davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WV)

According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source ( creditor/s ) and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over one year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores. 
Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

please find attached the FTC application along with the dispute letter, the mentioned account are fraudulent and or mixed information from someone with the same name or a similar name that has been entered incorrectly under my name. please remove these expired ( past statue of limitation ) accounts from m y records which are destroying my credit. 
thank you
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've reached out to XXXX, XXXX and Equifax numerous of times informing them that I was a victim of identity theft and my information was stolen and used to open fraudulent accounts. I've also reported this to identitytheft.gov. They failed to address these issues and continued to report incorrect information. I've recently sent letters again for the XXXX time to correct this issue.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Adverse accounts are to be removed 7 years from the FIRST DATE of Delinquency. On my Trans Union Credit Report, XXXX XXXX  should fall off in XX/XX/XXXX as the first date of delinquency was XX/XX/XXXX. I can provide proof if required. Trans Union states it will be removed 7 months AFTER that in XXXX of XXXX. It should be corrected to reflect XX/XX/XXXX. I've contacted TU multiple times on this to no avail.

5 accounts were Charged Off yet still show a balance due. I believe my report should reflect a XXXX balance due given the accounts were charged off. The 5 accounts are : XXXX XXXX ; XXXX XXXX ; XXXX  ; XXXX ; XXXX. I've contacted TU multiple times on this to no avail.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2022, I was a victim of a Scam. Someone hacked my XXXX account and posed as XXXX customer service to help me purchase a sculpture. They were able to recite personal XXXX correspondence between the seller and myself, thus signifying to me they were indeed from XXXX. 

In an email ( from XXXX XXXX XXXX XXXX ) this phony XXXX customer service confirmed they would return my money if I didn't receive the sculpture and asked me to transfer {$360.00} via. XXXX to them. After I did so, when they immediately asked me for more money, I became suspicious and asked for my money back. When they refused to return my money, I hung up and immediately issued a fraud case with Wells Fargo XXXX customer service with XXXX XXXX XXXX XXXX XXXX XXXX opened a fraud case # XXXX and said I would be hearing from a fraud examiner in XXXX days. 

On XX/XX/XXXX when I didn't hear back, I called Wells Fargo Fraud customer service. XXXX XXXX confirmed they had my case, but I needed to speak with another department because " it wasn't fraud but a scam ''. I was transferred to XXXX XXXX who said I needed XXXX claim, and I was transferred to XXXX XXXX who said she would transfer me to the Fraud department I was first speaking with. At this point I thought it best to go to the bank. 

On XX/XX/XXXX at the Wells Fargo 's XXXX NJ XXXX, I met with banker XXXX XXXX XXXX. he called the fraud department I was speaking with and confirmed they had my case, and I should be hearing from them soon. 

Today XX/XX/XXXX when I still had heard from no one, I called Wells Fargo 's fraud department. XXXX XXXX saw my complaint in their system, but said she needed to transfer me to the XXXX XXXX department. She said she would remain on the line, but didn't, and I was transferred XXXX to XXXX XXXX in the general customer department. At this point I gave up and decided to open this complaint. 

Additionally, I contacted XXXX and discussed this and they said basically they could not help me.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Many Hard Inquires from XXXX to XXXX that were not issued by myself the owner of the account. 
I 've called Equifax Credit bureau about the fraud committed against me and each time I call I 'm denied the right to dispute those hard inquires that has help destroyed my credit.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I have tried having a bankruptcy that is shown on my Equifax and XXXX credit report removed and it has come back verified after each dispute. I contacted the Court where it shows the bankruptcy at and they state that they do not release public records to 3rd party reporting agencies. Without that information being released from the court this information is not verifiable.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

The payment changed and we and we did not realize. We are behind about {$1000.00} or so. We were sent modification documents. We filled them out and sent all supporting documents by XXXX about two weeks now and we have not heard anything.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (MO)

