davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

My WellsFargo business credit card was closed last night without sending me a notice at all in advance, I was just surprise when I tried using it. They say it was because of my poor credit history. I never late in this card, paid on time. But they did not even bother to give me notice of their decision to close it. My poor credit history is not because I do not pay, but because of the debt settlement and was being handled. I even have more than enough checking funds to cover the measly {$2500.00} credit they gave me. 

My only issue with them is the unfair treatment I received, because of the perception they think based on my credit score, but not based on my performance in how I pay their issued credit card to me and as a matter of fact I am excellent consumer, never late, nor missed a payment.
Consumer complaint received 2017-09-20
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. (WY)

Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own backsides from getting sued like they rightly deserve.
Consumer complaint received 2020-10-24
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SN SERVICING CORPORATION (AZ)

My husband and I purchased a home in XXXX through XXXX XXXX XXXX. Two years later, we were very close to losing our home because of the recession and being in a  compromised financial situation. We had an 80/20 loan and the  primary mortgage which was with XXXX XXXX worked with us to keep our home. XXXX XXXX modified our loan and we were able to stay in our home. On the other hand, XXXX  XXXX XXXX which was the Home Equity Line of Credit did not modify and our account went into default. A few months later, XXXX  XXXX XXXX sent us a XXXX  balance notice and we thought everything was written off due to the predatory lending that XXXX and XXXX  XXXX XXXX were involved in. We thought nothing else of it until XX/XX/XXXX when realtors showed up at my door step informing me that they could help with our foreclosure. I was informed that this collection agency SN Servicing XXXX Trust has a lien on our property and is proceeding with foreclosing on our home come XXXX XXXX. I have received a Trustee Sale that has been filed with the XXXX XXXX Office. I feel hopeless. I thought that debt was taken care of by XXXX  XXXX XXXX. I have called XXXX  XXXX XXXX and they show no record of the original debt. How is this possible? We feel hopeless due to not having the XXXX balance notice. It has been 13 years and this debt collector popped out of nowhere. Is this legal to do? How can a debt collector take someone's home like this. It's been 13 years and we were victims of the predatory lending practices of XXXX. A few days ago I received a settlement check from XXXX law stating we were part of an appraisal class action lawsuit against XXXX XXXX XXXX. And now this. I can not comprehend and I need someone to explain what is happening here. I called the debt collector to see what was owed and it is outrageous. I looked this debt collector on the XXXX  website and they have 13 complaints against them. I am concerned with the validity of this debt.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (FL)

EXPERIAN CONTINUES TO CLOSE MY DISPUTES and EVEN DENY MY DISPUTES ONLINE. I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. I have tried to dispute it online via the paid subscription service I have and via mail. EVERY REQUEST I MAKE FOR A DISPUTE IS BEING CLOSED BY EXPERIAN. AS OF TODATE EXPERIAN HAS CLOSED 25 COMPLAINTS I HAVE SUBMITTED. ALL IN REFERENCE TO THE FRAUDULENT ACCOUNT XXXX/XXXX  XXXXXXXX XXXX. THE CONSUMER FINANCIAL PROTECTION  BUREAU COMPLAINT PORTAL DISPUTES ARE CLOSED THE SAME DAY I DISPUTE THEM. Experian tells me that it APPEARS NOT TO BE ME. Each time added days to the dispute allowing XXXX/XXXX XXXX XXXX  TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX/XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION. OF WHICH THIS INFORMATION WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX/XXXX XXXX XXXX  AS FRAUD.
Consumer complaint received 2023-01-12
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XX/XX/2019 and reported as paid if full on my XXXX, Equifax and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX  Manger and Equifax Manger confirming all student loan accounts along with premier bkcrd and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, Equifax, XXXX  and XXXX XXXX/Department of education started to report the accounts that showed paid in full closed XXXX and XX/XX/2019 as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and XXXX XXXX has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and XXXX XXXX has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent to all credit agencies was too large to load but can be provided with request. 

ALL PACKETS AND DOCUMENTS SENT CERTIFIED
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

On XXXX XXXX i used TransferWise app to transfer XXXX $ XXXX to XXXX. 
When I filled up information such a first, last name if receptionist, I checked currency exchange rates, fee, I realize other company XXXX has a better rate and lower fee. I didn't push the final button to complete this transaction. 
Then I found link on XXXX in group, a link for TransferWise, which is promising to have free international transfer. 
I try to transfer money by this link, it is showed me free transfer, then I proceed and pay with my credit/debit card XXXX XXXX XXXX. 
When I received my bank statement for my surprise I had 3 transactions by TransferWise : 1.XXXX XX/XX/160 $ US XXXX converted to XXXX $ Can 2 XXXX XX/XX/160 $ US which converted to XXXX $ Can. 
3.XXXX  XX/XX/160 $ US which converted to only XXXX $ Can, that it's mean shortage of XXXX $ Can. 
My ticket number for this issue is XXXX. 
I tried to call their number XXXX, nobody answered, automatic voice says- '' this number is unavailable ". 
I contacted them from the app to asked why they didn't refund me full amount, as I didn't proceed first transaction, even I have email confirmation they fully refunded my credit card, but wasn't! 
Confirmation email from XXXX XXXX XXXX : Money refunded ( # XXXX ) Hello XXXX, Your transfer of XXXX USD to UAH has been cancelled. 
So weve refunded XXXX USD back to your card. You should have it in the next 410 working days depending on how quickly your bank or card company processes refunds. 

