davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am a XXXX XXXX XXXX. The insurance proceeds for my total loss totaled approximately XXXX XXXX over the mortgage owed to Wells Fargo for mortgage. After being lied to for almost 3 years about being able to re-build I decided to pay off Wells Fargo. I had to send 4 checks, total approximately {$200000.00} over mortgage pay off. 2 checks were stale and I had to get ca.fair plan insurance co. To replace those checks. Wells Fargo acknowledged receiving the new fresh checks, said they would be sending me {$180000.00} in the mail within 10 days. They did not. Now they dont know where my money is. They are a bank! They had the completely updated checks on XXXX XXXX. They were going to research it and get back to me by XX/XX/XXXX. Now I just got another fed ex letter saying they needed until XX/XX/2023. This has delayed my ability to rebuild. I am XXXX XXXX XXXX with a XXXX XXXX and we are living in temporary housing on our burned out property. The temp permit from county could run out and well be homeless all because Wells Fargo lost my money. Wells Fargo made over XXXX off interest with my mortgage. I was never one day late in payments. If I over draw my account by XXXX dollars I get 10 phone calls, emails and a hefty fine but they can steal my entire insurance amount for my burned house total loss to XXXX XXXX? 
They are violation page 6, line 16 of their deferred prosecution agreement for the XXXX XXXX civil case so CEOs should be going to jail for breach of this agreement. This is fraud. Their entire system give it another case number with an executive office case specialist ( with no last name ) and XXXX XXXX  down the road, all while they research where they stashed your stolen funds. It is set up to defraud and in fact is defrauding me. Please help.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Ive been with Bank of America for years and they have always constantly charged me more then once 35 on transaction canceled if I could not get over to the bank to deposit more money
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX my account was with no funds, and my monthly {$2500.00} gym membership was deducted and Bank of the west charge me {$3500.00} overdraft fee that was not authorized. Because when I open this account the XXXX ask me what I would like to do if was no funds. And I opt to don't charge me overdraft and simple decline the transaction. They didn't right and don't honor it. I already tried to solve with the bank but nobody answer me.
Consumer complaint received 2019-01-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore states that the payoff was good until XX/XX/2018 and had it been received the sale would have been rescinded. They continually skirt these complaints with half answers. THEY PICK AND CHOOSE WHAT THEY WANT TO ANSWER!!! 

THE PAYOFF LETTER WAS MAILED TO ME ON XX/XX/2018 I DID NOT RECEIVE IT UNTIL AFTER THE SALE??? SO PLEASE INSTEAD OF AVOIDING THIS QUESTION TELL ME HOW I WAS TO PAY IT OFF IF I HAD NO FIGURES UNTIL AFTER THE SALE THE FORECLOSURE SALE DEED SAYS {$100.00} IF THE HOUSE WAS NOT SOLD FOR {$100.00} WHY DOES THE DEED SAY {$100.00} RUSHMORE CONTINUALLY IGNORES THE PROOF OF NON SERVICE WITH DOCUMENTED PROOF OF DIFFERENT ADDRESS THEY KEEP ATTACHING PROOF OF SERVICE TO INCORRECT ADDRESS THOSE ARE JUST A FEW OF THE ILLEGAL ACTIONS IN THIS FORECLOSURE CFPB IS SUPPOSED TO PROTECT THE CONSUMERS HOW DOES THAT OCCUR WHEN YOU ALLOW THEM TO JUST SKIRT ANSWERS AND NOT EXPLAIN THE REAL QUESTIONS
Consumer complaint received 2019-01-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (WI)

To Whom It May Concern, On XX/XX/19 I received a letter from Radius Global Solutions, a collection agency in XXXX, FL, on behalf of XXXX XXXX XXXX. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to Radius on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through XXXX to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from XXXX stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that XXXX had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called Radius on XX/XX/19 to find out what as going on and they indicated that this was coming directly from XXXX. After calling XXXX to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get XXXX to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that RADIUS GLOBAL has been great to work with. My issue is only with XXXX XXXX XXXX XXXX! 

Best regards, XXXX XXXX XXXX XXXX Radius Global Solutions Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-01-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

The bank 's security department has frozen my online access and is demanding some very unusually technical steps on my part to restore service. I can not access my checking or savings online or use bill pay. This decision is being implemented and rendered by a back office in XXXX.
Consumer complaint received 2023-07-24
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: Credit Corp Solutions Inc. (FL)

I have sent several request to the credit bureau and have not received a response. This is not my debt. This is a credit error. Its affecting my credit and I have been denied a home loan. Please assist in removing this credit error
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have incorrect increase showing on my account when I had a freeze and on my three credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX  XXXX and XXXX which is XXXX XXXX XXXX XXXX XXXX they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then five years ago I've always had a freeze on all three of my credit reports even XXXX XXXX  and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my credit score at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!
Consumer complaint received 2024-10-26
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: EQUIFAX, INC. (PA)

Im seeing unauthorized inquiries on my credit report that I can not explain. My regular check brought up discrepancies that left me confused and worried. I tried refreshing my browser just in case it was a temporary glitch, but theyre still there. Please, I need these documents reviewed thoroughly so I can avoid further stress and have complete peace of mind.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.
Consumer complaint received 2023-07-24
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. (GA)

