davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: A.R.M. Solutions, Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Discontinued sending a hardcopy bill form to my residence. Then started to call and wished to have me provide credit card or banking account number over the phone to acquire automatic payment method. I informed them at that time that I have no problem with paying my bill that they will have to continue to forward me billing thru the mail as they once were. They explained that they were not part of the billing department. I received numerous calls with the same conversation to each person that called. XXXX XXXX XXXX & XXXX p.m. XXXX XXXX. & XXXX. XXXX XXXX XXXX & XXXX a.m. are the last of many before that i started to keep records, Then I got an email XXXX with a view of the hardcopy bill that i used to get in the mail with an individuals name XXXX XXXX XXXX XXXX XXXX XXXX. I responded to that email asking. When and if i could continue to receive a hardcopy in the mail to my address. No return response. No hardcopy received in mail. In many of these communications with persons on phone, no one could answer my questions as to what the account number they were calling about, where the subscription was being sent to, what time frame or dates the service was from end to end, what address the bill was being sent to. They just wanted me to give them my credit card number over the phone. I feel these actions by the daily press are done deliberately to try to streamline the process and lower their cost of dealing with mailed bills to the customer. I am sure they wish for more automated process. It cost less. There was no profane or obscene language used. No threats of violence mentioned. There were comments of false statements and continued harassing phone calls after asking them to discontinue calls & provide written statements for resolution to this issue.
Consumer complaint received 2022-03-30
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.
Consumer complaint received 2022-03-30
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: CARD Corporation (OK)

On XX/XX/22 XXXX XXXX XXXX XXXXharged my card XXXX for services I never had I filed a dispute on XX/XX/22 it was closed I sent in documents from the company to CARD.com on XX/XX/22 and my case was still not reopened or even look at again
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OH)

I made a compliant to FHA in XXXX regarding Wells Fargo Home Mortgage refusing to accept payment. After FHA investigated Wells Fargo agreed to resume accepting payments to bring the account current. I have been consistently making payments and payment agrrangements while I was waiting for my divorce to be completed, which Wells Fargo reports was an issue. I signed a Release Of Information for Wells Fargo to speak with my attorney to confirm the divorce was pending on XX/XX/XXXX. Wells Fargo allowed me to make payment arrangements which was paid on time. The last payment they accepted was on XX/XX/XXXX, and I made payment arrangements for XXXX, XXXX, XXXX payments. Wells Fargo did not pull the XXXX XXXX, XXXX payment nor the following payment arrangements I discovered on XX/XX/XXXX. When I called to ask why, they informed me that the agreement for payments was revoked and they have a Cease & Desist on my account that has been active for 10years and updated in XX/XX/XXXX. I never signed a Cease & Desist and requested a copy of this alleged document several times with no success. I was informed I could terminate the C & D either verbally or in writing but when I verbally terminated the C & D they are not honoring it. Then when I spoke with representatives today XX/XX/XXXX, I was told they attempted to pull XX/XX/XXXX payment but the account was NSF, which contradicts what was told to me previously. Not to mention the money is in the account and I used the same account with all my previous payments. I believe they are purposely trying to keep my mortgage in arrears and using fraud as a deceptive predatory practice. I faxed them a copy of my final divorce papers from the XXXX XXXX judge that addressed the home and Wells Fargo confirmed receiving it. But they are still refusing to allow me to make payments stating they have a Cease & Desist even though no representative can view the actual Cease & Desist form that they alledged I signed.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have been contacted by Capital One Debt Collection several times beginning XXXX XX/XX/2022 claiming I need to answer their questions. A phone number that is mine was tied to a account of a person I do not know. The company has called 12 times or more, even after I stated I was not the targeted person. They have threatened legal trouble and to contact law enforcement for fraud because my phone number was used. They aggressively stated I needed to give my name and threatened to have this treated as criminal matter, which would have immense negative effects on my profession. They refuse to stop calling and are out of line. The phone number is XXXX.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (AR)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified 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 ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-08-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Schreiber Law LLC (ME)

