davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AL)

In 2005 I refinanced my house. At the time of refinancing Wells Fargo had my mortgage. Now that rates are so much lower than they were in 2005, I am refinancing again IN HOPES of getting a better rate. When the attorney was doing the title work they discovered that Wells Fargo DID NOT release my mortgage to the company I refinanced to when I left them in 2005. I have called the numbers listed on their website numerous times but because I don't have an account number with them, they can't help me. I offered them my SS #, birthday, etc. but was told that they can't " search for it that way. '' CLEARLY, I don't have an account number nor a loan number because I left them in 2005. Last Thursday, another worker gave me a fax number and instructed me to send a written correspondence to see if that department would check their archived records ( evidently info from 2005 isn't in their computer database ). I called Wells Fargo back today ( one week  later ) and they have no record of any correspondence made by me. I have a fax receipt that my fax was indeed sent last week. 

I need help resolving this because if too many more days pass, my " better interest rate '' will go up and I will have to pay fees. Please help me!
Consumer complaint received 2020-07-09
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. (TX)

Company or Organization : XXXX XXXX XXXX Account NumberXXXXXXXX Total fraudulent amount : {$640.00} Credit Card Opened by the Thief Company or Organization : XXXX   Account Number:XXXXXXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX  Account Number:XXXXXXXX Total fraudulent amount : {$1500.00} ftc
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I spoke to a rep of Wells Fargo whom was questioning me about my request for a settlement. Basically, he repeated the same things they have been saying Wells Fargo lost money too. I have been going on with this issue for years and have been complaining to the bureau for 3 long years. I thought at a certain point I lost my property. Many would have quit paying the mortgage. Not me, always loyal to them. I gave them their dues, but what about mine? As a customer, I have rights as well. They should make me feel important. Without customers, they don't have a business.

They told the bureau they need more time. I have heard that millions of times from them. Soon, I will take a picture of all the letters to postpone resolution of the case. I can not keep up with the mess. Most of them are thrown away. It is a lie. Who is going to help me against Wells Fargo? Someone needs to make them accountable for their mistakes towards me. It is wrong what they did to me, and they will not do anything until an established institution intervenes. That is why I keep on making complaints. Please, help!
Consumer complaint received 2020-07-09
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. (PA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I orderd a replacment debit card from Wells Fargo and received a confirmation from Wells Fargo that it was ordered. I escalated to XXXX at the Executive Desk and she is refusing to send a Debit Card. Please send Debit Card and PIN. 

Subject : A replacement card was requested From : Card Services XX/XX/2020 XXXX XXXX Contact Us A replacement for your card was requested A request was submitted online to replace your DEBIT CARD. 
Card number XXXX Requestor name XXXX XXXX Reason LOST Shipped To Address on File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You will receive an alert after your card is shipped. 
If you have questions or believe this request was in error, please call us at XXXX ( XXXX ). We are available 24 hours a day, 7 days a week or contact us by secure email. 

XXXX
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MD)

In late XXXX or early XXXX, I made a flight booking through Citi Thank You travel for a XX/XX/XXXX flight for my husband and I from XXXX to XXXX for a total of {$2300.00}. Due to the pandemic, that flight was cancelled, and in fact, all flights from the XXXX to XXXX during XX/XX/XXXX were banned. As a result, I was left with XXXX XXXX XXXX for {$2300.00}. 

I called Citi Thank You on XX/XX/XXXX to use part of my travel credit towards a new {$120.00} flight. I was told by a Citi Thank You representative that if I booked this new flight, then I would forfeit the rest of the $ XXXX of the travel credit, which apparently is standard protocol and information that is in the fine print that Citi Thank You gave to me when my flight was cancelled and I agreed to take on the travel credit ( keeping in mind that there was no other option but to take the travel credit, or just forfeit the entirety of the value of the tickets -- which is really no option at all. ) I have similar travel credit with XXXX resulting from a covid-flight cancellation ( in which the airline cancelled the flight, I did not personally cancel my ticket out of whim ) -- and they, reasonably, allow people to apply any portion of their travel credit to future flights until an individual has used up their travel credit. 

This is an absurd situation, especially because XXXX itself allows consumers to apply travel credit to multiple trips ( from XXXX 's website, XXXX XXXX XXXX XXXX  " If the face amount of a travel certificate exceeds the cost of the ticket for which it is surrendered, any residual amount will be applied to the same PIN for use toward another ticket until either the original issued amount is depleted, or the expiration date has been reached, whichever comes first. " ). Citi ought to be ashamed of its actions and the roundabout channels that it's forcing consumers to take in order to use their travel credit from a very unexpected and horrible pandemic. It is exploiting its consumers by, I anticipate, taking the remainder of the travel credit for itself and/or forcing consumers to purchase tickets that exceed the value of the original travel booking so consumers can actually use the entirety of their travel credit in order for Citi travel to earn an extra dime as a " travel agency ''. 

