davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (UT)

This collection from XXXX XXXX has two issues. It is from over 7 years ago and they are trying to collect on equipment that I returned. I returned it with their self shipping label, and they refuse to provide it to me to validate that the equipment was returned. If they would just look into their system, and pull up the records they would clearly see that is was returned.
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (GA)

I checked my credit report and saw a fraudulent account named Berlin-wheeler-ks, that was opened on XX/XX/2017. I have disputed the above with all three bureaus. The above mentioned is still being reported as a negative account trying to collect funds in the amount of {$98.00}. This is not my account and under the Fair Credit Reporting Act, this fraudulent account needs to be removed. The company I have hired to handle this issue, has recently informed me that an identity theft affidavit has just been sent off.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : 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 Have violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 

15 U.S.C. 1681 section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681C ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This not a duplicate complaint! 
On XX/XX/18, I used Bank of America app to send my mother money. The only option it gives you to send money to another person is to use XXXX. My mother could not activate and verify an account with XXXX. The day I transferred the money to my mother, she was had problems activating the account to accept the money. I called Bank of America and reported the issue. I was told by Bank of America if she is unable to accept the money the money would return in 14 business days. My mother never received the money I transferred. I never received the money back. I made several calls and filed several complaints with Bank of America. I tried reaching out to XXXX and they told me to call Bank of America. Bank of America reports that they reached out to XXXX XXXX XXXX  where the money was being sent and they refused to release the funds back. Even though the money never reached the recipient. XXXX XXXX XXXX  responded to the compliant and stated they do not accept XXXX transfers so not responsible for the return of the money. Between Bank of America and XXXX one of the them is holding the money. Bank of America and XXXX both ADVERTISE that the app lets you send money to anyone and that's not true. I have attached XXXX XXXX  response that they never received any money since they don't have any agreement with XXXX to accept money. And Bank of America and XXXX keeps passing the blame on each other. I want to know where is the money since XXXX never accepted on behalf of my mother.
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

CFPB, This credit bureau has failed to meet the FCRA on numerous occasions. I have filed 3 dispute letters for the past three months regarding a Bankruptcy on my credit report. They continue to deem this verified as accurate but, they have failed to provide proof or a verifiable signature that this is in fact my bankruptcy. I am requesting this be removed from my credit report immediately based on the fact they have not meet the FCRA over and over again. 

Thank you
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Despite months of requests, QUICKEN LOANS / ROCKET MORTGAGE will never stop sending spam lending offers. Their eccentric 'UNSUBSCRIBE ' link seems designed only to collect more personal information, which is requested to achieve relief that never comes. In effect, QUICKEN LOANS is a spammer.
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Consumers Inc (VA)

Debt was paid in full yet it still remains on my credit reports after we agreed to a " Pay for delete ''. 

I paid the full balance owed {$370.00} via personal check every week. 

UNITED CONSUMERS INC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-10
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. (FL)

On XX/XX/XXXX I called XXXX XXXX, XXXX, Experian to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Despite my diligent efforts, these fraudulent accounts remain on my credit report, and my disputes have been ignored or inadequately addressed. The persistence of these inaccurate accounts is causing significant harm to my financial standing and overall well-being. Upon discovering these unauthorized accounts, I promptly filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted this report to the relevant credit reporting agencies.
Consumer complaint received 2018-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

I took out a {$2000.00} line of credit with cashnetusa. I have paid them over {$2100.00} to date over a 3 month period and yet I still owe over {$1900.00} which goes up daily. I tried to call and talk to cashnetusa about not being clear on the interest before o took out the loan and they denied that anything was misleading. When I took out the loan I asked if it was high and the representative told me it wasn't and that it was only XXXX. Something per day and didn't explain the 299 % interest during the call. This is not right.
Consumer complaint received 2018-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I was attempting to purchase tickets through XXXX. I am only XXXX and just opened account with Wells Fargo. I have never used XXXX and thought that it should be safe since it is on my Wells Fargo app and the bank must trust them. I did log in and transfered {$70.00} which I had in my account at the time. The app told me that it did NOT go through and to try again later. I went through the process again and it actually took both times. Wells Fargo allowed the transaction to post twice at {$70.00} and charged me an Overdraft charge of {$12.00}. I am out {$140.00} and of course I did not receive tickets and the phone number to the person that I thought would be giving me concert tickets is rejecting my calls. The only information I have on the recipient was a phone number and an email address. On my bank statement it shows the name XXXX XXXX. I went to my bank within 30 minutes and no one was able to help me. I have also sent numerous emails to XXXX complaining about this fraud and what happened to me. Neither XXXX nor Wells Fargo is willing to help me. I just started working this summer and am trying to save money for college. I can not afford to lose this much money. I asked Wells Fargo if they could help me with one of the {$70.00} charges but they said they are not able to help me. I hope you can help me with this situation. I would be happy if Wells Fargo would at the least refund me one charge of {$70.00}. I am really upset and have learned my lesson on not trusting anyone and to especially not deal with online sites that you do not know. I really thought that they would be reputable since Wells Fargo trusts them to be on their website and peoples accounts.
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

