davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: OVM FINANCIAL, INC (AR)

Me and my husband were living in Arkansas at the time and trying to find a home in Virginia so we went on XXXX found a agent on there who showed us properties over XXXX. On XX/XX/2020 we found a house we liked and saw it over XXXX with our realtor who said the house was absolutely lovely and nothing was wrong with it. So we put an offer on the house {$170000.00} our offer got approved and we moved on to starting the contract that week. We came to Virginia XX/XX/2020 and saw the house XX/XX/2020 @ XXXX and it was not what we saw on XXXX. The vinyl outside the house is bowed out bad and the main floors inside are warped and have water damage and have sinking spots all in the main floor of house. The house has cracks all in the walls, kitchen cabinets have mold all in from water damage, upstairs has carpet but under carpet is ply wood in pieces that is soft and unstable in some spots. Front porch is leaning to the left side with a sage in the middle. They gave us the inspection report after we signed all the contracts so we never got to see what all they had done. They said they had bought everything and fixed it all but they didnt fix the floors or outside vinyl. Inspection states that there is rotted wood under main floor as to why it was sagging. We told our agent that we dont want this house bc of all the damage and false advertising of house and them saying they fixed everything and did not. Our agent didnt start the process for us to get out of contract till after XXXX  even tho she could have started it that day when we told her no to the house. XX/XX/XXXX we signed the release form. We then got another email from our agent saying the seller will not sign the release form and has legal counsel and an attorney and wants her 3 % of the house for taking off the listing because she had 4 other offers she could have taken. So now we are trying to figure out what to do.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into Equifax procedure of removing satisfied judgments. The Plaintiff ask for {$4200.00} you can see that at the top. Please pay close attention to the document you can clearly see that I only owe {$420.00}. The Judge only awarded them {$420.00} and below you can see my counter payments I made to the bill.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I understood that Wells Fargo would stop the repeated problem with my name and multiple addresses and identity theft, but I was wrong. I have spent 100+ hours trying to get WFC to fix their problem. Last week I thought it was over, but I continue to eventually receive mail, with my name, that goes to an address where I never lived. I have tried, since 2014! It was my understanding that accepting the $ would finally stop the Wells Fargo HARASSMENT. It has not. I have worked with XXXX ( she is great ) and she thinks it is a problem at the retail store level. I went to the retail store and the issue was " escalated. '' But the problems continue. I do not have any accounts with Well Fargo and do not want any mailings, especially going to the wrong address. I refused to give the branch a copy of my drivers license. BTW, the branch Manager did a good job in trying to help and it certainly is not his fault. In addition to the mail from Wells Fargo, last evening, I received a text from Wells Fargo Card Services about " suspicious transactions '' about my debit card that I do not have??? Very few have this phone number but once I gave it to the local WF Branch, now it appears to be compromised.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One has refused to credit my account and have rebilled my account for erroneous charges. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ; ... XXXX {$89.00}. Open Drawer XX/XX/2016 INTEREST CHARGE : PURCHASES Interest Charge ... XXXX {$63.00}. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ... XXXX {$86.00}. XX/XX/2016 Merchandise TRANSACTION REBILL Merchandise ... XXXX {$170.00}. All these charges have been rebilled to me and they have applied interest to my account for about {$340.00}.
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

XXXX XX/XX/2021, XXXX ( XXXX XXXX XXXX. My account ( PAYPAL ) got banned ( permanent limit ). They emailed me that, " You can no longer do business with PayPal '' Because of that, my hard earned money got hold in my paypal wallet. It is very unfair that they did not allowed me to explain. And very very unfair, after they earned in every single transaction I made. They Limit my account without consideration and they hold my HARD EARNED MONEY. We are now in pandemic. I'm very upset to what happened. Because of pandemic, Virtual sending money is necessary right now. 

If paypal don't like me to be their customer anymore, at least let me get my HARD EARNED money. My father is XXXX XXXX right now, I am the one who paid medicine. 

my paypal account XXXX XXXX
Consumer complaint received 2021-09-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( Equifax ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc. (TX)

I sent an email requesting MIB to freeze my credit report.

MIB then responded saying this was not possible since they are not a credit report company.