Refund details Amount refunded : XXXX USD This what they answered on second email : '' Re : Cancellations and refunds XX/XX/2020, XXXX XXXX Hi XXXX XXXX Theres no fee for cancelling and refunding a transfer. Well always refund the full amount you paid us, regardless of the type of transfer you made. 
However, in reviewing your transfer XXXX, I can see you paid using an international card. When you pay using an international card, your bank might charge a fee to convert your money for you which seems to be the case here. You'll need to contact your card company. 
You paid in XXXX USD which is the amount we refunded back to your card. 

Should you have additional questions, let us know. 
Best, XXXX XXXX TransferWise Yesterday I spoke with representative XXXX XXXX XXXX they stated, they do not charge any fee, and suggested me to contact the merchant, what I did so. 
For some reason they can not dispute this transaction. 
I will take another step will go on Monday, XX/XX/XXXX to my local branch, and try to speak with supervisor or manager, will see what they gon na suggest to me. 
In the same time I hope you will help me out. 
Thank you, Best regards, XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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. (FL)

EVERY REQUEST I MAKE FOR A DISPUTE IS BEING CLOSED BY EXPERIAN. AS OF TODATE EXPERIAN HAS CLOSED 25 COMPLAINTS I HAVE SUBMITTED. ALL IN REFERENCE TO THE FRAUDULENT ACCOUNT XXXX/XXXX XXXX XXXX. THE CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT PORTAL DISPUTES ARE CLOSED THE SAME DAY I DISPUTE THEM. 





I HAVE BEEN SENDING AND UPLOADING LETTERS, AFFIDAVITS AND POLICE REPORTS to the EXPERIAN dispute portal since XX/XX/2020 up until today XX/XX/2020 DISPUTING THE FRAUDULENT ACCOUNT XXXX/XXXX XXXXXXXX XXXX I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 1 ) I HAVE PROVIDED THE FTC AFFIDAVIT. 2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS. 3 ) I HAVE SUBMITTED 5 REQUESTS IN  WRITING TO BLOCK XXXX/XXXX  XXXX   XXXX  FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 4 ) I HAVE SUBMITTED 20 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. XXXXXXXX XXXXXXXX XXXX  IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR XXXX/XXXX  XXXX XXXX ''
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I have a credit card with chase bank and thought I was on a 3 month deferment program because right before I previously Was, it turns out I was on a 1 month. This is due to me losing my field of work in California due to COVID 19. So I received a notification from experience that I had a 30 day past due acct with chase. So I immediately tried to login to my app which usually has all my info, there was no acct info at all. So then I logged in on my computer, no acct info either. So I proceeded to contact chase bank and asked them why I wasnt notified of being late at all. I had no emails, paper mail or phone calls on a XXXX dollar acct. so they said that I was contacted under the number XXXX, which was my number 13 yrs ago when I banked with chase. I applied on had gotten this card a year and a half ago with the number XXXX. They proceeded to tell me even though they used a number thats 13 yrs old it was my responsibility to stay on top of my finances.even blink fitness calls me if Im a couple of days late. I havent been late on a payment in several years. Also because the acct is past due I cant defer the minimum payment which I need to do because I cant pay it right now. So all in all, I received no notifications from chase once so ever and cant even view acct info online or on my app which I was able to do a couple of months ago.
Consumer complaint received 2021-04-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I have a current mortgage application with Bank of America that is still being processed. This is the second application I have had with them this month alone because they cancelled my first one without notice. After discovering it was cancelled and calling everyone that I could they helped by putting in a new loan with an expedite on it. I spoke with the manager of the lending officer who admitted the loan was cancelled the first time due to an oversight by his lending officer. However, he promised that the expedite would get the loan through and we could close as close to the initial date as possible. It is now 3 days away from when we were supposed to be closing on the house and I can't get anyone at the bank to respond to my emails or phone calls. The only time I get a response is if I call them out on ignoring us and the response received is " we aren't ignoring you '' but nothing to actually address our concerns or questions. our appraisal was supposed to be completed on the XXXX of XXXX and we still haven't been told if this has actually taken place or not.
Consumer complaint received 2020-11-30
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: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint because XXXX XXXX XXXX XXXX, XXXX, Transunion, and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. Thank you!
Consumer complaint received 2022-08-12
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than XXXX times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (NJ)

these inquiries dont belong to me. i tried to dispute but the companies said no account they cant help Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dispute this XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Dispute this XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/XXXX, XXXX, XXXX, XXXX, I sent out a certified mail validation request to PORTFOLIO RECOVERY ASSOCIATES, LLC. I have yet to receive a validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX XXXX XXXX and which per FCRA/FDCPA does not constitute verification. 

Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recieve quarterly credit updates for all three bureaus through a credit monitoring service. To date, the negative information placed by XXXX has been recently removed/aged off on both my XXXX   and XXXX reports. Upon noticing that Equifax was still reporting it and affecting my credit score, I went on their website to dispute the account still appearing. While reviewing what was listed, I noticed many discrepancies. First, Equifax was showing a " monthly payment '' for months when the account was already in a " chargeoff '' status. More importantly, they are reflecting a 1st delinquency date of XX/XX/XXXX which is inaccurate. That is when it was placed as a charge off, but the 1st delinquency date was after the last payment was made in XX/XX/XXXX. My credit monitoring report from XXXX shows the 1st delinquency as XX/XX/XXXX which is 60 days after the last payment was made. When I called them today, the representative stated they will reach out to XXXX and I need to wait 30 days. She told me I will have to wait until XX/XX/XXXX. This is not an XXXX issue, but an Equifax issue. They are reporting false information and are refusing to follow the law and remove the account.
Consumer complaint received 2017-09-20
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. (CO)

XXXX had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.