I stated my complaint on the call with the representative and asked for the situation to be escalated. She stated that there was no one she would be able to transfer my compliant to, nor was she able to give me an email address or phone number in which to file a complaint with Citi. She said she could take a call back number from me so someone could call within 5-7 business days to take my complaint. This is unacceptable that there are not even vocal or electronic complaint channels that are immediately available. If they are trying to hide behind procedural and dragging on the time and difficulty of reporting something so asinine, that is even worse.
Consumer complaint received 2019-03-08
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)

My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. These event has prevented me from getting finance as well as a better jobt to better my life.
Consumer complaint received 2020-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I make bi - weekly payments. I have been paid 1 month ahead since XXXX of XXXX. They are now trying to debt collect me showing I am late in XXXX when I in fact a already paying towards my XX/XX/XXXX payment. The last statement they had correct was in XXXX. They are constantly XXXX XXXX  my account. WHY WILL NOBODY DO ANYTHING ABOUT THIS FRAUD?????????????
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

happened : I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abide by these laws.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NJ)

In XXXX of 2020 I was going not be able to pay my XXXX mortgage payment. I reached out the company proactively to try to get some help and get back on track. So let me be clear, at that time I was not 30 days or more late on my mortgage. 

The quicken loans representative came up with a loan modification plan. This plan included 4 payments in XXXX, XXXX, XXXX, and XXXX. I have made all of those payments except the XX/XX/XXXX payment as that date has not occurred yet. I am not allowed to pay in advance. The payment must be auto-deducted from my bank account on the prearranged date. 

My issue is that even though I was never 30 days late, and I have made all the agreed upon payments, today I received notice that Quicken loans has been reporting me as 90 days past due to the credit agencies. Again at no time have been that late on my mortgage. Meanwhile Quicken Loans, also know as Rocket Mortgage have been taking my money on a plan I can not deviate from. 

How is it legal that I can both pay them on time and they can still report me late? That's my issue.
Consumer complaint received 2021-09-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act. and as well as 15 US C 1681a ( 2 ) ( B ). I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I have a Citi card account I had on autopay with my XXXX XXXX XXXX I had to close my checking account due to fraud. Citi did not notify me of autopay being disabled. Right after being disabled late payment was reported on XX/XX/2020. I contacted Citi and spoke with a manager regarding the inaccuracy on XX/XX/2020 and paid my entire balance of XXXXInaccurate information was not removed credit bureaus. I set up direct deposit to prevent it from happening again.
Consumer complaint received 2019-03-09
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: CORELOGIC INC (TX)

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
Consumer complaint received 2022-01-06
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: Paypal Holdings, Inc (CT)

i am a seller sell products online. Paypal Robbed me for no reason, i sold some legit electronics on PayPal, after few days when i tried to withdraw my money ( {$15000.00} ) they suspended my account, i called them and asked the reason to suspend but they never gave me any reason but told me u will get your money within 180 days if no dispute is made, during that time no claim was made, around XXXX day, XX/XX/2022 they just took money from my account without any notice or anything. in transaction details it says " {$15000.00} USD ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; ''. 

i called them they again never told me what what policy violation i made or anything. 
i didn't violate any policy or i don't owe any money to paypal i dont know why they took my money. i do need your help please i have 2 small kids and i lost my job and have to pay my credit card debt. please help. 
i attached the paypal transaction page which they took all my money. transaction ID and detail is included.
Consumer complaint received 2019-03-08
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. (TX)

I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and XXXX, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.
Consumer complaint received 2018-10-01
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: EOS Holdings, Inc. (AZ)

XXXX XXXX, sent an amount of {$220.00} to EOS CCA XXXX. XXXX  XXXX XXXX Ma. XXXX, They are a collection agency. this amount they say I owe was a company acct. for my company cell phone. I quit working for this company in 2013, but XXXX turned this amount over to the collection company in my name instead of contacting the company that the cell phone acct was linked to. I have been trying for over 5 years now to get this off my credit report, I have the company name address and a contact person, I gave to EOS CCA, But they never contacted anyone other than me.
Consumer complaint received 2020-07-09
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: WELLS FARGO & COMPANY (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Account Name XXXX XXXX Account Number XXXX {$810.00} past due as of Account Name XXXX XXXX  XXXX Account Number XXXX Account Type Credit card {$7000.00} written off. 

XXXX XXXX XXXX Account Number XXXX {$11000.00} written off. 

Account Name WF CRD SVC Account Number XXXX {$2000.00}
Consumer complaint received 2020-12-01
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: LEXISNEXIS (AZ)

Lexisnexis shows a judgement on my report for a XXXX XXXX XXXX, my name is XXXX XXXX XXXX. We live in the same city. Ihave filed 2 disputes with lexisnexis since XXXX. 
The second time I sent a certified copy of the judgement and the police report showing all of XXXX XXXX information as well as a copy of my driver 's license. None of the information matches. 
Lexisnexis says, for the second time, that they verified with the court and all information is correct so they refuse to remove it. I spoke with the court and they said no such inquiry was made and they have no information related to me in their files.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MI)

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX.My account was close in XXXX XXXX.I received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (MO)

Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are XXXX calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act
Consumer complaint received 2018-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I use bill pay on a regular basis to pay rent, this month payment hasn't been delivered with over 10 days, they debited account for this whole period as a result apartment is charging me additional late fee and gave me an eviction notice. Chase is stating that it's out of their control and it's not their responsibility.
Consumer complaint received 2021-09-01
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. (IL)

I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.