davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (AZ)

So I received a call from XXXX they said I had a debt of XXXX dollars back in 2013. I was barely XXXX at the time so that isn't even possible, they claim it was with Wells Fargo I have never banked with them before. They stated that they have been trying to reach me via mail communications, I have never received anything about this. Originally I would pay no attention to this however they somehow pulled my credit report I have no idea how because the SSN they gave me wasn't even correct. They told me to call back at this number XXXX when I looked it up it was a company called the XXXX XXXX  based off of California. It looks fake because it has 1 review 5 stars and the website looks like they just threw it together last minute very poorly built with zero info about the company itself. They threatened to garnish my pay wages, repo my car and damage my credit. I believe this to be fake I just don't know how they pulled my credit.They claim that I owe a debt to Wells Fargo when I called Wells Fargo they said I have never banked with them before they could not find me in their system.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (NY)

BEING CHARGED LATE FEES AND POSSIBLE CREDIT REPORT PROBLEM DUE TO PROBLEMS IN MORTGAGE SERVICING BY INVESTORS BANK I have a mortgage with Investors Bank that I originated 2 years ago and have been paying on-time every month. I sent in my XX/XX/XXXX payment of {$2800.00} as I always do, via online billpay at my retail bank ( i.e. a check gets cut and mailed to the payee. ) Investors cashed the check on XX/XX/XXXX. Investors apparently had changed my escrow amount at year-end and didn't inform me. They called me on XX/XX/XXXX ( they waited until 3 weeks after cashing my check ; and after the XX/XX/XXXX due date for late fees ) to call me and said that I didn't make my XXXX payment because I was {$58.00} short ( they cashed the check and are holding my {$2800.00} in " unapplied funds ''. The amount of the escrow increase that they didn't let me know about. ) I immediately made a payment for that {$58.00} amount on Friday XX/XX/XXXX on my online billpay while on the phone with the Investors rep and updated my recurring payment amount. They said they would " re-send '' my escrow statement. 
On Monday XX/XX/XXXX, I receive a written statement stating that I owe late fees of {$87.00}. When I called the customer service number at XXXX, they said that the online billpay ( i.e. a written check gets sent to them via US mail ) I sent on Friday would likely not arrive before month-end, and they will report this " nonpayment of mortgage '' onto my credit report. 
Now on Monday afternoon XX/XX/XXXX, I'm trying to find a branch of Investors Bank to run to pay {$58.00} to ensure they get the amount before month-end so that they don't hit my credit report. 

QUESTIONS 1 ) Why did they cash my check, then wait 3 WEEKS to call to let me know it was short, after the mortgage due date, to let me know that I owe {$58.00}?

2 ) Why are they charging {$87.00} for the {$58.00} amount owed ( please note that principal, interest and most of escrow were already received ; this is a shortage in the escrow amount ) 3 ) Why have they cash my check for {$2800.00} and are holding it as " unapplied funds '', rather than applying it to my principal and interest? Do I get anything back for them carrying this money interest-free while charging me {$87.00} to hold onto my money?

3 ) Why didn't they send me proper notice and an escrow statement to let me know that the monthly amount changed?

Escrow amounts change often for folks with mortgages if there is more money needed in the escrow account. The above leads me to believe that Investors is likely doing this to numerous other people who have automatic mortgage payments and escrow amounts change. 

CFPB, please help, this is not fair what they're doing.
Consumer complaint received 2021-01-08
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: U.S. BANCORP (MN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, US BANK, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX, XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiries. 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 2019-01-27
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: SYNCHRONY FINANCIAL (TN)

I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from XXXX  XXXX in XX/XX/2017 and the other is from syncs/ Walmart XXXX , Florida in XX/XX/2017.
Consumer complaint received 2022-10-12
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. (OH)

I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with XXXX XXXX and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.
Consumer complaint received 2021-01-08
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: CORELOGIC INC (NV)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, CREDCO add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018 I submitted a dispute in regards to a fraudulent account from Wells Fargo Bank I found on my credit report. When I identified the error, I went to my local police department filled a police report and was instructed to also file a report on Identity theft.gov. I filled the report on Identity theft.gov website and sent copies of those documents to experian. I opened a dispute on XX/XX/XXXX as well and within 45 days all fraudulent accounts were deleted. To my surprise on XX/XX/XXXX of this year my dispute results were updated online without written notice and the fraudulent Wells Fargo account was now displayed on my experian report. Not included in other two major reports who were also notified of the fraudulent account. I can no longer dispute this item on line and have zero help from customer service. I was under the belief that the creditor and reporting agency had 30 days to determine the validity and respond to the dispute not 6 months. I would like this negative item removed from my account.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (TX)

I enrolled in Freedom Debt Relief in XX/XX/2021. During my time in their program, they negotiated settlements with several creditors. However, for the first three debts they settled, they never discussed their fees for the settlement. I only found out after reviewing my account that I had been charged undisclosed and substantial fees on top of their monthly service charges. 

Once I found out how high the fees were, I would have to ask how much I was going to be charged after each settlement attempt. They never once disclosed their fees in a settlement offer, I had to ask each time. 

