davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I contacted Wells Fargo to request loan modification as I lost my job XXXX XXXX and was out of work until XX/XX/XXXX. I was late submitting XX/XX/XXXX's payment and contacted WellsFargo to assist in this matter. I was awaiting my first check from my employer and I requested a withdrawal from my retirement account to cover the mortgage. When I received these monies, I made XX/XX/XXXXand XX/XX/XXXX payments. It posted, but I received a notice from WellFargo regarding my account being delinquent. In the meantime, I completed a loan modification application with the attached requested documentation. XXXX XXXX ( first loan specialist ) denied receipt of the documents. My case was reassigned to XXXX XXXX, loan specialist. I have explained the circumstances that led to my need for assistance. In XX/XX/XXXX I was out of work for six months. I resumed work XX/XX/XXXX. My income changed dramatically as I went from making XXXX XXXX to XXXX XXXX. The mortgage is {$370000.00} and the monthly payments are {$2200.00}. With the decreased income I can not make the mortgage. When documents are submitted, they are either not received or additional requests are made by the specialist ( s ). This matter is sensitive to me and I do not believe it is being taken seriously. For example, yesterday I spoke with loan specialist XXXX XXXX and while on the phone she reviewed my submitted documents and advised me of what I needed to clarify : " Good afternoon XXXX, I completed reviewing your documents and these are the corrections that we discussed. Please provide the following : Signature page of XX/XX/XXXX tax returns Please date the letter regarding not receiving a payment for rent Please sign a statement regarding the employment that you provided Additionally, I will need your XX/XX/XXXX & XX/XX/XXXX check stubs ( not previously requested ) Please complete a real property schedule to include your rental property and your residential property ( not previously requested ) Please enter the amount of the total rent on your rental agreement to equal the payment from the renter and section 8 Correction to page 3 of mortgage assistance application. Please answer all questions. Section 8 approval letter ( not previously requested ) ''. While I understand that there may be a need for additional documentation, I do n't expect that the same documents are requested repeatedly. I am concerned that my credit rating will be damaged and I may be forced to foreclose.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

I have over a 90 day period dispute these account to remove accounts with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need accounts ( see attachments ) to be removed from my credit profile immediately.
Consumer complaint received 2020-07-21
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-07-21
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. (PA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2017-06-09
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. (IN)

EQUIFAX SPLIT MY CREDIT REPORT INTO 3 RESPECTIVELY!
<P/>
TO KEEP THE 3 FILES COMBINNED THEY SUSPEND 3 ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED ) 1 ) .CONFIRMATION NO.  XXXX   DATED  XX/XX/2016 -STATUS PENDING 2 ) .CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT EQUIFAX IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

So I had XXXX total in various bitcoin through a company called coinbase. It was hacked on the XXXX in i believe may through my unsecured email account and half of it was stolen. I still have another XXXX  of etherium in my vault which could not be hacked into because i have a very secured protonmail linked to the vault. I have frozen the account almost 2 months ago and have made sure I secured all my ends but they have not unfrozen my account and ignore my dozens of emails. I have sent them My ID plus many other self identifying records. I actually have video of myself goin g through my account and showing exzactly whats in it as I have sent that info to my cousins prasing the wealth of bitcoin. Now I have nowhere to turn ...
Consumer complaint received 2017-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

My employer transferred/distributed my pay o n    XXXX   XXXX  2017    to  JPMorgan Chase. JPMC d id not deposit the funds into my account. I have called repeatedly to get the matter resolved, and have been hung up on, transferred to departments that can not resolve the issue and generally not helped. I am a single mother ; this is my paycheck. Why is JPMorgan choosing to not assist me? Does n't it matter to them?
Consumer complaint received 2018-07-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2018 my XXXX and I inquired via phone with Huntington Bank about applying for a HELOC. We were encouraged to go in person to a local branch to discuss our options. We met XXXX ( branch manager ) who explained a few different options, and that the loan he was considering for us required a XXXX credit score. We were instructed to send pay stubs and proof of homeowners insurance, which we provided via email on XX/XX/XXXX. We did not complete any paperwork at the bank, nor did we sign an application. On XX/XX/XXXX we received an email that referenced some disclosures attached, but when we attempted to open the attachment file, it was empty. My XXXX  had opened the file and noticed documents ; however, they were removed before I could look at them. I emailed XXXX on XX/XX/XXXX to further inquire about the possible loan options and he never responded. We contacted XXXX 's supervisor who informed that we were denied due to low credit scores and late credit card payments, but that XXXX was looking into other options for us. I let the supervisor know that my XXXX 's credit score is XXXX which seemed sufficient for the loan we were told about, and he said that we needed a XXXX  score for the loan product. Further, we have no late payments on our credit cards. We have never received any paperwork or proper disclosures regarding this adverse action, nor did we sign any documents providing Huntington permission to run our credit. We are wondering if this is a RESPA violation, an ECOA violation or a combination of both.
Consumer complaint received 2017-08-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (CA)