I hereby attach documentation showing that I obtained title to mt home after my wife died. I now wish to obtain a modification on the subject property where I live. I understand that the property is worth less than what is owed on it, but I will request a forbearance on a portion of the adjusted balance upon acceptance. I really need Fay Servicing to help me by submitting a loan workout representative to my case immediately. I have no desire to file for bankruptcy, and I wish to negotiate this workout immediately.
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

i am paying my home mortgage through my bank account every month on time some how my escrow amount went up {$88.00} a month in XX/XX/XXXX. which i was not aware. for month of XX/XX/XXXXand XX/XX/XXXX i still made a payment on time which newer been apply to my account neither returned to me and my mortgage company charge me two month late fee and also reported to credit beuro for two month late payment which harming me in my business. i called the mortgage company and also e mailed the matter and they are saying that they cant do any thing in it and they have no answer why they were holding my money for two months. if you can please look into the matter and please help me to fix my credit thanks a lot
Consumer complaint received 2018-08-10
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. (MI)

I contacted Experian on XX/XX/XXXX regarding a tradeline reporting on consumer credit report, that has a number of documented egregious errors. I have been paying on an installment loan regularly since last year ( XXXX ) and have proof of payment. However from XXXX - XXXX of this year ( XXXX ) I have an anomalous reporting of 3 back to back 120 days late for EACH month. Besides not not being late at all. the structure of the reporting is wrong for the following reasons : to be 120 days, one must first be 90 days late, to be 90 days late one first be 60 days late and to be 60 days 30 days. NONE of which are reported leading up to the first insistence of being 120 days late, further.If I have not been paying my account then subsequent to the first instance of being 120 days late, I should be 150 days next and then finally 180 days late. Understandably this reporting errors have caused great harm to my ability to secure personal AND further business funding. If we reason that if It was reported I was 30 days late at anytime in the past AND it were true in XX/XX/XXXX it  would have been now 6 months ago and my credit score would of been recovering from a single incident of only 30 days late, not an undocumented pop-up of 120 days in the middle of the rolling 6 month snapshot.
Consumer complaint received 2018-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

The work is 100 % completed from fire damage. The XXXX XXXX  has paid the Freedom mortgage, the mortgage company needs to release the funds once the work has been completed. The work has been completed and they claim that we need an inspection in order for them to release the funds and they have not send an inspector out to do the inspection or released the money. That is the problem, we have contacted different persons and have received different answers. They claim that it should only take a couple of days and every couple of days you get a different excuse to why they have not sent an inspector out or released the money. Borrower has given me complete written authorization to negotiate with Freedom Mtg. for this fire repair. I will include the Authorization. 
Original request was made over 30 days ago, Freedom Tracking # XXXX.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2018, I submitted a dispute letter to all 3 Credit Bureaus in desired request to remove a Bankruptcy ( Public Record ) listed on my credit reports. In the letter document, I thoroughly described the issues, point of emphasis & reasons per the laws of the Fair Credit Reporting Act 623 ( a ) ( 5 ) : as to why I have requested prompt removal of the Bankruptcy. Reasons being that Bankruptcy Courts do not validate or verify Public Record entries onto my Credit Reports. Considering a violation of the FCRA & the fact that it has caused major hardship on my family by derailing my ability to be able to apply or acquire credit along to possibly purchase a home for my family it needs to be deleted off my report. XXXX  has removed the Public Record off my report. XXXX is currently pending. However Experian has taken every dispute I have submitted & just ignored my request by jist constantly updating my Credit Report with a " Verified '' status. I feel they have not taken any consideration to consider the reason for my dispute in the document that I submitted to them.
Consumer complaint received 2018-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

