davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage company did not pay my property tax for the period XX/XX/XXXX. I had a mortgage payment that included impounds for property tax and home insurance. When I returned from a trip, I received a notice from the Tax Collector that my property tax payment was delinquent. I immediately sent a letter to the lender my complaint. After a week of dispute, no settlement at all from their part. 
I have not been late with my mortgage payments for at least 4 years. My mortgage statements of XXXX/XXXX/XXXX up until XXXX/XXXX/XXXX showed escrow payments which I pay on time. What I do not understand is, how can a well known lender like them would be negligent in not paying my escrow. I did not even receive any notice from them that they are not paying my escrow. So I was just paying my mortgages on time knowing that my property taxes and home insurance are paid on time. 
My penalties have increased by the time I made arrangement with the Tax Collector. Since I do not have the full amount to pay my delinquent, I made a payment plan. I paid XXXX % up front and the rest in installments with interests. 
My stress level has gone up because of this. I have sleepless nights on how to budget my money now. I just hope I am not their only customer that experienced this. It is stressful and hearth breaking. You loose respect of the lender 's credibility. 
Thank you kindly.
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. (SC)

I appreciate your efforts in removing some fraudulent items from my file, which were a consequence of alleged fraudulent activity. However, there are still items that need to be removed. This serves as a new notification of my status as a victim of fraud, disputing the remaining items in my file stemming from this crime. The disputed items bear no relation to any transactions for goods, services, or money that I have conducted or authorized. I request the removal of all data, inquiries, and accounts in my credit file associated with the alleged fraud, specifically : 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 XXXXEQUIFAX 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 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 XXXX XXXX XXXX XXXX XXXX. These items are unfamiliar to me, and their presence in my file, despite being removed by other bureaus, raises questions about their accuracy and the reliability of the reported payment history. In accordance with FCRA 605B ( c ) ( 1 ) ( C ), which grants the authority to decline or rescind inaccurate information.
Consumer complaint received 2024-02-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

Since our XXXX XXXX away we have been attempting to seek assistance from SLS in order to avoid foreclosure on our family home.we have applied to SLS for mortgage modification, deed in lieu and short sale multiple times.We recently requested the dollar amount to reinstate the loan.In a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX7 was {$79000.00} plus legal fees of {$1000.00} and corporate advances of {$3100.00} for a total of $ XXXXIn a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX was {$79000.00} plus legal fees of {$210.00} and corporate advances of {$3100.00} for a total of {$82000.00}. 
How can that amount be less than one week earlier? 
How much of the {$79000.00} is allocated to principal, interest and escrows? 
How can SLS charge twice for principal payments? 
The language " the amount of payments due through such and such a date is confusing to us in that it appears as though SLS is attempting to illegally profit from our mothers estate by inflating and or muddleing the dollar amount to reinstate.
Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (WI)

Contacted WellsFargo on XX/XX/XXXX to fix problem I noticed.

They said 2-3 days to fix Received collection call next day. XX/XX/XXXX Spoke to executive office. They called would for sure stop. And problem being worked on.

XX/XX/XXXX received another collection call.

Problem still not resolved.
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. (TX)

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of Credit Bureaus, I expect transparency, integrity, and swift resolution when faced with such matters. 

I discovered fraudulent items on my account, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns. 

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction. 

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities. 
Implement robust security measures to prevent future occurrences. 
Provide full restitution for any financial losses incurred as a result of these fraudulent items. 
Offer compensation for the inconvenience and emotional distress caused by this ordeal. 
Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
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. (SC)

