davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MONEY SOURCE, INC., THE (NJ)

In XXXX XX/XX/XXXX I received a phone call from XXXX XXXX, Mortgage Loan Originator for the Money Source, who currently hold my mortgage. The call was to advise me that I qualified for a reduced rate on my mortgage and that I could refinance. The rate offered was XXXX. I currently have a rate of XXXX and that the closing would take place before XXXX. I followed all the necessary steps that was required. No closing date set. This went on for almost two months. I received an email from XXXX XXXX was to advise me that I would refinance for a 26 year mortgage instead of a 27 year mortgage, which I had no problems doing. The last notification from XXXX was on XXXX XXXX, advising that the loan would be done in XXXX as they could not close before XXXX which was the planned date. I was NEVER told that the rate would expire. He advise that right after the holiday we would be able to close. As of today, XXXX XXXX, I had not heard back from XXXX I sent an email to his account. I received a phone call from a XXXX XXXX of the Money source who advise me that XXXX was now in a leave of absence and that the rate lock had expired on XXXX/XXXXXXXX That a rate extension had been submitted but it had been DENIED. 
Please note the following : I was never notified that the rate had not been extended as XXXX XXXX did not advise me of that face. Secondly, No one at the Money Source had the professional courtesy of calling, writing, emailing or even texting me of the above set forth. 
I am of the opinion that the money source has acted in bad faith. They have taken advantage of the fact that the interest rates were going to go up and dragged this refinance account through the beginning of XXXX to then advise that it was denied, when through the months of XXXX until XXXX it was available. 
XXXX XXXX also felt the need to advise me that if I were his client, he would have made sure that I knew in advance of what was happening. Furthermore, that I was not the only XXXX left in this predicament. 
I continue to have my mortgage with them and am in good standing with them but they have certainly left a very bad taste.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I told the customer service employee representative and I have been a VICTIM of their inquiry issue. I listed my inquiries that I would like to be deleted, and their customer service at Transunion would not help and take care of the negative inquiries reporting to your credit report. My inquiries are ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

Equifax wrongfully accepted an inaccurate claim submitted by a collection agency, XXXX XXXX XXXX, XX/XX/XXXX. The claim contains incorrect information which was reported to both Equifax and to XXXX. They ignore my repeated attempts to correct this matter. 
I contacted Equifax on : XX/XX/XXXX ( XXXX - supervisor ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX -hung up on me ) then ( XXXX-was abusive ) then XXXX in Nevada . He said my only option is to call XXXX to have them send a retraction on claim. He didnt care when I told him XXXX would not talk with me. 
Filed a verbal dispute with Equifax on XX/XX/XXXX against XXXX. The details I gave the person at Equifax regarding the dispute were not the same as what was listed in the dispute report. Instead of using my dispute claim of " incorrect information " on the claim, the Equifax person submitted dispute for 'verification only. ' Furthermore, this was incorrectly submitted to the wrong party ' XXXX XXXX ' who, no longer has any ownership in this matter. 
This was resulted in not addressing any of the factual information I had provided and gave a response that did not address the issue. 
All this was confirmed by a XXXX XXXX supervisor at Equifax on XX/XX/XXXX when I called in for an update on my dispute. I resubmitted the verbal dispute with XXXX XXXX to include all the factual information and, to be submitted to XXXX. 
XXXX did not address anything in the dispute and only gave the same meaningless reply of : " We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. 
Equifax is not making any effort to ensure the information reported on their reports is accurate. They admit they do n't care about their policy of allowing invalid negative information being used against account holders and, that they publicly post bogus inaccurate & damaging information to which its your burden to prove yourself innocent! 
This is a scam when they now ignore you and, refuse to even address the facts that were provided in the dispute. This is proven by their 'dispute results ' not mentioning anything about their claim : using incorrect XXXX codes and, my signed admission documents stating no charges can be made on procedures that are n't 'pre-approved ' by me and, no procedures were pre-approved. XXXX has these documents which were provided to them when taking ownership of this claim.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