I have a {$94.00} medical debt that 's negatively impacting my credit score. I called the company to set up a payment plan to get it paid off and removed from my credit score. I am pursuing payment for  deletion of the account from my score. The first man I spoke with tried to indicate to me that I owed {$110.00} and change, which is incorrect. My credit report and the bill from the original medical company both confirm the amount is {$94.00}. He then corrected and confirmed the amount. I requested our agreement of payment for deletion be put in writing, for my records and an assurance that it would definitely be removed. The representative said that he could not do that, at which point he transferred me to his supervisor in case she could. When XXXX XXXX, collections manager, picked up, she refused to acknowledge the {$94.00} bill and instead insisted that she 's legally allowed to charge me interest on a MEDICAL BILL on behalf of her collections agency. This is illegal. She attempted to bully me into accepting the {$110.00} amount, was extremely condescending and suggested I do " research so that I know what I 'm talking about ''. I then requested a copy of my recorded call with the male representative and her be sent to me for this report. She refused to furnish copies of the records of my communication with the male ( in which he promised the correct amount was due and a deletion upon payment ), and told me her line was private and unrecorded.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

THERE HAVE BEEN MULTIPLE ATTEMPTS TO HAVE CREDIT CARDS ISSUED OR EXISTING CARDS MAILED TO AN ADDRESS IN XXXX WHICH IS NOT MINE ( I LIVE IN XXXX, FL AND HAVE NEVER LIVED IN XXXX ). WE ENROLLED AND PAID FOR XXXX MONITORING. THEY REPORTED IN AN ALERT THAT A NEW ADDRESS WAS ENTERED ON OUR CREDIT REPORT. I CALLED EQUIFAX AND THEY SAID THE NEW ADDRESS WAS ADDED BY EXPERIAN AND THAT I NEEDED TO CALL THEM. I CALLED EXPERIAN AND THEY SAID THE REQUEST CAME FROM XXXX XXXX AND I SHOULD CALL THEM. I CALLED XXXX XXXX AND THEY SAID THEY HAVE NO RECORD OF ANY XXXX ADDRESS ON MY ACCOUNT. 
THE EXPERIAN CREDIT REPORT NUMBER IS XXXX DATE XXXX XXXX, 2016 THE ADDRESS THAT IS FRAUDULENT IS XXXX XXXX XXXX, XXXX, FL XXXX ADDRESS ID XXXX XXXX XXXX DOES NOT RECOGNIZE THE ADDRESS. 
I SIMPLY WANT THIS ADDRESS REMOVED FROM MY CREDIT REPORT SO SOMEONE CAN NOT TRY TO CLAIM THAT I LIVE AT THIS ADDRESS.
Consumer complaint received 2016-02-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Replied to ad on XXXX, was rental home from my home town in XXXX SC, I wanted to rent it for my Daughter and grandson, was asked by Email and Text by XXXX XXXX XXXX to send half the Deposit and XXXX Months rent to XXXX XXXX in XXXX, Arkansas zip XXXX, his personal assistant, I did this, then he said his attorney said he had to get all of it before sending keys, I explained would not send all of it ... the agreement was he would send keys and as soon as my daugther received the keys and they fit the door I would immediately send him the full amt. Then he says his attorney said he can keep money until he has the place rented. I told XXXX that I would be contacting everyone including the police in XXXX Arkansas to return my money ASAP I wired {$770.00} to XXXX XXXX in XXXX Arkansas on XXXX reference # XXXX through money Gram at Walmart. It was sent from XXXX in XXXX Ga XXXX. I have all the Emails and Texts to me and my daughter Thank you for your time and help
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2020 XXXX ran a hard inquiry on my credit report. I called XXXX the day I got the day the alert came from the Credit Bureaus that my credit was ran. I spoke to XXXX, she advised me it was an error on XXXX 's end. She provided me with the address to get the dispute taken care of. However, she told me I will need to wait a few days because the application she found didnt have an account number attached to it and I will need it to dispute the hard inquiry. After, I didnt receive anything with an account number, I called back on the XX/XX/XXXX and rep was able to close the account but still was unable to provide me an account number. 

