davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

To whom it may concern : I am writing because there are some errors on my credit report and they belong to my sister and my mother. My name is XXXX XXXX, and I am continually linked to my mother, XXXX XXXX, and my sister XXXX XXXX. I can not change my address because whenever I have my mother and sister 's mail is redirected as well. I have realized that this is due to errors on my report. I have never lived in XXXX, MA. My sister, XXXX XXXX has. I have also never had a XXXX credit card, this account belongs to my sister, XXXX XXXX, and I need it to be removed from my financial record. We are XXXX different people, with similar names and addresses, until recently, but we do not share a social security number. I need my account separated from my mothers and sister 's as I plan on moving and purchasing a home. My sister had been dealing with the XXXX crediting companies for many years, trying to separate her financial record from my mothers, but I do not understand how this could be hurting me as well, since I do not share the same first name with my mother or sister. The XXXX crediting agencies have made these errors on my report and have not corrected them, thus I thought to report it once again before seeking legal action. I have attached copies of our XXXX different passports, in the hopes of showing XXXX different individuals, whom happen to be related, not the same person.
Consumer complaint received 2015-09-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HONOR FINANCE, LLC (AZ)

I paid off my car loan to Honor Finance, I used the same credit / debit card I have used for the past 10 months and am now told that they will not release my title or any other documentation, which establishes that my note is paid in full, unless I send a copy of my credit / debit card as well as a copy of my drivers license. I asked why and they just said it was their rule and their way of making sure that I do not stop payment. How can sending a copy of my card and license assure this company of anything, much less guarantee a payment, which has already cleared my bank? I feel that they are holding my title, for a loan, which has been paid in full as a hostage to gain personal information, which they already have on file. I do not feel that additional information should be necessary as my loan is paid in full, the company is aware of my mailing address and contact information as well as credit / debit card information as they have been processing that card number as payments all along. As far as I can tell, through my research, their steadfast refusal to release my car title in a reasonable amount of time, say 30 days is nothing short of taking my title as hostage after final payment in an effort to obtain information they already have. This is unfair, unnecessary and unprofessional conduct. Any help you may provide would be greatly appreciated.
Consumer complaint received 2015-09-24
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (NC)

I first recieved a call from an UNKOWN number, I picked up and a man answered, when I asked him the reason for the Call he said my name and asked me to acknowldege if it was me. He said he was with a processing company and that they were trying to reach me so that they could serve me with papers for reasons that he was not able to say, he gave me a number to the law firm attempting to provide me with summons papers. XXXX I called this number and gave them the case # that the man had provided, they pulled me up and transfered me to their " Legal Dept '' where a lady named XXXX XXXX picked up and told me about a debt that I had never even heard of. A Wachovia bank acct overdrawn {$1600.00} ... she said if I did not pay that I would be sued and taken to court. She then offerd me a settlement of {$750.00} dollars and asked for my EMAIL so i could send her the contract with my credit card information, afraid for my credit score I complied and gave her my email address, after she said if taken to court that I would end up spending thousands more. I called my father and he immediatley understood this was a scam he advised me to file an FTC complaint and advised me not to send these people a single dollar. I am writing this in hopes that some type of action can be taken against these people to prevent innoncent consumers fron buying into these disrgraceful practices.
Consumer complaint received 2015-09-24
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

