davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: CORELOGIC INC (PA)

This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : PXXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$12000.00}
Consumer complaint received 2023-02-28
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: BARCLAYS BANK DELAWARE (CA)

This is an addendum to initial COMPLAINT ID # XXXX submitted on XX/XX/2023. The fraudulent charge of {$76.00} was denied being charged by the vendor in XXXX, refunded on XX/XX/XXXX ( no thanks to Barkleys ) to the original card ending in XXXX, by XXXX XXXX, XXXX ( see attached invoice ). The XXXX account was closed by Barkleys in XXXX as they deemed the {$76.00} a fraudulent charge.To date, and after several long phone calls, they have not been able to link the refund to the new account number they issued and are charging us interest and late fees. The fact Barkleys fraud branch lacks the intellect and expertise to manage and investigate their own Rewards Program is a telling indictment on the creditability of the entire corporation. The incompetence and ineptitude demonstrated by this group is something I have never experienced previously. They do however, excel in victimizing the victim. I was victimized by their inability to discover the origins of the fraud charge during my two months of investigating. I was further victimized by adding a late fee to the fraudulent charge, then an interest charge and finally being reported to the credit bureaus for failure to pay the fraudulent charge. They are outstanding at piling on the victim, but offer no helpful assistance whatsoever! This is text-book worthy failure. I recommend Barkleys contact XXXX XXXX  for instructions on how to conduct fraud research!
Consumer complaint received 2024-10-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC (WA)

I received a notice of servicing transfer in the mail from XXXX XXXX XXXX dated XX/XX/year>. It said on XX/XX/year> they would stop accepting payments and the new servicer Selene Finance will start accepting payments. And that nothing else about my mortgage loan would change. However, now that my loan is under Selene Finance, they are saying that I am 8 mortgage payments delinquent and my amount due for my mortgage statement on XX/XX/year> was {$33000.00}. In a letter from Selene dated XX/XX/year>XXXX  it says they did not receive payment of {$2600.00} and that my loan is in default. And it says the total amount owed to bring the loan current as of the date of this letter is {$22000.00} or risk potential foreclosure of the property. I have proof of payments that I have made to XXXX XXXX for over 2 years but I have no idea what they have been doing with my payments. Now the late fees just keep multiplying and Selene Finance is saying they don't have all the information from XXXX so they don't know what is going on either. On a call with a representative from Selene Finance, I asked what we should do if they don't receive all the documents from XXXX and we don't get this issue resolved, and she said I should file a lawsuit. This is outrageous and I feel like we are being targeted as VA homeowners. I also sent in my regular payment of {$2600.00} for XX/XX/year>XXXX  and it was rejected by Selene Finance and returned back to my checking account. I am trying to make my regular payments so they don't keep adding late fees on but now they won't even accept it and I was not given any reason why. No letter, call, or email was sent to me. I fear they are going to try to take my family 's home and leave us bankrupt.
Consumer complaint received 2023-02-28
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. (CA)

XXXX XXXX Account # XXXX has violated my rights by : 15 U.S.C 1681 Section 602A : states I have a right to privacy. 

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions. 

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request. 

I have no knowledge of this alleged account and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. Proper consumer practices were not adhered to and proper notification was not complied with either. Please REMOVE immediately.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX provided they verified bankruptcy # XXXX with the US Bankruptcy court - Nevada  also XXXX Bankruptcy # XXXX XXXX claimed was verified directly with US Bankruptcy court state of Nevada  this is an error or a lie!!! I also contacted the Fraud department at XXXX  who sta
ted verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! XXXX has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in 2017 which was XXXX!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682 Sincerely XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The three nationwide credit reporting agencies ( NCRAs ) Equifax, XXXX and XXXX announced significant changes to medical collection debt reporting to support consumers faced with unexpected medical bills. As of XX/XX/XXXX, paid medical collection debt will no longer appear on credit reports. And the time period before unpaid medical collection debt appears on your credit reports increases from 6 months to 1 year. This extension provides additional time to pay off medical debt before it appears on credit reports. The NCRAs will no longer include medical collections debt under {$500.00} on credit reports. 

