davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$8000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-07-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (MD)

Under Maryland law a debt collector has no legal right to collect a debt that is more than 3 years old. this auto debt was charged off by the lender in 2018. I was successful in getting it removed from my credit report only for a debt collector to report it to the credit bureaus after over 3 years and has succeeded in damaging my credit
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2021 I applied for credit from XXXX. They denied my request based on a report from Experian. 

The report said : 1. SERIOUS DELIQUENCY 2. % OF BALANCE TO HIGH CREDIT ON BANKING RELVOLVING OR ALL REVOLVING ACCT 3. TIME SINCE DELIQUENCY TOO RECENT OR UNKNOWN 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. 
1 is false, 2 is partially true, 3 is false, and 4 is false. All my accounts are paid as agreed with zero lates.
Consumer complaint received 2019-12-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (WI)

My home was purchased as a VA home loan in XXXX, XXXX. At that time the company handling my loan was in the process of being purchased by another company - Cardinal Financial. 

In XXXX, XXXX I applied through my loan agent for an Interest Rate Reduction Refinance Loan. I was advised that we could not process the IRRRL loan due to the fact that Cardinal Financial had NEVER filed for the loan guarantee portion of the VA home loan through the VA. So since early XX/XX/XXXX I have been waiting on Cardinal Financial to get with the VA Home Loan processing center and get the loan guaranteed. I have not made the payment for XXXX of XXXX since I was approved for the refinance loan. Cardinal just told me today ( XXXX, XXXX, XXXX ) that they had to send my guarantee request to the VA for a Manual Guarantee. The VA said this could take up to 60 days to finalize.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (RI)

RoundPoint Mortgaging has continually mismanaged my escrow funds. 

After three months of calling them, they have still yet to pay my insurance premium on my condo. It was due XX/XX/2019 and as of XX/XX/2019 it is still unpaid ( the last day my insurance company has extended my payment window to ). 

Additionally, I sent, resent, and called to confirm that the received my property tax information. They missed the first tax payment date ( XX/XX/2019 ) and paid it finally XX/XX/2019. As of XX/XX/2019, they have still not made the second quarterly payment which was due XX/XX/2019. 

They are also maintaining that I will be charged a higher interest rate if I opt out of their escrow services.
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (IL)

On XX/XX/2021 Harris LTSD added a derogatory mark on my credit report XXXX XXXX XXXX XXXX XXXX per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Harris LTD has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently contacted your company about the addresses thats reporting on my credit report. The only address that I ever lived at is XXXX XXXX XXXX and all others should be removed. I keep getting letters from your company stating that I need to prove my address for them to know its me. How is this possible when I have the letters. SEE ATTACHMENTS
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Over the years that I have been banking with Wells Fargo, I have complained multiple times about the delayed communications with their customers. In the past, when they acknowledged and validated that their communication system caused the issue, they would reverse the fees. However, management has removed that option from the escalation team and left them with the only option available : to file a complaint. 

When I receive notifications that my account is negative, I immediately make a deposit to cover the funds. Even though the deposit is made on time, the bank continues to charge me an NSF fee. I have made multiple calls complaining about this issue, and all they could do was file a complaint. Instead of finding solutions, Wells Fargo tightened its procedures, which complicated the process and discouraged customers from getting their money back. 

I am ready to leave Wells Fargo because of the unfriendly customer service. Instead of helping customers, the bank is finding ways to take money from their customers by charging fees that do not make sense. It is wrong!
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Harris & Harris, Ltd. (FL)

I am writing to formally dispute an inaccurate entry on my credit report regarding a collection account that has been resolved. The account in question is identified below : kindly ask that you take into consideration the challenges I faced during the pandemic and the impact it had on my ability to manage my finances. I am actively working to resolve these issues, and I request that my credit report be updated to reflect the accurate status of this account. 


Date opened XX/XX/year> Account number XXXX Balance {$XXXX} Account number XXXX Balance {$XXXX} XXXX Date opened XX/XX/year> Account number XXXX Balance {$XXXX} XXXX Date opened XX/XX/year> XXXX
Consumer complaint received 2020-06-09
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$290.00}
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I decided to not renew my gym membership for XXXX XXXX XXXX California ( XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ). I approached the front desk and said that I would like to cancel. I was then directed to the manager on duty I signed a key pad and was given a receipt ( I no longer have position of this receipt I only have email transcripts of me attempting to resolve the issue but I was never responded to ) ; I have not visited a XXXX XXXX since XX/XX/XXXX. Fast forward to XX/XX/XXXX I discovered that I was still being charged that is when I opened fraud claim XXXX with Wells Fargo due to poor evidence from XXXX XXXX  I was awarded a total of {$270.00}. Unfortunately I was not covered for charges from XXXX to XX/XX/XXXX totaling {$94.00}. I also contacted XXXX and made several visits but was given the run around that the XXXX was not on duty. I have made several attempts via email with no response. On XX/XX/XXXX I opened another fraud case # XXXX for a total of {$130.00}. Wells Fargo at this time recommended for me to contact consumer XXXX  and file a complaint. Wells Fargo also then proceeded to close my account completely and reissue me a completely new account to stop the fraudulent charges. On XX/XX/XXXX I received a letter from a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ) for a total of {$190.00}. No matter what I do I keep getting the run around as I attempt to close my membership that expired XX/XX/XXXX. I am suffering emotional distress and my XXXX  credit Score has suffered a drop from XXXX to XXXX since XXXX XXXX Unethical and Fraudulent activity. As of XX/XX/XXXX my Bank and I are out approximately {$700.00}
Consumer complaint received 2022-09-20
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account Opened : XX/XX/20, 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (DC)

Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with XXXX, XXXX, and Equifax. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with XXXX, XXXX, and Equifax for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter.

