davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX I received text and a phone call from a number with Bank of America logo. I was asked by a man who claimed to work for BofA if I authorized a {$3500.00} XXXX transfer. I was confused as I never have used XXXX and did not know anyone had the ability to access my bank information to start a transaction. I was told that in order to stop this transaction I would have to go into my XXXX account and send the money back to myself. This sounded strange but I was confused and did not want my money taken. In the end, the BofA imposter defrauded me of {$3500.00} of my money. I went to the Bank of America ( located in XXXX, N ) Y the next morning and spoke to a representative who called the fraud department by phone. I relayed the exact circumstances and provided text and phone numbers from the transaction. It was suggested that I make a police report, which I did following my visit to the bank. I received a letter from BofA on XX/XX/2022 stating that they would not approve the claim and credit my account. They said I should try to contact the person who took my money so I could retrieve it. I called the number provided on the letter and spoke to a representative. I told them that according to Regulation E, part of the Federal Electronic Fund Transfer Act, banks are required to refund consumers for fraudulent transactions on their accounts. The directive also states that the law applies " If a third party fraudulently induces a consumer into sharing account access information '', which is what happened in me. The representative told me they would look into it further and get back to me. On XX/XX/XXXX I received another letter that was identical to the first letter denying my claim. I recently spoke to a lawyer who stated that the law is on my side and that Bank of America is required to credit {$3500.00} to my account.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I applied for a refinance with Quickens loans. Initially wanted a loan with no out of pocket expenses. When I realized that the cost of the refinance was close to approx $ 8k, I decided to not finance the cost of the loan. From that point on, I had issues. # 1. I ask the agent to re-calculate the loan based on my paying the costs. I only wanted to finance the amount of the payoff. # 2 Approx 2 weeks passed and no such document was disclosed, but my payoff amount changed online. I called the closing team, and asked why I did not receive a redisclousre showing the new loan amount and when I looked at the online summary, the payoff amount changed. # 3 It kept changing, and the loan amount kept changing. The 1st disclosure document I received showed the final dollar amount of the payoff to be {$130000.00}, I asked why would it change. I was transferred to client relations and spoke with XXXX XXXX who stated that figure would change daily. Did not like his attitude, kept talking over me and treated me like the additional funds were minor. I tolde him, it's not the amount, I wanted to know how could the final payoff amount change when it showed the esitmate amount and the final payoff amount for closing in XXXX. We were at least close to 2 weeks before closing. # 4 He could not give me a definitive answer, other than it changes daily. I started watching it daily and it did not change daily. It changed 4 times, from the final amount of {$130000.00} to {$130000.00} to {$130000.00} to {$130000.00}. I belieive because I did not want to finance the cost of the loan, they would recoup monies by changing the payoff amount.
Consumer complaint received 2023-01-30
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. (NC)

Several fraudulent accounts are reporting on my credit report as a result of identity theft. Equifax I was told would remove and block these accounts. On a call made friday the XXXX I was told that the fraudulent accounts would be blocked from appearing on my credit report within XXXX hours and was given two confirmation numbers supporting this. I called back today the XXXX to confirm this information and to ensure these accounts were removed and blocked from my credit report to which the representative informed me that the previous representative was lying to me and that the information would not be removed and blocked and said that I would have to go through another pointless dispute process. I tried to explain to representative that I had already went through the dispute process multiple times and that this issue was still not corrected she did not seem to care nor understand and instead offered to initiate a dispute
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Newrez/Shellpoint has a loss draft escrow account for my property for an insurance repair. The repair is recently completed and all documents needed for the final disbursement from this account were submitted and acknowledged by them on XX/XX/XXXX. I've made multiple calls inquiring as to the status of the disbursement and the funds have not been released as of XX/XX/XXXX. Customer service states that they can not have someone contact me, can not expedite the process, and their process is to submit the request to the back office, whereby I have to wait and call back and check the status in XXXX business days. Subsequent calls after XXXX days result in repeat of previous ( submit a request, call back in XXXX   days ) which results in no action. Multiple times have been told by customer service that the request has been submitted to release the remaining repair escrow funds. Call with customer service on XX/XX/XXXX stated that Newrez/Shellpoint would send the check out within XXXX hours and to call back for the status. Call on XX/XX/XXXX Newrez/Shellpoint stated that the check was not sent out, I requested that it be sent out that day and overnighted, company said to call back the next day for the tracking number. Call today ( XX/XX/XXXX ) customer rep says that check has not been sent out and is still being processed. 

Multiple calls to try to resolve this : XX/XX/XXXX, XXXX XXXX Each time Newrez/Shellpoint indicates a check will be issued, but fails to do so. At this point due to their delays I run the risk of financial penalties due to the delayed release of funds from the escrow account. It is now XXXX weeks after they have received the paperwork needed for them to process the disbursement.
Consumer complaint received 2020-07-07
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. (PA)

( XXXX XXXX XXXX XXXX ) I have sent 4 challenge letters to Transunion , XXXX , and XXXX . Each time they say that the account has been verified ... How can they verify that this account is reporting 100 % accurate if they are all reporting different information? they have not conducted full and proper investigations is the answer ... .I am attaching a copy of my report so that you can see all of the inaccuracies in the reporting ... first off the account # includes the letter L which in reading is a metro 2 violation. XXXX is not reporting terms and the other 2 are. account status are different, high credit is different, the comments are way different ... 2 of the bureaus do not even have the comment that it is in dispute which is a clear violation. date of last active are all different, date of last payment are all different and the 2 year payment history is totally different ... XXXX is reporting ok, XXXX is reporting a new charge off every month which is killing my score and transunion is reporting nothing
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute all ftc violations sent over 45 days ago
Consumer complaint received 2020-07-07
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. (TX)

XXXX XXXXDisput XXXX XXXX XXXX XXXXDispute XXXXispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX IDispute all ftc violations sent over 45 days ago
Consumer complaint received 2023-06-02
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. (NC)

XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX XXXX. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than 2 late payments. I was never 30 or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for 20 mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you
Consumer complaint received 2021-09-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NC)

With references to the 2 complaints I have already made to CFPB, I have not received my refund up to this date. Twice, the company responded by providing me with the relevant information to collect my refund. 
The second complaint I made to CFPB, XXXX, from the Executive Resolutions Team, emailed, to advise me that I need to provide the relevant documents that will prove that I am in XXXX. I emailed all documents, which include : my Bank Statement to show evidence of the amount being taken out of my account, my Passport to show the Entrance Stamp on my time of arrival to XXXX. 
On XX/XX/2021, I received another email that reads " Please be advised that we have changed the payout destination of the transaction, Western Union processed a full refund including charges in the amount of {$500.00} equivalent to XXXX, with tracking number ( XXXX  ) XXXX. Your refund is available for pickup at any Western Union agent location in XXXX ''. 
Having received such an email, I went the same day to a Western Union location in XXXX and DID NOT get the money as the agent told me that a notification is saying " This transaction is under review '' I made a call to my local Western Union Headquarters and the representative responded by saying she made a call to the CORPORATE HEADQUARTERS in COLORADO and she was told that the money should be picked up in the US ''. 
WESTERN UNION!! I need an ANSWER NOW!!!! This is my THIRD COMPLAINT about my refund. I have provided XXXX, from the Executive Resolutions Team with all my documents and information of my being in XXXX. I need the Western Union in XXXX to get the information from the CORPORATE HEADQUARTERS in COLORADO, in order to release my money.
Consumer complaint received 2022-07-31
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Heritage Financial Group, Inc. (OH)

My sister lease a car with a XXXX XXXX And they tell me the my license was going to use only to take the car out of the lot The I not was a co signed so now I was checking my credit score and now the car show the is on my name. 
I tell the them I got a loan already for my truck the I'm paying the i can't have another loan and they check my credit like 20 time with out ask me and they don't want to take my name out of that car I didn't buy that car I'm frustrated because I'm trying to fixes my credit
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-01-30
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. (MA)

the credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. the grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A. states i have the right to privacy.

15 U.S.C 1681 SECTION 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here and they are still not removing all the hard inquires late payments that wasnt late and and closed accounts that haven't been removed yet
Consumer complaint received 2023-01-30
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)

Metro 2 Compliance and Oscar must be investigated and was not investigated per the company reposes. This is not lawful. Also invalid updates were done to accounts that have not changed including this account and an account from XXXX. IF these account were not in compliance they must be deleted this is causing harm to myself by allowing these companies to commit unlawful and non-compliant entries into credit reporting systems and instead of deletion allowing those same companies to damage myself again and again. These two items must be deleted.

Investigation was not an actual investigation. I demand a Metro 2 Compliance and e-Oscar investigation involving the following on my credit report : XXXX XXXX XXXX Account on my credit report XXXX it is showing past due balance and other items that are not in compliance with Metro 2 standards and must be deleted immediately.
Consumer complaint received 2023-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

I submitted a mortgage payment through my XXXX XXXX pay for both XXXX and XXXX, 2022 respectively. I have used this method of payment in excess of one ( 1 ) year and have never had an issue until recently. BSI is alleging they received payments for both XXXX and XXXX, 2022 " after '' the deadline, which is the XXXX of each month, thereby accessing a {$51.00} late fee to the account. However, upon contacting XXXX and speaking with a Representative, their systems indicated payments for both XXXX and XXXX were issued as follows : XXXX, 2022 was issued on XX/XX/2022 and received by BSI on XX/XX/2022 ; and XXXX, 2022 was issued on XX/XX/2022 and received by BSI on XX/XX/2022. In speaking with the BSI Representative regarding these two ( 2 ) transactions, i tried to provide the transaction number and the acct number for which XXXX provided based on information taken from the back of each bank issued draft to request they recheck their transactions to see if an error occurred and/or perhaps my acct numbers were mixed up with another similar account, these suggestions proved fruitless as BSI refused to check their records and maintained their records and information was accurate. 

I find the recent late fee assessments suspect on the part of BSI as they are a " Loan Servicer '' and are the only ones profiting from any fees assessed on the accts of a consumer/borrower, and as evidenced by their failure and/or refusal to check their transaction as though they are exempt from mistakes and/or are the only organization not experiencing staffing issues. Not to mention BSI stands to gain additional interest if all borrowers utilized their preferred method of payment which is Auto Pay and/or Online Bill payments.

Finally, BSI 's refusal to check its transactions, admit any error could have occurred on its part, or their admission of staff shortage, on its face, can be seen by the consumer/borrower of BSI 's attempt to collect additional fees, especially given the fact that XXXX has presented proof to the contrary of their records. The foregoing method of attempting to collect fees from a borrower by these types of practices is unfair and fraudulent on the part of BSI.
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (OH)

on XX/XX/2020 i sent my friend an international wire transfer of {$5000.00} from usa to XXXX through a chase bank branch in XXXX, ohio. 
i was charged a {$50.00} fee for this transaction and i was told that this transaction should be received by XX/XX/2020, which is 10 days from the day sent. this is also stated on the documents that i got for the transaction. 

it is now XX/XX/2020, 5 days past the due date, and still my friend has not received anything. 

ive went back to the branch and asked them for help to track the transaction, but they refused to help me and gave me a phone number ( XXXX ) which every time i call goes to an automated system which says we are currently unavailable and then immediately hangs up. 

so now i have no way to track my transaction of {$5000.00} and i have no idea if it will even be received. this is just horrible
Consumer complaint received 2020-07-07
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. (NC)

The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that need to be deleted are : XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 

My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2020-07-07
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. (NC)

The government because I am in the military has breached my file 3 times. All 3 bureaus I have asked to investigate and remove inaccurate negative inquiries and information- this has not happened.