davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I am submitting this complaint against WELLS FARGO due to the article recently released online, which can be found here https : XXXX, as well as their continued ILLEGAL PRACTICES with loan modifications. 

as well as this articleXXXX XXXX XXXX XXXX XXXX, which alleges wells fargo allowed a foreign bank to illegally make hundreds of millions in transactions. 

as well as this article, XXXX XXXX XXXX, which is a text book description of exactly what wells fargo did to me. 

I lost my job due to covid-19 and couldn't pay my mortgage. i reached out to wells fargo and was told by an employee " we can offer you the deferment program and when you are ready to resume payments we will take the missed payments and add them to the end of the loan in months, your APR will not change and your monthly payment will NOT change. '' when i went to resume my monthly payment i was told " i DO NOT HAVE A CHOICE in what program i use. '' i was then given the option to sign paperwork that restarted my mortgage to 360 months, changed my APR and increased my monthly payment from XXXX to over XXXX, or BE FORECLOSED ON. WELLS FARGO then threatened to foreclose on me if i did not submit the paper work in time. My principal balance on the loan when i initially bought the house was XXXX XXXX, AFTER the illegal loan modification, and paying 7 years of mortgage payments, my NEW principal balance is XXXX XXXX. so if you do business with WELLS FARGO you get to pay seven years of mortage payments, ontime, never missing one, and they thank you by taking those payments, and screwing you over the first chance they get.

My " choices '', which WELLS FARGO TOLD ME I HAVE NONE, were 1. sign the paperwork, lose close to 8 years of mortgage payments, restart my loan to 30 years, increase my APR to 7 % roughly, increase my monthly payment to XXXX plus. or 2. LOSE MY HOUSE AND LIVE ON THE STREET .... 

so we have WELLS FARGO saying one thing then doing the COMPLETE OPPOSITE. 

This is a record keeping submission. I want to be fully involved with what ever lawsuits or court decisions come from this banks practices as a whole. WELLS FARGO took advantage of me and is taking advantage of thousands of other people. 

By doing business with wells fargo, they stole 7 years of mortgage payments from me and LIED through their teeth to get it. if i was told at the onset of this entire ordeal that " YOU DO NOT HAVE A CHOICE IN WHAT PROGRAM YOU USED. '' i would have NEVER deferred my mortgage. i WOULD HAVE TAKEN THE SECOND JOB AND MADE ENDS MEET. but on the untruthful word of a WELLS FARGO EMPLOYEE, who refused to give any identify information about herself, i thought the bank was going to help its customer during covid. the bank only HINDERED its customer to HELP its own gain. 

WELSS FARGO needs to license to bank in this country REVOKED.
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent Experian a dispute for the following accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been more than 30 days and Experian has failed to notify me about these accounts. Since they have failed to give me any info on these accounts they have failed to obey the law. They must removed these accounts since they were not able to respond. I know they received my letters because in the same certified letter I sent I sent dispute for inquiries and they were deleted. So I know the disputes for the accounts were ignored as you can see below these are the letters I sent and copy of certified mail receipt.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax + XXXX XXXX, To Whom it May Concern : On my XX/XX/XXXX Equifax credit report it says I have late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the below XXXX  XXXX account : - XXXX  XXXX XXXX XXXX XXXX  XXXX Enclosed with this complaint/dispute is a letter from XXXX  XXXX dated XX/XX/XXXX that clearly says they have submitted a request with all 3 CRA 's , and Equifax, to remove the delinquencies from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The letter clearly states my account was a secured card, was closed XX/XX/XXXX, with a {$0.00} balance owed. 

Therefore, there should not be showing late payments as well for XX/XX/XXXX and XX/XX/XXXX. 

Enclosed with this complaint are : - my drivers license - my address- my w2 for social security number proof - written complaint - letter from XXXX XXXX - screen shots of my Equifax report where these are showing Please have this handled, as the letter from XXXX XXXX says immediately, as this false information is damaging my credit and my ability to obtain credit.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY COMPANY Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPANY Reported : XX/XX/XXXX. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-07-02
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. (KY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 2022-09-22
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. (CO)

I sent Transunion a letter due to 10 fraudulent and unauthorized inquiries on my credit report. I placed a freeze on all three of the credit bureaus because of these and Transunion has yet to remove them.. 

Ive included the letter and a copy of the inquiries from my credit report
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MO)

On XX/XX/22 I attempted to purchase tickets through a XXXX XXXX for sporting events. I was contacted by the actual group admin who said she had tickets. We agreed on a price of {$800.00} and I sent the money through XXXX using my Wells Fargo app. At that point the seller had my XXXX account information and said she was then sending the tickets. She then blocked me on XXXX and I never received the tickets. I filed a complaint with XXXX showing all the message conversations and the fact I sent her my XXXX account. I also provided information that showed no tickets had been sent to my account. They immediately closed the page down and banned the seller. I then contacted Wells Fargo and filed a complaint. I was told by two different employees that I would be able to receive my money back. I also asked them if they needed any proof of the conversation or from my XXXX account. I was told " no '' and if any info was needed I would be contacted. I reached back out to Wells Fargo on XX/XX/22 and they informed me my complaint was closed and they were not going to refund my money. They said they sent a request to the bank the transaction went to in order to recoup funds but no response was received. They also told me to reach out to the financial institution that the transaction was received. However they told me they did not have that banking information. I offered proof of the XXXX  messages as well as the XXXX information and they declined to receive it and told me to take that to Law Enforcement. At this point they are telling me I am out {$800.00} even though I had proof it was a scam.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (MO)

