davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-19
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: Commonwealth Financial Systems, Inc. (LA)

Commonwealth Financial continues to report an account in the amount of {$680.00} and it should be removed immediately as they are in direct violations of FCRA rules and regulations. I have contacted this company for validation of this account and I received no information from the company within the allotted period of time. The company has placed inaccurate information on my credit reports and defacing my credit worthiness. The company stated that they updated information after I disputed information with the three major credit bureaus on the account but all information remains the same. Commonwealth financial should be held accountable for their direct violation of credit reporting laws.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I initially became behind on my mortgage payments in early XXXX due to me being a widow. I was assigned to a single point of contact by the name of XXXX XXXX, telephone number XXXX, who submitted an approval for deferment on my loan on XX/XX/XXXX. I initially received the deferment and the payments were pushed out until XXXX. The hardship continued and XXXX assisted me with submitting for a loan modification. We proceeded and I was granted the loan modification in XXXX, for payments to begin in XXXX. There were 3 trial payments which just so happened to be in the middle of the COVID pandemic. Although I was effected by the pandemic, and just getting back on my feet, while making my lender aware of such ( emails sent ) I gathered the funds and made all 3 payments. I was sent a letter stipulating that I was approved for a final loan modification and that the documentation needed to be in by XX/XX/XXXX. I submitted the paperwork, had it signed by a notary and sent in. It was received on XXXX XXXX. Shellpoint offered to send a notary, however, I had already had the documents signed and the notary they offered, called and made me uncomfortable as they identified themselves as Shellpoint directly and not a notary. Later, after calling and emailing several times, I found out that the paperwork, I signed was erroneous on Shellpoint 's mortgage behalf, and needed to be signed again. This was conveyed to me on XX/XX/XXXX, when the payment was due in XXXX and I am effected by the pandemic. I made XXXX XXXX XXXX my single point of contact via our conversation and a follow up email ) aware and he promised to have his supervisor XXXX XXXX call me ( I sent XXXX XXXX several emails as well- 3 to be exact ). XXXX XXXX, nor XXXX XXXX got back to me. I re-signed paperwork, on my own, had that re-sent to Shellpoint Mortgage, and it was received, on XX/XX/XXXX. I was later told by another representative that there was an error with that paperwork due to a mishap on Shellpoint mortgages behalf, again. I have sent emails to XXXX XXXX and XXXX XXXX, again, no response. In the interim, I have received paperwork asking for the loan modification paperwork, which I have sent over twice, and I have also received paperwork stipulating that my home is in default. I was told that this paperwork generates automatically because the loan modification documentation has yet to be registered. Here I am at a stand still and told that I need to sign now a third set of loan modification documents with no explanation as to why, and no one seems to be giving me a call back. When I call, I am told that my single point of contact XXXX XXXX or his supervisor XXXX XXXX needs to correct the situation and after several calls, they too have not called me back. I need answers. This is my home. I have two little ones and it is extremely important to us. Your assistance would be greatly appreciated.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (PA)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (MD)

I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX ) had filed a case in court against me. I called XXXX and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse. 

I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask XXXX and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court. 

The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. 

I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. 

She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. 

I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''
Consumer complaint received 2022-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Consumer complaint received 2020-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (CA)

I have a debt on my credit report that was acquired by a company Vance & Hoffman and it is totally invalid. I already proved to the original company that I never received the product that was in question and the original company removed their debt collection efforts from my credit report. This other company decided they were going to continue to collect money from me illegally. They are affecting my credit score illegally and I need them to be stopped.
Consumer complaint received 2021-06-21
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. (NY)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one account and the inquires.
Consumer complaint received 2021-06-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Common Wealth Mortgage Services (UT)

