davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I was a victim of a scam that phished my business checking account with small charges to XXXX XXXX over 60 days with long periods between the charges. After the 60 days, large charges were made : XX/XX/2021 for {$590.00} followed by XX/XX/2021 for {$2500.00} and XX/XX/2021 for {$120.00}. 
I discovered the XX/XX/2021 charge and called Wells Fargo to report the fraud. I also discovered the two XX/XX/2021 charges that were " in process '' and had not yet posted to my account. These charges should have been rejected but were allowed to post on XX/XX/2021. Wells Fargo said that was normal and they would then be reversed. Wells Fargo did not reverse them. In addition these charges were allowed even though my debit card had been turned off AND there were insufficient funds in the account. 
In all there were 11 XXXX XXXX charges made without a card present for a total of {$3500.00}. There were never any charges to XXXX XXXX approved by the owners of this account. 
Wells Fargo investigated my claim and denied all claims that occurred outside the 60 days per their policy. They returned {$45.00}. 
This account currently has a negative balance- {$770.00} To reiterate, while I understand the 60 day liability policy, the 3 charges on XX/XX/2021 and XX/XX/2021 should never been allowed to post ( unauthorized purchase, account disabled, insufficient funds and fraud reported ). Wells Fargo 's unethical business practices should be further investigated.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (GA)

I disputed XXXX XXXX several times for it reporting incorrectly on my Equifax report over the past few years. After several attempts with Equifax the item still remains listed and is incorrectly reporting. XXXX XXXX has been removed from XXXX and XXXX reports for over six months. I have tried reaching out to the XXXX XXXX and they have failed to respond concerning this account. Equifax has not been updated on the credit report as they suggest so they are able to continue to report inaccurately. I would like this account deleted immediately as I have tried to have it removed for the past few months with no avail.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California (CA)

I wrote a letter to Collection Consultants on XX/XX/XXXX, letting them know they could no longer have my medical collection debt because of HIPPA violation laws. They returned a letter to me on XX/XX/XXXX, verifying they have the debt and they still wanted me to pay for it. It is beyond the statute of limitations ( the debt is over four years old and the statute of limitations in California is four years ).
Consumer complaint received 2022-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I took parent plus loans for my childs schooling and ended up consolidating them and Navient ended up with the loans .I contacted the Navient several times during repayment about the payments not being applied to the balance.I recently decided to look at the life of the loan and contacted a Navient Advocate about payments made that were not for the right amount applied. 
Because of this I had late fees for the life of the loan. 
The payments were short more than 80 % of the time. 
The payments showing were always different than the actual payment only a few were correct. 
I made a large payment to pay off the loan accounts because the balance was increasing substantially from fees and never having a reduction in the original amount loan amount. 
I noticed the payment was shown by the advocate as being {$6000.00} Short. 
I am frustrated and want a refund of the overpayments I made. 
The amount is a lot not including the extra fees tacked on. 
This needs to be addressed it has created a lot of hardships for parents and students. 
Education is very important to the future of our country to prevent our economy from having the problems that exist currently. 
Support the education system and dont create hardships for families.
Consumer complaint received 2022-08-04
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. (FL)

In accordance with the Fair Credit Reporting act USBK COURT XXXX FLORIDA 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 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (DC)

I have contacted Rocket Mortgage five times in the past three weeks trying to apply for the CARES Act forbearance and each time they tell me to call back. They sent me a two page form that states I can fill it out with them over the phone but today when I called, XXXX said she can't fill it out. She said " everyone has been affected by COVID, so, how has it affected you? Loss of a job or something? '' I said I was applying for the CARES Act forbearance and I don't think they can ask about death in the family, etc and she wanted to process it as a foreclosure mitigation. Is that legal? Can she insist on asking about how COVID specifically impacted me? I'm only asking for the CARES Act forbearance, I shouldn't have to send in medical information.
Consumer complaint received 2017-03-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (VA)

My daughter has a private student loan with wells Fargo. She has truly a high monthly payment which she was making initially, with my assistance. Then when she could no longer make the higher payments, she called wells Fargo, to see if they would accept lower monthly they payments, they refused to work with her. She started sending them what she could afford, which was {$300.00} a month and now her account is in default. She called them again and they still refused to work with her on a reasonable monthly payment. She has been receiving several harassing phone calls and several letters. She 's at her wit 's end and does n't know what else to do.
Consumer complaint received 2015-07-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Innovative Mortgage Services, Inc. (CA)

