davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (IA)

On XX/XX/2018 I received a letter from Diversified Consultants, INC stating that I owed a debt to XXXX XXXX XXXX, on the letter head it shows the letter dated on XX/XX/2018 this is 11 days past what is allowed by Fair Debt Collection Practices Act. This is a clear violation of the law.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been a long time customer of capital one and maintain a large portion of my savings there. Rather than increase the interest rate on their existing savings account they created a new product with a very similar name and applied a higher rate of interest to it. Existing savings account holders are thinking they are receiving this higher rate as the name of the new product is very similar and why wouldn't be receiving the higher interest rate? Rates have certainly been going up over the last year. Capital one 's only objective in creating this product was to dupe existing account holders into receiving a non-market rate of interest. 
Why not just offer the higher rate on the existing account? BECAUSE they are ripping off existing customers by paying them a low rate of interest.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (MN)

Three accounts opened online in XX/XX/2018 with {$1000.00} each for a total of {$3000.00}. BMO has frozen accounts and continues to charge {$7.00} in fees per month while I have no access to my funds. Multiple 30 minute phone calls with BMO customer service and no resolution. Advised to call 'XXXX  XXXX. ' in fraud department, called and left message with my call not returned. Received email asking for documents to proof identity, returned email with all requested documents in a timely manner. No response. 

Went into branch on XX/XX/18 to verify identity and resolve but the branch was also unable to unfreeze my account and refused to refund the fees that continued to accrue. Asked if I could just close my accounts and get back my {$3000.00} deposit but was told the {$14.00} in fees will not be returned. 

Unacceptable to freeze account, charge fees and refuse to unfreeze account even after identity verification completed in branch.
Consumer complaint received 2017-06-27
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. (MD)

I have contacted Equifax once a month sinceXX/XX/XXXX after my credit report is updated, using their consumer complaint as well as through XXXX XXXX requesting that a paid closed account be removed from my credit report with no response and no resolution. I was told by the company in which I had the debt back in XXXX to allow at least 60 days for it to be removed. It indeed reflected paid/closed and then ultimately removed from my report by the other bureaus. My credit report shows no activity and no new reports from the Company XXXX XXXX XXXX XXXX XXXX XXXX for this account sinceXX/XX/XXXX when it was reported as paid in full. This item is listed as derogatory, is keeping my credit score under 600 and preventing me from building and getting new credit.
Consumer complaint received 2018-10-26
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: HSBC NORTH AMERICA HOLDINGS INC. (IL)

In XXXX I received a solicitation for a HSBC Cash Rewards credit card. I fulfilled the {$500.00} spend requirement in the first statement cycle and as of today the advertised {$150.00} bonus was not credited to my account. However I have noticed in points category the increase of the points pointing to the some type of credit being given. I attempted to contact the HSBC twice about this each time holding in excess of 30 and 24 minutes respectively however I wasn't able to get anyone on the line. My husband complained to the company 's executive office ( he's a journalist ) however beside a form letter promising to look at the issue ( ASAP ) nothing has been resolved and done.

The letter sent to me specifies {$150.00} welcome bonus in cash back and not points that I can not use. I appreciate the bank to issue the {$150.00} credit to my balance.
Consumer complaint received 2018-10-27
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: TD BANK US HOLDING COMPANY (CA)

My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX at the XXXX XXXX XXXX XXXX. 
They told me I was approved for credit and I signed the financing documents. 
My original Creditor was XXXX/XXXX  bank but in XXXX of XXXX it was transferred to XXXX XXXX. 

My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX Dealership and only authorized the one credit check which they said was approved. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX The XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved. 

I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (PA)

LJ Ross partial account # XXXX WHO ARE THESE PEOPLE? I keep seeing LJ Ross on my report as of mid 2017. Shows a collection balance of {$830.00} XXXX? 

I had to XXXX XXXX, they are a utility service provider. 

Considering I have lived at my current address for almost 4 years, and we do not have a utility provider of XXXX ... WHO DOES THIS BELONG TO?? 

I have repeatedly communicated with all 3 bureaus disputing it's removal and sent a letter to LJ Ross with no response trying to receive paperwork, identification, something.

