davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I faxed my documents to Equifax XX/XX/2019 to prove my identity. I called back XX/XX/2019 approximately XXXX XXXX  to follow up and reached a person name XXXX in Equifax 's XXXX ' office ( as XXXX said ) who first said he did NOT receive my documents, but then said he did. Then he asked me to verify the information on my documents, which I successfully did. 

XXXX then said 'suddenly ' the documents are now NOT LEGIBLE. I asked how is that possible when we just verified the information on the documents. 

I tried to get my credit report before and they constantly create road blocks and obstacles to prevent the consumer from getting access to our Credit Report. I noticed several other consumers have stated the same uncooperative experience on your message board. I have done all that is required to receive my credit report and this is being denied to me. 

I have experienced this same obstacle dealing with another XXXX office with my U.S. student loans.
Consumer complaint received 2022-07-01
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. (TN)

The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy rights.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OR)

On XX/XX/20 I applied for a mortgage to refinance my home. On XX/XX/20 I received a loan estimate for a loan amount of {$270000.00}. at 2.375 %, 2.553 % APR. 30 yr. term with .766 % origination fee and {$3500.00}. for broker compensation. 
This was to close on or before XX/XX/20. That didn't happen because someone told the appraiser the the appraisal was due on XX/XX/20. On XX/XX/20 I received another loan estimate that stated the same as the above estimate, with the insignificant exception of 2.555 % APR. On XX/XX/20 I received the closing disclosure that had changed to 2.891 % origination fee and {$2800.00}. broker compensation, with an APR of 2.702 %. At first I was told that this was because the rate had expired. I protested and the loan officer agreed that this was not my fault and that it would be taken care of. He talked to the lender again and I was then told that it was because I was getting cash back. Nothing had changed on my part from the estimate on XX/XX/20. The loan officer talked to his supervisor and they agreed, and stated again that this would be taken care of. 
It is now 4 weeks past the original closing date and my loan officer says he is still waiting to hear back from the lender. 
The lender I refer to is : Quicken Loans XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX and the XX/XX/XXXX. is : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX The loan officer is XXXX XXXX and his supervisor is XXXX XXXX XXXX It's my belief that the loan officer and supervisor are doing what they can, but Quicken doesn't seem to be communicating in a timely or honest matter. I've been working on this for two and a half months now and have paid for an appraisal. I don't want to start this process over again with someone else. I would like to get this closed with the loans terms that were agreed upon.
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (CO)

I opened an account with Bank of the West a couple of months ago. The manager of the local branch was extremely rude to me and made veiled threats to make sure my deposits weren't made available to me. Her representative cursed at me, screaming " XXXX XXXX! '' at me because I told him he was being rude to me. Later, I tried to complain to the bank and I was met with apathy and more rudeness. I was extremely irate - this isn't about a lunch order - this is about a bank employee making me feel threatened and unsafe having my money in her hands. The Executive office said they'd call me back in 3 days. They never did. Instead, they sent me a letter that called me abusive and said they did nothing wrong. Today, I tried to use the ATM at that branch and it took my card. The branch manager wouldn't even try to retrieve it and said I can't have it back until next Tuesday. Again, she was rude. I questioned whether she was denying me my card because I had complained about her. She said she didn't even remember me. I reminded her that her employee cursed at me. She then started yelling and saying it didn't happen. I yelled back that he admitted it. She then threatened to set me up for fraud and have my account closed. I did file a complaint with the bank, but, considering how they responded the last time, I doubt I'm going to get any sort of authentic response from them. This branch manager has threatened me and my account twice now. She also told me that NO MATTER WHAT, that employee that cursed at me would not be fired. I asked her why - I couldn't think of any other reason that someone would protect someone like that unless they were sleeping together. She went ballistic and now she refuses to give me my card back. I don't want this woman to have access to my account. She's threatened to set me up for a crime. I don't trust Bank of the West to do the right thing. They keep calling me, their customer names, and excusing their employees who cursed at me and threatened me. That's insanity.
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (OR)

To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I opened checking account with XXXX Bank on XX/XX/XXXX and deposited XXXX XXXX since then I am unable to use any of my funds because someone at the local branch placed a hold without explanation. I requested to close the account on XX/XX/XXXX over the phone and refund of my money. The bank charges monthly fees every month for XXXX $ and wont let me use the account and wont close the account either per my request. I would like to close this account with routing # XXXX XXXX # XXXX. Also I would like a refund of total funds deposited in the amount of XXXX XXXX 
Thank you XXXX XXXX
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

