davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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. (MS)

I have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the XXXX XXXXtatute of Limitations. In XXXX XXXX oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.
Consumer complaint received 2022-06-10
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. (FL)

Experian just keeps saying that I have already disputed the issue with XXXX XXXX, the problem is that they have 4 different accounts listed, when it should only be two. They are allowing them to have duplicate accounts with the same account number and 3 different amounts. I told them to correct the amount and remove the duplicates. All they keeps doing is saying I disagree with the information, but no one is looking at they fact that this was a debt bought and they have the wrong amounts and are able to have it on my report 3 times.
Consumer complaint received 2021-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NJ)

I took out a loan with Wells Fargo for debt consolidation. The fees being charged do not add up over the life of the loan my total interest paid should be {$1500.00}. 
I have paid more than this in interest and fees I asked them for additional information and research into this with no response
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX of XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach. 

This is my 2nd attempt to get this matter resolved. My 1st attempt was sent in on XX/XX/XXXX .Any further attempts will include additional complaints to the XXXX as well as my States Attorney General. 

Absolutely nothing in my complaint could reasonably given rise to the suspicion that it was not sent by me. The classification of my complaint as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letters and complaints in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the items in question from my report ASAP.
Consumer complaint received 2021-05-04
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 (MA)

I applied and received a capital one platinum secured card in XX/XX/XXXX. I paid a deposit to my credit limit and was told that after six months my card would go under review to be unsecured and the deposit money would either be returned to me or put towards paying the balance on the account. In XX/XX/XXXX I called to find out about getting it unsecured and was told that anyone with 100 % payment history was being reviewed to become unsecured and I would hear from someone soon, and never did. 
Now two years later I have had one smallCredit increase and can not get anyone to talk to me about why or why not my card can be graduated. Today I spoke with a senior account supervisor named XXXX who told me that the secured card Component does not take phone calls or talk to anyone. And she had no answers for me except for Im not sure and Im sorry. I also have a second card with the same company, that was offered to me unsecured, no interest for the first year and a much higher credit limit to start and I have had that card just a few months less than the other one.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (TX)

This is my 2nd attempt to get this matter resolved. My 1st attempt was sent in on XX/XX/21 .Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2020-12-17
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: CITIBANK, N.A. (CA)

On XX/XX/2020 at XXXX we ( myself XXXX XXXX XXXX & My wife ( XXXX XXXX ) ) have bought a camera lens item name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$2300.00} total amount using XXXX checkout with my Citi Credit card ending XXXX ( attached the ebay_order_confirmation.pdf ). 

after few minutes at XXXX i got a email from paypal saying you got a refund for you purchase ( attached at XXXX ). 
i assumed seller has canceled the transaction and returned the money. 
i don't know the reason. i waited few more days to see the credit back on my credit card. 
i emailed the seller on ebay the seller response was the account was hacked and he never actually sold any such item and asked me to contact ebay and XXXX. 
i have attached the 3 conversation we had about the issue ( see seller_response attachments as well ). 

on XX/XX/XXXX i got the paypal email that the refund was unsuccessful. ( see XXXX ). 

i tried to contact XXXX and XXXX they were all shutdown due to pandemic, during this time around XX/XX/XXXX i opened up my credit card dispute as item canceled since i got the refund confirmation but not no money back. 

meanwhile i continued contacting XXXX and ebay, no one helped because there is an existing dispute handled by credit card. 

on XX/XX/XXXX got a email from credit card about the credit dispute that it was denied and the reason was not mentioned. 

i called them asked them about it and i asked them to review the case and i asked them to change the case to item never received dispute. 

Citi cards requested documents which i submitted all the documents in hard copies sent out via USPS ( here is the tracking number : XXXX ). 

after few months days they denied the case XX/XX/XXXX, saying documents never received and they closed the case without any refund to me. 

i called citi cards and appealed the case again told them i sent all the tracking information and send all digital copies as well. they reviewed the case and said that they couldn't do. i appealed the case again on phone and they reviewed again and on XX/XX/XXXX they denied the request for appeal saying the time frame is passed. i never made any mistake. i gave all the documents required in time. 


please see all attached documents with proofs
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (IL)

I purchased furniture from XXXX XXXX in XXXX, XXXX. They had me apply for financing in store with American First Finance. Where my husband and I were both approved and we placed an order. After 3 weeks of calls not being returned and an estimated time of delivery of XX/XX/2021 we opted to cancel. 

