davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
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. (GA)

The XXXX XXXX ( a/k/a XXXX XXXX ) account on my Experian credit report continues to be reported despite my numerous attempts to dispute this due to the inaccuracies in the information being reported. I hired an attorney to resolve this ( XXXX XXXX ) due to the violations of FCRA and a settlement agreement was entered that stipulated ALL reporting of this account was to be deleted from my credit bureaus. The other bureaus have deleted this account completely ( XXXX just completed their deletion XX/XX/31 ) per the settlement agreement provided in addition to the errors being reported ( date opened incorrect, sold to " XXXX '' is not correct, etc. ), but Experian continues to report this, which is a violation of the FCRA as the account is NOT accurate. I have notified Experian of this several times through the dispute process, but they continue to violate the FCRA by not deleting the obviously inaccurate account as required by law. 

Experian has clearly NOT validated this account as I have requested. This account should NOT be showing at all on my credit report. I need this deleted immediately, as I am currently being denied credit due to this significant inaccuracy. 

I am attaching the settlement agreement as well as the 3-bureau documentation showing the inaccuracies which require the prompt deletion of the account from my credit report. I am also attaching proof of their ( XXXX  XXXX ) fraudulent practices and numerous other formal complaints against this company. 

If it is not deleted promptly, the attorney I hired to resolve this issue before will be immediately retained to file suite against Experian and XXXX XXXX aka XXXX  XXXX for a proper resolution, which will include my attorney 's fees and damages incurred.
Consumer complaint received 2022-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I have few accounts with wells Fargo including a cridet Card and mortgages accounts. 
the bank mixes up the payments an apply to the wrong account many times. 
then they refuse to help and order me to make calls to diffrent department and stay on hold to fix thier mistak. theu are very unprofessional when they responed to my complaint. 
and give me lots of hard time and wast hours of my time pushing back on the issue instead of resolving it.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (CT)

Chime closed my XXXX XXXX account when I had reached out to ask why they had reported a balance on my credit card of {$3000.00} to the credit bureaus. 

No answer was received. I have called and emailed over 30 times. All of my responses were automated. Chime supervisors hang up the phone everytime I ask what happened. 

They said I requested to close my account, which I repeatedly stated that I did not. 

They will not allow me to access my XXXX XXXX account, took my money and said they are only refunding {$30.00}. 

My credit card could only be used if I had funded it, so why are they now saying they took my money to cover a balance?
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

XXXX They said there helping but there not and I'm getting XXXX by them and I'm not going to allow it. I'm ready to sue them for there fraud actions now.. This is XXXX XXXXXXXX XXXX scams all over again .. ( XXXX ) XXXX new cell #
Consumer complaint received 2022-01-01
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: BARCLAYS BANK DELAWARE (MA)

I had a fraudulent charge of {$190.00} from XXXX XXXX applied to my account sometime early last year. I immediately called Barclay 's, canceled the credit card and filed a fraud claim with the company. Barclay 's then proceeded to apply a number of charges for {$190.00} to my account and a number of credits to my account, and still continued to charge me the {$190.00}. They claim that they mistakenly credited an extra {$190.00}. I told them if they added up all my purchases and deducted all my payments they would see I paid the extra {$190.00}. They have yet to do that. The last person I spoke with told me she would send me Barclay 's position on this issue in writing, but they have yet to send me anything in writing. In the meantime, Barclay 's contacted the credit rating bureaus and destroyed my credit. I have always prided myself in having excellent credit, yet they destroyed it due to an error on THEIR part. Can you tell me, do I have any recourse against Barclay bank besides filing a complaint with your office? Any assistance would be greatly appreciated. They caused my credit score to drop almost 100 points all because of a mistake they made. Thank you in advance for any help you can provide.
Consumer complaint received 2021-10-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST PRIORITY MORTGAGE, INC. (NY)

On XX/XX/2021 I applied for a mortgage through 1st Priority in XXXX XXXX. When I met with the representative named XXXX I told him I am fee for service XXXX XXXX XXXX  and have been for over 20 years. I told him that sometimes my pay is a little low in XXXX to XXXX until the XXXX  come pouring in. He said it did not matter that they will look at my yearly income. He showed me that I was preapproved for the amount i was needing for this townhouse and locked me into a rate which expired a month ago. He stated 2 months later after I moved into the townhouse that they could not count my XXXX XXXX  because its less than 3 years. I said well why didnt they look at this 2 months prior before I moved again. Im getting up in years and its XXXX  very hard for me to move. He said sorry no loan. So I complained to the manager named XXXX XXXX. He called me well over a month ago and said we are waiting for your income to go up. I said well since the child support was XXXX and you said that was enough then if my income goes up that XXXX in one month I should be good right. He agreed. Now my income went up XXXX a month. I am grossing XXXX a month with no debt and after 1 month of NO communication and assuming I could move forward since my pay went up he told me sorry NO loan only after I pressed to close in a couple weeks. I have paid for bank appraisals, paid XXXX in rent to live here. I want to sue for my loss of money and time and emotional/physical toll of being LIED to and XXXX  around.
Consumer complaint received 2021-10-18
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. (CA)