Following my previous request for an investigation into accounts with erroneous information, I have reviewed your response and noted that some accounts still inaccurately display a " verified '' status. I request that you correct the information for the following accounts : 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 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 {$22000.00}. In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I kindly request to be notified upon the update of these items. Once these corrections have been made, please send an updated copy of my credit reports to my provided address.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I submitted a complaint XXXX and Experian investigated, and responded saying they would remove XXXX XXXX from my credit report, along with XXXX XXXX. XXXX XXXX was removed, but NOT XXXX XXXX. Original complaint # XXXX Dispute and request for debt validation was requested to Experian on XXXX2017 for the following : XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX On XXXX17- I called Experian to get the results and spoke to XXXX @ XXXXXXXX XXXX. XXXX informed me that Experian does not request validation of an account. He also stated that the accounts mentioned above would remain on my credit report. This practice is illegal, as the bureau is obligated to confirm/validate accounts upon my formal request. Also, they did NOT do a formal investigation. I filed a complaint with XXXX ( attached ) as validation was never received, for neither account, nor are either of the creditors licensed to collect in the state of Illinois ( attached ). XXXX XXXX agreed to remove the collection ( attached Company responded STATUS Company responded on XXXX/XXXX/2017 RESPONSE TYPE Closed with non-monetary relief Company 's Response Thank you for submitting your complaint on XXXX XXXX, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information that you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that there are two accounts on your credit report that you request be removed. Per your request to conduct an investigation, we contacted the data furnishers to verify the accuracy of the information with which you disagree. The disputed accounts have been removed from your credit report. The result summary, confirming the removal of the disputed information, was sent to you on XXXX XXXX, 2017. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY (NV)

I opened a Secured Credit Card at Wells Fargo about 3-4 years ago. At the time, I was simply trying to re-establish my credit after a nasty divorce. A Personal Banker inside one of the local branches advised me to open a Secured Credit Card to help me in re-establishing myself. The Personal Banker explained that my own money would secure the credit card, allowing me to make purchases. He assured me that at some point, as early as 12 months or as late as 18 months, my credit card will become unsecured and my funds released back to me, and at that point I would have a normal credit card with even a possible credit limit increase. I am going on 4 years now I believe and each and every time I ask about my funds being released back to me, I am told that it is still under review. I called this afternoon to ask when I opened this credit card and I was told that they could n't release that information to me and that I would need to find my opening statement and look on there for it. I feel that this is just another bold face lie by Wells Fargo to tie up my {$1000.00} for this secured credit card while they obviously charge me interest on my purchases but I am not receiving any interest on the {$1000.00} that they are holding and refusing to return to me.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (CA)

I rented a car in XXXX, through XXXX XXXX XXXX, XXXX XXXX XXXX, for XXXX days. The vehicle was in terrible condition that it stranded my family in the middle of a XXXX with XXXX persons in the car. I returned the car to the agency after XXXX days of use and they stamped my receipt as XXXX days of use. Wells Fargo bank listened to the merchant and betrayed me, by paying the merchant all XXXX days, although I only used the car XXXX days. They listened to the merchant unjustly and sided with them. My life and my family 's life was placed in danger with this irresponsible merchant and now Wells Fargo 's lack of training of its Customer Service reps, did not look at the facts and lazily did not take into consideration the pictures, letters and docs that I sent them.
Consumer complaint received 2017-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: VANGUARD FUNDING LLC (UT)

I have a brokerage account with XXXX XXXX. The firm is generally quite consumer friendly in most of its activities. However, every time a customer places a trade, they are forced to a screen that attempts to force the customer to accept Electronic Delivery of all documents. I understand this is what the company desires, but their methods are very poor. The screen offers XXXX choices, with the default that this and all future documents be delivered electronically. The second choice is the one I choose, which is this trade confirmation, and all future trade confirmations be sent electronically. The final choice is to send this confirmation by mail. These choices are prudent periodically, but the company forcing this screen every time is not right. It would be easy for the customer to click past accidentally, just once to the default setting that Vanguard desires. And by putting this practice is place for every transaction, Vanguard is willingly disregarding the choice of " and all future transactions '' by forcing the screen on every transaction. 