The statement : You have received a bonus for opening a Wells Fargo XXXX XXXX  account within the past XXXX  month can be correctly interpreted as : You have received a bonus for opening a Wells Fargo XXXX XXXX  account which you opened in the past XXXX  month This is how I interpreted it, grammatically and syntactically proper and correct, which is confirmed by the government ambiguity resolution recommendations XXXX XXXX XXXX XXXX and how the other banks interpret the same statement ( attached ) https XXXX XXXX XXXX  legal To be eligible for bonus offers, you must not have opened the same credit card product and received a bonus in connection with account opening within the last XXXX  months. For example, if you opened a XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, and subsequently received a bonus in connection with account opening, then you are ineligible for an account opening bonus on any other XXXX XXXX XXXX XXXX XXXX opened before XX/XX/XXXX, subject to other terms and conditions '' This interpretation was also confirmed as the correct XXXX to me by XXXX Wells Fargo bankers which I state as the truth and only the truth.
Consumer complaint received 2020-12-31
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX LETTER OF REBUTTAL REF : XX/XX/XXXXXXXX XX/XX/2020 I dont agree with the outcome of the billing investigation on account ending in XXXX for the charges, associated with Amazon including but not limited to {$93.00}, {$87.00}, {$100.00}, {$250.00}, {$270.00}, {$250.00}. 

During the period of XXXX through XX/XX/2020 Ive managed to place several orders via amazon.com. Among those there were 6 items Ive had to return due to incorrect website description in fact they looked very different from what had been described on amazon.com therefore Ive requested a return for a refund completely withing Amazon Prime 30 days return policy. Request had been approved and RMA assigned. 
The items have been stored into 2 boxes and shipped via Amazon-issued UPS  return labels a ) XXXX ( delivered on XX/XX/2020 ) ; b ) XXXX ( delivered on XX/XX/2020 ). 


As of XX/XX/2020 both of the packages with 6 items included were successfully returned back to Amazons facilities, located in XXXX, IN & XXXX, KY, respectively. Even though the items were returned in timely manner and within Amazons terms and conditions, appropriate refunds werent issued, therefore Ive filed a billing dispute, which was rebutted by the merchant, claiming they didnt have any record of returns requested and never received any packages. 

In the attachment you would find Amazon-issued return shipping labels with references to the returns and RMA altogether with UPS-issued information, proving that the return was fulfilled. Therefore, Im kindly asking to reinstate the investigation and credit back {$93.00}, {$87.00}, {$100.00}, {$250.00}, {$270.00}, {$250.00} to my Chase Freedom account. 




Kind regards, XXXX XXXX XXXX
Consumer complaint received 2020-12-12
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: EQUIFAX, INC. (NY)

I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. XXXX  has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. XXXX  's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. Equifax and XXXX  have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are removed.
Consumer complaint received 2023-06-12
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. (CA)

On XX/XX/2023 I was charged {$44.00} dollars by XXXX  *XXXX XXXX XXXX, XXXX for XXXX seatbelt extenders. 

I returned these back within 10 days, receive a partial refund in the amount of {$26.00} and a partial refund from Chase in the amount of {$3.00}. 

I've probably called Chase XXXX times to get my remaining {$17.00} back. Over the last 60 days. 

Their off share workers are incapable of accomplishing this simple task. 

Partial Credits issued ( but still {$17.00} to be made whole ) : XX/XX/2023 XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/2023  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

A modification package was sent to Ocwen on XX/XX/2019. On XX/XX/2019 a representative for Ocwen, XXXX ID XXXX confirmed a complete package and we were told 30 day review for decision. On XX/XX/2019 the loan was transferred to PHH and the entire package was sent to PHH via fax. XX/XX/2019 a representative for PHH, XXXX ID XXXX confirmed a full modification package and we were told we were back in underwriting review. Subsequent follow up calls on XX/XX/2019, XX/XX/2019 and XX/XX/2019 we were told that the file was in underwriting review. XX/XX/2019 a representative for PHH, XXXX ID XXXX, advised that a letter was coming asking for an additional 30 days to review. Per XXXX the investor requested the additional review time. XX/XX/2019 status update call also confirmed we were in underwriting.On XXXX XXXX a status call had PHH requesting updated 30 days of paystubs, no supervisor was available and I did not receive a call back. XXXX XXXX the paystubs were submitted.Calls on XX/XX/XXXX and XX/XX/XXXX we  were told that the paystubs were illegible and there was another bank specific form requested, submitted XX/XX/2019. On XX/XX/2019 a supervisor was available, ID XXXX, and we were told we would be back to underwriting the following week. On XX/XX/2019 I spoke to supervisor, XXXX ID XXXX and was told that XXXX XXXX denied the modification, when asked why they kept collecting document, no one knew.XX/XX/2019 a research request was opened to see what was going on. The research request was never received. Documents continued to be collected until we were told we were back in underwriting as of XX/XX/2019 and looking for investor approval. As of today, XX/XX/2019 PHH is still requesting documents. We would like an explanation for the length of time this file has been in loss mitigation and the decisions made by PHH and XXXX XXXX.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I made an electronic phone payment of {$280.00}. I also asked what the process would like to close my account now that I have a XXXX  balance. The representative explained the process. She asked if I wanted to close the account I said no not at this time. Two weeks later I received a letter in the mail that my account has been closed. I called Captial One and was told that I closed my account on XX/XX/XXXX. The phone rep. that I spoke to kept repeating himself saying that since the account has already been closed. I would not be able to have it reopened. I asked to speak the reps supervisor after the rep was of no help. I explained to the supervisor what occurred. He said that all phone conversations are recorded so they would be able to check back to the recorded to see if it was their error. I spoke to supervisor XXXX employee ID number XXXX. He said I could check back within 7-10 business days for an update. This was a relief because I understood that after review I would be able to have my account reopened since I clearly said to the rep that I did not want to close my account at this time. 