We started our refinance process the middle of XXXX. We were told we would close by the middle of XXXX. Then we were told we would close by the end of XXXX. We were working with InterCAP lending. The agents assistant, XXXX, told us that our payoff was good through the first week of XXXX and we would be able to sign papers to close the end of XXXX. The end of XXXX rolled around and the papers had not gotten done yet. I had asked her more than once if we needed to make the loan payments and she told us not to worry about it because we would be signing the end of the month and the payoff statement date was good through the first week of XXXX. So after the first week of XXXX rolled around we made the house payment because we hadnt signed papers, but the damage was done. Because of this delay both of our credit reports are destroyed.So we now have a late car payment and a late house payment That we can not fix. We havent missed payments on anything in years until this. We shouldve never listen to the advice of this company. What they told us would take 3 to 4 weeks, ended up actually taking 8 to 9 and now we can not do it. They pulled our credit at least three times and that third time showed the late payment putting a stop to everything. So now they declined us the refinance.Those payments didnt have to be late but we were advised not to worry about them because we will be closing by the end of XXXX And it would just throw off the payoff statements anyway. They would not communicate and they gave bad advice that destroyed our credit. Because of the negligence of this company. My husbands and my credit are destroyed. And now we can not refinance anywhere because of the damage that has been done
Consumer complaint received 2022-07-25
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. (CA)

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 Experian / XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

DEPT OF ED/XXXX  XXXX and DEPT OF ED/XXXX  XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated.
Consumer complaint received 2020-07-14
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2019-08-31
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: Experian Information Solutions Inc. (PA)

Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the 10 payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. XXXX  should pay major restitution for ruining lives. Please, please help!
Consumer complaint received 2019-10-19
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 (NC)

I have two account with Amex. I applied for a third which is the Magnet card with a 0 % APR for 15 months and I filled out my application online with these terms. I was approved and was notified by email that I would receive my card by mail. I did a balance transfer from discover for the amount of {$4500.00} to Amex Magnet. I noticed an interest charge of {$58.00} on XX/XX/2019. I contacted American Express and I was told that I have misused the account. I asked how I misused the account and was informed that Amex could not give an answer. On XX/XX/2019, I spoke with a rep named XXXX though live chat. I requested a copy of my application as proof that the Amex did not honor the offer, I was denied. I then called Amex and spoke with rep XXXX. She said that she could not give me a copy of my application. She claimed that I signed up for the offer and was informed that I was not eligible for the offer and agreed to those terms. This is false. She went to say that I misused the account on my other cards but then later claimed that I misused the welcome offer. I paid {$130.00} transfer from XXXX to Amex and I'm being charged 23.74 interest that I should be not paying for.
Consumer complaint received 2020-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I had a derogatory mark on my credit report from XXXX XXXX XXXX  for {$380.00}. This was on both Experian and XXXX. I contacted XXXX XXXX  XXXX  who was sent the credit account to collect and we settled for the above payment which would be resolved in full for less than full balance. This payment was made to XXXX on XX/XX/2020 and was taken out of my checking account on XX/XX/2020. I am in the process of obtaining a mortgate and this still shows on my Experian Report as being owed to XXXX 's. I called Experian and they said they can't do anything until XXXX 's send them notice it was paid. I called XXXX 's and they said it was sent to both Equifax and Experian. I checked my XXXX  report and the report shows that the account was paid and taken off their credit report. I am trying to buy a house and this is hindering me from moving forward. I asked to talk with a supervisor and every time I ask there is no XXXX available at the time and am told they will call me back, but they never do. The last conversation I had with Experian XXXX who I was talking to said that she would attach my documentation to my complaint and send it to XXXX. I told her no because I did not want to open another dispute because I would have to explain this to the bank and it will not look good. Shortly after that I checked my email and found that another dispute was opened for XXXX which I did not want. I immediately contacted Experian to have it removed and was told it would be. I have copies of both the original letter showing the account was paid and the new dispute that i never wanted. I had XXXX call on XX/XX/2020 from a supervisor named XXXX. I did not get that message until after XXXX p.m. He called me around XXXX XXXX that night. He left me a message stating he would call me in the morning ( XX/XX/2020 ) which he never did. Saved the message on my phone. during the day on XX/XX/2020 I talked with a XXXX, XXXX, XXXX, XXXX and all said they would have a supervisor call me which never happened. I called them at XXXX ; XXXX XXXX for a total of about 1 hour and 35 minutes and every time got disconnected. they have made my problem worse by their response. There was not one person who even made an attempt to help me and get a supervisor to talk with me.
Consumer complaint received 2020-07-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo offered a Covid-19 Loan Suspension Program for 90 days. They offered various solutions on the front end of the program. ( examples : move missed payments to end the loan, etc. ) We missed two payments under this program and then reached out to Wells Fargo to figure out how to resolve the missed payment situation under the Covid 19 Home Loan Suspension program. One of their solutions was to move your missed mortgage payments to the end of the loan. We though that was a viable option. Wells Fargo is happy to move these payments to the end of the loan but what they did not explain on the front end is to do this it labels your mortgage into a deferment status. That has devastating consequences to your mortgage. This is where the bait and switch came in. Wells Fargo offered happy solutions on the front end but did not explain the devastation it causes on the back end. The account number with WFM is XXXX. I feel WFM was not honest with their consumer on the front end about this program and has now left us in a very difficult situation. We have had our mortgage with Wells Fargo for 17 years. This is has been completely devastating. I have talked to XXXX people over the last 30 days with WFM and there has been no resolution offered by them that does not hurt our mortgage status or credit.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2020 I authorized XXXXXXXX XXXX, custodian of my Health Savings Account, to pull {$3000.00} from checking account at Wells Fargo Bank. On the XXXX two micro pulls were conducted successfully to ensure that correct routing and account numbers provided. These two micro pulls were immediately refunded back to my checking account The next day, XX/XX/2020 {$3000.00} was pulled from my checking account with ACH transaction # XXXX and applied to my HSA account. On XX/XX/2020 I received an Email from XXXX XXXX stating. 

