davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

During the year XXXX we were in the process of refinancing our Wells Fargo FHA mortgage. In XX/XX/XXXX Wells Fargo erroneously sold our property without our knowledge. This of course caused XXXX XXXX XXXX XXXX, XXXX  and embarrassment to us and our family. 

We have been requesting that they correct the documents to reflect the accurate ownership and mortgage balance, which to this day still has not been done. The mortgage balance in XX/XX/XXXX was $ XXXX and we have made XXXX mortgage payments since then. 

Trying to navigate through this labyrinth of mortgage company contacts as theyve changed over the years and numerous office closures due to COVID issues etc has been overwhelming and crippling at times. This is not fair and I feel that we have been victimized in this process and perhaps Wells Fargo is hoping that we will give up and go away due to frustration. I see that we are not the only ones who were affected by questionable practices over the years and this is extremely unfortunate. Whatever you can do to help us would be greatly appreciated.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In lew of my previous complaint with Bank of America, I called them yesterday to request a print out of all transactions from my business checking account ending in XXXX. They are aware that I am getting a case against them for stealing {$5100.00} by proving the debits they took out on the agreed amount of {$100.00} per month from XX/XX/XXXX to late XXXX. They will continue giving me the run-a-round. I have a right to the records of my checking accounts.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2022, I wrote check # XXXX in the amount of {$2500.00} from my checking account with Fifth Third Bank. I put it in the U.S. Mail from my law office. I check my account online daily, and I noted that this check cleared my account ( and the funds were deducted from my balance ) on or about XX/XX/2022. ( The bank records indicate that this check " posted '' to my account on XX/XX/2022. ) I therefore did not pay further attention to it. 

Several weeks later, the payee asked if I had sent him this check. When he said he had not received it, and I re-examined my account, I clicked the hyperlink that showed me the image of the check. The back of the check was indorsed by TWO people, rather than the single payee on the front of the check. I promptly reported this to Fifth Third and physically went to a bank branch to submit a fraud report on XX/XX/2022. 

Since that time ( after many weeks ), I learned that XXXX XXXX XXXXXXXX had honored the check and was told that because XXXX had so many problems with fraud, it could take up to 180 BUSINESS days to resolve the issue and refund my money. 

I have been in regular communication with the banker that took my fraud report. She states that she has no other information and could not give me any other person to discuss this with. I subsequently talked to her supervisor -- months later and after 6 telephone calls -- and she continues to give me the same information. She told me that this had been escalated again and that HER supervisor would contact me. He has never attempted to do so. 

After six months of making this my problem, with no resolution in sight, I have been given no choice but to file this complaint. I previously informed all of the bankers that I spoke with that I would be doing so. No one has cared enough to return my call since then, much less resolve the problem. I have also informed the bank that I intend to file a Complaint in Small Claims Court, which I intend to do.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (KY)

I changed companies and the new company was supposedly to pay the final bill from old company when I got first letter from XXXX I called new company and they told me they would take care of it so when I got bill from collections I called again and was told payment was sent next thing I knew I was reported to credit report agencies I would like to pay for this debt and please have it removed from credit report. Thank you
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC I call on XX/XX/2019 to find out their fax number. The lady on the phone said they don't have one. So her supervisor gets on the phone and tells me that they can fax but not receive. So I said well can I have your email than so I'm able to send documents to them. Everything is being recorded pull tapes. I can't stand getting the run around. Everyone 's lives are so busy. This company is so wrong I'm trying to get fair on grounds. They have all the cards. I can't send these documents out. I have never heard of the company until now.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NC)

