davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

XXXX, from Wells Fargo Bank, called me at XXXX XXXX today to talk to me about my complaint number XXXX to the Consumer Financial Protection Bureau. She told me Wells Fargo Bank does not know how or why I received the letter dated XX/XX/2018 that stated my mortgage had been transferred to XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/2018. 

She told me my mortgage would be transferred on XX/XX/2018 and any payment made after that would need to be made to XXXX XXXX XXXX XXXX. 

I attempted to tell her Wells Fargo Bank is trying to undo what's been done and to keep my mortgage transfer with payments confused ; that I needed to receive this in writing. I tried to tell her I should have been notified 15 days prior to the mortgage transfer. However, she kept talking over me and would not listen to what I was saying. Finally I told her " call me back when you are ready to listen to me '' and hung up on her.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX and Transunion are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (CA)

A card was opened in my name without my consent or authorization. It is a PayPal branded debit/ MasterCard .

I received the card in the mail. I called the credit card company to close the account and report the fraud. The credit card company refused to close the account.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

We attempted to purchase an oven from Home Depot. They failed to deliver it on time and we ultimately cancelled it. They subsequently charged us for it. We called them and they were supposed to credit the account but instead sent it to collection and eventually to the credit reporting agencies.

We got them to admit their mistake and remove it from our general credit report but when we went to apply for a mortgage for our new house, we found our credit score was low because this was on the 'mortgage credit report ' which is different from general.

We called Home Depot again to have them correct the issue. They 'investigated ' and then came back with a letter stating they wouldn't change anything and that they were correct. 
How can our credit be tarnished for something we NEVER RECEIVED???? 

Between the time it took to try to resolve this and the increasing mortgage rates and our now lower than expected score, our mortgage will cost us roughly an extra {$500.00} / month which is {$180000.00} over the life of the mortgage!!! this is unlawful and unfair. We are paying for our children to go to college. We can't afford this. It's deplorable.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

Mailed the companies Wells Fargo and XXXX XXXX. To get the info on my credit report corrected and they just mailed me back saying that the information is correct and the info is still showing inaccuracy 's throughout my reports.

Well Fargo didnt validate the debt they just sent a application which doesnt apply to 15 U.S. Code 1692g.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/21, my wallet was stolen from me and the person went to XXXX and attempted to use all my credit cards to purchase {$200.00} worth of stuff. The only card the person was able to use was my Barclays credit card. I contacted Barclays about this and they dismissed my case as valid purchase when it was clearly fraud as I have location receipts/emails from where I was that day and from my other credit companies notifying me that it might be a fraudulent transaction. 
I have consistently called them as they put the {$200.00} charge back on my account and additionally put another {$200.00} charge with the same transaction number. Each time I have talked to a representative, they each give me a different answer and told me it will take 2 months to resolve and that I must pay the minimum payment or else it will further ruin my credit score. I am currently facing financial hardships and this is furthering the financial strain for me as it is even damaging my credit score. It has been over 4 months now and they have not sent me an email or letter in the mail.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERIS BANCORP (TX)

was trying to purchase a new home when I checked my credit and noticed Ameris Bank had reported on my XXXX that a payed my car off completely! This resulted in a 35 point decrease in which after over a month now still hasn't been fixed or updated. I have reached out 2 times on the matter and they have said itll fix itself when they do the next reporting ... ... .. meanwhile my credit is shot and I cant get leading from a bank for a house ... ...
Consumer complaint received 2020-08-15
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. (CA)

I have tried to remove a fraudulent address on my report but Equifax refuses to take it off of report. I have documented proof and have had 2 phone calls where they stated they would delete however it never comes off. I have proof attached. On the attached file it clearly states deleted but its still on there. How is this even legal? Under the FCRA it needs to be deleted.
Consumer complaint received 2020-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MO)