Earlier this year my VA Mortgage was transferred to Carrington Mortgage Services for unknown reasons from XXXX XXXX XXXX. I elected to refinance with Carrington and was assigned to XXXX XXXX ( Loan Officer, Regional Sales Ctr. Inside Carrington Mortgage Services , LLC ) back in XXXX of 2015. The refi had changed from cash-out to streamline throughout the process and after many failed attempts of attempting to get a hold of her and her supervisor ( XXXX ) I elected to start searching elsewhere after several misleadings by Carrington as a whole. For instance, XXXX left a voicemail for me on XXXX XXXX stating, " please give me a call wanted to find out if you 're going to be available for a closing we finally got the exception we needed ... '' I finally contacted XXXX approximately one week later letting him know that I would no longer be closing with them and that I 've elected to utilize a different company. XXXX stated that he would close out my application and in the mail I received a, " Statement of Credit Denial, Termination, or Change '' stating " Application Denied. '' I find this to be gross misconduct and misreporting on the bank 's behalf and request that appropriate actions be taken. 
Throughout the time that I was dedicated to the process with XXXX and XXXX there were numerous other ill-conduct actions on their behalf, such as in an e-mail on XXXX where I am told, " ... to not make your XXXX payment ... '' and on XXXX am told that I had to make that payment and that I misunderstood what I was told. In the early part of XXXX I am then told that the rate lock had expired and that my rate was being increased from 3.825 % to 4.125 %. I disputed that and it was brought down to 3.875 % as supposedly there is no 3.825 % which I had been signing papers for from the beginning.
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

this complaint is with Coldwell banker mortgage servicing. My issue is in XXXX I made my mortgage payment along with the escrow shortage I used the coupon they sent me. They applied it to my principal so when I made XXXX payment I started getting calls attempt to collect a debt!! XXXX XXXX they filed a work order to fix it. Now I come to find my XXXX and XXXX payments have been cashed not applied to my loan but they cashed my checks!!! Where exactly is my MONEY in a interest bearing account???! I have also received paper work a week ago for early intervention assistance because my loan is in default! You get absolutely no place with these customer service people, you speak XXXX, I have turned them into the office of the president and this matter has still not be resolved. What is my recourse here this a RESPA violation under # XXXX there should be some restitution involved here! On top if they have ruined my credit. This is just absolutely unacceptable.
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (ND)

Received a call from XXXX at XXXX on XXXX/XXXX/2015. The man on the phone kept asking for personal information, but when I asked him any questions he would only state that it was a personal business matter and could not provide any information until I verified my identity. I hung up on him without getting his name unfortunately. Today ( XXXX/XXXX/2015 ) I got another call from the same number. This time I made sure to get the woman 's name : " XXXX ''. She kept asking me to verify my information, and I kept refusing to verify any information until she told me the name of her company. She said it was " IC Systems ''. I asked for the company 's mailing address and she refused to provide it ( like actually refused! ) unless I would verify my identity. I could n't believe it and incredulously asked if she was really refusing to give me their address so I could send a cease and desist letter. At that point she said she was terminating the call and hung up.
Consumer complaint received 2015-09-25
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CO)

I refinanced my mortgage loan from US Bank through XXXX XXXX. I was told that I should receive a check for approx. {$700.00} - {$800.00}. I eventually received a check for {$200.00}. I have tried 3 times to try to resolve, US Bank treated me horrible. On the XXXX time the gentleman from XXXX XXXX conferenced called with me it took a hour and approx 15 minutes did not get anywhere at all. I am told that I should have received {$270.00} times XXXX plus the XXXX making a total of {$750.00}. It seemed when explained by XXXX XXXX US Bank did n't want to understand him at all, totally frustrated when it was completing explained in simple math and simple english. XXXX the rep we were talking to seemed not very versed in mortgage lingo. He talked circles and ignored the direct question that was asked a number of times, way more then should have been. He then towards the end of the call says he could n't help any further and i got back what I needed to get back. Then he proceeds to tell us XXXX still on conference call ) that I would have to contact the pay off/customer service number and they will further help me. I basically stated that the pay off/customer service could n't be the same and I do not!!!!! want to start all over again there was and extension given but when I turned around to proceed to call the given number in fact it was want I guessed it would be all over again with customer service so i decided to ask for the pay off dept to discuss my problem and according to her she like says ca n't get ahold of pay off then do not have direct lines, phones for customer 's to talk to them. Then i asked what the XXXX digit ext was and she told me its a branch pay off to get the verbal pay off COMPLETELY WENT CIRCLES!!!!! I would like the rest of my money returned to me ASAP as I 'm in need more then the XXXX dollar bank is. Here are the phones number and extensions that were given to me. 
US Bank XXXX XXXX no transfer when i used this XXXX customer service/pay off dept ext. XXXX ( not an extension ) XXXX ext XXXX. The gentlemen in which we spoke to his name is XXXX? his direct line XXXX. He stated he was a supervisor? I have a check for XXXX the remaining is XXXX. I was told this amount was taken out twice, in pay off then taken out of the refund escrow. 
Thank you
Consumer complaint received 2015-09-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I currently bank with Wells Fargo and have several accounts open with them. Recently checked my account online and seen they charged me XXXX overdraft fees of {$35.00} each. Now given that I have overdraft protection on my accounts, they did not waive the fees for me.
Consumer complaint received 2015-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX reported I had XXXX late payments to them. I have never had an account with them. I paid an auto loan off with XXXX in XX/XX/XXXX. XXXX XXXX finance bought out XXXX in XX/XX/XXXX an are saying they used information from the acquired XXXX account to report late payments. XXXX XXXX XXXX said they would send me information proving the late payments but has not sent me documentation of any kind.
Consumer complaint received 2024-08-17
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: Happy Money, Inc. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding XXXX unauthorized credit inquiries that appeared on my credit report. These inquiries, which took place on XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and raised questions about the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of protecting personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and help others who may encounter similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Sale of account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