I follow-up with Captial One two weeks later. The capital one rep did not connect me with the same supervisor. I was connected with XXXX employee ID number XXXX. She said that because my card was a secured card it would not be reopened even though it was their error. I explained that their error is now negatively impacting my credit score. I am looking to apply for a mortgage in the next 3 months and this capital one account was my oldest line of credit. 

Captial one admitted that this was an error of their and was unwilling to remedy the situation.
Consumer complaint received 2019-03-02
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. (MO)

The following accounts I have disputed them a month ago but was told by the major 3 credit bureaus that these accounts have been verified. Inwhich these very accounts I do not have a contract with nor have they been physically verified. I'm requesting the Method of Verification inwhich was used to equate the accounts as valid via my credit report. Inwhom within your company, name and title, spoke to whom and what means of communication was performed, phone, email, texts, fax, etc. What day and time did this take place. What physical documentation was delivered to both you and I that verifies these accounts, 1 ) XXXX XXXX {$0.00} 2 ) XXXX XXXX XXXX {$7.00} 3 ) XXXX  XXXX   {$570.00} 4 ) XXXX XXXX XXXX {$0.00} As stated in the FCRA laws if this information is not provided in its entirety then the above accounts shall be blocked immediately from my credit report.
Consumer complaint received 2019-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Hello I am a seller on XXXX on the side and all of my items have great feedbacks from my buyers never a problem. But paypal decided to frozen my account for no reason. I have contacted them many times to recover my account I even provide the information they needed it. Spoke to 4 different representatives and each have give me a different story and one of them told me my account would be back up and running again in 24hours which was not truth. Finally today XX/XX/2019 I call them again they not even trying to call or give me updated unless i call them to tell me they are closing my account and my funds will be held for 180days for no reason. They could not give me no reason. I really need my funds to pay off my bills. PLEASE I NEED HELP WITH GETTING MY FUNDS FROM PAYPAL. THIS IS WRONG I HAVE DONE NOTHING WRONG THIS HAVE {$740.00} Of MY FUNDS ON HOLD
Consumer complaint received 2019-11-19
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: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2018 XXXX 2018 XXXX 2018 XX/XX/XXXX2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2019 at XXXX a bank account transfer was initiated by myself to my XXXX XXXX XXXX XXXX   Account ending in XXXX. The estimated date of delivery was XX/XX/2019. As of XX/XX/2019, the amount ( {$540.00} ) was not received in my XXXX XXXX XXXX XXXX. Upon talking to XXXX  Customer Service, they advised the funds were on hold and would not explain why nor when they would be released. I am now claiming theft of {$540.00} by XXXX ( a company of PayPal ) and wish to prosecute accordingly. 

I have asked my local law enforcement to investigate and prosecute XXXX under Florida law.
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. XXXX sure that someone hacked my account and used my private information
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank, XXXX XXXX  XXXX XXXX, XXXX, Va refuses to deposit a Federal check that is made out to my wife and I, if she isn't in the car when I make the deposit to my checking account. I have to go get her and have her seated in the car at the deposit window.

The issue now is, I have received a economic impact payment check from US Treasury and my wife is house bound and can not travel due to medical issues.
Consumer complaint received 2024-01-30
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. (TX)

I have contacted the companies and agencies about the inquiries on my credit report that I do not recognize but they refuse to remove them from my credit report. 

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