I have written several letters to XXXX and the three credit bureaus ; TransUnion, XXXX and XXXX. XXXX has removed the inquiry because of the fraud that happened and have placed a fraud alert on my account since XXXX of 2020. However, TransUnion and XXXX is refused to remove the inquiry even though the inquiry is marked as fraud. 

I reached out to the police department and they advised because I never recieved a card, it isnt a crime. So I couldnt file a report. I was advised to reach out to CFPB to get a report filed and try to get it removed this way. 

As a consumer I need some help to get this fraud off my account. I am tired of large companies being bullies.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

XXXX XXXX, a PayPal Employee replied me. 
telling me I used XXXX XXXX to access my account, and that I have no money in my wallet. 

His email drives me crazy. 

I am falsely accused and embarrassed by XXXX. 

I was blocked from access my account, then they told me they will hold my balance for XXXX days, to enable them settle my customers before they can grant me access to my wallet. 

PayPal never told me that I used XXXX XXXX XXXX to a access my account before, it after my complaint to CFPB, PayPal emailed me telling me I used XXXX XXXX to access my account so they can steal my money, PayPal claiming I have no money in my account, is a big lie! 

For this reason I am requesting for my full account statement or account history, from the date I opened the account till date, showing every transactions With old and new informations in my wallet till date, including old and new informations changes in my account. 


That was a clear indication that my account was hacked, or there was a sinister move within PayPal on my account. 


There was never a time I used XXXX XXXX XXXX to access my account since I opened my PayPal account many years ago. 

In fact at some point my account became inactive because of XXXX XXXX I was out of business for some few years, my business was on hold, including my PayPal account. 

As a matter of fact, when I returned to my PayPal account after my XXXX XXXX, to my greatest surprise I saw a different phone number on my PayPal account, while my own phone number was removed completely, For this reason I wanted to view my balance, but PayPal wouldn't let me. 

when I noticed that, I quickly reset my password and my original phone numbers. 

( XXXX XXXX XXXX {$81.00} was my balance. 

Though I called customer service XXXX ago regarding the new phone number I saw on my account, and they promised to fix the problem. 

If my account was hacked by someone, else, why didn't I receive debit, or the transactions report on my PayPal account or on my phone? 

I believe PayPal swept my account from {$81.00} to {$00.00} Then restrict me from viewing my account balance. 
Then tell me to pay verification fee of about {$1.00} or {$1.00} XXXX times without refund. 
PayPal debited me XXXX times without refunding me as they promised. 

When they got tired of my complaint they decided to permanently block me from using my PayPal account, then they tell me I have no money in my account. 



Sincerely XXXX
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-03-03
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: EQUIFAX, INC. (GA)

I am sure this will involve XXXX  and XXXX, but Equifax has been a problem forever. I recently refinanced my home and also paid off my second mortgage and 2 auto loans. I have no alternative but for the accounts to close once they have been paid off. However, a drop of 66 points is just wrong. How am I supposed to improve my credit score? I have NEVER been late, my credit card balances DECREASE EVERY MONTH, yet I get dinged 10 % for closing an installment loan that has been paid off. I have tried to contact Equifax, but they offer not contact information and it is an endless loop of " contact an agent '' which brings me back to the same FAQ page. Is there nothing I can do about this? What is the incentive of paying off loans when the last payment is due if it is going to affect credit? If I get a loan now, I will have to pay a higher interest rate due to the decline in my credit score fro XXXX to XXXX. If anything, it should have gone UP. Equifax lowered my score 66 points, XXXX lowered it 46 points. What is the difference? There is nothing I can do about this, is there? Why bother with paying my bills on time? This is so wrong, and something needs to be done about it. I am livid. I did all of this to increase my score, but now I could file bankruptcy and probably have a higher score. Bunch of XXXX. Do something about this. Now, the loan I was going to renew will be much higher. Thanks for nothing.
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. I have a checking account with Chase Bank. About 2 years ago someone hacked in and stole about XXXX. The bank invesitgated and refused to give the money back until they found that the hacker phonied up a drivers license for ID. You should have this case in your records. Then when we filed a complaint with you they gave the money back. 

Today I got another alert from Chase that I have only XXXX dollars in my account. I have about {$18000.00} in the account which is my unemployment checks.. They are saying the account is a joint account with someone named XXXX. This is not a joint account never was and is a single account. This money was stolen and Chase needs to investigate but can not take 45 days to do so. the money is needed immediately. This is the second time this has happened. Chase changed his account number before and it still happened again.
Consumer complaint received 2018-07-05
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. (MO)

Not only have XXXX  breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX 4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}