The credit collection for my XXXX XXXXXXXX credit card account was bought by Schreiber Law LLC- XXXX XXXX Attorney at Law who violated Federal and State Statutes trying to collect a debt by the following : They had me served a false small claims district court complaint veiled as legal legitimate court paperwork without a docket number by a XXXX XXXX XXXX XXXX XXXX XXXX when No such documents were actually filed at XXXX XXXX district court both actions are considered against the law under the unfair debt collection acts in the Maine Revised Statutes Annotated & United States Federal Code via false representation of legal action and the intimidating use of a legal court officer sheriffs deputy by being served papers to intimidate me that werent actually filed with the court and do not have a docket number listed on the forms. The deputy XXXX XXXX who served me papers first left his card on my door Friday XX/XX/2021 noting he was here to serve me civil paperwork as the reason for his visit. I then texted with him 4 times he wouldnt disclose any information over the phone which had me wondering and worrying until i got served by him on monday XX/XX/2021. I have all the false court documents and discovery paperwork with my personal information relating to the account, deputy XXXX XXXX business card with handwritten date and his phone number with text messages as proof of these deceptive and false representation debt collection practice acts and violations of the XXXX and XXXX [ ch 109-A Title 32 Chapter 109A Subchapter 2 section 3 subsection I ] stating the violation of unfair practices by using or employing any officer authorized to serve legal papers in the collection of a claim I also printed out the statutes and highlighted each section that could apply to my unfair and deceptive collection acts violation claim against Schreiber Law LLC located in XXXX, Maine.
Consumer complaint received 2022-03-30
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. (IN)

I sent a notarized dispute via certified mail to Equifax about an account that is reporting as a result of IDENTITY THEFT and Equifax has failed to delete it within the 5 day period. Equifax is in violation of my consumer rights! XXXX XXXX XXXX illegally shared my personal information with XXXX. I have no contract with mercantile nor have I ever had any contact with XXXX  whatsoever. XXXX then initiated a inquiry on my consumer report that I did not consent to. No consent is IDENTITY THEFT. I would also like to state that I never gave Equifax my written consent to report this information. Equifax is in violation of 15 usc 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report this information. No consent is identity theft. If Equifax does not delete this account immediately I intend to file a identity theft affidavit against Equifax. If Equifax wishes to continue to do business with me they should delete this account immediately.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

My credit card ending in XXXX with Chase is overpaid by over {$3000.00}. I initially made a {$3000.00} dollar payment to XXXX XXXX in XXXX XXXX Florida for a down payment to car which I later returned. XXXX refunded the {$3000.00}. On the same day I made a payment to XXXX, I also made payment from my checking account in the amount of {$3500.00} to cover the payment to XXXX and any other balance on my card ( I usually keep a zero balance on my credit cards ). The result of the XXXX refund and my {$3500.00} resulted in a balance due me of over {$3000.00}. I called Chase, my credit card bank to request a refund back to my checking account. The supervisor assured me the refund I requested was going to be put back in my account ( {$3300.00} ). I was made aware to made aware today XXXX when I called Chase after a XXXX minutes wait on the phone that the supervisor only requested a {$200.00} refund which has still not been processed instead of the {$3300.00} I requested. I was also told due to the mistake made by the other supervisor I will have to wait twice the time to receive my refund ( over {$3000.00} ) which is a negative balance due me from my card ending XXXX. I asked when the turn around time was and the supervisor told me that he does not know a turn around time. My question is, how come I am being punished to to Chase mistake of not initially processing the request I made correctly by holding money from my checking account? Secondly the money came from a Chase checking account which the credit card department can verify so what is their problem? By sitting on over {$3000.00} of my money are they going to pay interest?
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has failed to respond to my initial dispute in a timely manner. it has been more than 30 days from my initial dispute and I have yet to receive any response. Transunion is in direct violation of the FCRA on multiple accounts including but not limited to sharing my non public personal information, furnishing a report without my consent or written authorization, Furnishing inquiries on my report that are not tied to any open extensions of credit or authorization from myself and assuring the MAXIMUM possible accuracy of the information pertaining to me and my consumer report. Transunion is in direct violation of the FCRA section 604A ( 3 ) ( a ), 15 USC 1681 ( B ) ,15 USC 1681e ( B ), 15 USC 1681B ( a ) ( 1 ) ( 2 ) ( 3 ) -a, and 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ).
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, while attempting to use a Bank of America ATM ID XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the machine did not distribute cash but my account was debited {$200.00}. 

