davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NV)

My mortgage that I obtained with XXXX ( XXXX XXXX ) on XX/XX/XXXX was sold to NationsStar/Mr. Cooper on XX/XX/XXXX and when they sold it NationsStAR/Mr. Cooper booked it on my credit report as a NEW TRADE Line when its not. XXXX XXXX won't approve new credit card requests if you have 5 new trade lines within 24 months. I want it removed from my credit report as a NEW TRADE Line and have it be shown as a transfer. Both XXXX and NationsStar show the same loan as a NEW TRADE line and its not accurate and impacting my ability to get a Credit Card from XXXX XXXX
Consumer complaint received 2017-11-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NJ)

MY NAME IS XXXX XXXX, THIS COMPLAINT IS ATTACHED TO XXXX # XXXX FILED XXXX/XXXX/XXXX 'ALSO SEE DOWNLOADED ATTACHED INCOMPLETE AUDIT FROM XXXX SAME VERSION AS XXXX ''. XXXX XXXX XXXX is XXXX the XXXX, XXXX when my payment is due. Since XXXX I 've been paying, inquired about answer why digital coupon for TEA KETTLE ( prior letter said coffee pot INCORRECT ) and a host of other things. 

XXXX XXXX 's Expeditiously responded to CFPB Negating and Contradicting my complaint. 

Hence, this is about the Profound Biases Devaluation and Treatment I continuously receive from Executives, Managers and Supervisors. 

Stance taken Principal, Lack of Respect, Violating my Rights, Profound Biasness Since XXXX all Supervisor 's and Rep 's made aware never corrected, answered, settled or simply called me back since XXXX according to FTC, FCC, FEDERAL CFPB including other statues and Law 's which protects Consumers. 

It just happen someone suggested to keep track calling in receipts. No harm. Proven Discrepancies has come up again. All I want IS THERE WRONG MADE RIGHT-I AM AN HONEST CONSUMER-I WANT TO PAY FOR WHAT IS MINE FROM, SALE, MD XXXX DR XXXX COUPON, REWARD ETC. I EARNED IT APPLY IT. 

I READ AND GO OVER EVERYTHING. IT 'S MY RIGHT TO BE THOROUGH-SO SHOULD THEY-IT 'S THERE JOB. IT 'S NOT THERE JOB TO DENY, ATTACK-DISPARAGE OR INCRIMINATE ME WHEN I HAVE MY RECEIPTS. 

XXXX IS FLAT OUT WRONG. WAITING UNTIL TODAY FOR ME TO NOT PAY. I 'M LIVID THEY DID THIS BEFORE. I WILL ALSO FORWARD THE LETTER WERE THEY HAD TO CREDIT ME FOR THE LATE FEE 'S AND MERCHANDISE FRAUDULENTLY AON MY ACCOUNT IN XXXX I WOULD 'VE HAD TO PAY FOR UNLESS I FOUND THOSE RECEIPTS THEREFORE, ANY RESPONSE XXXX 'S MAKE 'S TO CFPB RE : WRONG DOING ON MY BEHALF GIVE SPECIFIC 'S WHAT GIVE 'S THIS COMPANY THE RIGHT TO TELL ME I CAN NOT TALK, QUESTION, GET AN ANSWER, IN TIMELY MATTER, REGARDING MONEY I SPEND!!!! 

I TOLERATED TO MUCH NEGLECT I 'D SAY NOT CONTACTING CFPB LAST YEAR. APPALLED OCCURRENCE HAS TAKEN PLACE AGAIN WITH SAME INTENTIONS. 

Due to there mistakes it 's Audaciously written I 'm a problem BANNED FROM CONTACTING VIA PHONE? SLANDERED, CHARACTER ASSASSINATED, IGNORED, GIVEN HARD TIME CALLS DECLINED. 

There 's no Federal or Civil Law in place which states an Entity can Ignore going over or making corrections to a Consumer Accounts and/or Threaten me with LATE FEE 'S IF I MISS PAYMENT!! 

Also, l will forward letter sent to me stating. ( " We will no longer have contact by phone just email '' ). I never dignified response to with an answer. It was forwarded. 