I have called Vanguard XXXX regarding this screen. Once was several months ago, and they said they had recorded my choice and the screen would not show in the future. However, nothing changed, and it still forced the screen selection on me after every trade. I called again on XXXX XXXX, and spoke with a representative who stated that my choice had been recorded and the screen would not be forced upon me in the future. I made a trade today, and the screen is still mandated by the company. I have no faith in Vanguard making any changes to actually allow the customer choice to be the customer 's choice. I feel that other customer 's are either making an incorrect selection at some point to get to Vanguard 's desired selection, or give up trying to make another selection due to Vanguard 's purposeful repeated asks that just wears them down. I urge the CFPB to research this practice of a financial institution creating purposeful annoyances for customers to try and not have them make an informed decision.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

my loan servicer is seterus.they have over charged me for over a year on my school taxes. i received MY XXXX STATEMENT AND IT STILL HAD THE OVERCHARGED AMOUNT IF I DONT PAY IT I HURT MY CREDIT my mortgage servicer is seterus. in XXXX i received a letter stating my taxes went up. i checked with the town clerk and brought my statement to her. she told me they had been overchargeing me for over a year. i called seterus and they said they would refund the difference to me. my next mortgage payment still has the wrong amount. i called and got no where. if i pay the correct amount it will hurt my credit. im in a no win situation
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am a victim of Identity Theft I have reached out to Equifax Credit Reporting Agency about my matter and they told me they would submit a dispute against the company. I have submitted to them a copy of my FTC fraud affidavit and the account is still showing on my credit report. According to FTC account should be removed immediately.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello my name is XXXX XXXX on XX/XX/2020 my claim number is XXXX I contacted Bank of America after realizing my card was not in Possession I contacted the bank told them to send me another card after seeing transactions on my account I was then told to contact the claims team after the transactions posted I then contacted the claims teams for those transactions, I find it unfair to me as a customer to know that I can not count on Bank of America stating that they can not find fraud after me calling Bank of America to let them know that my card was out of my possession I have another bank account that I'm normally transferring money into and using so sometimes I don't even use my Bank of America card I also have a XXXX XXXX account so I am confuse and how Bank of America can't find fraud on my account Bank of America can't determine that my card was lost and also to tell me that my spending habit is the same As the person who use my card that not right at all that is hurtful and disgusting as a company and after my claim is approved I will be closing out my account you guys are horrible at all protecting my account
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

On XXXX/XXXX/XXXX I set an initial fraud alert with XXXX and was told they would share this request with Experian and XXXX. 

A couple days ago I received a document from Experian dated XXXX/XXXX/XXXX indicating that an initial security alert was added to my credit file. So far so good, the system works! This letter stated I can receive a free copy of my credit report by visiting their secure Web site. During the information entering process on XXXX/XXXX/XXXX the website crashed and kicked me offline. When I went to the secure Web site the second time to request my free credit report, and after the majority of steps were completed, I was told I was not eligible. I understand that these glitches happen so on XXXX/XXXX/XXXX I called Experian to discuss the issue with a representative. Unfortunately, every published number directs you to a automated system with no options that address the problem and no option to talk to a human!!! Of course, they provide plenty of opportunity to PAY for my credit report, the credit report that should be FREE! 
This really is a relatively straightforward issue that could have easily been resolved by talking with a customer relations person. However, since Experian does not seem to have any human customer service personnel, and after several unsuccessful attempts to contact a human at Experian, I had no other choice but to file a formal complaint. 

Thank you.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (IA)

XX/XX/XXXX My ex-husband told me he received a phone call ( voicemail ) referencing his date of birth, and saying they were looking for me for check fraud and his name was associated with the fraud. We have been divorced since XX/XX/XXXX.
XX/XX/XXXX I received a voicemail from a Ms. XXXX, who claimed to be a " Licensed Locator '' in XXXX XXXX County. She said she had papers to serve me at my residence, referenced an address I have not lived in in more than 3 years. Then stated that if I could not be served at my home, they would have to serve me at my place of employment. It was suggested that I, or an attorney should call the " Plaintiff 's '' office. 

When I did call the number and give the referenced " Case '' number, I was told that was not the correct number and that they could not control who the locator called and what was said to whom. 

The company was ARA, and the individual I spoke to claimed that it was not an acronym, that 's the name and would not give me a mailing address. He did not give me further information because he said that I had an incorrect case number.
Consumer complaint received 2022-03-29
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. (NC)

According to the 1970 FCRA, these unathorized and unverrified accounts need to be removed asap. This is stopping me from getting my home. 


These are the accounts that are unathorized and unveriified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX