davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I pre-qualified with Bank of America on a FHA purchase loan. After finding a property and signing a purchase contract i also was pre-qualified with XXXX XXXX XXXX. My purchase contract was accepted by the seller on XX/XX/XXXX and on XX/XX/XXXX I informed Bank of American I was going to go with XXXX XXXX XXXX as my lender. Since BofA had already pulled the FHA Case number I requested via email that the case number be transferred to XXXX. After many request by myself and XXXX to Bank of America to transfer the case number nothing has happened. As of today XX/XX/XXXX the FHA Case Number has not been transferred. Request were sent to the loan officer XXXX XXXX XXXX XXXX and his manager XXXX XXXX. Both work in the XXXX XXXX XXXX XXXX, CA XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Their contact information is XXXX, XXXX and XXXX, XXXX. My contingency are coming due and I must release my contingency or fear losing the home or my earnest money deposit. I do n't believe a company should be able to hold my loan " hostage '' because I decided to go with a different lender. I had not signed a loan application or received and LE when i informed BofA of my decision to change lenders. All I want to do is have the case number transferred to XXXX XXXX XXXX so I can move forward. FHA Case number XXXX Thank you.
Consumer complaint received 2017-06-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (PA)

Direct Express says i am dead and suspended my Social security account. I  have been trying for over 2 weeks to get someone from direct express or social security to help me. I have called both DE and SS many times and have been to my local SS office 1 time so far, I plan to try again tomorrow. I am almost out of money and i really need some help.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried to open a bank of American account last year and a few years back and they keep telling me to remove something that was on my XXXX 4 years ago. Its no longer on there the bank said it was a mistake but Bank of America still wont open the account
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Commonwealth Financial Systems, Inc. (MO)

My husband and I checked our credit scores with XXXX XXXX because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX. Saturday, XX/XX/XXXX I received an email from XXXX XXXX stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. XXXX XXXX seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was Commonwealth Financial Services. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where XXXX XXXX and Commonwealth Financial Services are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I was put on XXXX  XXXX so I couldn't afford to pay mortgage so I started sending small checks so the amount I was behind would not continue growing in a rate I could not recover from and the mortgage company sent my checks back uncashed so I fell behind 4 payments. When I was able to go back to work at a new job, I resumed paying my mortgage in XXXX and Mr. Cooper refuses to post that money against my mortgage - instead they are putting my money in an unapplied funds account and they have their lawyers trying get judgements against me. I have made a payment in XX/XX/2018 and XX/XX/2018 and they are still claiming I haven't paid anything since XXXX.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On 2 separate dates (XX/XX/XXXX and XX/XX/XXXX ) I filed disputes with Eqauifax in regards to in accurate Bankruptcy ( XXXX ) being report on my credit report.On both disputes Equifax is listing the source/data furnisher as XXXX XXXX. On XX/XX/XXXX I received notification that the dispute filed onXX/XX/XXXX was complete and the bankruptcy had been reported as " accurate ''. On XX/XX/XXXX I called XXXX XXXX ( XXXX ) and spoke to XXXX. I asked him if XXXX XXXX had provided or verified any type of information from my XXXX XXXX Consumer Report with Equifax. XXXX advised me that there had been no release of my information to anyone as I have a freeze and suppression on my consumer report due to identity theft. XXXX also advised me that the only way information would be released is if I personally requested to have my information shared by providing XXXX XXXX with the PIN # for my freeze. I advised them that Equifax listed them as the source of verification for a Bankruptcy on my credit report. XXXX advised me that there would be no way physically possible for Equifax to obtain verification since the same Bankruptcy was also being disputed on my XXXX XXXX report and that XXXX XXXX would not and could not verify anything that is currently in a dispute status with XXXX XXXX. On XX/XX/XXXX I  submitted another dispute with Equifax for the Bankruptcy and on XX/XX/XXXX I received notification that the dispute was complete and that the bankruptcy had again been verified thru XXXX XXXX. Equifax has failed to do a thorough investigation and because of this my rights under the FCRA have been violated. Per FCRA any information that can not be verified or is inaccurate must be deleted from a consumer 's credit file
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (OR)

I was assessed 2 fees by my bank, the first on XXXX XXXX for {$170.00}, and the second on XX/XX/XXXX for {$35.00}. I feel these fees were unfairly applied to my account. Upon examining the Federal Reserve regulations with my Attorney, we came across regulation ( 230.4 ( b ) ( 4 ) ), which governs how a bank applies fees. and it states, " An institution must specify the categories of transactions for which an overdraft fee may be imposed. For example, it is sufficient to state that the fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. It also states " However, it is insufficient to state that a fee applies for overdraft items. upon looking at my account these two fees were labeled as followed : XX/XX/2018 FEE {$170.00} UNCATEGORIZED XX/XX/2018 FEE {$35.00} UNCATEGORIZED I feel that this is a violation of the above regulation. 
I tried to contact the bank when this happened and I was hung up on.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express ( AMEX for short thereby ) had an AMEX offer promotion which is to spend {$150.00} or more on XXXX XXXX XXXX XXXX for Business and get XXXX XXXX points, up to 3 times on my AMEX card ending with XXXX. ( XXXX XXXX points eligible in total for this offer ) I participated this promotion, and made three $ 150+ payments on XX/XX/XXXX and XXXX respectively ( which were eligible before the promotion deadline of XX/XX/XXXX ). I got XXXX XXXX points on XX/XX/XXXX, but the remaining XXXX XXXX points has never shown up on my account. 

I contacted AMEX through their customer service chat channel on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking about the XXXX XXXX points. AEMX customer service admitted that this particular XXXX XXXX points has been issued, but never posted to my account, which means that my participation is eligible but AMEX just does not give the XXXX XXXX points to me.

Each time I contacted AMEX, the customer service representative and even their manager would say to submit a request with high priority for their back office people to investigate, but the points never came to my account after I have been waiting patiently and politely for more than 6 weeks from when I started the first inquiry, and for more than 8 weeks from when I made the eligible spending.
Consumer complaint received 2017-06-17
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. (OH)

I had a car title loan with  XXXX   XXXX  on a  XXXX   XXXX   XXXX  i n 2013. I l ost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX   ,   XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted  XXXX  that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent  XXXX  ( to the address on my credit report  ) 2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.
Consumer complaint received 2018-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.
Consumer complaint received 2017-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital One keeps reporting card as a new charge Off every month, making it appear that it just happened and has not, they need to comply with previously filed, and proven identity theft case that was sent in and remove this account as it 's just a ploy to harm consumers who struggle Day to day with life 's misfortune and when companies like them want to blame someone until they 're satisfied they 've further damaged ones reputation to their enjoyment. This is a serious matter that they need to listen for once and do what 's right and stop trying to cause harm to innocent people, everyone 's not bad as most corporations.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

On the morning of Monday, XX/XX/2018, I logged into my Wells Fargo online banking account. I have noticed that my credit card balance seemed to be going up at an almost exponential rate. When I reviewed the online transactions closer, I noticed that every credit card transaction for months had been doubled. For example, monthly storage payments in the amount of {$300.00} were doubled, streaming TV subscriptions for {$29.00} a month were doubled, and store purchases were doubled. I have screen-prints and hard-copy printouts of the transactions ( attached ). 

As of this writing I have not contacted Wells Fargo yet, as these kinds of issues have been going on with Wells Fargo for years ( including switching my personal to a small business account ). I have informed Wells Fargo of past concerns and they have not taken them seriously - routinely diminishing and discrediting concerns. 

At this juncture, I can not trust Wells Fargo to act with transparency and integrity to fix this and other issues. I must wonder if this is the same type of " computer glitch '' that has recently plagued Wells Fargo ( with respect to home loans ). 

I am asking the Federal Reserve and CFPB to take a long, hard look into Wells Fargo and their practices and most certainly a review of their computer coding/formulas is crucial at this point.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

The following accounts are reporting as charged off on my credit report and have not sent me a 1099c and this is violation of 15usc1681e ( b ) please remove these accounts from my credit report as soon as possible # XXXX XXXX  account # XXXX account # # XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX I have also filed an ftc report # XXXX because my x wife used my social security number with out my permission while I was in hospice in XX/XX/year> and also I was victim of a data breach/identity theft.please remove the aforementioned accounts from my credit report.i have sent 10 dispute letters to XXXX transunion and XXXX since I found out my identity was stolen.these accounts are stopping me from obtaining a home and a car.
Consumer complaint received 2017-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I received a " second notice '' fro m Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX / 17  for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter is  (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX finance companies denied my application on XX/XX/year>. one being XXXX XXXX. 
this cost be XXXX hard inquiry on my credit and {$25000.00} dollars. 

the letter i received from XXXX XXXX  states a credit score of XXXX. 
they used trans union for the credit information. 

I have called TransUnion, requested what information TransUnion provided to the inquiry from XXXX XXXX, specifically what credit score as well ; they could not. 
i asked them for the reason my XXXX score fluctuated XXXX points from XXXX to XXXX, they could not. 
i asked for them to review with my how they derived my score, they could not. 

there is little insight as to how i was denied the financing. 
when discuss the matter i expressed i would like to file a complaint with a Transunion supervisor in conjunction with filing with the CFPB, they hung up on me after this request ; i was on the phone for an hour at that time.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I receive many offers for credit cards & other financial products & services from Experian via the internet. my site is  XXXX  XXXX  XXXX . I am the only person with access to my accounts or online banking, other. I respond with an application. I am always denied credit. I have excellent credit, I have existing credit cards. I am a theft victim at my primary bank,   XXXX   XXXX   XXXX  , the theft was acknowledged, it occurred from  XXXX 16- XXXX 16. I was in a facility at the time. there was theft at the teller window of my bank. this has been notorised and submitted by a judicial of the   XXXX   circuit court   XXXX   XXXX   florida  usa. t he presiding judicial is h. judge   XXXX   XXXX   the attorney is  XXXX   XXXX ,   XXXX   XXXX  ., he can confirm I have excellent credit. I am a long term victim of credit card theft & credit denial, & other financial criminal acts & hate crimes.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I paid my Santander mortgage account # XXXX by going to my local XXXX XXXX. This is how we always pay the mortgage to Santander Bank. The account # XXXX with Chase is the account I have always used to electronically pay the mortgage. The reference number Chase gave for this payment is XXXX and the amount was {$2700.00} paid. 

Since Santander Bank changed my mortgage payment by {$58.00} due to an increase in taxes, my new mortgage payment was increased to {$2800.00}. Santander Bank snet me a letter late XX/XX/XXXX that they have not received my mortgage payment for XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX, I went to XXXX XXXX and made an electronic payment to Santander in the amount of {$2800.00}. Confirmation number for this transaction was XXXX. 

During the course of a current refinance, on XX/XX/XXXX, I was informed by the loan officer, XXXX XXXX XXXX NMLS # XXXX from XXXX XXXX XXXX XXXX that Santander Bank is reporting my mortgage late for the month of XX/XX/XXXX ( 30 days ). 

After speaking with a representative by calling XXXX at XXXX XXXX, XX/XX/XXXX from Santander Bank named XXXX I was transferred over to a Supervisor. The supervisor refused to give a name of ID number and after 30 seconds the call was disconnected. 

At XXXX on XX/XX/XXXX, I called Santander Bank again at the same number, spoke to a woman named XXXX who said there is nothing that can be done so I asked for a Supervisor. After 15 minutes on hold I was connected to XXXX. 

XXXX told me after hearing my information that the {$2700.00} was held in unapplied funds account which is where mortgage payments sit until payment is made in full. I asked if this is an interest bearing account because if Santander Bank did this to numerous customers they can make a lot of money on client 's money that is " unapplied ''. They reported my account to the credit bureaus as 30 days late for XX/XX/XXXX. This is false, the mortgage was paid using the normal means ( XXXX online payment ) and my normal amount {$2700.00}. As soon as I knew the account was short I immediately paid the account for {$2800.00} on XX/XX/XXXX using reference # XXXX. 

I am being incorrectly reported to credit by Santander bank as not making a XX/XX/XXXX mortgage payment on time when in fact, I made two mortgage payment in XX/XX/XXXX. 

As of XX/XX/XXXX at XXXX XXXX, I am still on the phone with Santander Bank supervisor XXXX and have been on hold for 38 minutes waiting for a Supervisor on a higher level. 

Without Santander Bank removing the late payment to the credit bureaus I am going to suffer from a credit score decrease and more importantly, the refinance I have been doing will be dead along with the {$670.00} I will lose for the appraisal. 

Santander Bank needs to correct the reporting to the credit bureaus immediately so I can continue my refinance. 

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX email : XXXX cell : XXXX
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately.
Consumer complaint received 2018-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I originally authorized a purchase on my card to XXXX XXXX XXXX on XX/XX/XXXX for future appointments ( skincare ) and upon that purchase ( day after ) my face broke out, the company was extremely rude and condescending about appts made when they were the first ones not keeping track of appts properly. I dont trust them and fear for my health and skin if my face broke out it maybe cleanliness of the establishment. Ive attempted to get my refund from capital one but they are giving me the runaround and tried to rebill me ( XX/XX/XXXX ) from the credit issued on XX/XX/XXXX. I dont feel I should pay for servicing that werent rendered. I contacted them tonight at XXXX letting them know I dont want any of what I pay on my card toward this XXXX disputed.