This is not my account, I have not received any sort of paperwork on this, I do not have gas or electric utilities through XXXX, they are not even a servicer in the area I live!
Consumer complaint received 2018-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This inquiry is shown on my credit report : New Inquiry Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : XXXX Phone : ( XXXX ) XXXX Type of Industry : Utilities & Fuel Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX I called XXXX and they confirmed that I do not have an account with them. They have no knowledge of this inquiry. The representative suggested I file a complaint with consumerfinance.gov.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I made a payment on my XXXX XXXX credit card on XX/XX/18 for the current balance. On XX/XX/18 the automatic payment drafted resulting in a double charge on my account. There was no notification when I made my payment that it would result in the automatic payment still being collected. I called to request a refund and was told they can only issue me a check for the overcharge and it would arrive in 5-15 days. I inquired whether they could just refund the payment and they declined. I find it absolutely unacceptable that they would double charge my account without notification -- effectively stealing from me. To wait 5-15 days to get my money back is absurd, it should have be rectified immediately.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo had a promotion of {$250.00} if I open new checking account prior to XX/XX/XXXX and made a qualify deposit of greater than {$500.00}. On XX/XX/XXXX I opened checking account with and made direct deposit on ( XX/XX/XXXX and XX/XX/XXXX ). I had yet to receive the {$250.00} that was advertised.
Consumer complaint received 2018-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2018, I sent a certified letter disputing multiple inquires on my credit reports. Trans union was previously notified about the Identity theft. I detail out names and dated of inquiries that are not mine. I also disputed a Bankruptcy and sent in a letter from the bankruptcy court that they do not report information to any credit reporting agency so please remove this information. I spoke with a XXXX and she informed me even though she see it noted about my Identity theft they will not remove the hard inquires. I pointed out how someone applied to the same company multiple times who in their right mind would do that. I just want the incorrect information removed. The last time this happen I had to file a complainant in order to get the information off. This should not be the process. This has an adverse effect on my life and livelihood. and if i am unable to get this information removed I will seek legal action. I have evidence of such, via certified mail receipt, I am maintaining a careful record of my communication with Transunion for the purpose of filing a complaint with the Attorney General Office, should this non compliance of the federal law under the fair debt collection practice act, the fair credit reporting act I remand you that as in XXXX v. Trans Union Corp No. XXXX you may be liable for your willful no compliance Any other action against your company I will be seeking {$1000.00} per violation for defamation, Negligent enablement of identity fraud and Violation of the fair credit reporting act.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/18 I was depositing {$500.00} into my account at a Chase ATM location on XXXX XXXX XXXX  XXXX, XXXX Ca. When the ATM asked me to insert the money I did so and it rejected one of my {$20.00} bills. When it asked me if I wanted to deposit more I said yes. Then I finished my transaction and I asked for a printed receipt. When the receipt printed the atm only gave me credit for {$20.00}. I went straight to the XXXX XXXX branch to make a claim. The teller told me that they would credit my account and investigate. On XXXX I received a letter saying they couldnt find the money and I would be deducted that credit. When I went back to claim that it was wrong the employee over at the XXXX location claimed that they have had problems similar to this at that ATM.
Consumer complaint received 2018-10-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've disputed Transunion for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.
Consumer complaint received 2018-10-29
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: Experian Information Solutions Inc. (TX)

Was shopping for refinance loan on my home, XXXX XXXX  informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have been a Victim of Identity Theft. I have asked Experian to remove a Fraudulent account Listed On my credit file. The Name of the Account is XXXX XXXX Account XXXX is XXXX, this collection does not belong to me and must be removed. 
Despite Six written requests to Experian, the unverified Fraudulent item listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Experian first investigation and subsequent reinvestigation, Experian stated in writing that they verified that this item is being reported correctly? Who verified this account? Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) Experian has failed to prove that this fraudulent collection account belongs to me, therefore, Experian must remove this account. 

I am attaching XXXX XXXX XXXX XXXX XXXX XXXX. XXXX where it shows that a fraud case is on file in XXXX XXXX XXXX Virginia. 
I am also attaching my Drivers license and social security card for proof of Identity. 

I am also attaching the responding letter that Experian has send me without any proof of verification ( a consumer contract with my signature on it ) Please Help!
Consumer complaint received 2018-10-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

We are filing this complaint against XXXX, who violated their RMBS agreement with the federal government when they bought a HELOC debt from XXXX. 

They were obligated to negotiate a settlement fairly, but instead, instigated foreclosure in the midst of us applying for a negotiation, they committed modification fraud with false amounts, outrageously false property values, when we complained about their servicer Rushmore Loan Management to CFPF, Rushmore lied in their response to CFPB and submitted false documents to the CFPS, and then we were suddenly advised that this false debt amount they attribute to us, had been sold to XXXX XXXX XXXX, and then we received another notice that it was sold to a XXXX XXXX in Arizona. Essentially XXXX never met their RMBS obligation to offer fair relief, which they were obligated to do. Instead, they threatened us and has no intention of fair settlement, and have since cost us much more in legal fees and more. 