American First Finance had already begun taking weekly payments for both my account # XXXX and my husbands account # XXXX furniture turned in electronic communication to American First that the account was cancelled and no furniture was ever received. I was to be refunded in full. 

On XX/XX/2021 I called in and spoke to a XXXX who said she could see the cancellation and our funds would be put back into our account in 7-10 business days. On XX/XX/2021 I received a collection text stating my account was past due. I called in and he said it was an oversite. On XX/XX/2021 I received another collection text on both accounts asking for money to be paid. I called in and the account reflects the total balance due. It was not refunded and it is not reflecting the change in balance. 

On XX/XX/2021 I spoke with XXXX and have requested an email to show I will be refunded. She was not able to send an email. However assures the refund will be applied at some point. She put XXXX on the phone who said he is not able to send an email as such. He then stated that the refund is delayed because they have not completed the processing of my last payment on XX/XX/2021 ( which cleared my bank XXXX This call took over 40 minutes. I have no furniture, I have made payments on each account in excess of {$260.00} and show {$3000.00} in balance due for an order that was cancelled and confirmed with American First who simply isn't able to send any documentation substantiating the account is to be closed with refund due. They have no problem with texts that my account will go in collection for non payment though.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

On XX/XX/XXXX I signed a mortgage note and gave it to XXXX XXXX XXXX XXXX ( XXXX ). XXXX went out of business by XX/XX/XXXX and did not assign a note to any entity. Then XXXX XXXX XXXX XXXX claimed that it was the servicer of my loan and XXXX XXXX was the owner of my mortgage without proof. In XXXX of XXXX the loan went into default. On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( MERS ) assigned the note and mortgage to XXXX with having a power of attorney, On XX/XX/XXXX Chase created the Affidavit of Lost note, On XX/XX/XXXX Chase assigned the note and mortgage to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX XXXX filed for foreclosure with the assignment of XX/XX/XXXX, the Affidavit of Lost Note of XX/XX/XXXX, and the Assignment of XX/XX/XXXX. On XX/XX/XXXX XXXX transferred the mortgage to RIGHTPATH Servicing ( RIGHTPATH ). Now RIGHTPATH claims that XXXX XXXX is the owner of my mortgage which negates XXXX, XXXX, and XXXX 's claims about the assignment of XX/XX/XXXX, the affidavit of lost note of XX/XX/XXXX, and the assignment of XX/XX/XXXX. Sometime in XXXX XXXX fabricated a HAM Agreement of XXXX in which a notary public forged my signature. I am trying to get to the bottom of this chain of fraud and figure out who owns my mortgage with proof.
Consumer complaint received 2024-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

My loans were transferred from XXXX to Edfinancial and I was informed that I would be placed on Administrative Forbearance with no interest accruing. However, interest did accrue and my payments ever since have been applied incorrectly. Furthermore, during the transfer, I was informed by Edfinancial that everything would be the same and autopay would commence as I previously had it and no action was required. They maliciously did not inform me that interest would accrue starting on XX/XX/year> and did not provide me with the option to adjust my payment date to account for the interest that would accrue. Now my interest has snowballed and I now owe way more interest than my monthly payment can cover. When I was with the XXXX, this was not case, I had at least 15 % -20 % of my payment going towards principal. I sent several requests to have my account fully reviewed and calculated between the transfer from XXXX under no interest and my first payment and each time I recieve a response that doesnt not provide that information or handle my request.
Consumer complaint received 2021-05-04
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. (FL)

THE ACCOUNTS/LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-05-04
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: Advanced Collection Bureau, Inc. (FL)

