made the payment on Friday, XX/XX/XXXX, as I promised. However, the next day, Saturday, XX/XX/XXXX, XXXX XXXX XXXX still reported me 30 days late on this credit card account. XXXX  has reported this information to all three Credit Bureaus, and my credit score has suffered significantly as a result ; negatively impacting my ability to buy a home.
Consumer complaint received 2020-11-09
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. (NY)

There are fraudulent accounts, inaccurate addresses, and inaccurate names on my credit report. These accounts XXXX and XXXX XXXX was removed from my credit report on XX/XX/2020 and on XX/XX/2020. Now I have discovered that the items have been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( b ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days ; which this was not done. These fraudulent accounts, inaccurate addresses, and inaccurate names must be removed from my credit profile ONCE and FOR ALL.
Consumer complaint received 2023-03-20
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: CrossCheck, Inc. (MD)

I previously submitted a complaint that is now closed where I requested CrossCheck to do the following : It has come to my knowledge that the companies listed in this complaint. have been supplying my personally identifiable information to 3rd parties without my knowledge or my consent. In accordance with the fair credit reporting act, these companies have violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. 15 USC 1681 section 602 a states I have a right to privacy. 15 USC 1681 section 604 A, section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) sections states : no, consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes, which, antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a customer to any consumer reporting agency, if the person knows, or has reasonable cause to believe that the information is inaccurate. 

crosscheck responded that it needed me to supply them with more of my personally identifiable information in order to process this request. There is enough information present in the complaint for them to respect my right to privacy guaranteed to me by the aforementioned statues and laws. Instead of respecting my right to privacy, CrossCheck is making me jump through hoops. I do not want them having my information, sharing my information, nor will I be voluntarily supplying them with any of my information. To expedite this process, you can find my ID attached to the complaint. Please note, I am doing this under duress, and if my request is not swiftly met with the requested action, I will pursue every penalty under the law. 

You will also find documents confirming my copyright, trademark, and notice of trespass fee schedule.
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

LVNV FUNDING LLC, XXXX XXXXXXXX XXXX  XXXX SC XXXX, has not told me the original creditor for this alleged collection. Therefore I do not know if this debt is valid. I can not contact the original creditor to verify this account as is my Federal and state right.

Under 15USC 1681 ( a ) ( i ) I can challenge this account and dispute its accuracy. 

I don't believe I owe these people a dime!
Consumer complaint received 2020-02-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Santander Consumer USA Holdings Inc. (MI)

My car was repossessed in 2019. I never received anything from them regarding the sale of car or my personal items from vehicle The car was them sold for {$500.00} and never received my belongings from vehicle
Consumer complaint received 2020-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

NewRez LLC not honoring our original mortgage service contract and is changing terms/fees to egregious levels in some cases raising fees from {$30.00} to {$30000.00}. 

Not only is this a breach of contract and fair dealing is beyond unethical.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I applied for a Verizon credit card from Synchrony bank a few weeks ago. The company pulled my credit from two bureaus and the company admitted they never pulled XX/XX/XXXX and to submit proof so theyd have it removed. A person called XXXX XXXX from Synchrony Bank told me to contact her at XXXX extension XXXX. Ive been calling that person for a week and she never answers or returns my calls. Effectively not fixing their mistake and not contacting me or caring in any way. 

If youre reading this XXXX XXXX, call me and provide direct contact information to submit a credit report showing your company indeed DID pull my XX/XX/XXXX. Ive left you multiple voice messages. It seems your company only cares when people file complaints.