" Bank Of America '' sold my debt, to a Law Firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I was with Bank America for 35 Years, same branch for Thirty Five Years. My parents bought their home, through Bank of America, for 30 years. So XXXX years, collectively. My Credit Score was XXXX, in 2006. But because of my bad health, I live on XXXX, only. I have no assets, no investments, no savings account, zip! I have {$4.00} to my name! I was contacted by a " Process Server '' XXXX XXXX XXXX XXXX delivery person was here. I did not answer the door! I have a XXXX XXXX, do they want to have a " Wrongful Death Suit? '' Please leave me alone. I have nothing! I do have terrible health, and I am broke. A Law Suit is waste of your time, money, & energy, and very STRESSFUL. Do you need their E-Mail, if so, here it is.
Consumer complaint received 2024-08-27
Product: Credit 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: FISERV INC. (CA)

Money Network Financial , LLC refuses to refund me the fraudulent transactions perpetrated by criminals and reported to them along with filed Police Report on my debit Visa card.

Apeal after Apeal, and they say your pin has been used, therefore, we need more proof. What proof better than a legitimately filed Police Report?

How can I prove how the perpetrators used illegal means to access my card?

This is shameful!
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX of 2012, a fraudulent check was dispersed into my account. I was unaware and have no idea who put the check inside my account as I had my pin number written in a few places in order to remember it. I did not immediately report the transaction because it was around the time my father was going to pay my rent six months in advance. I removed the funds and paid for my rent. After finding out it was a fraudulent check I returned the money to Bank of America but not before they reported me to XXXX and closed my checking account. Because I had a checking account through the institution I attended, I was not particularly worried about not having an account with Bank of America. However, I have since attempted to open a checking account with a myriad of different banks and credit unions to no avail. It is highly upsetting when a mere misunderstanding that has been remedied over three years ago still seems to hinder me from financial freedom.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX foreclosed on our property XXXX XXXX, XXXX, the credit report shows the foreclosure occurred in XXXX. We have documentation to prove the date of the sheriff sale. We were told to vacate the property XXXX XXXX, XXXX. We are trying to clean up our credit rating.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX WAS PAID THROUGHA JUDGEMENT ON MY HUSBANDS PAYCHECK LAST YEAR. IT SHOULD BE MARKED AS JUDGEMENT PAID IN FULL OR SATISFIED OR REMOVED. TRANSUNION HAS INGNORED MY REQUEST TO CHANGE THIS.
Consumer complaint received 2015-04-29
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (OH)