" Please be advised that your deposit amount of {$3000.00} made to your Health Savings Account on XX/XX/2020 has been debited from your account. The funds were debited, as funding to cover this deposit was not received from the bank on which the check was drawn. '' I immediately called Wells Fargo. On XXXX they provided me with the ACH transaction number which I then provided to XXXX shortly thereafter. My bank statement for that time period clearly shows the {$3000.00} dollars being pulled from my checking account. 

For months I went back and forth with XXXX about where the $ $ ended up. Finally on XX/XX/2020 I received the following email from XXXX. 

" Our Finance Team has confirmed that the transaction in the amount of {$3000.00} was manually rejected due to NO external bank account at the time of the transaction. From the research, it was determined that the transaction belonged to you. '' From that point until now I have tried to get XXXX and Wells Fargo to work together to find the funds but both refuse to accept responsibility to find the money. I am finally giving up on them and submitting this complaint hoping that the CFPB can force the two banks to talk to each and find my {$3000.00}. 

I have enclosed copies of the various referent letters, a sanitized copy of my bank statement showing the {$3000.00} being pulled, and my log of all the phone calls etc that I have record of. ( I did lose one months log to my puppy voracious appetite ). If further information is needed I will do my best to provide it.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Personal Data : XXXX XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Account # XXXX Sent three emails and registered letter to company with no respose in XX/XX/2021 ; also spoke with customer service representative three times with no resolution Company : United Services Automobile Assn ( USAA ) XXXX XXXX, TX Chedcking account missing approximately XXXX XXXX {$50000.00}. Suspitious activity started in XX/XX/2021.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I had a XXXX XXXX Credit card with XXXXXXXX XXXX 
I paid it off a few months back. paid in full! over XXXX dollars it was paid in full in one lump some. and it is still showing deliquent on my credit report!
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: Experian Information Solutions Inc. (SC)

I have requested Experian to remove XXXX XXXX from my credit report because they have failed to report the account accurately on my credit report. The date of last payment and first date of delinquency is inaccurate. I have advised Experian of the inaccurate information and even sent them a screenshot in which I sent but they ignored the screenshot and claimed they were verifying the information.