Regardless, XXXX only notified us a month after they sold the debt, that it had been sold, and we received two conflicting letters about the new owner of the debt, so we have no idea who actually owns it, but one of them has attorneys sending us threatening forceclosure documents. We also received conflicting contact addresses. 

XXXX aka XXXX XXXX, was obligated under the RMBS agreement to offer relief for debts they purchased from XXXX, instead committed modification fraud, false attempts at modification, lied to us, threatened us inappropriately, falsely sent an appraiser, who told us she had been hired to take photos to sell the house, not appraise. etc.. started foreclosure proceedings while they were pretending to negotiate a settlement, falsely appraised property ignoring legal issues attached, and boundary disputes, and threatened to sell our home, falsely reported amounts owed to credit bureau, and finally sold the " debt '' wildly false amount to different entities, who are now both harassing us, and threatening foreclosure, and XXXX never notified us that they had sold us, until a month after the alleged sales of the same debt to two different trusts? 

XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (FL)

applied multiple times for credit line increase XXXX XXXX continues to deny me great long standing with the company other credit cards limit as high as XXXX but XXXX XXXX remains at XXXX
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

1. XXXX  XXXX Upon reviewing my credit report XXXX XXXX ( XXXX XXXX XXXX ) was listed as in default. 
This acct. was supposedly opened on XX/XX/XXXX And reported to credit bureaus on XX/XX/XXXX its listed as a one month term? for {$390.00} this is not my debt. Ive been with my current provider for several years. Please remove this account from all credit reporting agencies pertaining to me. This is a fraudulent claim. 

2. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Resurgent are all listed as separate entities attempting to collect credit card debt. XXXX lists as me owing {$750.00} XXXX XXXX XXXX lists as owing {$640.00}. In reality it is one debt, but listing separately harms my credit report as it appears that I owe several accounts. On XX/XX/XXXX at XXXX XXXX., I spoke with Mr. XXXX of XXXX XXXX he could not tell me when acct. was opened, but I was told that this credit card debt is currently listed with them, they represent XXXX XXXX XXXX. My report should list XXXX Only ( not other three accounts ). Mr. XXXX asked me to fax my XXXX information so this can be resolved. I faxed it on XX/XX/XXXX. 

Please remove XXXX XXXX XXXX, XXXX XXXX  XXXX and Resurgent from my credit files. As it appears I owe several accounts which is false reporting. 

Thank you XXXX XXXX
Consumer complaint received 2018-10-30
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: Experian Information Solutions Inc. (CA)

About a month ago, I wrote to all three credit bureaus to let them know that there are three student loan accounts showing on my credit report which are not mine. I called XXXX and XXXX XXXX but they could not find any loan associated with my social security number -- and could not there allow me to dispute the information. I also called the XXXX XXXX XXXX and they too could not find any loans associated with ssn.

Since I never heard back from any of the three bureaus, I resent them letters requesting again that this inaccurate information be removed from my credit report. I am trying to obtain home financing and this incorrect information is stopping me from doing so.

Attached are letters sent to the three bureaus together with excerpts from my credit report.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

I transferred {$2500.00} from my personal wellsfargo account to my joint wellsfargo account ( with my wife ) on XX/XX/2018 so that she can honor a contract on my behalf. The contractor told me i was to pay an upfront payment 24hours of him sending me his insurance details, that was the purpose of the money. My wife went to the wellsfargo branch to try to get the money, wellsfargo deducted the funds from my account only to tell my wife that the power went out and they wouldn't be able to give her the cash, meanwhile my contractor was waiting for my wife.

This is the first time i am dealing with the contractor and my words mean a lot to me. wellsfargo told me i would have to wait till the following day to be able to access my funds, and the branch manager could clearly see it on my wife 's phone that the money had been deducted from or account. Due to wellsfargo NO CARE attitude i lost the confidence, trust and respect from my contractor and i also breached our contract.

Wellsfargo made no attempt to try to resolve the issue immediately.

I applied for a loan the day before, wellsfargo wold grant my request and now they are holding my funds hostage and making me look incompetent and untrustworthy.

I am supposed to receive a shipment tomorrow at the site where the contractors are working on, but because of wellsfargo, there will be nobody on site to receive the package, the shipping company called my today they they will be delivering the product tomorrow, now the product might have to be sent back because the contractors wont be on site, all because of wellsfargo. This is not fair. Wellsfargo as caused me so much pain and distress today, its not fair how they treat their customers. They are very quick to take ot money for charges, but they are not ready to help.