davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-26
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)

Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 
Each bureau lists a different high balance amount. Experian $ XXXX {$0.00} /XXXX   {$2200.00}. How is this possible? How is this accurate? 

Each bureau lists a different open date. Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. How is this accurate? 

There should be no past due amounts on a closed and charged off account yet Experian lists a past due amount of {$2200.00}. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!
Consumer complaint received 2019-01-26
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)

Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$1400.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$1.00}, XXXX. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had a personal loan with XXXX XXXX XXXX that was a bad debt I owed XXXX . On XX/XX/2018 I sent a payment of XXXX to the bank to settle the account. XXXX and XXXX changed the balance to XXXX $ while Experian did not I have disputed this account on my credit report with Experian for the 4th time now and Experian is still showing a balance of XXXX $ even after I sent them a copy of the check that was made out to XXXX XXXX XXXX.
Consumer complaint received 2019-01-26
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. (TX)

I CAN NOT believe that TransUnion is STILL reporting the account XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can TransUnion verify inaccurate information as accurate? By law it is TransUnions job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XXXX and XXXX. I am challenging this account for the third time. 

I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Transunion lists a past due amount of {$530.00}. How is this accurate? 

Each bureau lists a different open date. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX/TransUnion XX/XX/XXXX. How is this accurate? 

TransUnion lists that the last payment was made on XX/XX/XXXX yet the payment history shows that the account was paid satisfactory from XX/XX/XXXX-XX/XX/XXXX. How is that possible if the account was charged off? How is this accurate information?
Consumer complaint received 2019-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have two mortgages with Bank of America. I have been trying since XX/XX/XXXX to refinance both of them. The loan # s are XXXX at 8.99 % and the other XXXX is interest only right now. They total XXXX. Due to circumstance I have fallen behind on payments. I also have first mortgage with a different lender XXXX which is XXXX current and escrow is also current. I have a high debt to income. I do not want anything taken off. I want to pay all I owe. I would like them to combine at thirty years with a lower interest rate. Right now anything I pay they take as interest and late fees. They have sent me several packets I fill out the paper work and fax it back. So far I faxed it back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. All I receive back are robo calls? 

Please help with this situation. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2019-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

They called my cell phone at least 15 times over a few days before I finally answered to see who they were and what they wanted. It was Midland credit management after some arguing back and forth they asked if I would verify with them, the last 4 digits they had for the debtor .... after verifying that the last 4 numbers of the social they gave to me I told them it does not match mine and they seemed satisfied. I did not think I would hear from them again. Now my wife is receiving phone calls from many different numbers of theirs ( she XXXX  the numbers ) now they have sent mail stating we owe XXXX  XXXX XXXX  to our newly built home, not sure how they got our address when they never bothered us at our prior home. 

We have a few XXXX XXXX accounts and have spoken to customer service who has said that there is nothing wrong with our accounts. Our credit files are spotless. There is no need for this harassment. 


Harassment is coming from Midland Credit Management XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX
Consumer complaint received 2019-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/2019 I mailed a letter, through USPS Certified Mail, to Portfolio Recovery Associates, LLC, which they received XX/XX/2019, and explained that the account they are reporting is due to Identity Theft. Ive also included FCRAs Notice to Furnishers of Information and they still ignored it and from my understanding the are breaking the law  by continuing reporting this fraudulent account to credit bureaus. They updated my credit report with the following remark ; Dispute Resolved : Customer Disagrees on XX/XX/2019. This is a fraudulent account and Portfolio Recovery ignored my Identity Theft letter and are currently still reporting on my crdit report for {$170.00}.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NY)

