davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This bank is difficult to get updates. I just called and they told me they could not give me any updates except that the file was in XXXX. I message the negotiator everyday in XXXX and do n't get a response for 2 weeks. My client is getting stressed out an the buyer is anxious. We have a signed atp and I am not sure what is taking so long.
Consumer complaint received 2016-09-09
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NM)

I sent money to XXXX via MoneyGram at XXXX online. Got the confirmation and reference numbers. At XXXX she was denied the money at the location. The bank branch said the confirmation number was no good and that MoneyGram was not in the system. She went 3 times after I had called 3 times and still no money to be picked up. I kept talking to reps who were unfamiliar with the English language. Every rep I spoke with had no solution. Finally I resent money via another carrier and she got the money. I decided to cancel my transaction online and I also decide to call again. I told the rep that I am calling to report fraud. He thought the fraud was by the receiver of the funds. I said no, your company and he was silent. While talking to him I was reading emails and I got one from Moneygram confirming my cancellation. I told him never mind I just received an authorization. He said I did n't because its not in his system. He later confirmed my request and verified it. I told I have been reading about MoneyGram and their FTC fine and XXXX compalints about fraud within their company. People are not getting their money back within 3-10 days for various reasons. I ask him why does Moneygran take my money immediately but ca n't return it immediately? I asked him where is the money. He blamed it on the bank in XXXX, XXXX. He also let slip from his mouth that he said I or the bank had a different confirmation number. The bank never got a confirmation number according to the bank but he said the number was incorrect! Since they were fined for fraud within the company this brings to you, this panel. Now I fear if I wait this out 3-10 days it will just get worse. Without help ....
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

For the winter of XXXX, I purchased my home heating oil from XXXX. 

I was on a monthly billing payment of {$290.00} I terminated my business with them in the spring of XXXX ; at that time I was credited back {$290.00} for an automatic payment that had already been made. 
Shortly thereafter, I received a bill from XXXX indicating that I had a balance of {$290.00}. I contacted XXXX and indicated that I did not believe that I owed them any money, and requested that they send me a detailed accout of my purchases and payments for the XXXX season ; this information was never received. 

Within approximately two ( 2 ) weeks, I recieved a demand for payment, in the amount of {$290.00}, plus an {$88.00} fee, from the collection bureau of the hudson valley. I again contacted XXXX in XXXX and again requested a detailed accounting ; again I did not receive anything. 

I then received, from the collection bureau of the hudson valley ( cbhv ), a demand for payment in the amount of {$680.00}! 

I spoke with XXXX at CBHV, indicated the discrepency between the alleged amount due from XXXX and the {$680.00}, and I again asked for a detailed accounting of my account. 

I received from XXXX a listing of payments, credits and oil deliveries for XXXX only ; I did not receive an accounting for the entire heating season. 

I contacted XXXX and indicated that what was sent to me from XXXX was incomplete. In addition, while still disputing the amount of {$290.00} that XXXX originally billed me, I asked him to explain why a final demand of payment from XXXX of {$290.00} was now {$680.00} ; XXXX could not explain this discrepency. 

I informed XXXX that I was again requesting a detailed accounting of my account with XXXX from XX/XX/XXXX through the end of my relationship with XXXX in the spring of XXXX. 

I further informed XXXX that if I did not receive such information within two ( 2 ) weeks, I would pursue my complaint. 

To summarize, I am disputing any amount due to XXXX, whether {$290.00} or {$680.00} until such time that I receive adequate documentation that I in fact owe any money. 

It is also my impression, which I shared with XXXX, that I believe CBHV knowlingly, and with malice, intentionally increased the alleged amount due from {$290.00} to {$680.00}
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (NH)