I made {$1000.00} payment on Friday, XXXX the XXXX to my Platinum AmEx. After making the payment, American Express online site showed to me that I had {$1000.00} available balance. I made two {$150.00} transactions ( {$310.00} in total ), and the card started declining the other purchases. American express website showed {$0.00} available balance. On Monday, XXXX the XXXX, I contacted AmEx Platinum services and a representative requested to speak to my bank. After conversing with my bank, American express released the remaining funds. 
On XX/XX/XXXX, I made another payment of {$1000.00}, and Amex website showed this full amount as available. After making a small purchase at XXXX XXXX, I was not able to make the second one, as Amex started declining transactions. American Express website showed {$0.00} available balance once again. 
This is AmEx Platinum credit card, earning Delta points with each dollar spent. I believe that AmEx Platinum is deliberately disallowing me to spend more money to receive Delta miles with each dollar spent and it is doing this by utilizing unfair and indecent business practices. Realizing this I attempted to cancel XXXX payment, which is allowed by AmEx website. However, once I clicked on " cancel the payment '' link, a massage popped up requesting me to contact AmEx later due to the system overload. This is yet another demonstration of their unfair business practices. And finally, I have received an email from American Express, stating that in 24 to 36 hours my payment will appear online. While contacting AmEx today, XX/XX/XXXX, I was informed by a customer service rep that they plan to take 5 business days before posting my transaction. I told him that I did not give a permission to American Express to hold my money for 5 business days, and that this is crooked business practice. I told them that I will place a complaint with CFPB, they did not care. Thank you for looing into this.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (TX)

I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, Avant negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, Avant has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XX/XX/2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that Avant stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to Avant to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX  is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.
Consumer complaint received 2019-06-14
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. (MI)

I asked transunion and XXXX to be compliant with federal tax code by disputing several items on my credit report to which they havent complied with regards to my complaiimt. Article 26 the United States Federal Tax Code states : " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. '' When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force transunion and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking trabsunion and XXXX do the same.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a member of USAA since XXXX, and currently have one checking account with them. On XX/XX/XXXX I made three transfers from my XXXX  XXXX XXXX checking account to my USAA checking account through the USAA app. My first transfer was in the amount of {$140.00} and no holds were placed. Then I placed a second transfer in the amount of {$80.00} and again, there were no hold on that transfer. My third transfer was in the amount of {$80.00} and before I could complete my transfer, the app prompted me that the transaction could not be completed at that time. When I looked on my checking account, my account had a balance in the same amount of {$80.00} and a hold of 8 days were placed on my transfer, making the amount available on XX/XX/XXXX. I contacted USAA to ask why a hold was placed on my transfer, and why the app prompted a message saying that the transfer transaction was not available at that time, and after being on hold for a few minutes, the representative came back on the line and told me that because I was charged ( incorrectly ) two NSF fees, the system will choose to place holds on my transfers.
Consumer complaint received 2023-05-09
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. (NY)

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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Credit freeze was supposed to be removed last year I keep complaining about this they keep giving me the runaround. 
They keep grandstanding, This has to stop every year I keep calling in to get this corrected, They have all my information this process is done over and over prolong in my credit score I would like to be removed from that whole system up Equifax
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MI)

LJ ROSS called me and they want me to pay {$320.00}. I paid all my balance by XXXX XXXX   credit card settle in full XX/XX/XXXX-XX/XX/2019.

They still sent my file for {$42.00} on XX/XX/XXXX-XX/XX/2019.

We are trying to refinance our house and the score dropped drastically. I called them and they said they missed the amount so they reported to the credit bureau.

I again offered to pay and they took my money and they are stating it's my job to call all bureau and fix. The staff is rude.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The student loan is not transferred, it is in forbearance. Since credit bureaus couldn't help me, CFPB please update this information and fix my credit report .. XXXX XXXX XXXX
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB step up, The account was not late on the months reported on the my credit report. How can it be possible to have 30 days past due and 60 days past due on the following month. This is simply ridiculous. Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX****
Consumer complaint received 2018-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

