davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (CT)

On XX/XX/XXXX, I received a text message from Veterans United Home Loans saying that I started my home loan process with them. I checked my email account and saw two emails from Veterans United Home Loans, one of which also stated that I started my home loan process. I contacted them immediately to tell them that I did not do anything with them and I am not in need of any home loans. They said that they believe someone who worked with Veterans United Home Loans got my information from the VA and put my information into the system. This is not ok, and I have no idea how far they are going to go with this or exactly how much of my information about me they took from the VA. This organization is not ethical and is possibly criminal and I am very concerned that they will start stealing more information from me to either sell to other parties or start processing loans with my information. Please help me stop them
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NH)

Citi Bank sent me a credit card last XX/XX/2021. I have attempted to close it and they will not as I will not supply them with my Social Security number. I never had opened this account and I have been attempting to close it. I recently received a bill from them for use of the card. I was in touch with you folks back last year on XXXX XXXX when I submitted a claim. That ID number was XXXX. This issue needs to be resolved. I have sent Citi Bank a letter as I will not deal with them on the phone any more. This is credit card fraud as I am being held accountable for a credit card I did not apply for.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I opened a Citibank Priority checking account with a promotion {$1000.00} cash deposited balance after 81 days per their website and promotion online. Depending on the amount of funds you deposited. Mine was {$75000.00} and I would receive a {$1000.00} deposit after I met the requirements. On XX/XX/XXXX I met the requirements of the promotion and have called 3 times and spoke to XXXX and managers and they keep telling me they have 90 days to deposit. This is not what their website said when opening the account. I called again on XX/XX/XXXX and was told 30 days and I called again XX/XX/XXXX and was told 90 days by the XXXX person and her XXXX at XXXX. They are in breach of what their online advertising says and under most pretenses most customers would just wait. Pursuant to their website of them having 30 days to deposit the funds. They are gaining my interest off me and therefore pushing their obligation to me ie the bonus to even out their funds. This is wrongful and therefore I wish these promotion items to be investigated. The consumer should not have to full fill their obligation but the banking institutions get by using our funds for their gain and not full fill theirs.
Consumer complaint received 2022-11-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

I received notice I am in default of my mortgage for non payment from XXXX XXXX of 2022. However, the company sent me proof they have received my payments and put them in unapplied. I have paid every month.
Consumer complaint received 2022-11-26
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. (UT)

I went to apply for a car loan at a private dealership and they did several inquiries without my permission. Checked my credit report and found dozens of others Here is the list : 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 2022-11-26
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

IT HAS COME TO MY ATTENTION THAT IN XXXX MY EXISTING VETERANS ADMINISTRATION LOAN WAS REFINANCED WITH A COMPANY BY THE NAME OF XXXX XXXX XXXX. THEY DO LOANS UNDER XXXX XXXX XXXX XXXX XXXX SECTION 8 HOUSING & SUBSIDIZING. I UNDERSTAND MY VA LOAN CAN NOT BE SOLD TO XXXX XXXX  OR XXXX XXXX UNDER THE XXXX XXXX GUIDELINES. AS SHOWN IN THE DOCUMENT THAT WAS SENT TO ME. THE DOCUMENT # XXXX FORM XXXX. THIS TELLS ME THAT MY VA LOAN IS TIED UP IN A SUBSIDIARY CONTRACT PER SAY AND NOT UNDER THE XXXX XXXX XXXX CONTRACT AS IT SHOULD BE UNDER FEDERAL LAW. THESE ARE MY FINDINGS FROM THE RESEARCH THAT I HAVE DONE. I HAVE ALSO SENT THESE FINDINGS TO THE CFPB OFFICE. I HAVE BEEN PAYING {$1000.00} '' XXXX OF DOLLARS OF PRINCIPAL PAYMENTS TO BB & T/TRUIST AND I HAVE REALLY BEEN MAKING SUBSIDIZED PAYMENTS TO MY MORTGAGE TO BB & T NOW TRUIST, AND THIS IS WHY MY MORTGAGE PRINCIPAL BALANCE HAS ALMOST BEEN THE SAME AS WHEN I STARTED IN XXXX, JUST PAYING MOSTLY INTEREST. THIS IS REALLY A SERIOUS MATTER. YOU CAN'T PASS THIS OVER TO BB & T CAUSE THEY MERGED OVER TO YOU. THIS REALLY UPSET ME AS A VETERAN TO HAVE MY HOME LOAN HANDED TO SOMEONE TO MAKE MONEY FROM ME AS A SECTION 8 TENANT. I PAY {$500.00} AS A PRINCIPAL PAYMENT AND {$450.00} OF THAT IS GOING INTO THE POCKETS OF ONE OF YOUR CLIENTS, AS THE SERVICE ACCOUNT HOLDER IS REALLY XXXX XXXXXXXX.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian continues to leave outdated addresses on my credit report. I've repeatedly said that the XXXX XXXX XXXX XXXX  XXXX address is outdated and needs to be removed. See attached.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

