davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

We started a home mortgage with the XXXX  XXXX XXXX in XX/XX/XXXX. It was promptly sold to XXXX XXXX, who has since improperly serviced our loan.

The documentation at closing, according to Wells Fargo, showed that the previous bank stated the taxes due on an annual basis were {$4200.00}. We signed an agreement that said our mortgage amount would go up in the next year due to an increase in taxes. Our mortgage amount went up a few dollars, and so we thought " okay. '' Wells Fargo did not perform an assessment to determine the correct mortgage amount due until 358 days after it purchased the loan. It stated that this was acceptable and within its policies. When Wells Fargo performed the assessment, Wells Fargo used the previously paid tax amount to determine the tax amount due, instead of pulling the actual amount due from the taxing authority. As much as they say
we were on notice that our taxes could increase, Well Fargo, too, received this notice and never acted upon it to determine if any such increase was made with an appropriate tax authority.

Wells Fargo failed to check and follow up to see what our tax amount
was due with the XXXX  County  tax office until XX/XX/XXXX ( 18 months after it purchased our loan ), for which it determined there was a substantial shortage in the account and increased our mortgage amount by $ XXXX during substantial COVID financial stressors.

Wells Fargo looked into this and stated that this is precisely acceptable and within its policies. Specifically, Wells Fargo allows itself 365 days to assess a newly purchased account and it performed that assessment on day 357 out of 365 -- the midnight hour. When it made the assessment, Wells Fargo relied on another internal policy that allowed it to rely upon the previous tax amount paid instead of looking at the tax amount due to the taxing authority -- for which this information was publically available and free at this time.
It was Wells Fargo 's late analysis and policies supporting the use of bad data ( previous tax amount paid by the owner in XXXX ) that resulted in a {$10000.00} accounting error by Wells Fargo. However, it was the customer who ultimately paid the penalty for Wells Fargo 's accounting errors as Wells Fargo independently increased our mortgage amount due by a substantial amount to recoup the losses associated with itsaccounting error.

Originally, I wanted Wells Fargo to merely apologize for such a terrible customer service outcome as a result of their internal policies -- we did nothing to bring this upon ourselves. But, Wells Fargo continues to maintain that its actions and this outcome is entirely acceptable.

I'm hoping the CFPB has jurisdiction to address Well Fargo 's conduct and impress upon it how unacceptable these types of outcomes are.
Consumer complaint received 2021-05-25
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. (MS)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA XXXX  Fraud XXXX Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed 1XXXX XXXX Stop payment on XXXX purchases. 
XXXX ID request for deletion XXXX XXXX. 

Unusual notification-former emails and cell number no longer in use ( dated ). Sent duplicates of notification have been in use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2020-10-27
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. (CA)

Back onXX/XX/XXXXI mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
Consumer complaint received 2017-12-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
Consumer complaint received 2021-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

I am filing a complaint against Suntrust bank regarding my home equity line and how they are reporting my payment history to the credit bureaus. I have spoke on the phone with numerous SunTrust representatives all in a desperate attempt to repair my credit which was destroyed by SunTrust due to a bank error which occurred at the XXXX XXXX, Maryland branch in XX/XX/2020. The bank took my husbands principle payment of {$8500.00} for which we have a receipt and an made it a regular payment instead of a principle payment. That apparently kicked our account off of auto pay since they entered it wrong. When they went back in to put his payment toward principle instead of as a regular payment, that made it that there was no payment in XXXX and by XXXX they had us as 30 days late. We were never informed that they made these mistakes with our payment. It took me hours to figure out what the bank did wrong and why we were getting late payment notices. Once everything was figured out, they credited back my account all the late fees since it was a bank error. I assumed all was taken care of properly until my credit dropped over 100 points! I was informed that SunTrust is reporting us as 30 days late on our mortgage from XX/XX/2020. I assumed this would be an easy fix for SunTrust. However, NO ONE at SunTrust will take ownership and fix this issue. I was on the phone with XXXX XXXX for an extended amount of time. She read the notes, acknowledged the bank error and sent it to the investigative department again. However, I received yet another letter from Suntrust advising me that they will not change the 30 day late on mine and my husbands credit report. I sent follow up emails, went into my local branch. I have called numerous 800 numbers. I missed one call from a man from Suntrust who was supposed to be investigating. His name is XXXX at XXXX ext XXXX, I called everyday and left five messages pleading for a return call and I get nothing. I have been with the same bank since I was 18 years old. My credit was SPOTLESS. I need someone to help me fix this and no one from Suntrust has agreed to help.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Date Opened XX/XX/2018 2018
Consumer complaint received 2018-07-27
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: Ad Astra Recovery Services Inc (MO)

Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted XXXX XXXX XXXX who is the collection company handling the accounts. I've asked on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that XXXX looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. Reporting by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Bankruptcy Court
Consumer complaint received 2018-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After pulling a copy of my credit report there are some inquiries that i did not authorize and they are being reported on my credit report. i have requested for a compliance check and asked that these inquiries be removed immediately from my credit report and my letters have went ignored after sending certified with the return receipt.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a piece of mail from Bank of America which stated that they recently received two applications from me for a Mastercard. I never applied with Bank of America for a Mastercard.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (SC)

I came across my credit report recently after I have filed a dispute in regards to incorrect items on my credit report with Caine & Weiner and it was removed on or around XX/XX/XXXX however ; this account has reappeared back on to my XXXX  credit report despite the fact that its against the law to replace a negative item back on to my credit report after it was removed.
Consumer complaint received 2019-08-19
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. (FL)