This is false and obvious deceptive practices. I simply want them to make my information inaccessible by their system where a 3rd party company can not use my information without my consent.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (MD)

The bank JP Morgan on the recording on the phone number on the back of the credit that was given to me from JP Morgan stated that I owed XXXX on my account on XX/XX/2018 I sent XXXX XX/XX/2018 XXXX XXXX XXXX  JPMORGAN CHASE PAYMENT $ XXXX- copied from my personel Bank XXXX . I have asked JP Morgan about the funds and they don't know anything about it, then I asked why do I have a credit- JP Morgan said they don't know why, so I have requested my XXXX  back and they have given me the run around.
Consumer complaint received 2016-05-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (TX)

I am a victim of ID theft and have a case on file with the XXXX Sheriff 's Dept. Case # XXXX and with the FTC # XXXX. I am requesting documents related to this fraudulent activity under the Fair Credit Reporting Act ( FCRA ). This act states " A creditor or other business must give you copies of applications and other business records related to transactions and accounts that resulted from the theft of your identity, if you ask them in writing ''. I have confirmed this requirement with the FTC ( XXXX ) and the Consumer Financial Protection Bureau ( XXXX ). This letter is an official request for documents related to fraudulent applications related to the theft of my identity. On XXXX/XXXX/XXXX a fraudulent application for credit was placed in my name at Macy 's at the XXXX XXXX and I would like a copy of that application mailed to me at the address above in accordance with FCRA. This is a follow up to complaint # XXXX filed with the Consumer Financial Protection Bureau on XXXX/XXXX/XXXX
Consumer complaint received 2017-01-10
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

It has been brought to my attention by way of my credit reports ( XXXX, XXXX, XXXX ) that an alleged amount is owed on a debt to XXXX XXXX XXXX and Santander Consumer USA .... 
Per my credit reports ( XXXX, XXXX, XXXX ), Santander Consumer USA closed and charged off this account XX/XX/XXXX then showing a payment of {$62.00} was made XX/XX/XXXX. 
Understanding the credit report says closed and charged off XX/XX/XXXX, so how could a payment of {$62.00} be made XX/XX/XXXX to Santander Consumer USA? 
I am filing a complaint for this inaccurate information being reported on all XXXX of my credit reports that is affecting my creditworthiness, according to Fair Credit Reporting Act, 15 U.S.C. 1681 consumer files are to be promoted with accuracy and fairness. Therefore, please delete the entire account from all XXXX credit reports ( XXXX, XXXX, XXXX ).
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GreenSky, LLC (VA)

On XX/XX/2019, I mailed a cease and desist communication certified letter to XXXX XXXX XXXX   Project Loan Department. On XX/XX/2019, the document was delivered to their office at XXXX XXXX. On XX/XX/2019, and XX/XX/2019, their company violated the Fair Debt Collections Practicing Act by calling me. I have attached a copy of their incoming calls, cease and desist letter, and other pertinent documents to this complaint.
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (LA)

Requested that a manager calls me back several days ago and left a voice mail with the reconsideration department and no one has given me a call back. constantly being declined credit limit increases with the denial reason, " this account has received too many credit limit increases, '' when only one small increase has been given. the customer service is POOR.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Receivable Management Services LLC (MO)

I received a request for payment of an account that was placed in collections for which I 'd never received a bill. I was never notified that I would be required to repay the tuition reimbursement I received from a former employer, XXXX XXXX, nor was I notified that this 'debt ' was getting sent to a collection agency.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Karma (NY)

On Saturday XX/XX/2019 : According to an email from Credit Karma, my XXXX credit report, stated that someone added me as an authorized user of their account with XXXX XXXX and I did not consent that or know who added me to their account with XXXX XXXX. 

Also a credit card application for a XXXX XXXX card was filled out without my consent and I received an email that denied the application. 

I need help to see where and how this occurred and what steps need to be taken to fix these situations. 

Thank you.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

So I went and bought a XXXX in 2015 capitol one approved me for loan do n't no if it was a credit card or a auto loan I believe a credit card so I got into a accident insurance paid for some of damages and basically I sent check to capitol one to pay off debt on XXXX they closed my account damaged my credit deliberately saying it 's because I went 30fays past due more than once but actually that 's not the reason the real reason is because I paid off more than half the debt if u check into it u will c XXXX is about when I sent in check to pay off most of debt so they closed acct these practices of closing accounts when I 'm still paying on loan should not be able to happen to consumers also I never received statements for almost a year they did n't send me any correspondence to the closing of acct
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (WI)