I immediately called BofA and filed a dispute, after which I received a temporary credit that was reversed out on XXXX XX/XX/year>. BofA claims the cash was distributed from the ATM. I have repeatedly requested, including in writing, that they pull video of the transaction that would clearly show the ATM machine did not distribute any cash.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

My wife and I went through Loan Depo for a refinance. Loan Depo choose XXXX XXXX to complete the appraisal process for XXXX XXXX XXXX We called to schedule an appraisal but were told by a representative from XXXX XXXX to go online and schedule. So we went online to schedule the appraisal but weeks went by before we heard back from anyone to confirm the appraisal date and time. we had to call XXXX XXXX many several times and still no response from the appraiser or when the appraisal would take place. Finally, the Lender contacted XXXX XXXX, and we contact a supervisor to get a response. Finally, we heard back from the appraiser. The appraisal was scheduled in two days and completed on XX/XX/2022. Two days before the appraisal deadline was set to expire per Loan Depo. The appraisal come back weeks later and we found many inconsistent issues with the report. So we contacted the appraisal company and asked the representative to ask the appraiser to answer some of the concerns we had just to understand why he used the information on the reports as he did since the report did not provide detail. As well as, to understand and get clarity. We again have no response. So we drafted a letter of our concerns and sent that to Loan Depo. Loan Depo put in a request to XXXX XXXX and the appraiser did not address any of our concerns.
Consumer complaint received 2022-03-30
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. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (PA)

sun west mortgage company is the holder of my first mortgage on my property. i went into forbearance due to layoff from covid shutdown. as i am coming out of forbearance they did present me with some options, one was a loan modification but they did not provide the documentation requested by my second mortgage holder for a subordination ( XXXXXXXX XXXX XXXX ). XXXX XXXX XXXX denied the request for subordination due to delinquency, but i was delinquent due to forbearance under the cares act and the second reason was that sun west did not provide the proper documentation. 

when the subordination was denied sun west immediately moved into the foreclosure process asking for {XXXX} due by XX/XX/2022. this is a federally backed loan by XXXX XXXX  and it is my understanding that federal backed loans will not be asked for payment in full i have made payments in full to both companies since my forbearance ended and am ready willing and able to continue making payments on my home but the current situation is i will be forced to have my home foreclosed on or sell if i do not take out another loan to cover the mortgage balance. 

something seems off here and i can not understand why both companies would rather see a foreclosure rather then just work something out and have me continue to make my payments. 

i think i need some help.
Consumer complaint received 2022-03-30
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. (PA)

I have 3 items on my credit 1 from a company called XXXX. Who claims I had a cell phone that I never purchased and never knew about. After supplying proof over the past 7 years and nothing has been removed from my credit. 
Also after opting out of Transunion reporting, Transunion lowered my credit score using old inaccurate information to punish me for opting out to lower my credit score by XXXX points. 
Also my score has been going up despite those items on my credit report prior to me opting out of the reporting practice of Transunion. 
I feel its an abuse of power and retaliation for my opting out of all prescreening and other marketing information being sent to me every day. Before I opted out of Transunion, my score was XXXX. Immediately after opting out, my score was lowered to XXXX. 
My credit score was just over the past 12 months has gone up while and despite those items being on my credit for years. Also my credit had already been adversely affected twice from those same items, so how many times can they drop my score for the same items. If I was penalized once for those item by dropping my score years ago. Why are they dropping my credit score again since I already was penalized for those inaccurate reporting? 
I feel its unfair reporting and retaliation for my opting out of there reporting system.