My car loan was transferred from BBVA compass to PNC bank and has been nothing but a nightmare since the transfer. When it was transferred they had wrong phone number and address for me and never tried to contact me. Then my vehicle was repossessed since I didn't know the bank that took over the loan. I paid close to XXXX dollars to get it out of repossession then they told me the loan was charged off in XXXX. Why I still don't know why it was charged off. Then I was told I would get statements and to be watching for a statement and I never got one. So in XXXX I called and they told me I owed XXXX dollars so I paid it because they stated I overpaid when I got my car out of repossession even though I paid the amount due. Then in XXXX never got a statement again and when I called XX/XX/XXXX they told me I owed XXXX dollar because I underpaid in XXXX. When I told them I didn't have the funds to pay three months worth of payments and that it didn't make sense why I owe that much. They had it escalated and escalations is lying and stating they have attempted to call me yet I have no missed calls or messages and are closing out my complaints. Then today I finally got ahold of escalations department after refusing to hang up until it was resolved and spending three hours on the phone. Their XXXX  page is filled with complaints similar to mine on how they treat their customers and how they are dealing with them. They keep giving me the run around and are messing with my life and mental health as I am a single mom and refuse to work with me or help me come up with solutions. They give me different information every time I call in and none of them are on the same page.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have reached out to transunion about identity theft for several accounts that due not belong to me. 
I have requested that the items are removed as i provided the proper documentation to them. 

None of the following items belong to me and i am requesting that they are removed XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX No late payments XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-10-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (CA)

A couple of years ago a XXXX XXXX card I had got charged off. Only {$300.00}, no big deal. Until last month, I started getting letters and calls. Okay, thats fine - understandable. What is not understandable is for them to call my Dad and ask him for my whereabouts and informed him about my debt. This has got to be illegal. The company is Radius Global Solutions LLC.
Consumer complaint received 2022-02-07
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. (NY)

XXXX, Experian, and XXXX are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my wet signature on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/2022 I made and mobile deposit of XXXX checks insurance checks with amounts of {$3100.00} ; {$180.00} ; {$710.00} ; {$2000.00}. I was alert during the deposit that there would be hold on {$1000.00}. I was told that other funds would be available immediately. Within the next few hours, my bank card was deactivated and I was all funds were unavailable to me. I contacted the USAA Bank however I was placed on hold for over an hour then hung up the phone. I called back then they were closed. Due to time, I had to wait until the morning to contact the USAA bank to find out the reason. I spoke with a XXXX which had me on the phone for over an hour to verify all the checks. The XXXX stated to me that she was placing a note in account what she had done so that I would not have anymore issues. We completed the call and with the hour I received alerts that my XXXX XXXX was disconnected for my account and I need to contact the bank. I contacted the bank for the third time was told I needed to talk to the fraud department. I waiting XXXX hours on the online for someone named XXXX to ask me the same questions I was asked before. XXXX also ask me aggressively why I had the checks, and what did I do for a living. I asked him wasnt this all documented in the system and I was yes and that he read the notes and he took the hold off and all the issues. He then stated that if I had any issues to that it would go straight to that department to clear it up. Later on in the day, the issue was still not resolved, I contacted the again on XXXX evening and spoke to a XXXX that stated that she saw all the approval of hold off the account but she did not see the date. She then when me to another XXXX named XXXX that stated that he did not see any communications at all within system with anyone throughout the day with any time that I call and that he placing hold on my fund until XX/XX/XXXX. I was not provided any documentation as this effect nor reason. On XX/XX/XXXX, I received an email stated that funds of {$1000.00} were available to me as it stated before when I originally made mobile. deposit. However, those funds have been held as well.
Consumer complaint received 2016-04-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo if you make a partial payment applies it to principle, not the balance due for that month. I 'm not talking about an underpayment that is n't fully made by the due date. 

Also on their website you ca n't pay the balance after partial payment due that month, you have to pay the entire month. This is crazy if I owe {$2000.00} on my mortgage by XXXX XXXX, and I want to pay {$1000.00} on XXXX XXXX and {$1000.00} on XXXX XXXX I should be able to do it and that fufill 's my monthly amount due.
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I received a call from USAA on XX/XX/2023. The caller ID said USAA and the number calling was their main number ( XXXX ). I was told someone was trying to access my accounts. They asked if I had made these purchases at a XXXX and XXXX XXXX in XXXX XXXX, CA totaling around {$900.00}. They asked me to log into my account to verify if these charges were on my account and to verify if there were any other unauthorized payments made. They asked to confirm my pin with them and then thats when I received an alert saying there was a wire transfer initiated. They alert was from the USAA automated text response system. He told me that someone was trying to wire transfer {$9600.00} from my account. He said I should be receiving a 6 digit pin and to verify the pin with him. He said he was going to start the investigation and recall the funds. After a short hold he said another transaction for {$8300.00} was happening and asked if I authorized it and if I knew the person ( XXXX XXXX ). I said no and he said I will get a security pin texted to me and to verify that with them. He had asked for me to go into the wire transfer history to see if his recall had stopped the transfer or if the transfer was completed but I had bad service and it wasnt loading. After a while I just hung up and called USAA under the same number ( XXXX ) and told them what had happened and USAA said that that wasnt them and that scammers most likely spoofed their phone number. That is when the real USAA started an investigation and recall on the transfers.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