My name has been Slandered, Negative comments are written via my account at times mentioned, very Hurtful and Embarrassing. Over an issue I Honestly did not create only wanted a Fair Resolution.
It 's Judging and Bias for any Reprensentative to bring up or manipulate a conversation regarding resolved  dispute clearly states no fault on consumer behalf.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

ALL OF THE ABOVE- focus now is on old info that never goes away. 2- info that is reposted to make me look bad. further with statements of pure libel- that read " too many inquiries '', " massive delinquincy '' - make attempts to extort the consumer to no end. My ID was stolen- reported to USPS and XXXX sherrif , and XXXX FBI . No credit bureau will accept communications from these agencies- demanding I provide the internal case information. I don have access to FBI internal systems- or i would be investigating multiple leads right now, myself. 

When I moved here 6 mos ago- they read " data unavailable for new credit ''. Now they read worse then " serious delinquincy. '' I owe nobody. ALL ACCOUNTS ARE DISPUTED IN FULL- I have the right to not pay accounts and still have them removed. NO BUREAU HAS COMPLIED since initial proceedings over 12 mos ago- and when they comply its for 6 mos at a time- then the old info shows up again. 

The laws are rigged against the consumer to collect damages due. I should not be forced into payments for debts I can legally dispute in full, like a lemon XXXX XXXX that XXXX DID NOT and WILL NOT fix. XXXX refuses to collect the info from XXXX XXXX XXXX who serviced the car, and refused to fix it. Then XXXX refused to remove the loan -or pickup the car. Experian resells the data to itself under multiple trade names. 

A rising cr score indicates that not only are these account reports slanderous- but dated and resold. I can not establish new credit whatsoever due to this blasphemy being resold to merchants- but hidden from me.
Consumer complaint received 2019-05-31
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: URS Holding, LLC (NV)

On XX/XX/19 a representative from the company contacted multiple people as well as myself while at work. When I returned their call from my personal cell phone I informed them to not call my work. 

On XX/XX/19 the same representative called my office again. I again informed her to not call my work.
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Issue : Overpaid my Wells Fargo ( 'WFC '' ) credit card payment on XX/XX/XXXX with assets from a Wells Fargo Account . Called customer service on XX/XX/XXXX and asked for the monies to be returned. I was told it could take up to 30-days and a check may be mailed. I see no reason that the funds, which where collected and paid from WFC account can not be credited immediately back to the account where the monies came from, a WFC checking account. I spoke with Customer Service Manager named XXXX. This is bad behavior, dishonest, not ethical, and abusive of power, not logical and in my opinion criminal. 

Consumer 's honest oversight ... .I had a XXXX payment due ... ..which I paid on-line on XX/XX/XXXX. In an effort to ensure my payment history is perfect, as I did not recall making the payment and knowing I owed about {$70.00}, I went on my phone and made what I thought was a {$70.00} payment but was actually a scribers error and was a {$700.00} payment. This resulted in a {$700.00} credit balance. 
It is unreasonable to take 30-days to return the monies, it is bad behavior to not act immediately, it is fraud not to return the monies immediately. XXXX, the supervisor, indicated that the monies would be held up to 30-days " because we can ''. This is an egregious attitude from a Bank that apparently has not learned its lessons on how to behave like a Bank. It 's no wonder they have set XXXX XXXX  aside for legal fees and promised in their XXXX that the number will be increasing to defending their unethical business behavior. So my financial reputation and ability to make my payments on other accounts is in jeopardy because the BIG BANK needs 30-days to research payment activity from accounts maintained at WFC and credit back the {$700.00} overpayment. Scandalous! 