This has been an ongoing issue. I had a Bank of the West checking account around the years of XXXX. I moved out of the area and had closed the account. Around XXXX/XXXX/2012 I received a call that I had an outstanding debt to Bank of the West in the amount of {$390.00}. The collection agency was " XXXX '' out of XXXX XXXX, CA. Upon receiving their call I immediately called Bank of the West ( which I am sure was a recorded phone call ) I talked to several people there assuring me that I did not owe Bank of the West any money and that my account was closed in good standing. Interestingly enough after that day I did not receive any further collection calls regarding the issue. However I check my credit reports today and it is still showing up damaging my score. This was not ever a debt, I do not know how it showed up there. I have tried to contact the collection agency several times and they can never find my information, almost like it never existed, but sure enough there is sits on my report. I would like this information removed from my credit reports.
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (MO)

I have tried to dispute these inquiries with Equifax on XX/XX/19, they have refused to delete each and every last one of the unauthorized inquiries by saying they were factual with no written proof/signatures that I authorized these inquires on my report. Saying they are factual is not sufficient enough investigation as to them being factual.
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant Mercantile Agency (CA)

Disputed account with all XXXX credit bureaus, requested debt validation under the FDCPA and they have not validated the deb but continue to validate the dispute with the credit bureaus which is a violation under the FCRA. They have not provided any proof consent given to share or obtain private and protected medical information under the medical bills act.
Consumer complaint received 2016-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

We refinanced our condo in XX/XX/XXXX for {$50000.00} using ocwen loan servicing. In XX/XX/XXXX due to an income reduction we fell behind approxiamately XXXX or XXXX months. Using the HAMP program we were given a proposal for a loan modification. When I inquired from an abroad ( not in usa ) phone agent about principal reduction or fees waiver I was told that if we wanted either we would have to start the process over again. Feeling pressured that if we did n't accept we would be viewed negatively as not accepting the HAMP program. So we accepted the modification & the interest rate went from XXXX % to XXXX % & the monthly payment went down at most XXXX XXXX As a result after XXXX years of payments the principal is approximately XXXX $ with a ballon due in XXXX of approximately XXXX XXXX So after XXXX years of payments we have reduced the XXXX $ refinance by less than XXXX $ and still owe over XXXX XXXX This may be legal but it does n't seem moral or ethical for a XXXX dollar organization to take advantage of a seniors couple in financial straits.
Consumer complaint received 2016-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I 've disputed 2 public records with Equifaxfor 7 months now and they are reporting information that clearly is not correct. Each month I send a copy of the public records page of my credit report that proves that are reporting a court name that is invalid along with other information such as filing dates that DO N'T EXIST and they do nothing to assist me! Here is the information that I am disputing and I require that they remove this obviously inaccurate information : XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$0.00} when you are reporting this as {$26000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX CT XXXX # 1 once again I 'm sending you proof that the balance should be {$XXXX} when you are reporting this as {$43000.00} # 2 you have an non-existent date of " XX/XX/XXXX '' and I 've sent this proof 4 times already! Remove this immediately! 
# 3 You do not have a plaintiff # 4 the reference # is inaccurate # 5 the court is listed incorrectly as " XXXX '' - this must be listed accurately and correctly and this is not a court name # 6 the balance is not listed accurately XXXX XXXX XXXX shows an open date of XX/XX/XXXX Equifax shows XX/XX/XXXX and XXXX shows XX/XX/XXXX XXXX shows 180m Equifax shows 15y and XXXX shows 10m XXXX/Equifax/XXXX show no high balance, no type, no monthly payment *This account shows that it has not been updated since XX/XX/XXXX! This means that you have not investigated this account whatsoever and that you are in violation of the FCRA! 
No payment history is listed No high balance No monthly payment
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Equifax refuses to properly report my student loans with XXXX and Department of Education/XXXX as being paid in full, closed, in good standing, with XXXX. I have provided extensive documentary proof numerous times but Equifax continues to stubbornly refuse to properly report these loans.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian numerous times to have items deleted. There are XXXX negative accounts still reporting that clearly violate the 7 year fair reporting act but Experian refuses to discuss this any further. If I do not have this information removed in a timely manner as per the 7 year fair reporting act I will have no other choice but to proceed with legal action. Please review this case as the 2 reporting accounts have clearly surpassed the 7 year reporting requirement thank you.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (NJ)

I've been using XXXX  for a few months now ( Since XX/XX/2019 ). I use the feature called " round-ups '' that takes the remaining amount per dollar and puts it in a savings account. I was notified that my card was no longer linked so I went online to update my info ( I assumed it was because I had gotten a new ATM card ). Although when I tried to update my information i was notified that PNC was the reason it was not working as they have " taken away '' permissions from the XXXX platform. I was then directed here to file a complaint. I am curious to know when this was stopped, and also why? 


Thank You!