davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (UT)

On XXXX/XXXX/16 I applied for auto loan with Wells Fargo for {$8000.00}. We decided to apply for the loan since we have a current auto loan with them and have a perfect payment record with them for over 2 year. Plus we know that our credit score was about XXXX points higher then last time. 
I was disappointed to find that we declined very quickly. Well our credit is n't the best so we were n't too surprised. So we then went directly to a dealership to see if they could get us financed on XXXX/XXXX/16. 
The interesting part is the dealership was able to get us approved for about {$7600.00} car and by none other then Wells Fargo. The same bank that declined us just a few days prior. 
The reason I am issuing this complaint is just recently we ( my wife and I ) received a our declined letter from Wells Fargo. They list my credit score as XXXX and my wives as XXXX. I was shocked by the low score because I check my score regularly and through Transunion before was applied I was in the XXXX 's. I do n't know how they could say we 're more than XXXX points lower. 
I feel this effected us in XXXX ways : 1 ) It caused that we had less options of vehicles to choose from, 2 ) we did n't have a choice on the term, 3 ) and lastly, now we will have XXXX credit inquires for XXXX auto loan. My main concern is how they can have such a low credit score for us when we view XXXX the information is so much different. And then they can approve later. It just does n't make since and we feel that someone should be made aware of this and hopefully their will be an investigation so they do not do this to others.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (OH)

Here is the email I sent to Freedom Mortgage : I am a service XXXX XXXX veteran on a fixed income through the VA. I desperately need your help sir. 

My name is XXXX XXXX, a " customer '' of Freedom Mortgage. You service my VA loan on my home. In the last 30 days I have been under immense stress from your company. Specifically the Escrow and Tax departments. 

Back story : In XXXX, Freedom mortgage increased my mortgage payment incorrectly due to an error in your escrow department. My normal payment which I have paid on autopay for most of the year is {$3400.00} however in XXXX I received a letter stating my taxes have doubled and my new payment is {$3800.00}. 

I contacted FM, they said not to worry we are working on it in XXXX when I received the bill. I called immediately. However in XXXX I received another mailer with an escrow refund check and the XXXX mortgage statement showing the increased payment. So I called back in. 

Several hours and many dropped calls ( felt like they hung up ) I finally got to the escrow department and they identified the issue. Out of the blue and for no reason anyone at FM could explain, my taxes are being charged twice. I contacted my local County Auditor and they assured me my tax bill has not changed... 

On the last call in early XXXX I was told they are doing an Escrow Inquiry that will take 7-10 Business days. I was instructed on a recorded line to cancel my autopay for XXXX and send in a check for the correct amount of {$3400.00}. Which I did. Your company received that check on XX/XX/. However FM refuses to accept the check and apply to my account. It's currently being held in a suspended state. 

Today I've been contacted by your Debt Collection department for payment of the increased incorrect payment. They've added fees and penalties and threatening adverse credit reporting. Now I've spoken with no less than a dozen of your employees bounced around from Tax, Escrow, Debt Collection, Customer Escalation, etc. 


UPDATED as of XX/XX/ : Freedom Mortgage has not applied my payment from XXXX which they received on XX/XX/. They are now reporting my account as in default, late and that I owe XXXX and XXXX plus penalties, late fees. 

I have called this company nearly XXXX times any there has not been an answer on the phone at all. Estimated wait time is XXXX minutes, but after sitting on hold for over an over on multiple attempts, i have no been able to reach anyone.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (FL)