WFC 's " marketing campaign '' to attempt to improve your image does not help when your employees are unable or unwilling to do the right thing. I was offered to spend additional time talking to a second supervisor ... .really ... how about WFC empower their employees to use common sense ... .unfortunately you ca n't regulate good behavior when you have dishonesty and bad behavior that get rewarded from WFC 's core management ... which is where it is learned ... .Keep investigating there is plenty of issues at WFC including thievery , thru an unauthorized loan of my assets to them, as referenced above.
Consumer complaint received 2018-03-26
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. (MI)

Amounts listed on multiple accounts are incorrect. I have opened a dispute because student loan account were being reported XXXX different times and different amounts. Auto loan and credit cards balance are not correct. Reporting a XXXX charge that is paid as unpaid. Just recently again requested this information to be updated.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX I went to an ATM and tried to withdraw funds from my checking account. My account was debited {$400.00}, but the cash was not dispensed from the ATM. I contacted USAA the same day to initiate a ATM dispute. They advised me that it takes five to eight business days before the claim is picked up by a technician. It is the holidays and I asked if it could be escalated, which I was advised that they would put a note on the dispute. We are now on the ninth business day and no one is able to provide me any type of update in regards to my dispute.
Consumer complaint received 2022-09-09
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/XXXX a pay by phone payment was made to my account.   The payment was for more than my re occurring payment,  I pay in full.     I have never made a pay by phone payment!  ON XX/XX/XXXX.   bank of America  deposited  $ XXXX to my account. It was credited.  Than $ XXXX. was charged on XX/XX/XXXX. I have called numerous times with out resolve.  Right now on XX/XX/XXXX. I have been on hold will a rep and supervisor figure it out!  25 min!    on XX/XX/XXXX I was on hold 50 min , no resolve.   Thi was bank of America 's XXXX up on y account and they won't fix it!
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (MI)

OCC # XXXX WORKING ON RESOLUTION, XXXX WAS MY MORTGAGE HOLDER AND I PAID MY HOUSE NOTES TO XXXX. THEY RAISED MY HOUSE NOTE 100 % FORCED ME INTO FORECLOSURE BY RAISING IT FROM XXXX TO XXXX AND I PAID THEM XXXX ON MY FIRST LOAN LOAN # XXXX TO GET OUT OF FORECLOSURE BUT WOULD NOT COME DOWN FROM XXXX. THIS IS THE ONLY LOAN THAT WAS FORECLOSED ON AND LOAN XXXX WERE NEVER FORECLOSED ON. 

THE SHERIFF 'S DEED ACTION YOU SPEAK ON XX/XX/XXXX ARE FROM LOAN # XXXX. 

ON A LETTER THAT I JUST RECEIVED DATED XX/XX/XXXX YOU STATE. BELOW, YOU SAID XXXX GAVE A QUIT CLAIM DEED TO XXXX XXXX. THEN YOU SAID XXXX XXXX AND HIS DAUGHTER XXXX XXXX  PURCHASE THE PROPERTY FROM XXXX XXXX FOR XXXX IN COMPLAINT XXXX XXXX XXXX XXXX OF XXXX XXXX STATED THAT THEY FACILITATED THE SALE ON XX/XX/XXXX. 

ON XX/XX/XXXX YOU SAID THE XXXX PURCHASED THE PROPERTY FROM MY LENDER XXXX XXXX XXXX FOR XXXX. 

ON XX/XX/XXXX XXXX XXXX XXXX MY SERVICER PROVIDED ME A DISCHARGE OF MORTGAGE AND CONGRATULATED ME ON A PAID UP LOAN AND THE OCC ARE WORKING ON A RESOLUTION ON MY BEHALF IN REFERENCE TO THE CASE ABOVE. 

PLEASE TELL THE FACTS OF WHAT TRULY HAPPENED?
Consumer complaint received 2017-11-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.
Consumer complaint received 2021-08-04
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. (PA)

I've both called and sent letters to all 3 credit reporting services ( Experian, XXXX, and XXXX  ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP. 