I did debt consolidation with XXXX XXXX XXXX. A settlement was reached with XXXX XXXX and now Wells Fargo is still adding interest, late fees and this was supposed to have stopped once a settlement was agreed upon. According to XXXX XXXX XXXX a settlement was in the amount of XXXX something dollars and now the balance is showing {$7500.00}. The credit reporting is showing that we are not paying and that were in collections which needs to be corrected because Wells Fargo is getting paid through XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

They are always changing the for overdraft from companies that I have asked them to block.afer I have paid them off so this is causing a problem with family sending me money that money is food and other items so I am thinking about closing wells Fargo all together I am tried
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (GA)

I've already sent out my dispute letters with proof that the credit reports were false and needed to be disputed between XX/XX/XXXX - XXXX. Unfortunately, Equifax is not doing a good job investigating because I specifically sent proof that it was taken off from other credit reports such as XXXX and XXXX. Even XXXX shows that XXXX of them was wiped and deleted from them recently. I don't understand why they can't just do a simple investigation instead of waiving it off like its nothing.
Consumer complaint received 2022-11-26
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. (FL)

I did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec.1681 ( a ), ( c ) -2 you must complete this reinvestigation within 15 days of receipt of this letter.
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I was selling a furniture set on XXXX marketplace with a pricetag of {$700.00}. A XXXX user displayed interest in the product and messaged me. On XX/XX/2022, he asked for my Zelle contact information to supposedly pay me- phone number and email, which i gave to him. He stated that he had already deducted {$700.00} from his account and sent me screenshots of this alleged payment. However, zelle only allows for a transfer of up to {$500.00} and i was fooled into thinking that if i would deposit what came out to be an extra {$400.00} ( through XXXX separate transactions and XXXX different emails, all linked to the same scammer ), my Zelle account would be upgraded and i would be able to receive the pending funds of {$700.00} as well as get my deposit of {$400.00} refunded. 
This did NOT occur, and i never got my money back. I realized that the man had scammed me, but there is no way to receive my money back
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had already repaired. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or correct the account from my file. 
XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

Hi I purchased a new car from XXXX loan application with Wells Fargo. Everything was fine XXXX Covid-19 comes around Started getting a lot of phone calls from my bank saying you have to make a payment or agreement to a payment plan. This went on for a couple of months ( while still paying my car note on time on the XXXX th of every month. I was able to get a hold of someone and all said the same thing you have not payed youre car note ever since you got the loan in XX/XX/XXXX its now XX/XX/XXXX. I showed them drafts of my bank with payments of the amount every month to weeks Fargo they said its has to be another account you gave that you are paying for we need our car back now!! They send people to knock on my door to get vehicle they would call and HARASS ME AND MY FAMILY AT HOME AND ON THE PHONE. 
Finally XXXX day they just took my car and thats the end of it they wanted the whole loan in full or they where selling my car. I told them sorry I dont have {$36000.00} To pay for car they said well made you should not have been buying a car. I was like wire is this how you do business they said yes and we will bill you for the abbot you owe. Its been XXXX  years since then and no bill no amount do. I still want my car or my money back with my down payment that I paid. I am out money and no car with a big headache and worried about a big bill coming in the mail that I have to pay that was not my fault. Please help thanks its wells Fargo fault.
Consumer complaint received 2024-11-05
Product: Credit reporting 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. (NY)

I would like to dispute the following errors on my credit report ive noticed several inquiries on my credit report that I did not authorize. please investigate the following inquires which are affecting my XXXX XXXX and standing. the following are 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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (RI)