I believe these practices are highly deceptive and designed to make you to believe you are saving much more money than you actually are.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

Collection debt on my credit reports from MRS Associates on behalf of XXXX XXXX for {$730.00} as of XX/XX/22 ( date opened XX/XX/22 ). I have never had account ( s ) with XXXX XXXX or XXXX. I filed dispute with XXXX and XXXX as well as contacting XXXX XXXX XXXX on XX/XX/22 and filed fraud complaint/report they say the will look into ( I have not heard back as of yet ). I wanted to file this with CFPB to cover all of my basis everywhere I can as this debt is NOT mine. I have tried so hard to clear up my credit report and this is very concerning to me of this fraud incorrect report.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet - utilizing Coinbase 's services.
Consumer complaint received 2022-10-12
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: AFNI INC. (DE)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2019-01-26
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: JPMORGAN CHASE & CO. (TN)

My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is Chase bank. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the chase bank reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
Chase bank does not care about its customers and is rated very poorly.
Consumer complaint received 2022-10-12
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: Nelnet, Inc. (DE)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I C System, Inc is trying to collect a debt for XXXX. I have never had a XXXX  account. It was proven and removed from from my credit report in XXXX of 2020 and now its back on there. I explained to the rep what happened and he still tried to convince me to pay it. I had to hang up on him because he became rude.
Consumer complaint received 2019-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I had someone working with me to help pay off the outstanding mortgage and company will not respond at all. We have submitted documents to get a reduced mortgage. My mortgage was sold to Faye servicing from XXXX XXXX XXXX and it seems as if they are delaying the process. I think Faye Servicing is being very elusive. 


All of this happened during the month of XXXX and XXXX.
Consumer complaint received 2021-01-08
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-08
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


REMOVE FRAUD ACCOUNT ASAP. THIS IS UNACCEPTABLE!
Consumer complaint received 2022-10-12
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: CITIBANK, N.A. (GA)

In accordance with the Fair Credit Reporting Act, this creditor ( CBNA or CitiBank North America ) has violated my rights. Under 15USC1681 Section 602 states that I have the right to privacy. 15USC1681 Section 604-A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (VA)

Enhanced Recovery Company added a collection to my credit report. I did not receive a notice of debt. The company ( XXXX XXXX XXXX ) for the original debt is a company that I have not had any business with in over 10 years and I do not owe them. The company is using shady practices by placing the collection on my account without notice to drop my credit score in an attempt to receive payment for a 10 year old debt not owed.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (SC)

4 months ago, PayPal froze my account totaling roughly {$46000.00}. They cited potentially suspicious and illegal activity, but gave no specifics. I'm a XXXX military member supporting my XXXX grandmother back home and was using PayPal to cover many of her expenses. I've emailed and called them relentlessly, but have been shut down at every turn. It's the typical terrible customer service. They say they'll send instructions on how I can receive my funds in another 2 months. In the meantime, I can not transfer or withdraw my money. I'm glad to see them getting lit up for this insanity. Surely there are others like me.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (AZ)

SELF LENDER INC CLOSED MY ACCOUNT FOR NO VALID LAWFUL REASON WITHOUT ANY NOTICE OR MY CONSENT - WHILE HOLDING ON TO MY DEPOSIT AFTER 1 YEAR OF USE - THEY HAVE BEEN NON RESPONSIVE TO MY EMAILS.
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (WA)

I am a struggling XX/XX/XXXXlike so many are. 

I have been using my own personal credit cards to inject money to my business. 

I have since been told that's not ok. 

Fine but see the attached email to see what they asked for all things that if nothing else I would not give them anyway. They are asking for a customers personal information and my banking statements? Is that even legal? 

But here is the real problem they have held every deposit I should have received and I can't communicate with the risk department directly I have email them 5 times no response When I call the company they transfer you to a dead line to leave a voicemail I apparently have done something wrong ok I get it but they should release the money I have earned They cancelled the XXXX dollar charge but they have not given me any deposits this week. But they are withdrawing money every day for fees Please please please please help me.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (FL)

Home Depot wrote off my debt of {$3600.00} more than 8 years ago, this company XXXX XXXX XXXX bought the debt for pennies on the dollar, they have been calling me numerous times, sometimes before XXXX. They want to collect this debt. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not good for me.
Consumer complaint received 2022-10-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHS, Inc. (VA)

I have made a payment on my medical bill to the debt collector, on XX/XX/2022. I had received a letter on Friday, XX/XX/XXXX, stating that I did not pay my bill for XXXX, and that they have done all they could do to collect. I have attached my bank statement, showing the date when my payment went out, as well as the letter showing they have exhausted every effort, and option to collect payment.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

My company had leased vehicles from Ally Auto in XXXX and we agreed to returned them in XXXX. As Ally sold the vehicles, they paid us for the surplus of the vehicle value or I had to pay them for the difference due. However, even though we often check their website to see whether the vans or sold or not, they do not update the information. I have to wait until I receive a letter from them. For the second time, they sent us a letter in the mail for the amount due and at the same time they reported me to the credit bureau agencies as being delinquent. On Friday, XX/XX/XXXX, I received a letter on the mail dated XX/XX/XXXX. On Monday, XX/XX/XXXX I made the payment only to find out hours later that they had already reported this payment as delinquent. Ally system is automatically reporting the delinquency. This is affecting my life as we are going through the process of signing the closing of the loan for our house in XXXX XXXX and the financial institutions are not allowing us to sign because our credit has been hit. Everyone knows this is a mistake. Ally 's employees, XXXX and XXXX were doing a great job in helping to this resolved.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

This XXXX card that later got rebranded to XXXX was advertised with a cash back from purchases that never happened since inception in 2017. This card is issued by Synchrony Bank and they claim XXXX is responsible for the cash back. They being XXXX wont answer emails or the phone and the bank cant help. This was an advertising scam.