davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DE)

We purchased our home in XX/XX/XXXX. We refinanced our mortgage in XX/XX/XXXX. Shortly thereafter, Wells Fargo took over the mortgage. 

In XX/XX/XXXX Wells Fargo did an escrow review and mistakenly read the annual taxes on the closing disclosure. The taxes were listed on page 2 of the disclosure as " to XXXX XXXX County ''  .... {$910.00} and " to School District '' ... {$2800.00} for a total of {$3700.00}. On page 4 of the  disclosure the " Escrowed Property Costs over Year 1 '' are listed as {$4200.00} and include the homeowners insurance. In their initial escrow review in XX/XX/XXXX Wells Fargo mistakenly read the annual taxes as {$910.00}. Because of this mistake they came to the conclusion that our escrow account had an overage of {$2500.00} and they mailed us a check for that amount. They also lowered our monthly payment from {$1800.00} to {$1600.00}, which was {$230.00} less per month. 

In XX/XX/XXXX Wells Fargo did another escrow review and this time read the taxes properly. They realized the escrow account had a {$4100.00} shortage. They gave us two options. Option 1 ) Pay the shortage over 12 months and the new monthly payment would go up to {$2100.00}. Option 2 ) Pay the shortage amount in full and the new monthly payment would be {$1800.00}. Neither of these options are viable for us. We do not have {$4100.00} to pay up front and we can not afford {$2100.00} a month. That would be more than we were paying before we refinanced in XX/XX/XXXX and would completely negate the refinance. 

We immediately called Wells Fargo to find out what went wrong and to clear this up. They are refusing to take responsibility for their mistake. Initially, they tried to place the fault on the company who we refinanced with, XXXX XXXXXXXX. 

In XX/XX/XXXX Wells Fargo gave us the option to pay the escrow shortage over 24 months. The new monthly payment would be {$2000.00} which is still more than we can afford and is still more than the monthly mortgage payment prior to the refinance in XX/XX/XXXX. 

Currently, Wells Fargo is avoiding us and continually telling us they need an additional 10 business days to investigate. This has been going on for 3 months. Once the additional 10 days has passed they tell us they need another 10 days.
Consumer complaint received 2024-02-29
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. ()

I received a series of emails yesterday stating that an account had been opened for me with MoneyLion, a company I have not previously heard of. I emailed to ask that they close the account and they asked for a series of personal information that I was not comfortable providing, including my SSN.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (WA)

There was a fraudulent charge that appeared on my XXXX XXXX credit card in XX/XX/XXXX. I reported this fraudulent charge and disputed it with the merchant. The charge was removed and the account balance was XXXX. However, the creditor never stopped the negative credit reporting. I've contacted them four times, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They told me they received my dispute letter and told me over the phone on XX/XX/XXXX that the charges were removed from the account and I don't have any outstanding balance. The creditor never sent me the letter about the resolution of the fraud case in writing. I checked my credit report again on XX/XX/XXXX and I still have a negative credit report from XX/XX/XXXX to XX/XX/XXXX. I disputed with the XXXX credit bureau 3 times in regards to this inaccurate information and they have failed to thoroughly investigate this case and obtain any information from the creditor as to why the account is showing delinquent for 120 days. I contacted XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complains are not resolved and XXXX  Credit card has not fixed the inaccurate reporting in my credit report due to fraud as they promised. They also failed to sent me the resolution letter for the fraud case and resolution to fix the negative credit reporting on my account. The account is closed to to fraud but the negative delinquency is still remaining on the account. This is unfair.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (VA)

I signed up for the XXXX XXXX Secured credit card on 2 occasions. The reason why I signed up for the card was because I was told it would help me to improve my credit score. Well unfortunately it further damaged my credit score and XXXX XXXX also incorrectly reported this information on my credit report. 