During the closing of our purchase of our home ( XXXX/XXXX/XXXX ) I enquired why there was an escrow put on the mortgage since we were putting down 20 % of the purchase price. The mortgage initiating company, XXXX XXXX, agent explained that it was purely optional and that they could change the final forms but it would delay the closing date. They also told us that we could at any time in the future ask the mortgage servicing company to cancel the escrow account and that they would do it. MY wife did not want to delay the closing so based on the explanation from the XXXX XXXX agent, I understood that I could cancel the escrow account any time. On XXXX XXXX, XXXX, I wrote to OCWEN who now services the mortgage to cancel the escrow account because I wanted to pay the insurance and taxes myself. OCWEN declined my request in a terse letter that explained nothing. When I called them to ask for an explanation, they said that their policy is that I must have 25 % in equity in the house before they cancel the escrow account. I explained to them the promises made by the agent at the time of the closing. OCWEN refuses to honor the intent of the contract that we signed based on the explanation provided to us.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money, and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I purchased a XXXX monitor from a website that was originally named XXXX, they now changed their name to XXXX. I was charged a total of {$840.00}. It was months until I asked about my product after going back and forth I decided to ask for a refund. I was sent a text message and email on XXXX. XXXX claiming that my money was going to be refunded in 20 days. The phone number was XXXX ( XXXX ) XXXX. After nothing was returned I would continue to go back and forth with company reps claiming that theyre doing their best to help. On XX/XX/XXXX I spoke with my bank to file a refund claim they denied it due to not being within 60 days of the original transaction date. A couple of days after I filed the claim, the fraudulent website emailed me saying the item was in stock if I would like to place an order for one.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-11-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION (FL)

I have been making loan payments on time until I got XXXX and had an issue with getting payments in due to the sickness. Made them aware and still got a late payment in XX/XX/2022. Then as I look on my credit report they closed the account and Im still making payments even though in XXXX and XXXX there were hurricanes being the issue and had to make a choose but when all was clear I still made the payments to bring it current every time and I have XXXX final payment of about XXXX dollars and they have not reported none of it but yet shows accounts closed when how is it closed when payments are being received and account is in good standing.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN HONDA FINANCE CORP (NY)

Approximately XXXX my report was completed I disputed the negative incorrect inconsistencies item with XXXX XXXX XXXX as of XX/XX/2021 the amount an dates on this item is incorrect at the above date.
Consumer complaint received 2022-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC. (OH)

I went to the XXXX of XXXX where I was in need a vehicle. While there I was told the only thing I could get into was a used car that was priced at XXXX or so maybe XXXX I gave a XXXX down payment and was put into a loan for XXXX. While at the dealer I had concerns about the vehicles operating conditions the motor had a tick the side mirror power motor was messed up which almost let me to get into a accident and a couple of other things. While knowing I just jumped into a XXXX loan I was told because the car was sold as is that I only had 3 days to fix any issues with the vehicle. When I left the dealer I took the car to a mechanic who told me that the pistons on the motor were done at that the vehicle was not worth getting into the next day which was day 2 of having the vehicle I took it back to the dealer where they did a check and told me everything was fine but that they would fix the side mirror. Not believing them I took the car to another mechanic who told me the motor was done as well after the dealer told me the 1st and 2nd day that the car was fine. For months I struggled with a car that drove with hardly any power and had a loud tick and was burning oil quicker then quick I wrote letters to the dealer made complaints to XXXX made complaints to XXXX with no solutions other then I had to take it to the same XXXX dealer that told me everything was good and Pay for a diagnostics out of pocket for them to do anything for me. In the end I was given a coupon for XXXX towards a down payment of a new car that I couldnt even use because my credit score did not allow me to have a new vehicle. The monthly payments were about XXXX the insurance was XXXX I was stuck with a car that would need a motor and a XXXX loan. I dont think that what was done to me was fair nor was it right I was taken advantage of and lied to and pressured into buying the car and believing that it was the right choice I also have XXXX kids that this car made me go into a financial hardship. The dealer was negligent after being tired of the car driving poorly I stopped making the payments and I volunteered to surrender the car where the loan company took 4 weeks to pick it up off the side of the road and they resold the vehicle for XXXX and left a XXXX remark on my credit score
Consumer complaint received 2022-11-26
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: Upgrade, Inc. (LA)

Following up the previous complaint XXXX. I had a refund missing for weeks and since the complaint I was finally able to see the transaction backdated to XX/XX/XXXX that says " Post Payment {$100.00} '', however my balance prior to the refund was already {$0.00}, if the refund was processed correctly I should've had negative {$100.00} on the card. I reached out to support multiple times and was told the refund to be sent to the upgrade checking account by XX/XX/26, at the time of filing complaint the refund is not in my card balance or bank account.
Consumer complaint received 2018-10-04
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: EQUIFAX, INC. (GA)

I did not apply for a XXXX XXXX XXXXXXXX XXXX account or any account related to them on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX Credit Card on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX account on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Please remove it from my Equifax credit report immediately. 

I did not apply for a XXXX XXXX Credit Card or any card related to them on XX/XX/XXXX. Please remove it from my XXXX credit report immediately.