THE ACCOUNTS/LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX  XXXX. On XX/XX/2021, I mailed XXXX XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-05-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I INQUIRED so I thought online with USAA Bank, about a loan to refinance a vehicle I currently have as a lease that the lease is about to end, and I was looking for interest rates. 
When I went to USAA site it took you to series of questions, and never did I know it was an actual credit application since I never put in my SSN There were no disclaimers that this was a actual " credit application ''. 
I was not looking to apply for a loan since my lease isn't up yet, just looking at options on financing. 
I was quickly denied in seconds despite ... 
My recent credit score was XXXX, I am in the end process of refinancing my home loan at a VA lender for a 2.25 % interest rate, Never missed a payment on USAA or any other credit I have which is, 1 other credit card, and a new XXXX loan. 
USAA is deceptive, and I want a letter that this was not a credit inquiry, they claim to serve military, but my opinion is they play off of it for their own benefit! 
The people I spoke to never offered resolution, I pride myself on good credit and have served XXXX years in the military
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IA)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH ENHANCED RECOVERY. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO Bank, N.A. (FL)

IRA CD with BMO Harris Bank matured XXXX XXXX Transfer of funds request submitted to BMOHarris Thursday XXXX delivered overnight by XXXX tracking # XXXX ... received at their XXXX WI office at XXXX XXXX XXXX XXXX from XXXX XXXX XXXX 
Repeatedly called customer service to determine when funds would be transferred to my XXXX XXXX IRA account, as per written request already received ... .BMO staff would never answer question about transfer timing, and issued contradictory statements regarding receipt of instructions ... yes we have them ... no we don't have instructions? 
XX/XX/XXXX telephone conversation with XXXX of Resolutionn team ... she confirmed receipt of XXXX instructions and told me funds would be at XXXX by Monday XX/XX/XXXX. 
XX/XX/XXXX ... no funds received by XXXX ... called XXXX back XX/XX/XXXX and XXXX XXXX-no response. 
XX/XX/XXXX telephoned another Resolution team member..XXXX XXXX. XXXX tells me that XXXX instructions can not be located..contradicting what I was told XX/XX/XXXX by XXXX. 
Nearly XXXX weeks after Maturity, I still do not have funds at XXXX and can not determine when I will have funds at my XXXX account ... no specific information provided by BMO Harris Bank.
Consumer complaint received 2021-05-04
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. (IL)

I submitted an FTC report XX/XX/2021 to all 3 bureaus stating the account that was listed on my report were the result of identity theft. According to the FCRA pursuant 15 USC 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer resulting from identity theft. It is XX/XX/2021 and a block has still not been placed.
Consumer complaint received 2022-09-20
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: Porsche Financial Services, Inc. (IL)

There were issues with setting up the payments online. We sent a check. Porsche claims it never received the check. We squared away the online payment application. The check was never cashed so we called and made payment. Unfortunately it was 35 days after it was due. There was nothing nefarious or intentional here. The one single missed payment was reported and My credit score dropped XXXX XXXX XXXX POINTS!!!! Given this is my first blemish in over 7 years THAT IS EGREGIOUS and a gross overreaction, arbitrary and capricious. One missed payment of 30 days should not lead to a XXXX point drop. Period. I consider this predatory and am complaining about this result with a prayer of relief of a repair of my credit score to a level proportionate to the infraction. The account was paid in full, there was never a phone call, emails went to spam folderetc but even if I am 100 % at fault here ( Im not ) this punishment does not fit the infraction.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

Chase unilaterally decided to close my Chase Sapphire Preferred account ending in XXXX on the basis that I've submitted an increasing number of disputes related to my abroad travel from XX/XX/XXXX to XX/XX/XXXX. As I've explained in detail in numerous communications with Chase 's customer service team members, these disputes have merits, and in no way did I abuse their dispute function. In a very detailed letter, I outlined the history and details of these disputes in support of my claim that these disputes are all submitted in good faith, and thereby demanding that my account be reinstated immediately. This letter was submitted on XX/XX/XXXX, via Chase 's internal Secure Message and via postal mail. I have not received a response. A copy of Chase 's original notice of closure of my account and a copy of my response letter are attached in this complaint. If Chase does not reinstate my account immediately, I am ready to rally my resources to mount a vigour legal action.