Equifax Report : XXXX XXXX - Last Reported on XX/XX/XXXX - Balance {$150.00} XXXX XXXX XXXX - Last Reported on XX/XX/XXXX - Balance {$190.00}
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I continue to receive countless letters, phone calls, and inquiries on my credit report from Portfolio Recovery Associates , LLC, despite the fact that this debt was not only false to begin with, but Portfolio Recovery Associates , LLC continues to send letters and conduct unauthorized inquiries on my credit report, as recent at XX/XX/2023 even though the alleged false debt is outside of the statute of limitations and is considered to be time-barred. I have sent a certified letter demanding they immediately stop contacting me in any way, as well as demanding they stop the inquiries on my credit reports, as this is unauthorized and illegal, according to the Federal Trade Commission.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Systems International, Inc. (TX)

On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (KY)

XX/XX/2020 the amounts are the following : {$31.00} and {$81.00}. The company stated it takes 5 business days another stated it takes 4 business days for pending transaction to remain in pending but the bank information states 3 business days. The representative was asked to released the {$31.00} because it will not be shipped due to the Covid 19. They refused. This has happen several times with this bank causing NSF in my account. The bank representatives was read the disclosure verbatim and was told were to find the disclosure.
Consumer complaint received 2024-10-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX, I entered into a contract on a property and subsequently applied for a loan with Wells Fargo online on XX/XX/XXXX. I was assigned a loan officer named XXXX, who is based on the XXXX XXXX, and we first connected on XX/XX/XXXX. During our initial conversation, I completed the application and sought guidance on locking in an interest rate. XXXX advice was vague, stating it was XX/XX/XXXX, so I decided to consult other professionals before making a decision. 

I confirmed my intention to proceed with the loan on XX/XX/XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX I left a message for XXXX expressing my desire to discuss locking the rate. Unfortunately, XXXX did not return my call until the following Monday, XX/XX/XXXX, by which time the interest rates had increased from 5.1 % to 5.5 %. XXXX informed me that Wells Fargo does not keep records of past rates, preventing him from confirming the rate on XX/XX/XXXX. I requested that the situation be escalated due to the lack of response, but after a week and a half, Wells Fargo refused to backdate the rate lock, forcing me to lock in at 5.625 %. 

Throughout this process, I had to consult with XXXX other loan officers who provided valuable advice that XXXX had not offered. I also discovered that the increase in the interest rate had raised my Debt-to-Income ( DTI ) ratio, putting my loan approval at risk. XXXX did not inform me of this risk and instead added {$8000.00} in buy-down points to lower the rate and keep the DTI in line, despite my initial refusal to buy down the rate. 

As of XX/XX/XXXX, one day before the original closing date, I still do not have underwriting approval. The underwriting process only began on XX/XX/XXXX, despite my application being submitted on XX/XX/XXXX. There has been no communication regarding a new closing date, causing significant planning issues for the seller and listing agent. After being assigned a new loan officer, I learned that several errors had been made throughout the process, leading to significant delays. 

Despite numerous attempts to escalate my concerns and speak with managers, I have received no responses to my calls or emails. I feel taken advantage of and misled, as the lack of timely communication and poor advice have forced me into a higher payment on a loan that was already at my maximum budget. I am now at risk of losing the house due to these delays. Additionally, there has been no communication between my lender and real estate agent, adding to the emotional and financial stress of this process. I believe my loan has not been processed efficiently or correctly, resulting in higher rates and fees, and it seems that no one at Wells Fargo is willing to help.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

I recently filed a claim # XXXX for credit not posted. The merchant cancelled my online order/deposit and sent me an email confirmation that I would be refunded, however I never received the funds. I opened a dispute with Chime to get help recouping these funds, and was given a temporary credit. 