In accordance with the fair credit reporting act Account # XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$450.00} {$450.00} No. of Months ( terms ) : - - High Credit : {$450.00} {$450.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-29
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. (LA)

I have called each bureau about fraudulent inquiries on my report XXXX removed some Equifax said they would be removed after 24hrs but they still remain on my report. XXXX was not helpful or cooperative with me about removing the fraudulent inquiries. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. XXXX XXXX did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. XXXX XXXX is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.
Consumer complaint received 2018-12-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NC)

I have had a paypal account for many years, I have been trying to get them to remove my bank account information from them for months. I have emailed them. I have called them. They say that you can remove it from the web, you can not. They will not allow you to. They always say you have an existing transaction even when you do not. They say they can not verify you by any other means other then cell number. They text me when I am on the phone and it doesn't go through. Because I am on the phone. I have stayed on the phone with them for hours and they will not remove my bank information. If I close this account, I feel like they will keep my bank account information in their system. I have no outstanding payment. 
What can I do? This is a problem for many people, you can see this by a simple search on the web.
Consumer complaint received 2022-08-29
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. (AR)

Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OH)

I received 3 overdraft fees on XX/XX/19 from Chase Bank for {$34.00} each. I was told by the bank that XXXX XXXX EST is the cut-off time for credits/debits/transfers to my account. Ive also enrolled in text message alerts to inform me immediately if my account balance is overdrawn or below {$25.00}. 
On XX/XX/19 I checked my account right before XXXX XXXX EST to ensure the account was positive and in good standing. I keep money in other accounts and transfer to this account if necessary to avoid fees. No changes were necessary and I did not receive any alerts. I went to bed. 
The next morning I awoke to 3 fees for insufficient balance. I called Customer Service who said theres no evidence of the alert system warning me of any balance issue, and that right at XXXX my balance was positive. However customer service refuses to reverse the fees. The debit that went through the account is posted-dated XX/XX/19 on my bank statement yet my fees were generated from XX/XX/19 for a purchase of $ 189+ that was not present, pending or otherwise in my account at XXXX XX/XX/19 - the cut-off time Chase Bank has communicated to me as the time when any additional transactions toward the next business day. So if after XXXX I can no longer alter my account for my benefit, Chase should also not be able to break their rule to take fees from me. I escalated my complaint to a supervisor and they too refused to reverse the fees. I asked for a manager and I was told they will call me but the manager has not and I feel ignored and robbed. 
I am requesting that Chase Bank be forced to follow their own rules regarding post/ pending cutoff times and also return my {$100.00} dollars they took from me.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + XXXX XXXX + Equifax, On the attached letter dated XX/XX/2022 from XXXX XXXX it clearly states they are requesting Equifax completely remove/withdraw the below tradeline from my Equifax credit report asap : XXXX  : XXXX ( Client XXXX XXXX  XXXX The letter states XXXX XXXX has been requesting Equifax to remove/withdraw this and I have also submitted with Equifax to remove/withdraw this XXXX and now I am requesting this again. 

Enclosed with this complaint are : - my drivers license - my address- my social security number proof - my dispute letter - XXXX XXXX  latest letter dated XX/XX/2022 - my XX/XX/2022 Equifax credit report where it still shows its on my report Equifax, please have this removed/withdrawn as XXXX XXXX has instructed you to do many times as this incorrect information is damaging my credit and interfering with my ability to obtain credit.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (UT)

Nationstar Mortgage # XXXX is reporting a foreclosure I no longer owe. This is past the statute in WA and I do not legally owe the debt anymore and this account should be removed off of my credit.
Consumer complaint received 2020-11-05
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Real Time Group, Inc. (UT)

On XX/XX/XXXX Real Time Resolutions contacted my spouse on her Cell phone trying to reach me regarding a foreclosed mortgage that was sold to them by XXXX  XXXX XXXX. This property was owned by me in XXXX prior to being married to my current spouse. I have never given them my spouses cell phone number, and I have never given them permission to contact me on her phone. Im unaware of how they got her number and feel it is predatory that they obtained it likely through credit bureaus or online tactics. Lastly, this account was foreclosed on in XXXX and sold at auction in spring of XXXX. As I understand the statute of limititations is exceeded in the state of Utah ( 6 years ). XXXX  XXXX XXXX reported the foreclosure to my credit report and it has since been removed from my credit. My understanding is that the 80 % portion of my mortgage was resolved at auction and the the 20 % was written off as a tax loss. So I believe this debt to be acquired by Real Time resolutions as a bundle from XXXX XXXX XXXX as closed/default accounts despite it being written off by XXXX  XXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC (FL)

I have a rental write off with XXXX XXXXXXXX XXXX - XXXX XXXX in XXXX FL. I have tried numerous times over the last 30 days to make contact to PAY THIS DEBT OFF. No one wants to help. No one can find this debt. No one calls back. I spoke to XXXX XXXX who first said the debt is with XXXX XXXX XXXX, they then said its with TransWorld who also said they can not find any information on my situation. The debt shows on my report when I apply for apartments or rental homes, but no one lets me pay for it no one knows where or what it is. I need this to be fixed ASAP either information to PAY IT OFF or a letter of Release.
Consumer complaint received 2019-09-11
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. (LA)

I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. 
Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! 

XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

My account was highjacked and I had XXXX stolen from my checking account. My cellphone along with my debit cards were taken and used in tandem to access my accounts and money was transferred from my checking account into my credit builder account were the money was then accessed.. I did not have a debit card for my checking at the time and the only way to access the money was to transfer it into my credit builder account. I have made a police report and submitted statements from friends and family. Chime claims no error was made. I've tried contacting the merchants as well with no success. Each told me to work with my bank to receive a refund...