XXXX XXXX XXXX My husband and I applied for a loan through Amerisave Mortgage Corporation and received a pre-qualification letter. 
XXXX XXXX XXXX We made an offer on a property in XXXX NH XXXX XXXX XXXX The purchase and sale agreement was signed by both parties. 
XXXX XXXX XXXX I brought the {$20000.00} deposit check, to be held in Escrow, to the seller 's real estate agent. 
XXXX XXXX XXXX The home inspections were complete on XXXX XXXX 2016, my husband and I were told by the bank that they had all the documents they needed. 
XXXX XXXX XXXX test results received. 
XXXX XXXX XXXX Received the appraisal report, however, since the appraiser did not complete both lots on the property and was required to complete both. ( Which was finally complete on XXXX XXXX, 2016 ). Amerisave continued to communicate stating all they were waiting on to close was the completed XXXX appraisal, and the fire chiefs signature for safety of the wood stove. 
-- -- -With this information we pushed past the original closing date of XXXX XXXX, XXXX -- -- - On XXXX XXXX, 2016 XXXX XXXX from Amerisave told us that they could not approve the loan due to our debt to income ratio being too high. My husband and I own XXXX properties in NC ( both have tenants ) We had moved all of our personal belongings ( which are still in storage ) We are now stuck without a home, and are staying with friends. 
The sellers had moved out and sold most of their furniture, our storage POD at the property had to be moved so the sellers could put the house back on the market. The sellers have hired a lawyer to keep our {$20000.00} deposit. 
Now due to Amerisave 's incompetence my husband and I are going to lose our {$20000.00} deposit, the {$890.00} spent on home inspections, the extra {$1000.00} to move our storage POD back off the property so the sellers could put it back on the market.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Transunion refused to delete these fraudulant inquiries. I have tried for months and months and the keep appearing. Can you please remove these from my file XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Penn Credit Corporation (IL)

I received a call at XXXX CT XX/XX/XXXX, the representative only stated a portion of the Mini Miranda disclosure, I asked to speak with a supervisor and she said the same Mini Miranda. They did state they were attempting to collect a debt, however neither stated they were a debt collector. The supervisor stated they are not required to say that.
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo loan officer XXXX XXXX breached her fiduciary duty and gave me a bad loan 10 years ago with a fixed rate of 6.75 % with no amortization. It is obvious she was looking after only her interest in gaining a big bonus for getting me into a bad loan. In retrospect, the loan I had before I refinanced the property was a better loan. The loan officer refinanced me with new bad loan with a fixed interest rate of 6.75 % interest with no amortization. The loan was also not covered by either XXXX or XXXX XXXX so I can not refinance under the HARP program. I originally purchased the property for {$490000.00} and the property is now only worth around {$420000.00} and I do not have enough equity to refinance the {$370000.00} loan. 
During the past 10 years, I have complained to over twenty Wells Fargo loan officer about the bad loan. For over 10 years, I have lost over {$1000.00} each month on the property because my loan payments have been around {$2500.00} per month, but my rental income was only about {$1500.00}, and I could not refinance. I will be XXXX years old in XXXX, and we rely solely on our modest social security and XXXX pension incomes for our survival so this bad loan has created an extreme hardship and a real nightmare on our limited budget. 
My loan is finally scheduled to reset in XXXX XXXX when I understand my current interest rate of 6.75 % could drop to a lower variable level and there would be amortization. I would like Wells Fargo to accelerate the reset date as soon as possible before XXXX XXXX so I can get immediate relief from the negative {$1000.00} per month negative cash flow. My wife and I both have XXXX scores above XXXX so we are very responsible in paying our bills. We have also been loyal Wells Fargo customer for over 50 years when we purchased our first home in XXXX with a Wells Fargo mortgage. 
Any help you can provide would be deeply appreciated. 

XXXX Cell : XXXX
Consumer complaint received 2017-01-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (CA)

Company continues to contact my place of employment after several times telling them to not call my job. Receptionist always answers and lets them know I can not have phone calls " personal or personal business matters '' ( which I have none if its personal it is not a business matter ). They continue to call. Then the caller gets rude with the receptionist and goes as far as giving personal information to confuse the receptionist in order to have her transfer the call.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion had a Computer Breach in their system that violated the rights of their consumers Under sections 6.11. I have been gravely affected and my score is suffering as a result. 
This computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. 
The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. 
I have Spoken with multiple Reps of TransUnion and they all acknowledge that the Security Breach happened multiple times in 2016 but they refused to fix their error in my credit report. 
I am requesting that the reinserted inquires be permanently removed from my credit report. 
I Demand the following inquiries to be removed immediately 1. ) XXXX XXXX on XXXX/XXXX/2016 2. ) XXXX XXXX XXXX on XXXX/XXXX/2016 3. ) XXXX XXXX XXXX on XXXX/XXXX/2016
Consumer complaint received 2016-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

i have been contacting Transunion for over a month trying to get inaccurate information deleted from my files. I checked my credit on XXXX XXXX, 2016 on the XXXX site and had a total of XXXX hard inquires removed from my report. I checked back on the XXXX site on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without anyone notifying me about the reinsertion letter as required by fcra section 611. I 've made numerous calls ever sinced this matter occurred. And could n't get help from anyone. I requested several times to be transfered to the fraud department or an US reprensentative. Keep getting the run around. Many of them had nasty attitudes. Many said they knew of the situation, but oh well. Take it as a loss. Said to file a complaint because they were n't going to help me, and hung up. This happened several times.
Consumer complaint received 2016-11-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (CA)