I had previously opened a simple checking account at Wells Fargo. Soon after, during a visit to the branch I was approached with the recommendation of opening XXXX separate accounts! They convinced me to open a separate account for each and every rental house I own. They spoke of tax benefits and gold memberships and things that did n't make much sense but they sold me, after I made sure there were no fees attached to these accounts. I specifically never open accounts that will charge me fees. Never. And I would never ever open XXXX accounts with fees!! I was assured by XXXX XXXX that no fees would be charged to these XXXX checking accounts. I found XXXX checking accounts to be cumbersome, confusing and impossible to manage, and worse, after three months had passed, I began to notice service fees being taken out of XXXX of those accounts!! I was furious! I went back to XXXX XXXX who convinced me to open all these accounts, and demanded to know why they were charging fees when she specifically promised me there would be no fees. She had the audacity to tell me it 's just the first three months in which no fees are charged, but after three months the fees start. No way had she ever told me this. This woman straight up lied to me. She specifically told me no fees would be charged. NO way would I have opened XXXX extra checking accounts that I did not need, and pay XXXX times the fees. I was lied to and cheated, I was used to boost the bank 's new account ratings and stock prices. I was a pawn, not a customer. I was used and cheated by Wells Fargo Bank.
Consumer complaint received 2017-01-06
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (GA)

The company is CREDENCE, the letter head address is bogus. It is a company in Texas, but difficult to understand foreign speakers. I have tried to send notification in writing and received a return to sender. However, since XX/XX/XXXX I have made payments to this same address and the payments are accepted. The above number is a fax number. They charge late fees and the balance grows.Current balance is XXXX with XXXX in interest for a total {$1000.00}. i pay them XXXX mo It is a medical bill from an ambulance provider for my child .The balance does not go down but continues to increase. They send correspondance every 60 days or so. 
I have talked to several represenatives who tell me that the late charges and the calls will continue, if I do n't pay then what they demand. I have several bills from this incidence and I pay them regularly what I can afford, but they want twice the amount. 
I ca n't afford what they want. I tried to write them to get a payment plan and my letter was returned. Recently I had one of them to tell me to have my daughter fax them a letter stating that they can talk to me about the bill. They demand my daughter 's cell phone number, she is a XXXX and will not be able to pay them. She do not have a job and therefore can not pay them. They call from different numbers, to include XXXX, XXXX,XXXX, XXXX and sometimes local numbers They call three times a day on weekends. promptly at XXXX to XXXX. I have advised them that this is harassment, but the calls continue.
Consumer complaint received 2015-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Williams & Fudge, Inc (CA)

I attended XXXX University trying to earn my XXXX degree in XXXX with my last registered class XX/XX/XXXX. I became unable to work XX/XX/XXXX. XX/XX/XXXX, Social Security formally approved my permanent XXXX. I am unable to work, unable to complete my XXXX, and unable to pay for the school loans. XXXX approved the attendance and financing. I was unaware that I reached individual federal maximum loan amounts. XXXX began sending me late payment notices. I contacted XXXX finance dept, explained what was happening with my health and medical XXXX. To this day, I have requested assistance due to my inability to pay to Williams & Fudge. XXXX approved the XXXX XX/XX/XXXX and i am no longer paying on my federal student loans. Can you help facilitate the conversation? The reps I 've worked with have become rude and after explaining my situation, I was not heard and told to pay no matter what. I informed them that I am mentally XXXX and that they were talking loudly and rudely. I have not picked up their calls since and now reaching out to you.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (IL)