I have also took the liberty of writing United States bankruptcy court here in Washington DC and they say they do not provide no information concerning individuals which I have attached Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (MD)

XXXX Loan Servicing and its companies- Loancare have been hacked. They have taken the entire website down, closed the call center, and have effectively went dark by not providing any information to its customers who they provide mortgage services too. To my knowledge the website and ability to access my loan has been approximately XXXXweeks ( XXXX to XXXX ). I am unable to schedule a XXXX payment or review any information about my loan. They have not made any effort to contact their clients.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AZ)

Started an application with loandepot.com on XX/XX/2019. I was preapproved and an appraisal was ordered on XX/XX/2019 and my credit card was charged {$490.00}. The appraisal was scheduled on XX/XX/2019 and completed on XX/XX/2019. The loan hadnt even hit underwriting when the appraisal was ordered. Around XX/XX/2019 loandepot began asking for additional sources of revenue which meant they were having a hard time approving the loan. My loan was denied on it about XX/XX/2019. 

Why was an appraisal done so early in the process before approval was ever given. The appraisal fee is not refundable, and I only am agreeing to pay for it thinking I am being approved. This appraisal offers me no value if the loan is denied. I am not able to use it when/if I apply or reapply for any other loan with this vendor or any other. Its basically taking {$500.00} out of my pocket. If this happens with every lender even working competing loans, that is a lot of money out of pocket. If the lender orders 10 appraisals and 4 thats a lot of money in their pocket as I know they do not pay that entire fee with the appraisers. 

When I spoke to my loan officer asking for a refund she said she would see what she could do. I spoke with her supervisor who said he would speak with my loan officer. I  was given a refund of {$28.00} on XX/XX/2019. I reached back out to my loan officer and received no response as to why I was not given a full refund. I feel as if this money has been stolen from me.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Booked flights on XXXX via XXXX. XXXX XX/XX/2020 flight XXXX, XXXX ; XXXX XX/XX/2020 XXXX, XXXX. Received email from XXXX cancelling flights dated XX/XX/2020. They offered a voucher. We declined a voucher and requested a refund. We have not heard back from them. They have disconnected all their customer service lines. Also the airline no longer services the United States. I disputed this charge with my credit card company Capital One. They originally reversed the transaction then later sent a letter stating the dispute is greater than 60 days and they can not reverse it and therefore will be reapplying the transaction amount to my account. The merchant failed to provide the agreed upon service ( flight ). There is no way to contact the merchant. There is also no way to use the " vouchers '' they provided even though we requested a refund.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. I then sent another letter around XXXX and have yet to get a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX ran my credit report on the XXXX of XX/XX/2022 without my signature or consent. I was alerted through XXXX and Transunion that they did a hard pull on my credit. I did not authorize or consent to this credit pull.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NC)

I applied for a Wells Fargo credit card on line for a balance transfer from my XXXX account. When I applied on line the response I received stated my application was under review and someone would contact me shortly. I never heard back and contacted Wells Fargo at XXXX to find out the status of my application as well as the terms and conditions of a potential credit card, on XX/XX/XXXX and again on XX/XX/XXXX. Another week went by and went I went to my online banking, a credit card account had been opened with a balance transfer of {$5000.00} and a fee of {$140.00} on XX/XX/XXXX! I called Wells extremely upset and advise I never authorized this credit card as I had called to obtain the terms and conditions of the card and they had violated regulation B as no notice of approval had been issued to me. They said someone from the complaint department would be in touch. Still hearing nothing I received an email on XX/XX/XXXX from XXXX XXXX at XXXX stating she was from the executive office and was working on my complaint and I would hear something by XX/XX/XXXX. Still hearing nothing by that date I had contacted her on XX/XX/XXXX and she indicated because Wells Fargo sent me a notice that I had been approved they would not refund the balance transfer fee. I urged her that I was dissatisfied and had never received a letter, and why hadnt they called me back, I would be paying off the card and closing it out in the next 3 weeks and I had moved residences and I had been a long time customer of Wells, as a courtesy I want the {$140.00} fee refunded. XXXX stated that because a letter was mailed, there was nothing further. I am appalled at the compliance violation and lack of professionalism with Wells Fargo thinking they can just issue credit without confirmation from the customer. Please try to recoup this balance transfer fee for me. Thank you.
Consumer complaint received 2019-12-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$4500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a credit limit of {$8100.00} -This is not my account.
Consumer complaint received 2022-10-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

I have a loan with rocket mortgage for two years. I lost many contracts during the pandemic and I was able to save to buy the house. First I want to talk about the process. How I end up paying XXXX out of my pocket just to get in that house. I was dealing with this realtor name XXXX who was working for this company. This was my first house. I didnt know I could of save money for first time buyer but instead they made me pay a total of XXXX to close and the whole process. 

Now two year later lost contracts and now I cant pay my mortgage and I been waiting for mortgage assistance from XXXX or Georgia mortgage assistance and its been 8 months and nothing yet and Im still in the verge to lose my house. 

XXXX XXXX XXXX XXXX XXXX Is the people who sold me the house.