I initially applied for this card between XX/XX/XXXX/XX/XX/XXXX. The card did not come in the mail. What I was unaware of was that a statement was sent in the mail for the annual fee ( which is billed the first month after the card is sent ). I had not received the card, and was billed for the annual fee, which prompted me to contact the company. As a result, the account was closed, since the card was not received nor used and the deposit of {$200.00} was refunded. I was told that the negative reporting of the late payment would be removed from my credit report in lieu of the issue. This is still reporting on my credit report as of XXXX ( almost 1 year later ). 

I decided to give XXXX XXXX a try again, applied for the card in XX/XX/XXXX. The card did not show up, however I was charged the annual fee for the card, which went unpaid. This also showed up on my credit report, which prompted me to call XXXX XXXX again. I spoke to a representative named XXXX on XX/XX/XXXX @ XXXX. 

XXXX told me that I would receive an account closure letter, a refund for my {$200.00} deposit that was made and that the negative reporting for the months of XXXX and XX/XX/XXXX would be removed from my credit report.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (PA)

on XX/XX/2021, XX/XX/2021, XX/XX/2021, i sent multiple letters to this creditor disputing an unauthorized inquiry made on my account .the creditor responded by stating the inquiry was in fact accurate but do not provide method of verication ( Consumer contract with my signature ) I would now like to take legal action if this fraudulent item isnt removed from my credit report immediately for the non complianceto provide proof of investigation results after 30 days of no validation, this item must be removed by law .thank you
Consumer complaint received 2020-09-12
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. (TX)

I previously disputed adverse information reporting in my credit file. I have not received a fair and legal investigation into my claim. I have attached a letter which is my Second attempt at getting the Credit Report Agencies to follow the law according to the FCRA.
Consumer complaint received 2018-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (CO)

Called a phone number I did not give them to collect a debt. 
They called my supervisors direct line and left a message to collect a debt, on XX/XX/2018, this number was never given to them which means they invaded my privacy to find it. The attached is the voicemail. 
They have called every 10 minutes while I am at work and leave 3 second  messages until my voicemail full, the messages do not say anything.
Consumer complaint received 2018-11-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( 50k as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies XXXX and TransUnion with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
Consumer complaint received 2018-03-09
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NE)

XXXX XXXX advanced me property tax funds several years ago. I assumed it came from the appx {$55000.00} equity I thought I still had in this property. I was told many times just to pay it back as I could. No loan person told me a reverse mortgage causes you to lose access to the remaining equity after the pay out. I paid {$120000.00} cash ( all of my retirement ) got about {$67000.00} and the rest went where? XXXX XXXX has admitted to poor ethical behavior and I am sure it far exceeded what we know. It was their culture at the time. I was told several times that if I said I was going to call a lawyer or was unhappy with the situation, I would be " sent to the office of the president '' and they were done working with me and would retract my ability to pay back the taxes.

When confronted, XXXX just denied it. I gave up the fight, entered a repayment plan and began exceeding the required amount and continue to do so. I am now within about 6 months and {$3000.00} of once again owning the house I paid cash for. I was notified in XX/XX/XXXX that my HECM loan had been sold to XXXX XXXX ( XXXX ) and the same repayment began to be made to them. Last night ( XX/XX/XXXX ) an appraiser called me to say XXXX  had ordered an REO Appraisal on my town home. I was an appraiser and a professional practice instructor for 30+ yrs. I know the other appraisers. Without reason and without any warning to me, XXXX puts an REO Appraisal request for my property out on the appraisal network. I am in my XXXX  's and not in great health and with one asset -- this town home. Imagine the shock out of nowhere getting a call at XXXX XXXX XXXX and having someone say they have been hired to do an REO ( accepted as synonymous with foreclosure ) on your home. I am meeting all the terms of my repayment and now this. I have worked ( literally back to work ) to clear this up and now XXXX  adds embarrassment to the situation. I assume they are going to deduct the costs from me. I want other borrowers to beware this company.
Consumer complaint received 2018-07-31
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. (TX)

