davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I have tried on numerous occasions to come to some sort of an agreement with Wells Fargo on my HELOC account. I am having trouble repaying the loan, and am looking for some restructuring of the debt to bring the payments lower. I had gone through the process once, and not only did it take a long time to go through, mostly because the person assigned to my case would not return my calls for assistance on the paperwork, or would as for items, and then tell me that she actually needed other documentation instead. I spent more time on back and forth, then actually sitting down to discuss options for a solution. Basically I felt like I was given the run around and in the end, told there was nothing they can do. I am a senior citizen, on a fixed income. The payments now are interest only, but will soon become P & I payments. I am behind since XXXX, and have medical issues that I need to budget my fixed income to take care of. I learned that there was actually a law suit against Wells Fargo by other customers who also went through the same situation. They found that Wells Fargo did not help those searching for assistance in a timely fashion and lost their homes to foreclosure. Another thing adding to this is the fact that my daughter was tricked into signing papers on the loan. She had power of attorney over my financials, and the loan agent at Wells Fargo told her that she was signing documents showing her power of attorney, when in fact it put her on the loan as a co-signer. Because of this her income is looked at to make decisions on my repayment ability, when in fact it should not. She has her own home and finances to worry about. This is a slimy tactic for the bank to use and now put her and my son-in-law in this mess. My son in law who also works for a bank stated to me that there are lots of programs out there that can help to modify the terms of the loan, so that the payments are manageable and I can for fill my obligation. He also stated that at his bank, they do riders and mods all the time to release parties from various loans as long as both parties sign the paperwork to do so. Now My daughter is trying to go through this process with me again, and again, we are getting no communication or feedback from anyone at Wells Fargo. I am asking that someone help me to please have these people help to restructure my loan into payments I can afford based off my fixed income. I also want my daughter removed from the loan documents, as she no longer has power of attorney and has no interest on the property being used. That and the fact she was tricked into thinking she was being listed as an authorized person to act on my behalf on the account, not to be responsible for it.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Information not correct please be provide info and remove from my credit.XXXX XXXX   for XXXX and XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for XXXX $
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCA Collections, Inc. (SC)

Information not correct please be provide info and remove from my credit.XXXX XXXX for XXXX and XXXX, XXXX XXXX forXXXX and XXXX XXXX XXXX for XXXX $
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (SC)

XXXX XXXX for the XXXX XXXX and XXXX for XXXX $ .this matter was resolved in court with no know of this amount .this is being reported wrong.can this be removed of my credit.can you remove from my XXXX, XXXX, and XXXX reports
Consumer complaint received 2023-04-01
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

Online Payment XXXX To XXXX XXXX XXXX XX/XX/XXXX Bill payment {$89.00}. I deleted all the payments in the system made to XXXX XXXX. I called XXXX XXXX and asked if they could reverse the payment. They informed me they would bill a {$25.00} dollar charge if they did. I informed the representative that it would be okay. The representative came back and stated he could not or did not want to reverse the payment. I worked for a XXXX XXXX, XXXX XXXX and they have that option in their system. The representative told me to call the bank. I called the bank and the representative informed me that she was unwilling to reverse the charge. I would like to inquire as to why I am not getting proper treatment.The banking institution is Chase Bank. Please assist me I know there are consumer laws in texas and consumer rights. I feel this is harassment and discrimination because of the previous complaints that I have filed with the bank. I have been informed by banking representatives that because I am not XXXX they would not assist me. I have made request for disputes and the representatives are rude and play games over the phone. I called and complained about these representatives and this is the outcome of my complaints. What banking regulations would allow that I consumer not be able to have a charge reversed. Please Assist me.
Consumer complaint received 2019-07-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