I sent over all the necessary documentation to Chime ( including a screenshot of the email from the merchant confirming all of this information ) which should have been an easy win in my favor. Instead, Chime emailed me correspondence from the merchant claiming the charge was valid and made by me because I have an account and made previous transactions. This has nothing to do with the claim reasoning, as I have done business with the merchant and the charge was not fraudulent - the reason for the dispute was credit not posted due to a cancelled purchase. 

Chime has abruptly closed my claim and deducted the temporarily credited funds from my account, making me negative and unable to use it. I will be appealing this decision with Chime, and Im opening this complaint to hold Chime accountable during this process so there are no more abrupt closures, as theres no reason why I have lost this claim. I need my documentation attached to the claim and reviewed by the investigators, my negative balance replenished with a final credit, and this dispute closed in my favor with the evidence provided.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

On XX/XX/2023 a payment was made via Zelle at XXXX XXXXXXXX XXXX. The payment was for {$470.00} but was sent to a number with a XXXX digit error. That error allowed the money to be sent to a person that was not shown when I submitted the payment, the payment showed the correct person. I have all the information for that person and I told the dispute team of that information. Yet they reversed the charges ( {$470.00} ) initially but after an alleged investigation they have now denied that reversal and taken the funds from my account. I have screen shots of the woman who received the money, her XXXX, XXXX, XXXX, and I know where she works. I have her phone number ( obviously ) and left her a message, as well as sending messages via text, email, XXXX. 

From what I read this error in a phone number should be covered by regulation E. Yet I doubt seriously any real investigation took place since zelle can just say it was my mistake and not invest any serious time or money into the matter. And I am out the money XXXX woman who should not been allowed to receive it since it didn't match the woman 's name that the payment was intended for.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COMMERCE BANK (KS)

On XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Commerce Bank account to a fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Commerce Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Commerce Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Commerce Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Commerce Bank was in compliance with its own policies and procedures ; ( v ) whether Commerce Bank owed duties to myself, what the scope of those duties was, and whether Commerce Bank did not uphold those duties ; ( vi ) whether Commerce Banks conduct was unfair ; and ( vii ) whether Commerce Bank has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

I already have disputed this account multiple times for the last 7 months and there has been no any response after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (TX)

These inquiries are fraudulent and unverifiable. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Listed below are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (NY)

contacted XXXX XXXX XXXX XXXX to report that my apartment had been robbed in XXXX XXXX  and Id filed a police report. I also explained that I had additional hardships due to the COVID pandemic and a recent car accident, and that prior to the robbery which occurred in XX/XX/XXXX, I had made timely payments and my account had been in good standing for over 2 years. I was told by a XXXX XXXX customer service representative that I qualified for emergency assistance and interest accrual could be paused/ no payments would be due for 6 months. Assuming theyd keep their word, I used the money I was planning on using to pay off my XXXX card to pay off all my other debts and relace my cell phone/ laptop which had been stolen during the robbery. My decision to use my savings to pay off debts and replace my stolen belongings was 100 % a result of my assumption that XXXX would honor their promise and that I had 6 months to save up more and pay off my XXXX XXXX card. However, a few months later when I went to check my account, I noticed that XXXX XXXX had closed my card due to non-payment. After calling XXXX XXXX, I was informed by customer service staff that there was no record of my call on XX/XX/XXXX there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. I requested to speak with a supervisor and who told me theyd be able to assist, and after 2+ hours on hold, they hung up on me and never called me back! After that, I was no longer able to access my XXXX account online to make online payments, and calling to make payments sometimes took HOURS. As a result, I got even further behind and my interest kept accruing and now, XXXX years later I owe more than I did back in XXXX Prior to XXXX XXXX I had an impeccable credit history and record of timely payments, but after XXXX closed my card, my credit score dropped significantly and I havent been able to get out of hole they put me in.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (TX)

The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.