Complaint Description : Possible fraud on multiple federal loan applications by Innovative Mortgage Services and their broker, XXXX XXXX I submitted two loan applications with XXXX XXXX, of Innovative Mortgage Services, who told me that I had been prequalified for XXXX ( XXXX ) 25 % loans with XXXX for investment properties in XXXX, FL. Each property is under contract for purchase of {$150000.00} each. I was denied the loans that I was " guarenteed '' by XXXX but qualified for loans not discussed at anytime during the loan process. XXXX XXXX stated that he tried to " trick the bank '' by getting me a different loan by a method that he was not willing to disclose. He also told me that he had withheld information from about my loan application from me and what I would as qualify for. I feel he was not only dishonest but failed to disclose all relevant information that he is required by law to inform me of. I attempted to contact his supervisor, XXXX XXXX, on XXXX XXXX and have yet to receive back from him. I have informed XXXX XXXX XXXX XXXX in Florida of the situation and they have immediately brought this to the attention of the bank president and are currently conducting their own investigation. Contact info for XXXX is XXXX XXXX XXXX XXXX XXXX behavior has been unethical and illegal. He knowingly withheld information from me and lied on a Federal XXXX. I addressed these claims to him and he admitted guilt to me on the phone on XXXX XXXX, 2015. He told me to " take the loan or find someone else. I have also contacted XXXX of the situation and they are also conducting a similar investigation.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

Hello, I am a first time homebuyer and have had my credit score pulled by the three main credit bureaus -- Equifax, XXXX, and XXXX -- through several lenders. XXXX is the only bureau that reported my correct social security number. 

Only one of the lenders we have considered going with doubled checked my credit score and found that it was incorrect on Equifax and XXXX 's reports. I started a dispute with Equifax on XX/XX/XXXX. They claimed it got fixed online but I received no email confirmation nor could I read the PDF file they attached to my account. I called them and had someone help me " fix '' it over the phone. They claimed it got fixed on XX/XX/XXXX. I had my lender pull my credit again today on XX/XX/XXXX and it was STILL incorrect. 

I started a dispute with XXXX and priority mailed the required information to them ( ID + social security number ). The number is STILL incorrect on the credit report. 

These two bureaus slowness in fixing my incorrect social security number is preventing my family from getting fully approved to buy a home. In this very competitive Utah market, it is making us miss out on great homes for my family ( including my 8 month pregnant wife ) because of their slow process. It's their fault we can not buy a home.
Consumer complaint received 2022-08-04
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. (TX)

Credit Bureaus violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. Here are my certified mail tracking # XXXX and XXXX. 

I recently received a result from a dispute that was finalized weeks ago. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I am saddened to learn that they somehow verified these disputed items, stating to leave it on my report. I am absolutely certain that these items that were disputed are incorrect and should be deleted, you have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX Send complete method of verification I am readily interested to learn how there investigator arrived at this erroneous conclusion. I demanded to see a complete list of all and any documents along correspondence from each person contacted. I asked them to include all names, addresses, and contact information of employees that they spoke to as part of this investigation including the date and time with phone number given, please. I have enclosed all previous letters that I sent to you previously but are once again enclosed along with this correspondence in order to help you process this request demanded. This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unwarrantable, hurtful, and undeserving to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied. I expect to receive a response from these XXXX companies within 15 days upon receipt of this letter, or you have a choice of deleting this from my credit report as I also expect to see the item permanently deleted from my credit report based on the unreliability of the information furnished. 

The below attachments represent the latest results of disputes from TransUnion and XXXX. 

Thank you for your prompt attention. I look forward to getting this predicament resolved as soon as possible.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NV)

Sequium Asset Solutions reported a delinquent XXXX XXXX account on my credit report. Neither the name or address are mine. I contacted Sequium and informed them to which they stated that they would place the account in a fraud status until further investigation was done. That simply means they won't try to collect the debt, but they were not saying that they would remove the account from my credit. I informed them that this is the 2nd collections company to have reported it to my credit and the first one was deleted by the XXXX XXXX XXXX and the credit reporting bureau. Additionally, I have a fraud alert on my credit specifically due to this activity. They made no effort to collect any amplifying information from me with the intent to delete the inaccuracy from my report. I was told by Sequium that I would need to contact XXXX XXXX XXXX to have them " pull it back ''. I did that and XXXX XXXX XXXX told me because it was already sent to an external collections company that Sequium would have to delete it. Sequium is the 2nd company to irresponsibly report negative debts on my credit for this account and should be reprimanded for it. Collection companies should have a responsibility to verify the identity of accounts before sending them to the credit bureaus. Based on the information contained on my report, Sequium made little if any effort to make notification or attempt a collection before reporting it. The time between the account being deleted the first time to the second reporting of it was less than 60 days. I only found it by happenstance. 
Attached is the correspondence with XXXX XXXX XXXX. They determined the account to be fraud and deleted it, so I expect Sequium to do the same.
Consumer complaint received 2022-01-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. It has been over 30 days so they should be deleted promptly. I'm demanding that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-05-30
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. (LA)