I went to Experian in search of a free credit report, which I have since learned is not available directly through the reporting agency. I registered for a {$1.00} Experian Credit Report on XXXX XXXX, 2016 and was pleased with the result. After receiving XXXX separate marketing emails over the next two weeks, I went to unsubscribe and found that I had an active, recurrent membership at a cost of approximately {$22.00} per month. I immediately cancelled my membership and called customer support to waive the fee, as I did not know I was enrolled in a monthly reporting package. 
Customer support informed me that the {$1.00} report I signed up for included an automatic enrollment in the monthly service ( again, at XXXX the initial cost ) and that I had missed the seven day window to cancel service. When I did go to cancel service, it was both difficult to find and required multiple logins ( in contrast to the registration ). I found that Experian did, in fact, state that I would be enrolled in the Terms & Conditions, but had not highlighted the charges in the initial service I signed up for nor in any of the XXXX subsequent emails. I am fortunate to be in a position to write off a {$22.00} fee as a learning experience, but feel intentionally misled by the {$1.00} upfront cost for what was marketed as a one-time report. While I believe the credit information issued was accurate, it was not clear to me that the report was only an estimate provided by Experian, and not an official report. Based on my experience, I believe Experian 's business practices merit a second look, and that they have engaged in similar predatory behaviors as XXXX and XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Block Request- ( XXXXXXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$310.00} ) ( XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$0.00} ), ( XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX AMOUNT {$350.00}, ( XXXXXXXX XXXX XXXX DATE OPEN XX/XX/XXXX AMOUNT {$370.00} ). 
INQUIRES - XXXX XXXX Dear Sir or Madam : I am a victim of XXXXXXXX  The information listed below, which appears on my credit report, is the result of that trafficking. 
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 
INQUIRES - XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act
Consumer complaint received 2017-01-06
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

My father had a reverse mortgage with Wells Fargo Bank N.A . My attempts to call went a specialist assigned to my account usually went unreturned. I managed to get a payoff quote by faxing a request along with the required documentation. I received a payoff quote directly from Wells Fargo with specific instructions and a deadline. I followed those instructions and wired the funds on the payoff quote to the account given. I filled out the transmittal form and faxed it immediately after the funds were wired. I had received a similar payoff quote from a law firm stating that it represented Wells Fargo. It had the same amount but added an attorney fee. When I called Wells Fargo customer service to inquire why I got the attorney letter since I still had almost 3 weeks until the deadline, the service representative told me to disregard it and that call was recorded as every conversation is. She told me to follow the instructions on the quote from Wells Fargo. Wells Fargo had the funds two days prior to the deadline but returned them to my account on the afternoon of the deadline. When I called, I was told that they could not help me since it had been turned over to the attorney. I told them I was following instructions their instructions but they were not willing to help. In other words, they had the money per their own instructions by the deadline. I had even called both customer service and the specialist assigned to me to let them know I was wiring funds the next day. I called both and let them know after the funds were wired. Customer service told me notes would be made in the account, my specialist did not return either call. Now, it is after the deadline, they will not accept the payoff. I was informed that I must go through the attorneys and now on top of the extra {$400.00} added to the payoff, I 'm sure there will be even more late fees even though Wells Fargo had the money before the deadline in the amount on their payoff quote.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I paid off my credit card in full on XX/XX/XXXX with Bank of America on a closed account. On XX/XX/XXXX I received a bill from Bank of America for {$1.00} cents. When I called to ask were this charge came from the phone rep said it 's the minimum charge for all credit cards. I told her that my account was paid in full on XX/XX/XXXX and has been closed for over 10 months. She said that makes no difference and if I do n't pay the {$1.00} I will be charged a {$37.00} late fee for every month it 's not paid. I checked the statement they provide online and it does n't show anywhere this {$1.00} came from. How can I be charged a minimum charge on a card that 's been closed for ten months.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION (GA)

Despite providing all necessary documentation and repeatedly communicating with Penfed  representatives, PenFed added Incorrect charge ( CPI ), inflated my monthly payment and when I didn't agree with their assessment, they continued to add fees, send bad report to Credit Bureaus repeatedly damaging my credit. The details are listed below : Incorrect CPI Charges and Late Fees : PenFed  wrongfully added Collateral Protection Insurance ( CPI ) charges to my account due to an alleged lapse in coverage, which has already been disproven by the timely submission of my insurance documents. These incorrect charges led to inflated payment amounts and late fees, which I do not owe. 