My Home Loan was sold to AmeriHome Mortgage Company from XXXX. Payments were to being XXXX XXXX to AmeriHome. In the meantime, I was making payments to XXXX and partial payment was already sent out to XXXX since I did not get the notification until XXXX. I then called Amerihome to introduce myself and find out if they want me to cancel that partial payment to XXXX or continue to let it go through - in which XXXX would then forward it to Amerihome. On the phone, the rep from Amerihome told me that they do not accept partial payments unless I fill out a form, but that they would accept it as a XXXX time courtesy. 
XXXX forwarded this payment to Amerihome XXXX in which Amerihome still has not posted to my account with my other partial payment to form a complete payment. Amerihome has sent me a check made payable to XXXX XXXX ( XXXX XXXX ) which I could not cash. They asked me to send them the check back so that they can investigate in which I did immediately. I called them and they have no idea what is going on. I spoke to a gentleman named XXXX four week ago who assured me that they have all money and things will be fixed in my account. Nothing was ever posted. I receive delinquency letters and threatening voicemails from Amerihome constantly. I have missed work, I am out money and have so far documented 18 hours on the phone with them - including a Supervisor named XXXX for two hours two weeks ago ( beginning of XXXX 2015 ) who assured me that she would handle it and yet nothing is fixed. I should be up-to-date until XXXX XXXX, but it is showing delinquent and I will be assessed fees for them to have to come out and inspect the home! This is TOTALLY unprofessional and completely stressful. My husband is going for XXXX XXXX jobs, we both have XXXX credit scores and this can be detrimental to our future. Currently, I am out hundreds of dollars of lost wages not including the XXXX damages of them possibly putting us in foreclosure and worrying about my children! Please help!
Consumer complaint received 2023-12-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CT)

Summary : Father ( father ) sent a check of from his XXXX XXXX XXXXXXXX account through online pay to Daughter ( daughter ). Daughter deposited the check through ChaseApp to her Chase saving account. Chase flagged the check and held the funding. Daughter and Father presented the physical check, bank statements of XXXX XXXX  XXXX, debit card of XXXX XXXX XXXXXXXX, State ID, passport, and even a validation letter from XXXX to the local branch. Chase still holds the funding and refused to return. 
Request : Return the funding of back to either Father or Daughter.

Detailed timeline : 1. Daughter opened a Chase account in XX/XX/XXXX 2. Father sent a check to Daughter through online pay of Bank XXXX XXXX XXXX on XX/XX/XXXX XXXX. Daughter received the check and deposited through Chase App on XX/XX/XXXX. The check was cashed out and deposited into Daughters saving account at Chase on XX/XX/XXXX 4. Chase flagged that check as fraudulent and held the checking and saving accounts in early XX/XX/XXXX. 
5. We called Chase multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Chase told us it is in the hands of back office, fraud department now. We passed all the information to them. 
6. At the request of Chase Bank, on XX/XX/XXXX, Daughter and Father both visited local branch at XXXX XXXX, CT. Presented real ID, password, green cards, debit cards of both parties. The request to return the funding to either Father or Daughter were both rejected.

7. The original check was present to Chase local branch. XXXX in Chase scanned it in.

8. We requested XXXX XXXX XXXXXXXX to send us a validation letter on XX/XX/XXXX. The copy was shared to Chase. 
9. We worked back and forth with Chase and XXXX XXXX XXXXXXXX for one more week but no results. 
a. XX/XX/XXXX Chase called and asked Daughter to go to XXXX XXXX XXXXXXXX and talk with manager XXXX for dispute claim. 
b. XX/XX/XXXX We visited XXXX center at Chases request. Did not work out. 
c. XX/XX/XXXX Chase bank complain escalated line Called. 
d. XX/XX/XXXX. Chase called back. Asked us to call phone number XXXX option XXXX XXXX Still did not work out. 
10. On XX/XX/XXXX we file a complaint to CFPB.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (VA)

YOUR COMPLAINT The outstanding balance on the loan was paid on XX/XX/2023, it cleared by XX/XX/2023. On my XXXX XXXX XXXX account, I received notice on XX/XX/2023 that UPGRADE reported positive activity and that the loan was paid in full. However, when I check the online portal, the loan is showing an outstanding balance of {$5700.00}. 