Equifax is reporting this closed account fraudulently, XXXX XXXX, as 60 day Late 9 months after the account was closed with a XXXX  balance. Now its being reported as a CHARGE OFF account. XXXX XXXX  XXXX, this account was closed at my request and paid in full & never late and CLOSED in XX/XX/XXXX. A debt validation letter was sent on XX/XX/XXXX I received a letter back from XXXX XXXX that they were going to remove this account from my credit file which has not occurred. They have continued to fraudulently and inaccurately report this account on all three credit reporting companies. Please see the attached documents for proof of this. 

Ive also included my bank statement for to prove that payments were made to them in XXXX and XXXX of XXXX. They are reporting this account as of today as a CHARGED OFF account. 

Ive attached my bank statements for XX/XX/XXXX and XX/XX/XXXX Ive attached examples of them reporting this account fraudulently numerous times when the account was closed and had a XXXX balance. 

Ive attached the debt validation letter that was sent to them. 

Ive attached the two letters they sent back to me stating they would remove this from all three credit reporting agencies.
Consumer complaint received 2022-01-01
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

I have student loans listed on my credit report with Department of Education Nelnet. I have paid each month on a consisted basis since before the COVID 19 pandemic and currently. I did not ask to be included in a forbearance, because I want the payments that I make each month to reflect on my credit report. 

The PROBLEM is Nelnet has not reported the specific amount paid each month on my credit report. Nelnet has only reported to the credit bureaus a statement that explains I am current without the specific amount displayed on my credit report. 

I have contacted Nelnet 7 times regarding this issue. The representative explained Nelnet would reflect the specific payment on XX/XX/2021. Once again Nelnet fail to correct the problem. This is a HUGE issue for me because I am trying to purchase a home. If the specific payment does not reflect on my credit report, the loan company will have to include the entire loan balance in my debt. I am trying to take advantage of the new Biden Administration rule regarding student loans and mortage loans. 

Again, Nelnet should report my current payment plan I am supposed to make each month and the amount I actually paid each month.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was XXXX  on XX/XX/2021 and I came home XX/XX/2021 when I came home I checked my credit score and I seen it dropping drastically as I looked more into I seen that fraud was taken place on my account. I didnt know what to do so I was told to contact here.
Consumer complaint received 2021-10-18
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. (OH)

This is my second time disputing the late payments for account XXXX XXXX XXXX # XXXX from XXXX 2021. I had some issues with my income being affected by theCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-08-25
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX, and XX/XX/XXXX Clarity Services Obtained my consumer reports without my authorization or a permissible purpose. I have not initiated any transactions with Clarity Services, nor do I have any accounts with Clarity Services for Review or Collection. On XX/XX/XXXX I sent Clarity Services a Notarized letter explaining to them of the Unauthorized Inquiry and for a {$1000.00} demand for a {$1000.00} settlement.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Dear Commissioners : On Saturday, XX/XX/XXXX, I opened a Business account for XXXX XXXX at XXXX Bank in XXXX. The Manager told me that my funds would be available on Monday XX/XX/XXXX. 
On Sunday I deposited a XXXX XXXX dollar check by ATM into my Personal Santander checking account for XXXX business day. 
Unfortunately the funds in my XXXX  accounts were not available as promised and the check was returned. I was charged XXXX dollars from XXXX and XXXX dollars from Santander. 
On XX/XX/XXXX, I wrote a new check for XXXX XXXX dollars and deposited in my Santander account for. 
I spoke to a woman in the fraud dept. explained what happed with the first check and she said everything would be fine if the XXXX XXXX dollar check cleared. 

They also impounded all my money my previously available funds and closed all transactions and did not pay my credit card due payment to XXXX or aloud me withdraw any money from their ATM. 
Someone spoke to me directly at the XXXX office by phone from fraud dept. and told me the suspected second check for XXXX dollars was also suspect for fraud even as I explained that I deposited that check personally at this branch with a teller using my debit card information on site. He went on and stated that we dont know if someone forged your signature even though bank surveillance would show that I deposited the second check for XXXX XXXX dollars personally. His implications were clear, I was under investigation for fraud if convicted or even accused of fraud, and I would lose my professional licenses. I have lost much sleep by the stress created by Santanders policies as punishment for my aggressive pursuit to right this injustice. 
On XX/XX/XXXX I again spoke to a fraud customer service XXXX and told him the entire story of the XXXX XXXX dollar check and he spoke to his XXXX and he sent a confirmation number to my phone and he said my account was free of all restriction and I thanked him. 