XXXX Status : Closed Date : XX/XX/2018 Price : {$1500.00}
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MI)

My account what close with out me knowing about it being close when I call to ask why I was told it's up to them what they can do but I still receive text messages about my account so I switch to XXXX XXXX had the same problem and now I am with XXXX XXXX am iam happy that I join them.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (GA)

I would like to submit a complaint because I sent a letter to the credit bureaus on XXXX, and I have still not received a response. It's been over 45 days, and I desperately need for them to update my credit report based on the items I have disputed and asked them to correct. I need the items to be deleted immediately.
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

To whom it may concern, Bank of America is my mortgage lender for my home. They notified me that an escrow collection will be increased almost by $ 150 monthly since they received two different property insurance policies. One of them is not my policy. A mortgage representative at Bank of America told that I have to contact XXXX insurance company and request them to report that it is not my policy. I contact XXXX and the representative informed me that they can not give any information for the policy because I am not a policy holder, so, the lender has to contact them. Ever, the policy which was sent to my escrow account is a commercial policy which a private homeowner like me is not covered, but, Bank of America did not attempt to verify it with me or the insurance company when they recieve it. This issues was not resolved, yet, and it seems no one wanted to responsible. I am also concerned that Bank of America does not cautiously process a sensitive information with a private financial information.
Consumer complaint received 2017-11-08
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. (TX)

I have sent multiple credit disputes to XXXX XXXX, XXXX, and experian regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX & XXXX XXXX XXXX- {$530.00}
Consumer complaint received 2019-03-05
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. (FL)

On my XXXX credit report they still have a inquiry from XXXX credit national credit card cos this inquiry was done due to identity theft your company took off XXXX XXXX XXXX so why not this one too? Trans union still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/2021 A check from XXXX XXXX was sent to me front and back via email by a professor of my University ( XXXX XXXX University ) I am an XXXX  XXXX who lives in Florida I had completed 2  tasks about data collecting for this professor prior to having any exchange money/cards ( which took 7 hours each ). 
He sent me this check for {$1900.00} to pay me for 4 prepaid Visa cards ( I was asked at separate times to purchase each one ). This check was to reimburse me for 3x {$500.00} cards and a single {$250.00} card. These cards were to be used to buy products in the future that we were collecting information about. The remaining balance was to pay my for me services so far and I was told I would be receiving another reimbursement check days later. 
I received an email after several weeks of communication with this 'professor ' and I was alerted by a cybercrime mass email of traditional scammers happening. I realized I fit the description and found out I was being scammed and the professor was not the professor I thought. 
I was to take pictures of the front and back of each card and email them back. 
I was told to print the {$1900.00} XXXX check out, cut and sign, and mobile deposit. I did as I was told and used this check as a mobile deposit into my Wells Fargo account. 
I deposited this on XX/XX/2021 Saturday. The money was recognized in my account on XX/XX/2021 and I used a portion for the costs on XX/XX/2021. On XX/XX/2021 the check had been returned out of my account and on XX/XX/2021 was deemed fictiosus. 
My account is now over drafted and I can make the XXXX balance because I have no funds to use and I had funds to lose, to begin with. 
I do not agree with being able to access the funds and then have the funds be stripped from my account a whole day later. 
I have filed a police report case number XXXX filed FTC report XXXX Here is my report number to WellsFargo for Online Services via Fraud XXXX Wells Fargo internal services followed up with me today via phone and basically told me I should not have spent the money because it didn't look like a check. AND IT DOES. I have the check if I can send it to you. 
I do not see how this can be in my account and accessible DAYS after I deposited it and still take the money out. 
I am hoping I am reaching every corner I can with this case. 
I am a struggling college XXXX and am emotionally, mentally, and of course, financially devastated by this.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation (SC)

This debt is not my debt I have visited the physical business office to resolve. The hospital keeps removing and placing back on my credit report to restart the reporting date to prolong collections. This is not my debt due to the fault of their 3rd party patient billing company they are charging me for a debt that is not mine. I tried to resolve with both companies with no avail.
Consumer complaint received 2017-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

XXXX XXXX sold two accounts to Portfolio Recovery in the amount of {$960.00} and {$1000.00}. They have been contacting me harassing me about a debt that I have no knowledge of. On XX/XX/XXXX and XX/XX/XXXX i demanded they provide proof of contract between me and XXXX XXXX. I asked them to remove this inaccurate information against my credit file. I have no written or signed contract with Portfolio Recovery nor XXXX XXXX. I have made all credit bureaus ( XXXX, XXXX, and XXXX ) aware of this matter, yet they continue to report inaccurate information on my report. This matter has become troublesome situation for myself and my family. Any help assisting me with this matter is greatly appreciated.