I dispute the inaccurate reporting status on an individual closed XXXX XXXX account, which is adversely affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off or Written Off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misrepresenting my credit history and causing harm to my creditworthiness. I want to emphasize that the closed account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is essential for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of this closed individual XXXX XXXX account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off.I do appreciate your attention to this matter and look forward to a timely resolution. If you require any further information or clarification, please feel free to contact me. 
Thank you for your prompt action in resolving this dispute.
Consumer complaint received 2019-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I was assured by the dealership salesman verbally that two monthly promotions would be applied to the price of the vehicle. I was lured in by the discount but it was subsequently not applied in the sales documents and when I asked about it before completing all signatures on the loan, I was once more verbally assured that it was applied. Upon looking at my forms AFTER signing, I was told that I had already signed the forms and there was nothing to be done. I bought the vehicle ABOVE the MSRP that even Toyota corporation listed. Toyota listed MSRP at {$41000.00} and the dealership sold it to me at {$45000.00}. ( This before taxes, fees, etc which brought loan to {$56000.00}. ) I have been trying to reach dealership personnel in person, phone and email and they do not respond.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I looked at my paid XXXX subscription today and I notice that a closed collection account that was once posting a {$970.00} dollar balance currently shows {$3800.00} due and a 514 % credit utilization SUDDENLY. This account has been closed for years and is currently in dispute. I will include a copy of the letter upon which they have been sent. I recently paid off {$330.00} on my past due XXXX and I had an 11 % utilization yesterday. I need to get a new vehicle and other things and these erroneous and fraudulent reporting schemes used by these companies are making it very hard for me to get my life off of the ground. What on earth could I possibly have done to ever owe someone {$3800.00} when I have never even had a credit card that would give me that much money to get into that much debt with. Please do something about this non-sensical reporting.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX Nc Last 4 of SSN:XXXX Date : XX/XX/XXXX I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows.

Validation of Debt and HIPPA. Authorization Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FIDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the prov of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing them to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute listed below. 

XXXX XXXX XXXX XXXX Balance : {$2000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-01-16
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)

TransUnion is not reporting the Date of First Delinquency associated with an account on my report. 

This account is more than 8 years old, and it has already been settled. This is a blatant attempt by the creditor/ debt collector ( THE BUREAUS ) to Re-Age this account. 

I first contacted TransUnion regarding this matter by mail on XX/XX/2018. Despite further contacting TransUnion, as well as the creditor on numerous occasions, both in writing and by telephone, neither have provided a Date of First Delinquency as required. Had TransUnion conducted a proper investigation of this matter, it would come to light that this account is 1 ) over 7 years old ; and 2 ) has been closed/ settled with the original creditor. 

This matter is a case of a creditor 's shameless attempting to Re-Age a debt which is time-barred for reporting under the statute of limitations.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX account under the email address XXXX was created without my knowledge or authorization, I did not authorize any transactions initiated from this XXXX account. Additionally, my signature was forged on a XXXX package sent for the {$5000.00} transaction referenced in this affidavit, I did not receive any XXXX package or benefit as a result of this transaction. Lastly, online banking credentials have been compromised as the address listed is XXXX XXXX XXXX XXXX XXXX MI XXXX and phone number listed is XXXX, neither of which is my accurate contact information.
Consumer complaint received 2023-07-24
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: JPMORGAN CHASE & CO. (SC)

Bank has resolved the case and notified on my account as credit issued, but they did a mistake while processing the credit as removed temporary credit accidently they thought it was a double credit by ignoring earlier rebill on XX/XX/2023 ( {$1200.00} ) XX/XX/2023 : XXXX temporary credit XX/XX/2023 : XXXX rebilled after dropping the dispute as per communication, but problem has not been resolved the dispute, so once again it was disputed, so bank again processed temporary credit on XX/XX/2023 : XXXX temporary credit for re-dispute than bank resolved the case in my favor and notified on line credit issued, but while doing that they ignored the rebill on XX/XX/2023 ( XXXX ), then they removed my temporary credit as double credit with XXXX rebill on XX/XX/2023 XX/XX/2023 : XXXX rebilled by ignoring XX/XX/2023. 
Conclusion : Credit twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( XXXX ) and rebilled twice on XX/XX/2023 ( {$1200.00} ), XX/XX/2023 ( {$1200.00} ). 
Now the bank is saying we have send it back to XXXX and we will not be able to continue because the funds were already returned to the merchant, so contact them, so I contacted merchant, XXXX, but they denied.
Consumer complaint received 2018-02-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION (VA)

XX/XX/XXXX, I received a mortgage from BB & T. During this time, the appraised value of the home was {$280000.00}, based on square footage that was overstated on the appraisal by 1,251 square feet. This gross error was not discovered until after non-responses by BB & T 's mortgage ( for the lower rate that was stated of 3.875 % ) and I'd gone to another financial institution to refinance in XX/XX/XXXX. The other financial institution, XXXX, ordered an appraisal and now it's been determined there was a measurement error and the value of my home is upside down by a tremendous amount. After multiple attempts of left messages and emails with BB & T, I found a complaint email address and send my letter via email. I've attached my letter, along with the letter of response by BB & T. I responded to BB & T with a copy of the XXXX appraisal that was mentioned in their response letter. I've not heard anything back from them. In essence, they are stating they need another mortgage application and for me to pay for another appraisal. I do not feel in any way that I should have to pay even more money and re-apply for a mortgage they already hold that was handled inappropriately.