I am an victim of idenity theft and my police report has been sent and received to XXXX  and they refuse to reach back out to me on why my inquiries have not been deleted after three months of continuous calling and sending police reports. I need the following inquiries removed that I did not authorize XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Automobile Dealers, XXXX XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ Sales Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry fromXX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX+ Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + General Clothing Stores XXXX XXXX Inquiry from XX/XX/XXXX+ Miscellaneous Reptg. Agencies
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (ID)

I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On Wednesday, XX/XX/2022, I received a text message from phone number XXXX that said the following : " Free Msg : Wells Fargo Bank Fraud Dept : XXXX Did You Make A Scheduled XXXX Transfer for {$2000.00} : Reply Yes Or No. CA XXXX OPt Out Reply Stop '', to which I replied, " No ''. Another text came reading the following : " Wells Fargo Bank Fraud Dept : Thank You No Further Action Is Needed A Customer Service Representative Will Be Contacting You Shortly @ XXXX ''. Shortly following this message, the call came in, I answered and a man who said he is a WF representative explained that there had been unauthorized transfers from my checking account using XXXX to a XXXX XXXX XXXX account. He then told me to sign on to my online banking account, register my and phone number to be a recipient in XXXX, and then send the money back to myself to reverse the unauthorized transfers. I did so, first, in the amount of {$1500.00} and again in the amount of {$1000.00}. After doing this, I went back to my checking account and noticed that the amount was gone and asked the rep what happened to my money and that I didn't understand what was going on. The rep then got his " manager '' who told me I needed to make another transfer because the other two may not have gone through. At this point, I realized I was being scammed, hung up and immediately called actual Wells Fargo to report the scam. They opened up a claim for each transaction amount and told me they would investigate and if the claims were substantiated, they would provide me with a credit for the amounts in 10 business days. I heard nothing after 10 business days, so I called this afternoon ( XX/XX/2022 ) ( business day 11 ), to check the status of my claims. That is when the WF fraud rep told me that the claims were investigated and that I authorized the transfers so they would not be giving me a credit despite being a victim of an apparent and well known scam. The rep then explained the only thing they could do was request Bank XXXX XXXX send back the money, and if XXXX agreed, WF would issue me the credit. I then asked to speak with someone in WF 's escalation division and was connected with another rep who explains the same info as did the previous rep. He eventually offered to file a customer complaint on my behalf with WF about the bank 's policy on erroneous XXXX transfers, and informed that letters were being sent to me regarding the outcome of WF 's investigations of my claims.
Consumer complaint received 2017-08-15
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. (IN)

On XX/XX/XXXX I called transunion credit report asking about the inquires taken off and put back on my credit report. They told me that report was not affected but i did see my inquiries were taken off and put back on. I would like to know the dates and they this glitch took place. I would like this inquires taken off my credit report.
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc. (NJ)

In XXXX XXXX I spoke to XXXX at Remex who explained that Remex does not own this account and it had been sold per XXXX XXXX XXXX to another company. I called recently because the account is still on m XXXX account and I was told to pay them. I explained this is not my debt is part of employment verification done by XXXX hospital inXX/XX/XXXX. I explained to the representative that Remex does not even own this debt to attempt to collect would be abusive on their part and XXXX Hospital is responsible for the debt. I asked the representative to provide all paperwork regarding the debt and she refused to provide. 

Remex has never provided proof debt the company sent a bill. Remex has not submitted proof signature and proof of my identification, and contractual obligation with XXXX XXXX 's stating they have the right to collect on this debt.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (OH)

I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXX NA to access my credit profile. In return the representative told me that they can not delete the inquiry.
Consumer complaint received 2022-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (VA)

I have sent a registered letter requesting proof of debt to this Collector credit control XXXX va It was mailed out XX/XX/2021 They have failed to send a proof of debt credit control group XXXX XXXX XXXX XXXX va XXXX Ph XXXX total amount is XXXX $