Failure to Update Account After Refund Issued : Although I was informed that a refund was issued several days ago, PenFed has yet to adjust my account balance or payment amount. I continue to be charged inflated payments due to this delay, resulting in further financial stress. 

Negative Credit Reporting : PenFed has been sending erroneous credit reporting for more than 8 times to Credit Bureaus. Their representatives have stated that negative credit reporting and late fees will continue until the refund is processed from their Insurance Provider ( For the Incorrect charges they added on my account ). This is unacceptable, as I have met all my obligations. Incorrectly reporting my account as delinquent is a violation of the Fair Credit Reporting Act and has already caused harm to my credit score.

Lack of Resolution : Despite their representatives confirmation, including XXXX XXXX and XXXX XXXX, acknowledging the errors, there has been no timely resolution. This negligence has caused ongoing financial hardship, and I am being unjustly penalized for mistakes made by PenFed. Until the submission of this letter, my account shows as delinquent even though I am paying the original agreed amount. 
Not only that Penfed has sent me a letter to repossess my vehicle in addition to making this error and lack of action on my account after they have received all the information from me and their Insurance provider.

Recently, they told me they would reverse the fees but my account will remain delinquent until they have received CPI refund from their Insurance. If this CFBP complaint does not result in a resolution as stated below, I will be forced to present my case against penfed through other legal means
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I have a Kohl 's credit card ( managed by Capital One ) account with automatic bill pay set up. The bill pay was rejected by Kohl 's. I called for an explanation, because as far as I can tell the information was entered correctly. Kohl 's told me to contact my bank to confirm that. I called XXXX XXXX XXXX to confirm that my account was correct, but found that when I logged into the Kohl 's online interface, while I could see my full routing number, I could only see the last XXXX digits of my bank account. XXXX XXXX XXXX suggested that I call Kohl 's for the full information that I gave them. I called Kohl 's back and they told me there is no way for me to find out what information I typed in there and they could not tell me because they themselves could only see what I see. They can only tell me the final XXXX digits of my account. Without being able to check if the bank information I entered into my Kohl 's account is correct, I am unable to investigate this matter further on my own as to why the payment did not go through. How can a company like Kohl 's withold my own personal information from me that I gave to them? After I gave them the required identifying information to prove that it was my Kohl 's account? I do n't want this negative information on my credit report, but neither company is helping me find out what really happened, if it was indeed mis-entered information or if there is a mistake on their end. I feel totally disempowered.
Consumer complaint received 2017-03-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc. (KY)

Hello I have a credict card that I have always paid in time but when applied to others theaswer is negative by claiming a disgusting track record that is not true I found out about that account and it was a mistake that someone commited with my son 's XXXX account and now this messes up my record.This disgust me a lot and I want some one to fix this
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MD)

XXXX, XXXX dba XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX, Telephone XXXX, is acting as a Consumer Credit Reporting Agency and refused to follow the FCRA. My recent application for an apartment rental was denied based on inaccurate data contained and reported by XXXX, XXXX. In addition, this company has refused to provide a copy of the consumer credit report used to based their decision, refused to allow me to dispute any inaccuracies or information contained in the report. 
XXXX, XXXX is reporting a non-existing collection item and telling their client the information is on my Experian Credit report and coming from a Experian product that screens tenant selection. According to Experian no such item is currently showing my credit report. I have ask Experian and XXXX XXXX to provide a copy of this report and to date both companies have refused to supply a report or disclose the source of the inaccurate information. Experian also is refusing to explain why the consumer credit report is showing no such information, but other products sold or credit reporting companies acting on behalf of Experian is reporting inaccurate information.
Consumer complaint received 2017-01-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (GA)

I was served and went to court on for a credit card debt and I was garnished. The issue is it is my understanding when I went to court I disputed that the debt was too old or that there was credit protection on this account, I am still not sure if it was from Providian or Bank XXXX. I am sure that I did not own $ XXXX. I have been garnished and I did not work the majority of last year being I was treating for XXXX XXXX. I am a senior and I do not know when I am returning to work but I would like to have this off of my credit report.