I have contacted all 3 bureaus ( Transunion, XXXX, XXXX  ) several times to dispute a 3rd party collection agency ( XXXX XXXX XXXX # XXXX ) all the bureau 's respond back with this account being verified. I requested from all 3 to send me info from the file they have on me from XXXX so that I may match it with the info I have in my hand. All bureaus are not corresponding with my request, there for if this account is unverifiable it must be DELETED!!!
Consumer complaint received 2018-07-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Pintor Partners, LP ()

Hi I've been working for a XXXX XXXX company for one year and a half For XXXX XXXX, I can't make a XXXX XXXX for a person that is sending on behalf of another one that does not have an ID. Example : XXXX wants to send money to his wife XXXX, from USA to XXXX, but he doesn't have an ID, so he can't do the XXXX XXXX I want to know 2 things : 1- Can the owner of the store XXXX send money on a Customer 's account if he's not present, with his consent? 
2- Can the oner of the store create an account to send money to XXXX , with XXXX XXXX money? 

I have these doubts so I contacted you for an answer. 
Please mail me the answer to " XXXX ''
Consumer complaint received 2021-09-08
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. (CA)

Hello my name is XXXX XXXX, I am reaching out because there is some accounts related to a bankruptcy? Showing on my credit report, I have never been involved in any bankruptcy, and this is due to me being a victim of identity theft. I have reached out to the three major bureaus informing them of this fraud on XX/XX/21 and they all claimed that this information was verified, but couldn't produce anything other than saying it was verified on their end. I have submitted the necessary FTC report and Identification that was requested from me in regards to getting these fraudulent items off of my credit report. I was involved in the XXXX data breach and also informed them of that and they said that means nothing.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (FL)

DEAR SIRS DIRECTOR AND RESEARCHERS CFPB US FEDERAL AGENCY XXXXXXXX XXXX XXXX GREATER OF AGE AND NATIONALIZED IN THIS GREAT COUNTRY- I WANT TO NOTIFY THAT POTENTIAL SUSPECTS COME XXXX WITH MY ACCOUNT OF TDBANK-XXXX. EXTORTION-IF I DO NOT LET ME REMOVE MY LAPTOPS.XXXX APPEAR TO BE EMPLOYEES OF XXXX XXXX XXXX BECAUSE SOMETIMES I LEAVE IN MY LAPTOP THE HOUR OF XXXX XXXX CALIFORNIA FOR EXAMPLE IN XXXX, ARE XXXX BUT IT APPEARS TO ME THAT ARE THE XXXX XXXX XXXX ... THE OTHER IS A XXXX  OF XXXX XXXX XXXX XXXX WHO SEEMS TO LIVE IN XXXX XXXX OR XXXX. HE IS XXXX AS A XXXX XXXX ... AND THEY ARE COMING XXXX BULLYING FOR XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXX IN XXXX, XXXX SAY THAT THEY ARE GOING TO LEAVE ME WITHOUT CELLULAR WITHOUT LAPTOPS WITHOUT TELEVISION ... AND WITH MY CONDITION OF HEALTH THAT I AM COMING BATTLING TO CURE ME <THEY SAY THAT THEY ARE GOING TO XXXX XXXX, RETURN ME MAD AND MAKE ME RETURN MY XXXX XXXX. EMOTIONAL XXXX. XXXX XXXX MY LAPTOPS HAVE BEEN HACKED BY THEM AND MY ELECTRONIC MAILS USED TO ENTER COMPLICATED SITES THE BULLYING IS THAT YOU HAVE BEEN USING MY DEBIT CARD TO PURCHASE XXXX ELECTRONIC OR FILAMENT PARTS. THE BULLYING HOME XX/XX/2016 TO PRESENT ... ..THEY SAY THAT I LOSE TIME BECAUSE THEY ARE WELL HIDDEN. AND IT FASCINATES YOU TO COGER MY LAPTOPS OF DAY OF NIGHT OF XXXX SO I RECEIVE WITH XXXX AND XXXX MAKING RETURN THE XXXX XXXX ... ONE OF ITS PURPOSES. 