Hello, how are you writing this letter regarding a few that were fraudulently opened, I have already tried to dispute these few but have not been able to eliminate them from my credit report, I have an affidavit identity theft and report these accounts as fraudulent please remove  these accounts of my credit report THANKS ..
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MD)

I received an email XX/XX/2021 from AppleXXXXGoldman Sachs that my account was closed because of a There was a failure to comply with the terms of the Customer Agreement when I called them they referred me back to the vague letter. They escalated the complaint and assured someone would get back to me as of today one week later nobody has gotten back to me. I have called 4 times since then and spoken to all sorts of supervisors who have told me they dont know and nobody knows the reason my account was closed. But I should refer back to the letter Apple sent. Another supervisor responded that Apple can cancel anytime they want for no reason. Thats seems incorrect as the terms and agreements state Apple can close any account for any reason under applicable law. Nobody is able to tell me what law that is. I have been on the phone for hours with them and nobody seems to want to or care to help. This hurts my credit and seems very unfair. 
As it is an Apple Card and it is closed I dont have access to the number on the card.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

RECENTLY, I BELILEVED MY XXXX CARD HAD BEEN HACKED SO I PUT A FREEZE ON IT. I WAS TOLD I COULDN'T USE IT WHILE THE FREEZE WAS ON SO I APPLIED FOR AN ADDITIONAL CARD UNDER A SEPATE ACCOUNT. EXPERIAN DENIED THE APPLICATION STATING THAT I COULD NOT PAY MY MORTAGE IN THE AMOUNT OF {$3100.00} PER MONTH ON MY INCOME OF {$1600.00}. i ONLY PAY {$1000.00} PER MONTH WITH {$670.00} FOR MY OWN USE. MY DAUGHTERS PAY THE BULK OF THE MORTAGE AND FUNISH MY FOOD, ELECTRICITY, AND ALL OTHER HOUSEHOLD EXPENSES APPLICABLE. XXXX XXXX CREDIT HAS ME WITH A XXXX CREDIT SCORE.
Consumer complaint received 2020-10-27
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I am a victim of identity theft. I learned in XX/XX/2020 that my personal information was used to attempt to open an account at Ace Cash Express and therefore place a hard inquiry on my credit report. I first called in XX/XX/2020 where I was told they would take care of it in the next 7-10 business days. When I called back in XX/XX/2020, they said that whoever I talked to in XXXX was incorrect and that I needed to write them formally via USPS ( the only company of several that asked me to do this vs taking my directive over the phone after verifying my identity ). I sent them a formal letter along with an Identity Theft Report from the FTC on XX/XX/2020. Almost 6 weeks later, I have yet to hear back from them.
Consumer complaint received 2018-02-28
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: Nicholas Financial Inc. (IN)

I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX sold my mortgage to Specialized Loan Services and notified me by mail, received on XX/XX/XXXX. My first payment to SLS is due XX/XX/XXXX. I have still not received any correspondence from SLS. I called SLS in XX/XX/XXXX and SLS rep gave me my new loan number and they were unable to provide any other info stating that the loan is in a boarding process. 
I tried calling them twice in the past week and today and unable to speak to anyone. Today, I was able to access my account online with SLS. I see that my escrow shows a balance but states non tax escrow account. They only show my homeowners policy info. I had escrow impound with XXXX XXXX for property tax and HO insurance. It appears that SLS received rollover of my escrow balance approximately $ 3,4xx.  This amount should cover for my property tax as well. My next prop tax is due soon. Please help. There are many other customers going through this issue. We should not be treated like this and there seems to be no corporate responsibility on the part of SLS. You  can reach me at XXXX. Thank you.
Consumer complaint received 2020-11-13
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. (FL)

Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland credit agreed to delete the account from all three credit bureaus if the account was resolved. The account was paid as agreed by their attorneys within the specified time frame. Midland credit has failed to remove the account and shows a past due balance although the account has been resolved in full.
Consumer complaint received 2020-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Business and Consumer Solutions. (NJ)

I contacted FBCS back in XX/XX/XXXX certified mail regarding the company illegally pulling my credit since XX/XX/XXXX. However, the company never responded. However, after I notified FBCS certified mail with a dispute letter regarding them pulling my credit without my consent, authorization, or awareness. No response. FBCS, failed to respond, instead they waited several months later to add an account to my credit reports, while failing to respond to my dispute letter sent back in XX/XX/XXXX in regards to the unauthorized inquiries. When I initially contacted the company certified mail regarding them pulling my credit, there were no accounts that were listed by FBCS or had been added to my credit reports. However, after they signed & received my dispute letter that wanted to know why they had been pulling my credit, the company ignored the dispute letter ( s ), waited several months, and just added an account onto all 3 credit reports. I had to learn about their deceitful actions by accessing my credit reports. When I contacted the credit bureaus, the company then continued to update and falsely verify the account as belonging to me, yet the collection agency never contacted me prior to falsely adding an account to my credit or after. I learned about FBCS illegal credit pulls by obtaining a copy of my credit reports. However, no contact of any sort was ever done by FBCS. On XXXX XXXX, FBCS signed and received another dispute letter sent certified mail. This letter outlined all of the illegal violations FBCS conducted back in XX/XX/XXXX, and highlighted how they failed to respond back to my certified dispute sent to them back in XX/XX/XXXX. The letter also explained the violations and how they continue to do them. However, after FBCS signed and received a recent dispute letter on XXXX XXXX, again no response or reply was ever provided from the company. The XXXX tracking # XXXX XXXX XXXX XXXX XXXX was signed and received by FBCS on XX/XX/XXXX.
Consumer complaint received 2021-04-02
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)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX