davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX. I went to a wells fargo branch in XXXX, CO to make a withdrawal on my savings account. 
I came to find out that the bank closed the account, because according to them, it was dormant due to inactivity and the said they transferred the money ( total amount of {$2300.00} ) to the Unclaimed property department of the State of FLORIDA on XX/XX/XXXX. 

This is absurd because they had all my contact information and I never received any documentation that they where going to close the account! and also because it's a savings account ( so is supposed to not have activity ). And I am sure that the account had activity in the past 5 years ( but I have no longer online access to print it out ) That same day the branch rep sent me to XXXX to claim my property. I been looking for it until this day XX/XX/XXXX. My name or my property is not there. I contacted unclaimed property and they said that they can not start a case until my name appears on the website. 

its been over 7 months, I have gone multiple times to wells fargo ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to get them to help and give my money back. They said they transfer the money, but the state of FL says they don't have it. So my money is on " limbo '' and I have to suffer the financial consequences. 

I place complains in the branch, and ask them to give me my money back and the answer is always the same. To go to a website that does not find my name or money. I really need my money, I have done all in my power to get it back. 

I need the bank to be responsable, at this point I feel like they stolen money from me and they have to help me get it back, I can not keep waiting for month to get what is my money. 

Please help!
Consumer complaint received 2022-04-29
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX / XXXXXXXX XXXX XXXXXXXX and Account # XXXX, Account Name : XXXX XXXX XXXX and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

In XXXX of XXXX Wells Fargo approved XXXX reoccurring charges to my debit card that resulted in my account being accessed XXXX overdraft fees totaling {$100.00}. In the past Wells Fargo denied the payments which did not result in me being charged an with overdraft fees. I contacted Wells Fargo by email about what had occurred and received a response XXXX weeks later stating that the matter was under investigation. The investigation resulted with the overdraft fees being credited back to my account. Today XX/XX/XXXX I received an email saying that my account is overdrawn, I had forgot to cancel one of the reoccurring charges. I know this will result in an overdraft fee for something that should have been declined.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX, XXXX has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, XXXX, and XXXX. This is causing physical and emotional harm to XXXX XXXX and XXXX XXXX becuase I had to give up my job to become a permanent, full time caregiver for my husband who developed a chronic illness due to the COVID-19 pandemic. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. SLS. LLC MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless SLS, LLC makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. SLS, LLC falsely reported late payments for the XX/XX/XXXX mortgage payment ( XX/XX/XXXX fell on a Sunday ). They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was check dated prior to XX/XX/XXXX. It was it not a late payment. SLS. LLC continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. I called Fannie Mae on XX/XX/XXXX regarding this false reporting. The agent told me that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD ME TO CONTACT SLS, LLC IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. I wrote to SLS, LLC and demanded the corrections.
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (IL)

I recently turned XXXX and I just got a hold of my credit report and I see a lot of items that I do not recognize. I do not know what this stuff is XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

RADIUS GLOBAL SOLUTION MADE AN ATTEMPT TO COLLECT A DEBT ON XXXX FOR XXXX XXXX XXXX FOR AN XXXX  VISIT ON XXXX OF XX/XX/XXXX IN THE XXXX, AL. BALANCE OF OVER $ XXXX I HAVE NEVER LEFT CALIFORNIA. 

I HAVE HAD ISSUES WITH IDENTITY THEFT AND THIS CITY AND STATE ALWAYS COME UP. 

I HAVE NEVER RECEIVED A BILL FROM THIS COMPANY BEFORE OTHERWISE I WOULD HAVE REACHED THEM DIRECTLY AND THE INFORMATION THE COLLECTION COMPANY HAS IS PUBLIC RECORDS THEY ARE ABLE TO OBTAIN USING MY SOCIAL AND BIRTHDAY.
Consumer complaint received 2018-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hard inquiries must been done online illegally with my information I never applied for these XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-09
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (OH)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-06-07
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. (NJ)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )
Consumer complaint received 2018-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact XXXX and Transunion, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal limited my account for no reason and will not help me with getting back my money because they hol it for 180 days and i really need my money. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This complaint is regarding a balance transfer with my Capital One credit card. 

On XX/XX/XXXX i initiated a promotional balance transfer with my Capital One Venture card. 
The amount was for XXXX. The fee was 2 %. ( {$140.00} ) The Promotion was suppose to be 0 % APR until around XX/XX/XXXX. 