This has caused a huge negative impact on my financial well-being, caused an unreasonable increase in fees and finance charges and is a defamation of my character overall. As defined in 15 U.S. Code 1692e and 1692f, there is abundant evidence of the use of deceptive and/or unfair debt collection practices. There has been use of false, deceptive, or misleading representation/means in connection with the collection of this debt.
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

On a weekly basis, I consume routinely both political and financial news. Typically, it keeps me informed on what is going on in the world, but rarely do I see any true connection or impact to my own life. Recently, I did have such a connection. I read that the Consumer Financial Protection Bureau was working to eliminate 'junk fees '. Shortly thereafter, I noticed that I had made an inadvertent lapse on an American Express Hilton credit card that I use for daily expenses. I normally pay the charges in full each month, but I had paid the XXXX charges on the statement date ( XX/XX/2023 ) and the XXXX charges after the next payment due date ( XXXX date : XX/XX/2023 ; Paid date : XX/XX/2023 ). Therefore, I carried a balance of {$47.00} between the months probably from pending charges that cleared. As such, American Express Hilton charged me a {$5.00} late fee, {$32.00} in interest, and confiscated the reward points ( valued $ XXXX ) for the month. I can understand the late fee and the interest as they are proportional and calculated based off the cards use and balance. But the rewards points confiscation is unlimited in its cost to the consumer. If I had spent more, then the confiscation of rewards points would have been as high as my spending, not my late payment. I have never known another credit card to charge XXXX % in a month based on credit card use. Even if legal, this activity should be discontinued through the Consumer Financial Protection Board or Congresses action in support of them. 

I sent this to my congressional representatives for future consideration as well. 

Thank you
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXX/XX/XXXX has violated my rights. 

Below here are the accounts XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

XXXX XXXXXX/XX/23 has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. 


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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Delete account immediately.

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Here are the following inquiries XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. s Below here are the accounts XXXX XXXX XXXX XXXXXXXX, has violated myrights. XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make 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 more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. Delete account immediately.
Consumer complaint received 2023-12-03
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: LAKE MICHIGAN CREDIT UNION (MI)

Lake Mich Credit U, on XX/XX/2023 placed a inquiry on my account that I didnt not authorize, I am here doing a report due to them not removing once I called and told them the inquiry was authorized Credit agency that reported it was XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation (TX)

I noticed a few months ago there was an inquiry to my credit by Covington Credit. I never applied for any loan so I called the company asking them why are they pulling my credit file and remove from my credit file with XXXX XXXX and XXXX. The phone number and last 4 of the social security number didnt match me. Also they claim that a {$600.00} check was cashed so they should have been able to trace it. Now today it is showing as a late payment and theyre calling me with harassing phone calls over a loan Ive never had. They have ruined my credit as I applied for a grant and was denied because of this. It is not my job to find out who they have a loan to. This is FRAUD. They should be able to pull the call and she who they spoke with to take out the loan. I will be pursuing legal action as they were forewarned months ago. Its not my fault if your incompetence staff didnt get persons full name ss # phone number place of employment etc to correctly identify who you were doing business with. This is completely ludicrous. They need to be put out of business. I cant imagine how many people they have done this to. Also it should be a signature on the check and a way to trace that payment.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX/DEPT OF ED Account number XXXX XXXX/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.
Consumer complaint received 2016-02-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SD)

I had called the original creditor and they said that I had to deal with Portfolio Recovery Associates , LLC. I called them and said that I wanted to settle the debt but would first like to have a debt verification as well as a settlement agreement letter sent to me. They told me that they could n't do both. If I wanted the debt verification, they would not do a settlement agreement. I talked with 3 different people who denied what the person before them said since it was n't in the notes and once guy actually said that since he can tell me my name, address and last for digits of my social ( which they actually asked for when I first called to verify who I was ) the debt was verified. At the end I basically had to give up and accept a settlement agreement letter that says when the company purchased the debt and who they purchased it from if I wanted to be able to settle the debt so I can clean up my credit.