I am in the process of purchasing a home. I chose to do business with Quicken Loans based on their strong reputation within the mortgage industry. After starting my loan application, I received constant miscommunications, poor service, and a feeling from their team as if my business really was not important to them. I chose to withdraw my loan application, and take my business elsewhere. I chose to withdraw my loan, and the FHA case number was transferred to my new lender. Quicken had to close my loan application out in order to transfer the FHA case number, and when they did, they closed the loan as " loan denied, credit denial. '' This caused a hiccup with my new lenders underwriting team. I had to spend many hours on the phone with them explaining to them why my loan was not in fact denied, I withdrew it. At this point, I have worked through the concerns my new lender had, but on principal, my loan application should be closed based my request to withdraw my application, not " credit denial. " Quicken Loans is the biggest joke of a company I have ever had to work with, and I am certain their ratings with XXXX XXXX are forged.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

I filled for bankruptcy in 2008. After negotiating with my creditors we were able to come to an agreement and I paid my creditors and requested the bankruptcy to be dismissed. After 7 years I requested to Equifax to remove the bankruptcy and they refused stating its there company policy to leave it on my credit report for 10 years. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. When I spoke to Equifax they stated there following the law of the FCRA with regard to the 10 year policy, I have read the FCRA section 1681c and I can not find anything in any of the sections or subsections regarding dismissed bankruptcy being reported for 10 years.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Conn's, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX, conn appliance, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after XX/XX/year> from date I filed. Remove late payments and charge off comment, against federal law what your reporting on these payment historys and comments. XXXX XXXX credit card as paid in full and XXXX reporting late payments this year. Remove the payment history.
Consumer complaint received 2024-11-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: U.S. BANCORP (WA)

This began on XX/XX/year>. On that day XXXX XXXX XXXX ( No address can be located ) called my mother, my stepmother, my father and my stepsister. They claim they have tried to contact me numerous times which they have not. They claim that this is a debt from US Bank. After being provided a phone number and a case number by my dad ( they gave personal information to him ), I reached out to a XXXX XXXX on XX/XX/year>. I asked her for a validation of debt. They provided me with a XXXX style for via email which was sent by an XXXX XXXX on the same day. The document had an account number and a dollar amount but there was no information as to when this debt occurred nor an address of this collector and there is a threat of placing a lien on my property ( XXXX ) and is not on my credit report. They continue to send me reminder emails and call my family members after I sent a CEAST & DESIST LETTER via email on XX/XX/scrub>XXXX
Consumer complaint received 2015-09-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (WI)

This MEDICAL billings referenced in either XXXX XXXX XXXX original account numbers XXXX or XXXX have been fully paid by The Department of Veterans Affairs, ( XXXX, WI ). Documentation from the VA agency ( dated XXXX XXXX, 2015 ) is proof of payment. However, Commonwealth Financial Systems has improperly reported XXXX or both of the {$810.00} billings as a Charge Off-Collections action to the XXXX credit bureau. The payor is not the patient, but is The Department of Veterans Affairs, VA, ( XXXX ). The XXXX VA office has provided a detailed XXXX-page payment document that clearly identifies the all-inclusive payment to the initial provider, XXXX XXXX XXXX, XXXX, WI. The full payment, dated XXXX XXXX, 2015, is recognized by Federal Law to the INITIAL medical provider, and it is also recognized as FULL PAYMENT to associated medical providers who had provided medical procedures relevant to the care at the XXXX XXXX XXXX. Important : An associated medical procedure is also recognized as a " Packaged '', " Inclusive '', or " Unbundled '' line item on any billing, and page XXXX of the Veterans Administration ( VA ) sheet clearly identifies those line items " are not the patient responsibility. '' In this matter, the VA payment is to the Hospital and separate Medical Providers are to gain their payment ( s ) from the Hospital. This is a MEDICAL issue, and any report of a delinquency ( which is not the case, here, because it is paid ), must include a " Dispute '' annotation if reported to a Credit Bureau. However, Commonwealth Financial Systems identifies XXXX ( or both ) of the Infinity billings a a " Charge Off-Collections '' action without accurately identifying the matter as a Medical Dispute.
Consumer complaint received 2024-10-29
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. (GA)

My XXXX XXXX, XXXX, XXXX, and Equifax reports are under security freeze. Yet Equifax is still allowing XXXX XXXX to soft check my credit report without my consent.