My XXXX payments are loaded on to a XXXX XXXX debit card managed y Coamerica Bank. On XX/XX/XXXX i was notified of a transaction in the sum of {$900.00} made at XXXX XXXX XXXX in XXXX XXXX NY. I called immediately on XX/XX/XXXX to report this fraudulent transaction as i live in XXXX  ny and have never even been in XXXX XXXX NY ( near XXXX XXXX XXXX ). They told me that they could not open a dispute until the transaction cleared. I called the following day at which time the transaction had processed and I could file a dispute, dispute number XXXX. I cancelled my card and they issued a new card via XXXX  for a charge of XXXX, They also said i needed to complete a fraud questionnaire which i promptly completed on XX/XX/XXXX and sent back to them by fax on XX/XX/XXXX and mailed by usps certified mail return receipt. They said on XX/XX/XXXX they fad not received my fax and i sent it to them again on XX/XX/XXXX. I called customer service and i seem to get the runaround. This was a totally fraudulent transaction. 
I am looking for a provisional credit. This my social security XXXX money and this is how i live and pay my bills. Please help.
Consumer complaint received 2019-02-14
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The company has failed to respond to the fact that they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I demand DELETION of this derogatory account from my credit file ( s ) with any or all credit agencies ( XXXX, XXXX, XXXX ). As this company has violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now REMOVE the item they are currently reporting. Any other action ( or in-action ) on their behalf will result in a small claims action against their company.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The company has 2 files they are reporting to their clients. One report with no changes and one with some changes. 
I'm sending the incorrect balances showing on my reports as attachments. In results of the errors is showing incorrect fico scores to all that views my report!
Consumer complaint received 2019-01-28
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (FL)

Wife and I took out reverse mortgage XX/XX/XXXX. American Advisors Group submitted fraudulent documents and took my name off deed .Wife died XX/XX/XXXX .Submitted required docs. to AAG XX/XX/XXXX was told by phone everything was fine. Problem arose with home owner ins.around XX/XX/XXXX per AAG .Home could not be insured because of damaged roof. I pointed this out to XXXX XXXX upon home inspection XX/XX/XXXX .He submitted fraudulent documents and told me it was no problem. All funds from loan were used to pay off 2nd mortgage as per AAG, and wife 's funeral expenses. I appealed to AAG to help with roof repair that I could not afford in able to insure home. There were funds set aside for home repair at this time. They explained to me I was not on loan or deed to property and home was in forecloseure. They have refused to speak to me or help me in any way since then. I am seeking to reinstate deferral period and mortgage. XXXX XXXX XXXX XXXX has also been unethical and fraudulent and home is in foreclosure in amount of {$190000.00}.
Consumer complaint received 2019-01-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

loan XXXX Ocwen is the servicer and refuses to help modify the interest only loan that was given erroneously years ago. 
It was a bad loan from origination. 
I've sent in requests over and over again Ocwen is pulling my credit without my authorization causing my credit score to decrease. 
I have never given them authorization to check my credit score
Consumer complaint received 2019-01-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (IL)

on XX/XX/XXXX I applied for a personal line of credit with Wells Fargo in the amount of {$30000.00}. After applying I received a message that my application was under review. a few minutes later I received a text message from Wells Fargo 's automated system indicated that my loan was conditionally approved and that I needed to sign into wellsfargo.com/status for more details. When I signed into the website and clicked on the application it asked me to agree to digitally signature. I went through the process and and agreed. The system then told me that my line of credit request was approved conditionally upon signing the credit agreement which stated that my line requested was for {$30000.00} and my approved amount was {$30000.00}. It also indicated that my apr was 13.25 % variable. Once I reviewed the document ( several pages long that indicated all of the terms and conditions of the line of credit ) I got a pop up message that said " Congratulations you application has been fully approved ''. 2 hours later I received another text message from Wells Fargo that said my application was declined. I logged back in and reviewed the information provided. Still holding in hand a document that stating that my line approval was for {$30000.00}. I called Wells Fargo and asked for more details. They said there was a known glitch in there system. I asked to escalate as I already signed a legally binding loan agreement with them online that said the loan terms and conditions were non-negotiable on the bottom of the documents. When speaking to the supervisor, he indicated that this was a known glitch that the system was approving tons of people who did not qualify for the lines of credit since they migrated to a new platform months ago. I told him that I had a signed a legally binding contract with wells fargo for this line of credit and that this was UDAAP & Fair Lending issue. It would be one thing to deny the application but since the application had already been approved and the contract signed/executed that this was unfair and deceptive. He said there was nothing he could do and offered to transfer me to there executive office. There executive office opened a case on XX/XX/XXXX number XXXX. I was told this would be resolved within XXXX days. We are now more than 30 days out and I have not even received a phone call from them. I did receive a letter dated XX/XX/XXXX from a XXXX indicated that they needed more time to investigate and that I should be contacted no later than XX/XX/XXXX. Wells Fargo has failed to meet there commitments at every turn in this process. They are in clear violation of UDAP, UDAAP, and fair lending laws.
Consumer complaint received 2019-01-28
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: DISCOVER BANK (UT)