CFPB APPEAL REGARDING XXXX XXXX FROM Bank of America regulatory home loans division LETTER dated XX/XX/XXXX. Mr XXXX XXXX provided FALSE Ilformation to the cfpb regarding my loans lines if credit credit inquiries loan apps ( I will address all seperatelt ) recorded but not necessary valid. 
Bank of America denies a recorded loan # XXXX as per Mr XXXX XX/XX/XXXX letter. 
Attached is my XX/XX/XXXX XXXX credit report with the loan # XXXX recorded and documented that bank of America placed on my personal credit but denies it. 
BUT RECORDED ON XX/XX/XXXX XXXX  credit report it states # XXXX as BAC   LOAN but then XXXX ( as per attached screenshot from their XXXX XXXX report ) changed it to read as loan # XXXX as bank of America at XXXX in XX/XX/XXXX as per XXXX letter to me. 
MY PAID FAX # XXXX boa can send me the info anytime.
Consumer complaint received 2019-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Professionals, Inc. (CA)

I filed a complaint here back in 2018 and addressed 3 different collection agencies who were violating the fair debt collection practices and had negative results. Only 1 company responded with incorrect information and the case was closed. 
Further research showed that XXXX XXXX, XXXX XXXX  and action professionals have been incorrectly reporting my debt information for years and also repeatedly reporting the same date frequent enough to make the debts appear recent even though they were 4 or more years old. 
My complaint was not sufficiently handled and the debt collectors are still harassing me and ruining my chances at fixing my credit. I'm the consumer here, where's the fairness and justice.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (LA)

Im a 100 % 22 years XXXX  military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019
Consumer complaint received 2023-04-01
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/19 I received a call from samone who identified as a family member requesting that I send a XXXX payment. Because I typically send payments to that particular family through others I wasnt reluctant to send the payment. I called that family member on XX/XX/19 concerned that they had not received the funds. At that moment that had advised they never called and it wasnt them that made the request. I immediately called my bank to make them aware and file a dispute. They said that this will be filed and take 10 business days which I was advised no later than XX/XX/19. I have not received any paper work from Wells Fargo not via mail or email regarding my claim. Every time I call Im transferred several times. It pains me to see that my bank is supposed to protect me and yet they havent. Out of the millions of customers Wells Fargo has defrauded they should be more helpful to the customers whos remained loyal to them after all the things that have transpired. Its {$90.00}! Thats not going to XXXX  them to credit a customer who never disputes anything. My cell phone service was turned off over this! I had to do without gas and no one takes this serious. Its sad. I want someone to do something about this!
Consumer complaint received 2019-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (NE)

First National Bank of Omaha - XX/XX/2019 is one example..when my checking account balance is low a transaction will go through my account and my account will automatically overdraft where i am charged a XXXX fee. The transaction is not listed on the account or the app or website so i have no idea what they tried to process in my account and im automatically over drafted with no opportunity to bring the account in good standing before the close of the day which is ironic because i will authorize payments before noon on a friday and the bank will hold the transactions until the end of the business day on Monday basically two full days. I believe they are manipulating transactions and should be looked into. Furthermore my overdraft coverage is manipulated to where i will select basic overdraft coverage get approved then go back to app website and it will say no basic overdraft coverage
Consumer complaint received 2018-12-18
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 had 7 student loans that were paid in full on XX/XX/. XXXX XXXX XXXX sent an update to the credit bureaus to reflect that the account was paid in full. On Experian an additional piece of information was recorded. A " Failed to Pay '' was recorded forXX/XX/XXXX which was in error. I called the XXXX XXXX XXXX to ask them to fix the incorrectly reported item and they said they don't report payment history and that the error is with Experian. 

I called Experian and explained the issue and they created a dispute but to confirm balance and status and XXXX XXXX XXXX confirmed the info was accurate. Because Experian did not dispute the payment history it was not corrected. I wrote Experian a letter explaining again that I was disputing the payment history for XX/XX/XXXX Again they created a new dispute but only for balance and status and again XXXX XXXX XXXX confirmed. 