THEY HAVE ALMOST BEEN PURCHASING WITH MY CARD ON XXXX I NEVER PURCHASED OR PURCHASED PRODUCTS TO XXXX. PLEASE SEE RECORDS XXXX I ASK YOU TO RETURN ME {$29.00} WHAT IS THE ONLY THING I CAN NOT APPROVE THE ASSISTANT OF CURRENT ACCOUNTS ( SEE CLAIM ) AND ATTACHED PROOF.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (DC)

This is about the Apple Card and Goldman Sachs Bank. I made a dispute in XXXX and the dispute was overturned in XXXX, but the reason for it being overturned was completely different than the reason I disputed. I disputed the charge because the company didnt honor its return policy, but they overturned the dispute because The merchant provided sufficient evidence that you made the purchase, which was never in dispute. When I tried to get assistance, create a new dispute, or get more details about why it was overturned, their customer service was completely unhelpful. In the dispute email, it said You have the right to see the information used in this investigation. To request a copy, please contact Goldman Sachs Bank USA by chat or phone. They did not provide l that information upon request and I asked multiple times in XXXX.
Consumer complaint received 2022-05-02
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)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written USC 1668 : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I believe I am a victim of identity theft. I placed a Fraud Alert on my credit reports this morning ( XX/XX/2018 ) and I filed an FTC Report on the same day as well. Together with my supporting documents such as Drivers License, SSN Card, Utility Billing and FTC Report, I was trying to send EXPERIAN a letter requesting them to block fraudulent items on my report. I tried faxing them the documents but the fax always returns " Failed to send ''. I tried doing this 3 times today and I get the same frustrating result. 

I called their Fraud Department and ask for the right fax number and they say THEY DON'T HAVE A FAX LINE. They ask me to go to their online portal to upload the documents. I went to the page, input all the vital information they required and uploaded the documents I wanted to send but the portal returned " WE'RE CURRENTLY UNABLE TO UPLOAD YOUR DOCUMENTS ''. I checked all the files I uploaded, they are within the right file size and format. So I tried doing it on a different browser, XXXX XXXX, but still FAILED. I tried it on XXXX XXXX and still FAILED. It's really frustrating to work with EXPERIAN. I called the Fraud Department again and notified them that their ONLINE UPLOAD PORTAL IS NOT WORKING. They are insisting that I mail them the documents which is really expensive and will take 30 days for them to respond to. 

I am trying to take action on a case of IDENTITY THEFT and I don't feel Experian understands the urgency of somebody in this situation. Why won't they have a working Fax Line and why is their supposedly " easy '' online upload portal is not working for everybody??
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (PA)

On XX/XX/2018, I sent a letter to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX requesting validation of debt, of which none of the aforementioned companies have complied with my request.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (NJ)

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 2020-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/XXXX, I had an emergency and ended up in the hospital for a very short period of time. Insurance information was provided at the time of service, health insurance at the time was XXXX  XXXX, policy number XXXX. Insurance was billed and multiple times for the services provided, I will list them below- Claim ID number XXXX {$1200.00} paid to XXXX XXXX XXXX XXXX XXXX ID number XXXX {$4800.00} paid to XXXX XXXX XXXX Hospital Claim ID  number XXXX {$4800.00} paid XXXX XXXX XXXX XXXX Hospital Claim ID number XXXX {$820.00} paid to XXXX XXXX XXXX Hospital In XX/XX/XXXX, I get a letter from XXXX XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX stating that they are owed {$1200.00}. This was already paid and settled with my insurance as I listed above. I been receiving calls non stop from them demanding payment. It is also been added to my credit report and my score has already dropped significantly, to the point that is has stopped me from being able to refinance my home.
Consumer complaint received 2023-04-06
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.