Please reverse the {$34.00} NSF fee as it was a duplicate of the other {$34.00} fee, that is, you assessed two NSF fees for the same exact thing, which was that your decision to suspend my Citibank Custom Credit Line without any notice or awareness by me and moreover, for no reason that anyone at citibank customer service can explain, put me in the position of being unable to simply move {$56.00} from my {$32000.00} credit line to make the {$76.00} payment clear. I could have completed that the same day the overage occurred, XX/XX/2016 if you had not suspended my credit line 5 days earlier without my knowledge. I had told your staff before I left that I was going to be in Hawaii for a week, where as you know there is NO Citibank branch in all the XXXX, so I was completely helpless to do anything EXCEPT move the money from my Custom credit line the same day to my Checking account -- the one avenue I had available to remedy the shortage -- but you had cut that off, again for no reason at all and without my knowledge or awareness until I tried to use it on XX/XX/2016 and found that I COULD NOT. I called your Customer Service number and spoke to a total of six different Citibank CS personnel throughout the whole day of XX/XX/XXXX, being passed around from one to another, so that I was on the phone for hours, repeated to each agent that I was in Hawaii ( which they could see by the phone as I called from my hotel room land line at XXXX ) and that I needed to be able to move the money from my Credit Line to my checking to cover the overage. No one could help me ; they EACH said they could NOT UNDERSTAND why my Credit Line was even suspended in the first place five days earlier. I had NEVER done anything wrong or against the rules, or even imprudent, nor made a late payment -- so why was it suspended just when I was away from home, on travel status, in Hawaii where there are no Citibank branches, and then suspended so I could n't use it? For this reason, that I was powerless to do anything about the overage due to Citibank 's sudden and unknown to me, secret disabling of my account for no reason, actually 5 days earlier -- that I incurred the overage in the first place. If you had not done that, I would have been able to move the funds and not incur an overage or NSF situation. THat Is why the remaining {$34.00} NSF needs to be reversed, just as you already reversed the other one. THank you.
Consumer complaint received 2016-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (NC)

I sold a property and have a signed contract on another property in accordance with XXXX Tax free exchange guidelines. A credit report was authorized on XXXX/XXXX/2016 as part of my pre-approval process. I applied for an investment loan on XXXX XXXX, 2016. I provided all requested documentation for the loan application. The loan package went to underwriting on XXXX/XXXX/2016. The loan was approved on XXXX/XXXX/2016 and is attached as documentation. Appraisals, pest inspections, home inspections, insurance, attorney work, title work, etc. are all in process or completed. Closing was set for XXXX/XXXX/2016. The underwriter requested additional existing loan documentation which I provided on XXXX/XXXX/2016. The next day which was the day before the closing was scheduled I was told that the loan may be denied because I have more than XXXX loans and do not fit into the guidelines. I did however receive a loan estimate on XXXX/XXXX/2016, so, I thought the issue was resolved. On XXXX/XXXX/2016 they said they will deny the loan and for me to look for an alternate loan provider. Their XXXX hour denial has placed me in a position of losing : the house purchase, my escrow money, my prepaid purchase expenses, my time and effort, AND the substantial XXXX tax consequences since I can not identify or purchase additional property within the strict XXXX Tax free exchange guidelines. I have provided full disclosure on my position and they have mishandled this loan application.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I asked for a investigation previously on my account so I'm asking for help with these XXXX accounts. 
XXXX XXXX- account number XXXXXXXX XXXX XXXX XXXX XXXX These account are reporting incorrectly the information in these account are incorrect and i have information to prove it.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Upon checking my credit report I notice fraudulent accounts that I didn't authorize. These fraudulent inquiries were not authorized by me and they are in violation of my FCRA rights. 

These are the following inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting 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)

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple personal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX XXXX XXXX a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), and a personal installment account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of XXXX XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and addresses appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.