Later that day, I tried to long online but was denied. The next I tried to use my Debit for gasoline in my daughters car and was denied. 
On XX/XX/XXXX the fraud dept. Rep said that the XXXX dollar check review was still in process and it will be several more days to review. 
My money is being held up along with many bills that are not being paid because of my persistent follow ups with the bank and perhaps because I told them that I was going to close this forty year account for this autocratic punishment XXXX enduring. 
XX/XX/XXXX still locked account. My Santander personal loan was not paid by my account due the XXXX of XXXX. Even though I had funds available. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Ma. XXXX XXXX my money so I can pay my bills and sanction the bank for purposel
Consumer complaint received 2021-10-18
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. (CA)

I have called and disputed these account called the department of education was told that I dont have an account everything is paid in full. I have two accounts are still showing on my credit file as in collections 120 days past due and its just not my account. The accounts that are on there are showing the same account numbers for both amounts are different no one can tell me where these accounts are and keep asking for paperwork nothing. 
Account # XXXX amount {$2600.00} Account # XXXX amount {$3400.00} I sent letter on XX/XX/2021 no response
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam : It is incredible how outdated your website is! 

You should have a system in place like the XXXX and XXXX, XXXX and XXXX. 

XXXX notifies the other companies within 10-15 minutes of any update. 

Thank you. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2021-10-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (CA)

i took out a second loan in XXXX for XXXX with XXXX XXXX the company went bankrupt and i had made payment up until tie company went under in XXXX never heard anything again until this year someone showed up at my foot saying i defaulted and wanted me to pay {$130000.00} and they were threatening to foreclose on my home and have been threatening me harassing me and stressing me out I do not agree with this and the amount they are trying to collect please help me it does not show on my credit and has not it also my first mortgage has no knowledge of this and say they are they only leon holders
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

On XX/XX/21 I pulled my Experian consumer report and notices collections account that were not permitted to be reported, and which I contested and Experian send me the Disputed Results on XX/XX/21 in which were deleted with the exception of two of the accounts, however, on XX/XX/21 I pulled my consumer report again and all of the collection accounts that were initially disputed were deleted. 
By them deleting the collection accounts they are held civilly liable for the violation in which my reputation, character, and ability to obtain credit have been damaged. 

Attachments Affidavit of truth XX/XX/21 Disputed results XX/XX/21 Updated credit report with the deleted collection accounts XX/XX/21 Invoice sent XX/XX/21 XXXX recepit stamped XX/XX/21
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WI)

This business is practicing " looping '' of automated responses to their customer service phone line. I had to navigate through an incredibly excessive amount of pre-recorded content, much of which was repetitive. I also had to continually choose options from an endless amount of " sub-selections '' when routed through the phone system. It took approximately 6 minutes just to navigate through the phone system to speak with a customer service representative ( not counting hold time once I was routed to correct department ). 
This business practice makes it burdensome for the consumer to reach a customer service representative to the degree that it reflects impropriety on the part of Specialized Loan Servicing. Consumers should be routed through no more than one or two informational menus before reaching a customer service representative.
Consumer complaint received 2020-12-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (TX)

I Applied for a loan of XXXX XXXX/XXXX/2020. I defaulted after being forced to change my bank. They reached out to advise me they will bring my amount up to XXXX then stated if I didn't pay they will bring it up to XXXX. I asked them why they are making it so high and they stated the other XXXX is credit reserved. They stated that is what I was approved for. I advised the m I did not want that amount. they said they know that's why the applied it as a credit reserve. This was reported as XXXX so far and has caused my score too drop by 50 points. I understand late fees but to add XXXX delinquent then what was used is crazy! I wouldn't to not mind paying what was OWED even fees but they have reported and XXXX balance difference and damaged by credit making ineligible for an apartment I needed to move to. They have already damaged my score an opportunities before I even had a chance to handle anything!
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax has reported inaccurate information on my credit report from XXXX XXXX. It clearly has No Information or Closed Date. Only has Miscellaneous Reporting Agencies and there need to be removed immediately. Under fcra must report accurate information, Equifax has not submitted accurate information.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (WI)

My account shows that it was charged off, I believe this occurred while I was unemployed and wasn't receiving benefits which I did explain to them when it was happening. Nevertheless, I am finally able to settle the account and would do so if they remove the blemish from my credit report. They informed me on XXXX at approx. XXXX XXXX  CT they can not do that but did acknowledge they are responsible for the credit reporting note. 

They originated the account and hold the debt but said they are unable to negotiate any settlement. But I still have a blemish and no means of removing the mark from my credit report.