davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX  XXXX XXXX
Consumer complaint received 2021-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (IL)

XX/XX/XXXX - initial loan disclosure sent by LoanDepot. 
XX/XX/XXXX - XXXX loan disclosure sent with increased origination fee, monthly payment, and closing costs sent by LoanDepot. 
XX/XX/XXXX - I personally reviewed all documentation and noticed that the appraisal was incorrect. The appraiser put down XXXX acres and not XXXX acres and compared our home to similar homes with less property thus undervaluing our house, which consequently made the origination fee increase and the monthly payment and the closing cost. I pointed out the mistake done by the appraiser and was told that I have to submit an appeal even though a correction needs to be made by the appraiser. 
XX/XX/XXXX - My fianc and I have been trying to get direction from LoanDepot on how to fill out the appraisal appeal form but have not gotten a reply. 
XX/XX/XXXX - I filled out the appraisal appeal form to the best of my ability and submitted it to LoanDepot. 
XXXX - I finally heard back from LoanDepot after calling and emailing almost daily since I submitted the appeal on XX/XX/XXXX and was told that information is missing. 
XXXX - I left work early to call the main line of LoanDepot and spoke with XXXX and to try to get some information on how to fill out the appraisal appeal but was transferred to XXXX who did not know and told me no one is available to help answer my question. 
The main issue is communication or lack thereof. 
The second issue is attention to detail. 
LoanDepot should have caught the mistake and asked the appraiser to redo their work instead of putting the onus of responsibility on the consumer without any direction. Plus we have already paid for the appraisal and now we have to do it ourselves after paying to have it done through LoanDepot and facilitated by Valuation Partners, specifically by XXXX XXXX XXXX - Appraiser. 
What needs to happen is we need someone at a higher level at LoanDepot to help rectify this issue since XXXX XXXX-Licensed Lending Officer, XXXX XXXX Account Manager II, and XXXX XXXX  XXXX Processing XXXX have helped. 
They should have Valuation Partners redo the work that we already paid LoanDepot to perform instead of making the customer do all the work. 
Failing that, they should at least communicate how we can accomplish the appraisal appeal since neither myself or my fianc are home appraisers and the document provided gives no direction but does tell us that we can't use XXXX, XXXX or other valuation websites. 
Basically, we can't use anything that average people know how to use but are not told what we should use. 
CFPB - please help since LoanDepot won't!
Consumer complaint received 2021-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (NJ)

RGS is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. RGS has not supplied any proof of contract showing the signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I discovered that this collection was on my credit report XX/XX/2021. This negative account in the amount of {$140.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP
Consumer complaint received 2024-12-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MN)

I changed banks and forgot to change the autopay to new bank. I attempted to stop the current autopay but the payment system kept drafting the payment from the old account for 7 days after cancellation. Then would say that no payment is owed even thought there were no funds to make the payment and despite the cancellation and addition of new bank account. Then today I received a call that my account was in collections and a late fee had been assessed despite the system showing {$0.00} balance for the past week and not allowing me to make a one time payment. I escalate with Citi and they tell me this is my problem and that I should have called my bank to cancel the payment and switched before I changed banks. There was no way for me to make this payment until they called me on a collections despite multiple efforts on my part to make this payment.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

In XX/XX/XXXX received notice our accounts checking & debt account would change to a different type of account, plus a fee would be added unless we were XXXX years old. We are in XXXX and have been customers for over 50 years. We just asked to switch to accounts that didnt charge us a {$15.00} fee each month like the ones we had. Company sent numerous letters but they keep saying g they looking into it. They called XXXX XXXX work phone that is company owed not a personal phone. He discussed it with him several times in XXXX he discussed it with them. Than on XX/XX/XXXX we get letter that they completed investigation /research on our concerns. But welcome to your new everyday check g account. With details about it and our account information. It also stated they updated checking options to better serve customers and dont offer our type anymore. They go on to say our case is closed as of date this letter XX/XX/XXXX. That they unable to reach us by phone. What was the seven calls and the one XXXX XXXX spoke to person to discuss concerns. He stated his dislike and even stated his position on the matter. They also sent a larger package before this letter of information on our new accounts and apparently were going change accounts anyway no matter our concerns. Now our online banking g account says restricted. Why would this be we have done nothing different no fees, no suspicious activity just normal deposits, auto payments and bill pay. We opened up a savings account this last week on XX/XX/XXXX at local branch for our granddaughter and nothing g said. We have made also two deposits to our accounts and. XXXX XXXX said. So they can restrict use from getting OUR money, pay BILLS or accounts we have thru them. So they do t want us to move our money, or pay on Wells Fargo accounts. How can they restrict our h Own money. When we have been long good customers. We want this issue resolved immediately as this is just needs investigated and resolved quickly as they are not listening to us and resolved our accounts changing with out giving us other options. Just made the choice for us. Never have heard of a bank restricting someone else money or access to it. We are living on those accounts and it is our money. Never had these issues until we didnt like our accounts changing to be charged fees. We did speak to someone and even explained it company phone not a personal phone. As well as we work long hours XXXX XXXX XXXX XXXX  with fill times jobs and two farms. So these posts week of opening an account at the bank could be addressed again since XXXX was at our local branch.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. ()

I purchased SEO/digital marketing services on XX/XX/2022 from XXXX ( XXXX XXXX XXXX/ ), following a conversation with the company 's sales representative, XXXX XXXX. I explained to him that I had hired another SEO/digital marketing service in the past, which did not deliver on what it promised, and he assured me that XXXX would be able to successfully rank my website within 90 days. I submitted {$900.00} USD payment via my Chase Bank debit card on XX/XX/2022. Subsequent to the initial XXXX period, the company sent me another invoice to pay another {$900.00} USD for an additional 90 days of SEO/digital marketing services. They then assured me ( see attached ) that SEO sometimes requires a longer period of time but that my website should be ranked within 180 days. Despite numerous messages to the company ( see attached ), expressing my dissatisfaction at the lack of traffic my website had received ( see attached ), the company then sent me a third invoice, requesting another {$900.00} USD and then changing the anticipated timeframe for ranking my website ( see attached ). 

I subsequently contacted Chase Bank, N.A. to file a formal dispute, explaining that the service paid for was not as described by the merchant. Chase Bank initially advised that it would be able to potentially recover {$900.00} of the {$1800.00} total I paid. I agreed to this at the time I filed the complaint but received notification XX/XX/2022 that neither charge would be refunded due to " being outside of the XXXX window '' established by Visa. I explained to Chase Bank XX/XX/2022 that I did not dispute the charges sooner due to having been lied to by the merchant and, specifically, having been given changing timeframes for when I should expect results from the merchant. I requested a contact person at VisaXXXX with whom I could speak, and the Chase Bank representative refused to provide me with information about with whom I would need to speak to resolve the matter. I initially offered to provide Chase Bank with copies of the attached email communications with the merchant, proving my allegations, but Chase Bank declined these at the time and stated they would request them during their investigation. However, the investigation, I was informed XX/XX/2022, was " completed '' by Chase Bank, and nobody at the organization requested any of the attached documentation.
Consumer complaint received 2021-06-22
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. (KY)

I have contacted Equifax numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for are all fraud. I have not received any merchandise or applied for XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information
Consumer complaint received 2021-10-06
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: U.S. BANCORP (CA)

XX/XX/2021 I closed the balance to my XXXX XXXX credit card on presumption the account would be closed XX/XX/2021 The still open account makes a purchase. I can neither give you the exact date or what the purchase was nor the amount of the purchase. Both XXXX XXXX and US Bank refuse to give me a statement because neither of them have access XX/XX/2021 XXXX XXXX sold the account to US Bank.

XX/XX/2021-Present day XX/XX/2021 US Bank charges late fees with no attempt to contact. 

XXXX XXXX I check my credit score to see that US Bank has reported late fees. I contact both XXXX XXXX and US Bank. They both say I can not dispute charges because they dont have the statements. They have to request a statement to be mailed to me. 

XXXX XXXX I received my first statement and bill. There is not information on the disputed purchases, just interest and late fees. 

XXXX XXXX I received my first voicemail contacting me to pay. I call and they tell me I need to put in another request for the disputed charges. All the while they keep charging late fees/interest and ruining my credit score
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

In XX/XX/XXXX, I had surgery at XXXX XXXX, My insurance paid all except {$5300.00}, which is now {$5300.00} because of a {$54.00} payment I made to the XXXX XXXX website in XX/XX/XXXX. In XX/XX/XXXX, I went onto the XXXX website to apply for financial assistance, and/or payment arrangements, I also updated my mailing address. After applying for financial assistance, I didn't hear anything back from XXXX XXXX, in which I thought I was approved for financial assistance. Almost two years later, I look at my credit report and see the Aargon collection agency, whom I never heard anything from, collecting the past due amount from XXXX XXXX and XXXX XXXX XXXX. After not being able to resolve this issue over the phone with XXXX XXXX ( XXXX ) billing, I drove to the XXXX  facility hoping XXXX  and I could come to a better understanding of why I wasn't receiving mail from them and to resolve this issue with this debt on my credit report. XXXX XXXX XXXX, I couldn't understand why I hadn't heard anything before putting this collection on my credit. To my understanding, XXXX didn't update my address, plus I asked Aargon to validate my debt, but instead was sent a copy of my medical records, which to my knowledge is a violation of HIPPA regulations. I never signed a HIPPA form authorizing Aargon to have access to this information
Consumer complaint received 2021-05-31
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. (TN)

I recevied my credit report and found an account that is not mine. This account may be a family member 's account. The account in dispute is : XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$19000.00}.
Consumer complaint received 2024-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (TX)

I have US Bank Business credit card ending in XXXX. 
For no good reasons I need to have two online IDs to deal with one credit card account ending in XXXX One user ID XXXX And another one XXXX  For one single card ( account ending in XXXX ) -they have XXXX accounts ending in XXXX and ending in XXXX XXXX XXXX Main card account is XXXX but rewards come in account XXXX. Rewards from account XXXX can not be statement credited to account XXXX. Thats so ridiculous. 
Essentially US Bank simply can not work with Small business. If some business want to deal with US Bank they need to hire army of employees and become as inefficient as US Bank. 

When somebody tries to do a chat, chat is never available Always an issue. 

Now call the phone # XXXX At least XXXX transfers and that annoying XXXX bot which is doing every possible effort to not let a customer service human talk to customers. 

And even if you talk to the humans those humans are more like inhuman-no empathy, no customer service in their mind. They simply never create a case and hang up the phone without listening to the customers complaint. 

For the last 6 months I have this issue. I am the single person Business. I want one credit card userID and one credit card account number which shows me the balance so that I can setup automated payments to make the payment as simple as that. 

I dont want all this useless XXXX XXXX etc.
Consumer complaint received 2021-05-31
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. (TN)

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXXXXXX with a balance of {$830.00} and an original creditor of XXXX XXXXXXXX XXXX This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (LA)

I have had my us bank reliacard I was receiving my unemployment benefits on hacked into & every time Ive called to try to resolve they tell me theyll send me an email and I need to go thru that link to reset my account but they 3 times now never send the email. I started having money taken off account but say if make a XXXX $ purchase with card really XXXX $ would come off and I would at first get all my text message notifications and when I would call an explain they would tell me that i was getting those notifications bc while a charge is pending it would notify me but the $ would be put back after it cleared it didnt make sense. Like once I had a XXXX XXXX charge made from a whole other state for like XXXX but the week before I made a XXXX XXXX  purchase for XXXX I was told that was the same charge every time Id call they talked to me like I was really ignorant. I explained that my account was hacked into once before by an ex and the lady reset my account and everything was fine. It started I couldnt log into my account online or on my app no matter what I would do it would keep telling me my information was incorrect to check it but I only have 1 ss number and birthdate it didnt make sense. Im assuming its so I couldnt view my transactions. Then I ordered a replacement card that I never received but instead I received like 4-5 notices about my address change that I made but that wasnt me I have to use my dads address by I dont have 1. Then I started receiving less and less text alerts so Id call the XXXX number & every time I had to re enroll in the text messages. Then suddenly I stopped receiving them altogether. It tells me on the automated message that Im signed up to receive them but I actually dont anymore. This happened to me around XXXX. I havent been able to get anything fixed Ive actually had to almost argue with customer service by when I try to explain the situation they do nothing to help fix this its been very stressful and has caused me extreme anxiety and XXXX.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$89.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2020-05-05
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX {$930.00} XXXX XXXX FKA XXXX XXXX {$0.00}
Consumer complaint received 2020-05-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I lost my house in the XXXX XXXX XXXX in XXXX XXXX, CA. 

I Received our funds from the insurance company and sent them to our loan company which was being serviced by Loancare. The funds were deposited into a restricted escrow account and the funds would be released as needed for the rebuilt. 

I had many problems starting from the beginning getting the funds just to build the house. During the full time I kept asking about the interest on the restricted escrow account and would never get a full answer. 

On XX/XX/XXXX and XX/XX/XXXX I was told both 2 different supervisors that I would receive the interest on the restricted escrow account at the end. I have never received the funds. We moved into our newly built house XX/XX/XXXX. 

I have sent multiple letters stating that per the CA Civil Code # 2954.8 I am to receive 2 % interstate 's on the funds that are in the restricted escrow account. I have waited and never received answers to my questions. 

I have talked to many other people who also lost their homes in the fire and they received the funds from their loan company with no problems. 

Every time I try to get answers I am put on hold, hang up on or told someone would call be back with more info. They never call back or give my answers. 

I have filed a complaint with the XXXX XXXX XXXX and they are trying to say I am not owed but per all the info for California I am. I have disputed the last answer on XX/XX/XXXX and per XX/XX/XXXX they have not responded again to the XXXX XXXX XXXX. 
I have tried to call the department of the loan company they give for questions, but no one will return my call and all it says that they are closed. 

I am so confused how a company can refuse to help their customers. 

Every time that I call I feel that I am just a loan number and they don't seem to listen to what your full questions are.