Hi, I opened an account online and made a deposit of {$50000.00} my intention was to wire transfer to myself that money. I was doing it through Chase bank because my current bank ( XXXX XXXX  ) doesnt have international wire transfers. After the funds were successfully transferred I made a wire transfer of {$25000.00}. The transfer was cancelled and my online account was blocked so I called to validate my info and unblock my account. After the account was accessible again I called again to ask if was all ok so could make the wire transfer, the agent told me I could so I did but the transfer was cancelled again and my online access blocked again. I called again but this time I had problems and the agent told me I had to go to a branch and I had to explain I was not in USA and because of COVID-19 I couldnt travel from XXXX to US. I opened a previous complaint and the company responded saying I had to call and authenticate my self so the funds could be released to me. I called customer service and they asked me my phone number so they could send a text to verify, I gave my registered number but they said it was not correct. I told them that was my number and I had an email with the confirmation of that number being activated, I even told the agent I can send a text to XXXX and get information about the account and the agent told me she cant see that and doesnt believe I had access to the account using my number so they said again I have no option but to go to a branch. So even though I gave my SSN, full name, address and date of birth they said they couldnt validate was me because of the phone number. I called a couple of more times and they didnt care about the travel restrictions and all told me I had to wait whatever time to go to a branch. Now the travel restrictions are extended until the end of XXXX and the bank is refusing to return my money. Why the bank didnt block the account when I made the deposit? Why they blocked my account after I made valid transactions allowed by the system? And why after validate my identity several times and requested verification codes several times they still refuse to give my money back? The bank has been unable to explain what was the security risk, the response was that they can block the account unilaterally just because they can. Im attaching the email as proof that my number was activated
Consumer complaint received 2020-08-15
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: Navient Solutions, LLC. (DC)

I have a loan with DPT ED/XXXX, XXXX/NAVIENT, XXXX and US DEPT ED. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DPT ED/XXXXXXXX, XXXX/NAVIENT, XXXX and US DEPT ED with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-08-15
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: DISCOVER BANK (NY)

I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.
Consumer complaint received 2021-07-13
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. (FL)

These are fraudulent inquires on my credit report please remove them.XXXX XXXX XXXX XXXX XXXX, XXXX - Auto Finance, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NC)

I noticed an account with the name Capio Partners under my collection accounts. It mentions that I have {$720.00} to pay off. The report was placed on XX/XX/XXXX. My credit score dropped drastically by 89 points after this change. The account is associated with XXXX XXXX XXXX. I called the company. They mentioned that it's associated with XXXX XXXX XXXX and they were not being specific, eventually asking me if I wanted to pay it off now or set up payments. After that day I kept receiving repetitive calls. They mentioned payments that go back to XX/XX/XXXX. I don't recognize this account or name at all. I am sure I have nothing due. All my physicals, medication, and visits have been covered by XXXX. I have attached proof of my XXXX XXXX. I was never aware of this. I never received bills that were due. My hospital verified that my account had nothing due. I'm at the age of XXXX and I have been paying all my bills on time, car insurance, and my XXXX XXXX Credit card. I have not missed any payments. I have been paying my monthly bills in full statements. My score was at XXXX and it dropped to XXXX. With further proof, it states in the XXXX website " This business currently has nearly 696 complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 387 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests. ''
Consumer complaint received 2020-08-15
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. (MI)

I have a loan with XXXX XXXX, DEPTEDNELNET, and NELNET XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEPTEDNELNET, and NELNET XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (AZ)

I deposited a payroll check through my online banking app, The picture ended up being warped so they restricted my bank account until they could verify my check, They werent able to verify my check so they could release the funds. Ive tried over and over to get my check verified even working with my employer But they said theres nothing they can do so they took my money and said The check could bounce in about 3 months or not. My employer couldnt issue me a new check due to the bank already depositing it into my restricted account.
Consumer complaint received 2021-07-13
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 (NY)

I have these accounts that are not mine and i want them to be remove from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WELLS FARGO DEALER XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-08-03
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: CORELOGIC INC (FL)

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. 
By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. 
Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MI)