I have had my mortgage with US Bank since XX/XX/2016. I pay my monthly payment each month. Apparently in XXXX, my payment increased from {$1500.00} to {$1500.00} due to escrow or something. I didnt receive a notice in the mail. ( Im not saying they didnt send me something, I just did not receive anything. ) Honestly, I question the timing and increase considering it all happened around the same time others became unable to pay their mortgage. My payments are automatically sent via bill pay from my bank, so my payment for XXXX was sent over and it was apparently {$30.00} short so they placed it into a payment in suspense account and assessed a late fee, as they would not apply it to my bill. In XXXX, they received my payment for {$1500.00} and applied that to my XXXX balance and took {$30.00} from the payment in suspense. Applied another late fee because they said I didnt pay my XXXX bill. This went on and I tried calling them weeks ago, but wasnt able to get in touch after waiting on hold for 45 minutes. I finally got ahold of them today and it took me over an hour and four different associates to reason with them to waive {$200.00} in late fees DURING A PANDEMIC because apparently my payments were a bit short. I told them I would be happy to pay the difference right then, but their portal does not allow partial payments. 

Its ludicrous they are treating people like this during a pandemic. I am very fortunate and I am able to pay my mortgage and I was able to reason with them, but others might not be. I warned them I would be reporting them for this.
Consumer complaint received 2024-02-22
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: EQUIFAX, INC. (WA)

I made a purchase in XXXX for about {$50.00} and I paid for the purchase in store. XXXX 's created a credit card account without my consent and they charged on my credit card for {$34.00}. I wasn't aware of such an account. I was NOT contacted by XXXX 's by phone or mail or email. After 2 years, I noticed a sudden drop in my credit score in XXXX with delinquency and noticed a new account on my credit report from XXXX. 

I called XXXX XXXX and enquired. They said I missed a payment of {$34.00}. I was surprised as to what this payment is for and more shocking to know that there was an account on my name without any kind of notification. XXXX never sent me monthly statements via mail or email too. I have asked XXXX to close this account since I wasn't aware of this credit card account. 

Based on my simple XXXX  search, It looks like there are a lot of people affected by XXXX by creating credit card accounts without their knowledge. This is very concerning about XXXX and the CFPB should look into this aggressively to address fraudulent activities like this. I've been very diligent with my credit score for more than past XXXX  years of my stay in XXXX and this XXXX fraudulent activity by XXXX is affecting my credit score. 

I kindly request prompt action and remove this from my credit report.
Consumer complaint received 2023-03-16
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. (OH)

Fraudulent Inquiries Appearing On My Credit report. 


Fraudulent inquries appearing on credit report appearing on credit report. 
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 2023-03-16
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (MO)

My card was stolen on XX/XX/2023 and a {$400.00} atm withdraw was made in downtown XXXX XXXX at about XXXX the next day. I never noticed this until I attempted to withdraw funds into my XXXX XXXX on XX/XX/XXXX and it said insufficient funds so i check my card and it is almost completely empty. I call my bank XX/XX/XXXX to file my dispute and they tell me they will send an email for me to attach my ID and any proof or information I had. The email was never sent to me and I have called US Bank 5 times since my dispute and they all give me the same answers like they are reading it from a book. They tell me my dispute was denied and that I benefited from it when their is no way possible I could have. They refuse to show me their proof or reason for believing this when I know for a fact atm cameras should be able to confirm this.
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

My mortgage was with Wells Fargo. I received an offering from them to refinance my mortgage at a lesser rate. I went through the loan process and was approved. An appraiser was sent to my home and the appraisal was {$370000.00} when we were expecting an appraisal of over {$500000.00}. The home and property was appraised 6 years ago at {$540000.00}. The home and property is in the XXXX XXXX, TX area. The appraiser who did the original appraisal and the questioned appraisal is the same person. She did not remember doing the original appraisal. I asked Wells Fargo to ask the appraiser for a reconsideration appraisal. Wells Fargo led me to believe the appraiser refused. The appraiser would have been willing to do a reconsideration after realizing she had done the original appraisal and the large discrepancy had occurred. I asked Wells Fargo to refund the {$650.00} I paid for the questioned appraisal and they refused. I went to another mortgage broker, had another appraisal by a different appraiser and the appraisal of the home and property was {$530000.00}. I have a new mortgage but feel Wells Fargo did not due diligence in the matter and cost me {$650.00}.