I made a purchase on Discover credit card for {$6000.00} to XXXX. The total amount paid to XXXX was {$31000.00} on XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem of services not being met on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time my problem was just ignored about the problem of services not being met. I was never able to talk with the owner. I was promised certain outlined items they would not provide and a guarantee if I did certain outlined items the company would stick with me until I made my money back. The company XXXX was shut down on XX/XX/XXXX by the Minnesota FTC for being a scam. The government froze all their assets. I have sent paperwork, invoices, contract, guarantee, multiple letters explaining the situation to Discover card. XXXX from the executive office reviewed the case. My request was denied. No specific reason was given. I was never asked for more paperwork to prove my claim. I received 2-3 letters and emails that were generated from a standardized form. When I contacted XXXX about those letters and emails he said he did not send them that they were just sent. That tells me that no one is really reviewing my case. The dispute committee is sending random letters and emails that they have no permission to send. These actions by Discover card are unprofessional. The dispute committee also took a week to get paperwork to XXXX that I had faxed. If I hadn't of followed up every week with XXXX he would've never received all my documentation. I still don't know if all my paperwork was received by Discover card because every time I asked XXXX for specific work he never answered me. This is so unprofessional and has caused me great XXXX. I still owe {$31000.00} to credit cards that were used to pay XXXX. I never made a penny on the services they provided in fact I ended up with {$5000.00} more in debt trying to do the program the way they told me to do it. Why should I have to pay for a company that is a scam and be left with thousands of dollars in debt. Discover card said they would provide a fair resolution. Zero is not a fair resolution. Thank you
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WI)

Citi credit card allowed an unauthorized purchase on my LOCKED credit card last month. After Citi refused to do the right thing, I cancelled my card to make sure this could not happen again. Well today Citi allowed this same merchant to charge my account again, this time with the CANCELLED CREDIT CARD. They are once again refusing to remove the charge. THIS IS FRAUD.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am filing a complaint concerning a very misleading promotional mailer sent to me by Bank of America on XX/XX/XXXX, offering the opportunity for me to consolidate my debt and transfer any balances I have to my Bank of America XXXX XXXX  XXXX '' Visa Card. The letter offered two options ; either zero percent interest until XX/XX/XXXX ; ot 1.99 % interest until XX/XX/XXXX. The letter said, " Choose the offer that's right for you. '' It seemed like a good deal, and on XX/XX/XXXX, I decided to accept the offer of zero percent interest, using a check included in the mailer to transfer a balance of {$8400.00} that was on a different credit card. 

On XX/XX/XXXX, in reviewing current charges to my XXXX   XXXX credit card statement, I noticed that in addition to the balance transfer was a separate transaction fee of {$250.00}. Not understanding what this was for, I called Bank of America on XX/XX/XXXX, and spoke with a representative, who informed me that this was a 3 % fee that that bank charges for these balance transfers. 

The mailer that prompted me to accept this offer was very misleading and deliberately attempted to hide the fact that a 3 % fee would be charged. The mailer consisted of an offer letter on page one, followed by a page two that included the checks, and details of the promotional offer. 

The main promotional offer letter made no mention of the fee. It positioned the offer as " 0 % '' interest until XX/XX/XXXX. It said nothing of the 3 % charge. In reviewing it again after the incident, I did find on page two a single line mentioning the 3 % charge, but it was buried at the end of a legal description of other terms and conditions. At the very bottom on the letter, there was a box that listed general terms, and mentions the 3 % fee, but it is not clear this fee applies to this special promotion. 

I am generally an educated consumer. It was clear to me that Bank of America sought to mislead me and others. The reality was that this wasn't a zero percent offer as advertised at all. It was a 3 % offer. 

To date, despite repeated efforts, I have not been able to get Bank of America to waive the fee, or even agree to allow me to repay the {$8400.00} and reverse the transaction, something I would be happy to do. I request your intervention to secure a refund this fee, or the opportunity to reverse the transaction completely.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I tried to buy a washer and dryer at XXXX XXXX in XXXX Arizona on XX/XX/2018 and the store said that they could not get the information from Experian.We tried many times calling to XXXX with no help.The reference number is XXXX and the report code is # XXXX.XXXX XXXX number is XXXX.This is not the first time that this has happened and was very embarrassing.