Citibank, 2018. I had major identity theft occur and the thief/thieves charged over {$7000.00} in charges on an Att Universal credit card. I continued to make payments on the card and also filed a police report. {$3900.00} was still owed on the charge card when I stopped paying on it. Citibank did not recognize the theft and has ruined my outstanding credit. My credit score was in the high 700 's and now is only in the low 600 's. I would like my credit restored because the woman from Citibank just got tired of investigating the hundreds of charges that were made. If she would have just taken a look at my spending history she would have been able to see the fraudulent charges were not made by me. I didn't notice the card was gone for a couple of months because I had been hospitalized for a XXXX XXXX  and didn't need my card for a few months because I was recovering. Please look at my credit history and see that I am and have been a responsible customer. They never even refunded me for the thousands of fraudulent charges that I paid for on that card. SINCERELY, XXXX XXXX alias XXXX XXXX
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Our home was flooded by Hurricane Florence and our Flood insurance company sent us a check in our names and the mortgage company Nationstar Mortgage d/b/a as Mr Cooper.

I registered my disaster claim with Mr Cooper on XX/XX/XXXX and received a Tracking number and information. 

I have been asking questions for more accountability and transparency of them for how my claim check is going to be handled, such as : XX/XX/XXXX Why is my claim monitored diffently then my flood Matthew disaster? I was told Fema guidelines and because of the amount of my check. Is my money going to be placed in a interest bearing acct.. I was told no. Later I am told yes. Every time I call the special disaster relief number I speak with a different person and receive conflicting information from before or new information that gives me a little bit of the BIG picture of how and where is my money being held. No accountability to me how they are governing my check and Not fully being transparent to me what I have to do to have some of my money sent to me for needed repairs as well as reimbursement of our out of pocket expenses. 

I have been asking basically the same questions over and over again and have requested this information be put in writing to me. As of this time and date I still have not received this information. 
I have been told it is on the website. Just need to register and I can read it there. NO it is not on : XXXX So I call back again, I am told I can find the information on MrCooper.com. NO its not there either.

I can go on and on how I get the run around from Mr Cooper servicing department.

# 1 When I send this claim check in I want to know who and where my money is being held. This money is not a payment and not escrow money.

# 2 How is the money held? Trust acct? Escrow Names on acct etc?

# 3 insured?

# 4 Can we do self contracting? What are guide lines? And Hire Contractors too!

I have been asking these questions and have asked it be put in writing and as of this date have not been given or received requested information.

This is our home. We have had an Excellent mortgage history on this loan before Mr Cooper took over and since he took over. We repaired our home after the XXXX Hurricane Matthew flood. We have continued to improve our home and will do the same to repair and improve our home after this Hurricane Florence disaster.

I feel we and any consumer deserve more respect than what I have received from Mr Cooper and full transparency and accountability for this insurance money they want to hold. Today is XX/XX/XXXX.. They have had long enough time to honor my request so we can move forward to repairing our home. They have left me in limbo long enough. I request your assistance.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I'm writing this letter in a 3rd attempt to inform you my identification has been fraudulently compromise. throughout the years. There have been many accounts opened under my name, that Ive confirmed and reported as identity theft. Please remove this fraudulently account immediately ; that has been fraudulently compromised : Bankruptcy : Dismissed CH-XXXX XX/XX/2013 - XXXX US DIST CT
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (WI)

Hi my name is XXXX XXXX and this is my first time filing a complaint using CFPB. Since XXXX I have been working on improving on being more financially responsible : Budgeting, paying bills on time, and self educating myself. I check my reports frequently through XXXX XXXX   and it bothers me to see the following Medical collections below listed on my account. This could have been a simple misunderstanding of me having insurance or not as Im not a big fan of the hospital, sof I have been on ssdi for 2 years and recently started a new job working a job 30-40 hrs a week. My goal is to clear out any errors regarding my credit, build it too a XXXX by XX/XX/XXXX and XXXX by XX/XX/XXXX. So far I have paid a debt to XXXX in full of {$2400.00}, pay rent on time, and created a in-progress budget plan. I will work to get to where I need to be slowly and surly. Im in the process of rebuilding my credit score and these remarks are hurting my credit. Any advice /help to remove these remarks would be great. Thanks for your time and I look forward from hearing from you. 

Revsolve {$470.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX. 
{$1300.00} XX/XX/XXXX XXXX