After hurricane Irma I approached WellsFargo to take advantage of the disaster relief assistance since my home was in the affected area, they were very helpful so the agent on the special disaster relief hot-line said on XX/XX/XXXX that I could indeed take advantage to deferred up to 3 mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and place those 3 payments at the end of my mortgage term ( 30 years ) so I agreed, they promised they wo n't charge late fees, nor report to credit reporting agencies. 
However, starting on XX/XX/XXXX, I started receiving letters from WellsFargo with statements showing the owe amount ( {$2200.00} x 3 months = {$6600.00} ) and that I had to pay before XX/XX/XXXX to avoid late fees, and that my account was sent to Collections, well I called right away and I told them what I was told, well they said, I am sorry if our agent made a mistake but we just forgive the payment for 90 days after that I need to pay the entire amount {$6600.00} so they started asking documents to be send to underwriting to either approved a loan modification or a payment plan, well I sent docs after documents but there was always something missing, actually they place a late fee on XXXX, so I had to call to have it removed, any way, my complaint is that instead of relieving my situation due to loss of income, they aggravated my issue since I had to produce {$6600.00} to make my mortgage current withing 30 days, I was begging on the phone not to impact my credit history, they simply did't care, I was treated like a delinquent customer, the disrespected me, Finally, to my surprise, I received a call on XX/XX/XXXX from XXXX ( wellsFargo agent ) to tell me that they went over the tapes, and indeed they found that the agent told me they will deferred my payments and place at the end of the 30 years term, but unfortunately that agent had made a mistake and they could not do anything!!!!! 

That 's misleading customer, the simply lie to me, and I have to figure out myself, well I had to take money out my 401K to pay the entire amount and be in good status in fear they will report it to the credit bureau. 

I really hope this type of behavior does n't pass in-adverted, they are playing with hard working people, and I would seek some kind of indemnification. 
XXXX XXXX WellsFargo Mortgage XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Good morning, I am writing because the short sale to close my mortgage still appears on my Credit Report. On XXXX XXXX, XXXX, my ex-husband and I opened an account with XXXX XXXX. In XXXX, we could not pay our mortgage. We ended up closing the account due to a short sale. This account has since been paid and closed. 

It is now XXXX and I am still waiting for this information to be removed from my Credit Report. I have been working hard and have impeccable credit, however, this short sale/adverse mortgage is still showing up as 'delinquent account ' or 'delinquent activity. ' It continues to negatively affect my credit score. 

I would like to please request that this old information be removed from my Credit Report. I've waited 8 years, finally got divorced, and am eager to move on with my life and be able to purchase a home for myself. 

Thank you so much for your help.
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America previously instructed me that I would not be able to close my account over the phone and would need to appear in person or send a written letter to do so. I sent a letter to close my accounts ( checking and savings ) in XXXX ( Around XX/XX/2018 ) and moved all money from my account. I later discovered that the account was charged a service fee which resulted in a transfer from my credit card ( an apparent overdraft protection I didn't realize was in place ). Assuming it would take some time for the letter to be received and closure processed, I went ahead and paid the fee and paid the balance that appeared on the credit card because of the overdraft protection and sent another letter letting them know that the fees should be returned to me and added ( CC 'd ) a copy of the original letter. This occurred approximately 3 weeks after the original letter was sent, I honestly feel it should not have taken that long to close the account. 

Because of work, travel and some family stuff, I didn't get around to checking on my account ( with two letters, I was sure I'd done what I needed to do ). In the meantime, I was charged some minimum interest charge on my credit card, a charge I was not aware of because I didn't use the card for cash advances ( which is seems this unwanted overdraft service was considered ). I wasn't aware of the charge, it appeared about 5 days after I paid the account. 

I was told by the credit card team that I would need to contact the banking side and find out what happened. They also informed me that if the banking side closed the accounts/refunded the fees and determined it was their mistake, that they would go ahead and resolve everything with my credit card ( late fees and a 30-day late payment report to the credit bureaus ). I went through this whole process with the banking ( checking/savings ) side and they agreed it wasn't my mistake and closed the accounts, refunding all fees. They said as much to the credit card side, but that side didn't do as promised. 

My account should have been closed when I requested it. I should never have been charged any fees and my credit card should not have been charged the overdraft protection. There should also have never been a late payment notification on my credit report ( there are no others, my credit report has no other negative information ). Further, the late payment amount was reported incorrectly as {$26.00} when it was only ever the {$1.00}, though I believe this is something that I'll need to work through a different organization with. 

Bank of America has gone back and forth telling me they would fix it and that they wouldn't. I'd planned on applying for a home loan this week, but I need this resolved first.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX account # XXXX has been paid-in-full. XXXX XXXX was contacted on three ( 3 ) separate occasions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to correct information being reported, namely that the account was a " charge-off '' and in a " payment plan ''. XXXX XXXX has been very helpful in correcting the mistakes. Unfortunately, Experian CRA has continued to report incorrect information on my credit report such as " open '', " charge-off '', and " payment plan ''. I have contacted Experian CRA to correct the mistakes but they continue listing the false information.