Dear Sir/Madam, In conjunction with our original request with your office, for assistance to hold Wells Fargo Mortgage responsible for its willful negligence and illegal XXXX Home Improvement contract that we were forced to sign in order to have our closing. 
They deemed and validated their contractor who abandoned our first home renovation thereby placed our entire family in financial distress. Our family was XXXX for five ( 5 ) months and we still paid our mortgage and outstanding debts. Attached is further  documentation for your review. 
As of today, we are in the process of completing Wells Fargo financial hardship loan  modification application and we need your intervention with it. We have submitted documentation that my husband is a XXXX XXXX XXXX member, he had XXXX in XX/XX/XXXX, and his XXXX  stated so in a letter submitted to Wells Fargo. His work schedule has been significantly alter not due to health but due to work conditions. 
We have had Court judgments against us XXXX confiscated {$1000.00} out of our Wells Fargo account this XXXX that was towards our XX/XX/XXXX mortgage payment which is not paid and now we are in XXXX. 
Wells Fargo is currently requesting redundant documentation from us and we our appealing to your office to re-review our complaint and this additional documentation so we can have relief from this two year overly burdensome experience with Wells Fargo mortgage. 
We want our home! We have invested tears, sleepless nights, sweat equity and all our financial resources to make it our home. 
We appeal to your office to please review all newly submitted documentation and our original complaint to consider this appeal. 
We are grateful for your most recent assessments and awarding against Wells Fargo on XX/XX/XXXX. 
We pray for your consideration in our matter.
Consumer complaint received 2019-04-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (NH)

I " applied '' to a university and was denied, there is no debt. I will NOT verify my personal information with this company as it will result in more attempts. Received an email XX/XX/2019 stating that I owed money. 
Current Balance : XXXX As I stated, I filled out an application years ago, but was not able to obtain any funding and did not take any courses with any university. I attended college back in the XXXX and all the bills were paid. No other university in my state was ever contacted, nor did I enroll to take any courses in my state from any organization, college, or university.
Consumer complaint received 2019-06-14
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. (MI)

I asked XXXX and Equifax and XXXX to be compliant with federal tax code, to which they havent with regards to my complaint.ive filed 3 disputes with all three companies under this premise article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these attached debts arent mine and need to be removed.

When I refer to these debts. I'll attach the debts/creditors charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These XXXX dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX and Equifax and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking XXXX and Equifax do the same.
Consumer complaint received 2019-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (CA)

Repeated illegal calls from a spoofed phone number. I finally answered and they refuse to say who they are or why they are calling unless i give them my name, date of birth, address & social. When i told them i would not give them that they got verbally threatening, cursing and screaming saying they would send an armed agent to arrest me at work! I owe NO past debts and im on the DNC list. Clearly a scam.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

Back in XX/XX/2018 i wrote a letter to Comenity Capital Bank stating that they are reporting on my credit report a debt that i do not owe. They sent me a letter back stating that the debt was mines and they cant update my records reflecting that i do not owe this company. The are stating that i owe them {$2900.00} which is not the case.
Consumer complaint received 2018-06-18
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. (FL)

I have attached my Drivers License and SS card showing my name is XXXX XXXX with last 4 digits and the Bankruptcy filed in XX/XX/2017 is not my Bankruptcy. I had submitted previously my identity theft report along with police report. Please delete the XX/XX/2017 Bankruptcy appear on my credit report. As you can see the names do not match and SS number is XXXX. 

I'm also disputing XXXX XXXX Bank According to the report, your showing my credit limit is {$500.00} and not the {$2000.00} that the credit limit is. I have attached a copy of my recent Credit Card statement that shows my proof.. 

I've tried to submit documents via Experian.com/XXXX but it is unsuccessful.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I've requested several times for the 30 day late payment on my XXXX XXXX XXXX account and in it's place the remark paid as agreed. I even provided them with the letter that XXXX XXXX XXXX sent me stating that my account was paid as agreed and closed. Because of this inaccurate remark it's caused my credit score to drop XXXX points. Which has caused me not to be able to get a mortgage on my home that I own outright. I have already told them that it needs to be corrected and they have not removed the 30 day late payment. The account was paid off 20 months ahead of schedule. If they don't remove the 30 day late payment and change it to paid as agreed I'm going to sue them for defamation. I'm tired of dealing with them on this.
Consumer complaint received 2023-05-09
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX