davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
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: Mr. Cooper Group Inc. (FL)

On my XXXX  credit report my mortgage payments and balances are not being reported at all for several months dating back as far as 2017. I call Nationstar to resolve the matter and I am told that Nationstar is reporting my mortgage information accurately and consistently and that it is an issue with XXXX however the data is not available still in my XXXX credit report. So, I call, file complaints and disputes with XXXX and they respond by telling me that it is Nationstar 's fault that Nationstar is not furnishing them ( XXXX ) with the data. I AM NOT GOING AWAY! THIS MATTER WILL BE RESOLVED REGARDLESS OF WHO'S FAULT IT IS! 
Please take a look at the XXXX  credit report, you will see that multiple months reflex no data for my Nationstar Mortgage. I AM NOT OK WITH THAT, IT NEEDS TO STOP! 
Also the resolution letter from Nationstar does not address this issue and why and who is NOT DOING THEIR JOB! FIX IT OR PAY THE PRICE! Nationstar has already been sued for this lack of ethics and changing your name isn't going to change the fact that what you are doing is wrong on so many levels.Way to much data missing from my Nationstar mortgage, MONTHS!
Consumer complaint received 2019-11-05
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. (CA)

On XX/XX/XXXX, XXXX XXXX posted to my EEquifax report that my loan balance " increased by {$70.00} '' and it adversely impacted my credit score. My statement shows a payment made and not clearly identified as to which date the payment was processed in XXXX. It shows my correct payment of XXXX, principal payment of XXXX, and interest payment of XXXX. I called to inquire why they are erroneously posting negative information to my reports, on XX/XX/2019 and all they ever claim is " interest accrues every day. '' They do not know how to answer any questions and I held for over 15 minutes waiting for a supervisor who never came onto the call. They believe this statement explains all of their extensive errors, it does not.
Consumer complaint received 2020-02-14
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OR)

Offer was a bait and switch - wouldn't honor discount and terms as listed. I have a copy of the terms, but when requested to honor fee terms it was denied. The crux of the offer was the first year fee, {$450.00}, waived. One representative said it was a short time window and suggested I now pay the {$450.00}, the other said an error. Which is it? 

Went to read terms ( I did print them out ) than later apply on the same day XX/XX/2019 Called in to AMEX XX/XX/2019 https : //www.americanexpress.com/us/credit-cards/card-application/apply/hilton-honors-aspire-credit-card/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-03
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)

XXXX, XXXX  AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX XXXX : Account Number : XXXX  -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened :XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : JXX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   : Account Number : XXXX -- >Date Opened :XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   XXXX XXXX : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened :XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXXXXXX, XXXX XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -OpenedXX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX   GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2019-07-31
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: WELLS FARGO & COMPANY (TX)

Ordered some speakers through XXXX and when they arrived, it was not what was ordered so I informed XXXX, to which they approved a refund upon their return. 

When the items were returned, rather than receiving a full refund, ONLY a XXXX XXXX refund was issued Long and short, I did not receive what I ordered and paid for, XXXX states a refund is approved but has never been issued, therefore I would like to place the following items in dispute and request you refund my money. 

The charges in question is : XX/XX/XXXX XXXX {$610.00} XX/XX/XXXX XXXX {$140.00} -- -- -- -- -- -- -- {$760.00} Sent disputes to Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no resolution, which is why I am filing a complaint with you.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (ID)

Experian has deliberately messed up my credit report. I have so many times my veins are pumping blue with ink. I contacted USA.Gov and XXXX told me " If the collection information is valid, you must wait 7 years from the original delinquency date for the information to cycle off your credit reports. The original delinquency date is the date the account first became delinquent and after which it was never again brought current. '' After checking with CFPB learned it depends on staute of limitations of state which is Idaho, State of Idaho says, " Idaho Statute of Limitations on Debt Collection. ... In Idaho open accounts, like a credit card account, have a statute of limitations of 4 years. 

NOTE : The time period begins as of the date of the last item, typically a payment or a charge under a credit card agreement. 
Idaho Statute of Limitations on Debt Collection | ID Debt Laws ... 
https : //XXXX XXXX states I can not buy a plane ticket. I can not buy a XXXX. XXXX  let a guy cash a check with my name on it and walk out door while at same time dragging me into collections. He did not even have proper ID. It should have been run thru his business account. 

Please help correct credit score. It seems every time I try it gets lower. Thank you.
Consumer complaint received 2019-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AR)

On XX/XX/2019 I spoke with XXXX XXXX with Loan Depot. He and I talked about an equity line of credit on our home and maybe a refinance. On XX/XX/2019 I received an alert from my credit monitoring service that there had been a hard inquiry on me. I looked and it was from XXXX -- also known as Loan Depot. So, I sent XXXX an email because I absolutely could not remember giving him permission to pull a hard inquiry, only permission to pull a soft copy. Well, turns out I did give him permission to pull a hard inquiry-only that is not what he called it. He called it a tri-merge credit pull. He apologized for not making clear to me what he was doing. That is a very misleading thing to do for customers. I told him that was misleading and that I was filing a complaint. He asked me " WHY ''? I took a ding on my credit and my husband 's credit because I didn't understand what he meant. I'm writing this because I want every one else to be aware of what they mean when they say tri-merge credit pull. So, now I have to plead my case to the credit bureaus and hope they remove it -- had I known I wouldn't have agreed to do that.
Consumer complaint received 2020-02-03
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. (GA)

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX XXXX  : Account Number : XXXX -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX  -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX   : Account Number : XXXX -- >Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX  XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -Opened XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please remove these. I contacted FTC and local police immediately also.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 2 credit cards with CapOne. I called customer service once i noticed that both cards were restricted. I was told there was a fraud restriction on my cards and was asked to send in the front/back of the driver 's license for each AU that was ever listed on my account even those that were no longer listed. I mentioned that some of the previous AUs, I was not in contact with and I was told to get it or my cards can't be unrestricted. I was also told that my son who was also listed as an AU needed to go and get his state ID as his school ID ( he had just turned XXXX ) and his passport would not be sufficient. I submitted the documentation via the secure link multiple times per person that they requested. Even after being told all documents were received, I was asked to resubmit some documents again, which i did. After 2.5 months of submitting documents over and over as well as payments being made ( as account was set on auto-pay ), The last representative I spoke with confirmed everything was received and in order, but I was told that my representative couldn't unrestrict the card and I would get a call from someone who would be unrestricting it for me. After 48 hours of not getting a call back, I called in and I was told that my cards were permanently closed and available for payments only plus membership fee. One of the final payments on the card was returned due to auto-pay not being able to withdraw funds, and I made the payment from another account the same day of that attempted draft, as I was unable to make any changes to the accounts directly due to restriction. 

I have 3 business accounts, an auto loan, a personal checking and savings, as well as money/student checking savings accounts for my XXXX children with Capital one. To be treated with such disregard after completely complying with the request of the fraud department is Unacceptable. I have not even been made aware of what the issue was in the first place. I even mentioned removing the AUs if that was an issue as my cards have been open for over 7 years with perfect payment history.
Consumer complaint received 2020-02-13
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. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$31000.00} XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$400.00} XXXX/XXXX XXXX {$240.00}
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (GA)

For the last several years Chase has sent me offers in the mail to get a new account bonus when opening an account. Finally after over 2 years of offers I opened a new account with the coupon the sent me offering {$300.00} bonus for a new account. 

After meeting the requirements of the offer they deposited only {$200.00} as a a bonus and not the full {$300.00} as advertised. 

I still have the offer card they sent to me and have even received further offers of the same from them. 

I contacted them the day after the {$200.00} was deposited and they opened a complaint / investigation ticket for me. The company had a lady named XXXX contact me on XX/XX/XXXX and left a voicemail with a number to call her back at to discuss. 

I have left her multiple voicemails every business day since then with no response. I have called customer service and they can not reach her either. I then opened a second complaint 2 weeks ago and have still not heard back from them on that one either. 

The coupon code on my card was : XXXX XXXX XXXX XXXX This is a terrible way to begin a relationship with a new customer by not keeping your offer and the lack of response.
Consumer complaint received 2019-11-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

On Friday, XX/XX/XXXX, my sister received a refund from her school which she transferred to my bank account. The amount sent to me was in 2 transfers. One for {$1500.00} and the other for {$500.00}. I then transferred the money back to her via Venmo in 4 payments, 3 of {$500.00} and one payment of {$480.00}. We then went to XXXX and her Venmo debit card kept declining but she had more than enough money to make the purchases, so she sent the money back to me in the amount of {$430.00} and when I tried to make the purchase using my Venmo debit card the card declined for me also, so I tried to transfer the money back to my bank account and Venmo declined my transfer. So we went online to try and make the purchases and they kept declining. We think, at the time, that maybe its just XXXX processors because thats what the customer service agent told me could be a possibility because on their end there was nothing wrong with my account. So my sister went to XXXX  XXXX  website and bought a tv with her Venmo card and the purchase was successful so she tried to make another tv purchase for our new home and it then declined. She she sent me the money back for the tv in the amount of {$360.00} and we used my card to make the tv purchase with XXXX XXXX for {$180.00}. And it was successful. My sister then sent me 2 more transfers, one for {$120.00} and another for {$600.00}. Venmo has since then frozen my account for apparent violations of user agreement but when I spoke to a representative, the rep could not tell me which of these user agreement terms I violated and had no information about what was going on with my account. When I asked to speak to a higher up, she then told me that she could not transfer me to a higher up and when I asked to speak to their fraud department, she claims that the fraud department does not have any phones and is unreachable at all and that I had to wait for the email from the department which I received this morning claiming that because of these violations they have closed my Venmo permanently and that they will be holding my funds for up 180 days while they investigate the claims against me, although on Friday when I receive an email about my funds being frozen, I sent my state ID as proof of who I am. Venmo claims that they are also no longer able to assist me with this situation.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On or about XX/XX/XXXX, I received an email offer from XXXX XXXXXXXX which promised XXXX miles upon approval. Since I fly XXXX I applied. When the application came up on my screen it showed an APR of 17.34 %. Nothing else was disclosed. I filled out the application online and was approved in less than 5 minutes for {$5000.00}. 

I received the card in the mail on XX/XX/XXXX. Upon opening the envelope I began reading the terms and conditions. The first item was " when you spend {$2000.00} within the first 90 days you will receive XXXX on your mileage plan. The next item was the percentage rate of 23.74 %. The last item I found out today was a XXXX XXXX yearly enrollment fee. My credit rating is XXXX according to the enclosed report. 

I did not activate the card, and I cancelled it on XX/XX/2019.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (TX)

I am trying to refinance my home. I was within days of closing when the underwriters asked about a deferred balance that they discovered when they received the final payoff. I just came out of bankruptcy and was under the understanding that all past arrearages were to be taken care of in the bankruptcy. When I asked my Mortgage company about the amount, they said I was still responsible for it. The amount is {$11000.00}. I have asked them to find written documentation where I agreed for this amount to be put at the end of my loan, and documentation explaining to me how it would affect me when I re-financed. First, they said it would take 72 hours. After the 72 hours, they said they should have an answer in another week. We are now at 2 1/2 weeks and still nothing. My loan changed to a different Servicer in the middle of my bankruptcy and they have not been able to come up with a documented resolution yet. I need a resolution ASAP. My interest rate is at 12.75 % and I need to be able to move forward with the re-finance. I have my rate locked in already and only have a limited amount of time.