After the BT was completed, i was charged interest starting in the next pay cycle. 
On XX/XX/XXXX i noticed i had to pay {$91.00} in interest. 
I figured something was wrong, but i did not want to accrue more interest, so i paid off the balance. 

On XX/XX/XXXX, i received a letter from Capital One letting me know they had made an error, and that they would refund me the interest, but charge me the {$140.00} fee. 

By this time, i had already had to look into other solutions to pay off the deb so that i did not continue to accrue interest. 

If Capital One had processed everything correctly, there would be no complaints. But they made an error, and i in turn made a decision not to accrue more interest on my card. They realized their error, fixed it, and still charged me a fee after i made corrections on my end. 

This is not good business. They advertised a 0 % promotion, which i gladly accepted, and then they charged me interest. Then they said there was an error, and then charged me another fee after i took action. 

I called them in early XXXX, got transferred 2x, and then spend an hour on the phone talking to someone that would not help waive the fee.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX I requested a refund of a credit balance of {$430.00}. The person on the phone asked for my address, I gave her my address and she said that I would get the refund in about 30 days. I asked if it was going to be a Citi or a non-descript envelope and she said Citi. 
After the 30 days had passed I called again and was told that they were going to re-issue the check. When I gave her my address she indicated that they still had my old address on file. She corrected my address and told me to expect a non-descript envelope in 30 days. 
On XX/XX/XXXX I called about the status of my reimbursement. XXXX told me that it had been processed and that it should arrive by Thursday ( XX/XX/XXXX ). 
On XX/XX/XXXX I called about the status of my reimbursement and to speak to a supervisor. XXXX told me that a supervisor would call me in 24 hours. 
On XX/XX/XXXX I received a call from a Citi supervisor and she assured me that the payment was going to be reissued. She told me that she was going to find out if the check could be XXXX and that she was going to call me back to let me know. She never called back. 
On XX/XX/XXXX I called again and XXXX said that the payment was arriving that week. 
I have checked the mailbox every single day for months now and I have received no check. I get Citi 's junk mail just fine. Today is XX/XX/XXXX.
Consumer complaint received 2020-01-22
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: CL Holdings LLC (TN)

XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX  Jefferson Capital System Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  Opened XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020 my Nevada state unemployment debit card through Bank of America was frozen due to fraud. I had not placed any fraud disputes or complaints. I have I called both Bank of America and the state unemployment department at least twice a week as well as email them and continue to do so. So far i have called over 167 times and have sent over 200 emails. I have emailed them documentation to prove my identity and explaining the scenario nothing has changed. When I called the state unemployment department they blame Bank of America and when I called Bank of America and they blame the state department. When speaking to the unemployment department I am told that there is nothing wrong with my account that I should continue filing. However when I speak with Bank of America they tell me the opposite. All of this has caused me extreme stress by having my phone cut off, no means of transportation, and no way to pay my rent. I do not have family here and moved right before the pandemic lockdown. I can understand undue stress on families and believe this to be part of the increase in CCSD students XXXX.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (NH)

I paid {$700.00} on my Wells Fargo credit card for a XXXX XXXX XXXX furniture purchase. 
I was told by the credit bureau that only {$400.00} was applied to the principal. When I contact the company, they tell me all {$700.00} was applied to the principal, but the balance due, statement, and credit bureaus tell a different story. This was not applied correctly, and they are not even acknowledging an error occurred. This seems very deceptive and illegal.
Consumer complaint received 2020-01-22
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: MRS BPO, LLC (TN)

XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Fay Servicing LLC purchased my loan XX/XX/XXXX. After the initial letter about where to send the payments, I have not gotten any invoices or correspondence at all. I call them to see if I can get a balance or to see if the payment arrived and they inform me they " Can't talk to me because I am bankrupt '' I inform them my case was closed over 5 years ago. I have told this to at least 8 " account managers '' They all promise to " Change the system ''. I call and call for 2 years to no avail. I send emails. They never respond. They say " we can only speak with your attorney '' I don't have an attorney as the case was closed over 5 years ago. I keep telling them the same thing over and over. They put me on hold for 30 minutes at a time while waiting to " talk to their manager ''. I call customer service who promptly gives me a lecture about bankruptcy. I tell them the case closed over 5 years ago. Then they put me on extended hold again.
Consumer complaint received 2020-01-22
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. (FL)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I believe that somebody used my personal information and applied for this.
Consumer complaint received 2022-10-26
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have reported to the experian that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-04-29
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. (GA)

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

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C.1681 Section 604 A Section : It also states a consumer reporting agency furnish a account without my written instructions.