The issue is that a Failed to Pay was incorrectly recorded for XX/XX/. Experian is not disputing the correct information with the XXXX XXXX XXXX and so its not getting corrected. My score has already dropped over 60 points due to this error and I'm in the middle of escrow. I have copies of the letters and letter tracking that I mailed to both Experian and XXXX XXXX XXXX. I can't get either one to  correct the error.
Consumer complaint received 2018-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number XXXX.
Consumer complaint received 2019-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NC)

FRAUD SECOND ACCOUNT AT WELLS FARGO!!!! OPENED XXXX XXXX XXXX # XXXX as per attached credit report from XXXX credit agency PAYMENTS NOt DEDUCTED FROM MY BALANCE of # XXXX ACCOUNT OPENED XXXX XXXX FOR my XXXX XXXX. 
I have emailed wells Fargo board of communications attention XXXX numerous times. 
I have called XXXX at Wfds XXXX # customer service numerous times. I have sent a certified letter to .XXXX XXXX in California . 
I need the details of how this second fraud account recorded on my credit occurred and details of payments to the # XXXX account and the hard inquiry XXXX XXXX XXXX asap. Wells Fargo denied via their XXXX letter that thiis happened appeal to the cfpb to place sanction against Wells Fargo for false information.
Consumer complaint received 2018-05-18
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: MOHELA (NJ)

Mohela DE posted two negative accounts on my credit report for a student loan that I don't know anything about. The first time when their representative called me to pay Mohela for student Loan, she asked me for my birth date. I said I don't have any account with Mohela I never signed any application form for student loan with Mohela. Please, send me the application form that I signed for Student Loan with Mohela.

The second time, I spoke with XXXX from Mohela. XXXX asked to send my signature to Mohela. I sent the color copy of the first page of my valid passport with my signature, the color copy of my social security Card with my signature and the copy of my driver license with my signature.

After receiving those copies, Mohela told me they need a more recent copy. I said I do not have recent copy.

Despite my effort, Mohela is keeping two negative accounts on my credit report. I think It is predatory to mess up the credit report of a customer without verification Thank you, XXXX XXXX
Consumer complaint received 2023-04-01
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (VA)

On XX/XX/18, a certified letter was sent to Trident Management regarding a debt owed in the amount of {$720.00} on my credit report. I specifically asked for authorization and validation bearing my signature regarding this said debt as I'm not aware of this claim. I was instead sent a bill demanding payment. I have been disputing this debt for a year now to no avail. Upon further investigation, XXXX reviews, and XXXX reviews, this company has been labeled as reporting fraudulent activity on consumer reports. I demand that they sent me validation of said claim or contact all 3 major credit bureaus to have this item deleted.
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

In XX/XX/XXXXwe refinanced our home with XXXX XXXX XXXX, making bi-weekly payments throughout the years until XX/XX/XXXX. In XX/XX/XXXX we were advised our mortgage was being transferred to Select Portfolio Servicing ( SPS ) with no interruptions or changes to our current agreement with XXXX. However, in XX/XX/XXXX we contacted Select Portfolio Servicing ( SPS ) after noticing a payment had not been deducted from our bank. We were told at that point by SPS no payment was due until XX/XX/XXXX because we had overpaid XXXX. We requested to continue paying our monthly note and the " over payment '' be applied to the principal balance amount. We were told that was n't possible and the amount due in XX/XX/XXXX would be the daily compounded interest plus the monthly amount due, which will be in excess of over {$2000.00}. We have however continued to pay our monthly note only to have the principal balance increasing monthly. We have contacted several agencies to help with this situation only to be told unless we are at risk for foreclosure or behind in our payments we do n't qualify for any assistance in resolving this matter.
Consumer complaint received 2023-04-01
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-06
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-08
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. (CA)

I was a victim of identity theft and have been trying to get my life back together, and have endured financial struggles due to the theft. I am almost homeless, and have taken all opportunities to survive. I have been trying to open checking accounts, as well as get a loan, and have been turned down each time. each of the credit agencies, as well as XXXX XXXX XXXX XXXX XXXX, and XXXX have contributed to these denials. XXXX XXXX XXXX, XXXX XXXX, and XXXX have closed accounts without giving me an explanation of why.
Consumer complaint received 2019-07-20
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. (ND)

The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX, $ XXXX and XXXX XXXX, {$290.00}, XX/XX/XXXX. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2019-07-20
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. (ND)

The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX, $ XXXX and XXXX XXXX, {$290.00}, XX/XX/2016. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.