davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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. (GA)

XXXX is reporting derogatory information on my credit commercial file that does not belong to me and said that they are not regulated by anyone because they are different from other bureaus, but they just report anything on your file without any questions, I never purchased a commercial truck for XXXX dollars so how can someone report that to my report
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

This complaint is about closing on a mortgage with Network Capital Funding. We had closed our Refinance Contract on XX/XX/XXXX with a Notary. Later, to find out that the interest rate lock had expired on the Conventional Mortgage Loan on XXXX XXXX. At that time we were asked to except another loan contract with a higher rate and cost. Over time, we decided not to except another offer, we wanted the same mortgage that were signed on XX/XX/XXXX. In XXXX on XXXX XXXX, I informed our Loan Offier, XXXX XXXX XXXX, our property tax for XXXX XXXX in XXXX, CA. was Not paid per our Escrow Contract at the closing of the loan. XXXX had our {$4100.00} personal check since XX/XX/XXXX, 2. On XX/XX/XXXX, we had to send a Cashier 's Check in that amount with one missing disclosure, and a updated copy of XXXX XXXX Banking Account Statement which were sent by XXXX. We were Not informed that they were not paying our property taxes. So, we paid our taxes so there would not be a penalty against us. XXXX sent a Cashier 's Check for our property to us on XX/XX/XXXX. This was a default of our contract and very disappointed in the process of this loan. The rental property was the property that we wanted to refi first and the Loan Officer, " said that we would get a cheaper loan if we refi our home also. '' But our loan was denied as we were afraid, it was a scam or a fraud. Which the loan officer assured us this was not a fraud but a company with good standing. Network Capital Funding have Advertisements over the radio in my area. 


denied the loan
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NM)

Lexis Nexus refuses to correct the information they somehow connected to me. i have tried numerous time since 2009 to correct my credeit reports. the 3 agencies have fixed all the errors but LN has never responded and I am having problems again. And these companies use LN. I have presented my credit reports to banks, credit unions and card companies but they use Lexis Nexis and they are wrong but will not correct the records. Because of them my identity has been stolen twice. I filed bankruptcy both times but LN is at it again. Because of them i am paying very high credit rates. Because of them i can not bank online because the credit union uses LN. I am not sure why or how they stay in business but when it comes tome to vote to no longer allow the credit agencies to be used i will vote them out.
Consumer complaint received 2021-04-29
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 (PA)

I was not receiving statements from Synchrony bank and I confirmed this over a recorded line with a XXXX Store Card customer service representative during a call placed at XXXX XXXX  to XXXX. The gentleman who answered acknowledged my payment was made on XX/XX/2021 but had not processed in Synchrony Bank 's system by XX/XX/2021. He reversed my late fee and referred me to someone to increase my credit line, but they could not help Unfortunately because my account still showed as delinquent due to the slow processing of my payment. I was referred to a portfolio manager XXXX. 

Unfortunately, XXXX stated my credit line was closed due to a lack of mortgage and high balances. This seemed like a coincidence to my delinquency. I made a purchase on a delinquent account credit card that I had not received a statement on. I thought I received promotional financing for a XXXX phone at 0 % interest plus the first three months at XXXX dollars. Since I did not receive a statement I did not know the account was delinquent. Syncrony approved the charge for my new phone however and I have not opted into any such service that would allow them to do so. This is a violation of consumer protections. Further, I lost the XXXX financing promotion as disclosed to me because the account was delinquent.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XXXX, 2021 I got XXXX and requested help with my mortgage with Bank Of America. 
I then realized i did not need the help. I then called in a few days later and cancelled the request and that i will not have any problems with paying. 
I was then told by the bank not to worry about it just keep paying as i have been. 
Well come XX/XX/2021, I applied for a loan with my bank. I was denied and the reason was Bank Of America reported to the credit bureau that i was in forbearance. 
I called Bank Of America and was then told that they were going to remove it. Later that night another person from the bank calls me and claims that they made a mistake and it should of never went to collections. 
Never heard anything from them sense. I tried calling and with no luck to resolve anything. 
Bank Of America has cost me a loan and my job is at risk for having a mark on my credit report. I want a copy of my payment history. you will see i was never late. 
I also want Bank Of America to remove the forbearance immediately.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

On XX/XX/2021, my ex-husband XXXX XXXX purchase a personal money order for alimony payment for me. The amount of the money order was {$550.00} and the money order number was XXXX purchased at XXXX XXXX XXXX. I received the money order on XX/XX/2021. I promptly took it to my personal bank which is PNC in XXXX Alabama. I just deposited the money into my account and received a {$10.00} withdrawal from that {$550.00}. In XXXX the first part of XXXX, the {$550.00} money order was wiped from my account from PNC Bank in XXXX Alabama. I have yet to get reason for this transaction. I have talked to both PNC Bank and XXXX XXXX XXXX about this issue. XXXX XXXX XXXX is shows me that the money order was purchased on XX/XX/2021. It was only deposited once and to my account at PNC Bank I have the deposit slip on that but I can not screenshot it because of the website but I do have a copy of the money order front and back with sequence numbers. XXXX XXXX XXXX is stating that they did nothing wrong and I have received several money orders in the past year once a month for alimony from XXXX XXXX XXXX. PNC Bank is opening an investigation because I asked them to on XX/XX/2021 and they then closed the issue out with their corporate on that same day XX/XX/2021. I understand that {$550.00} is not a lot to people but it is a lot to somebody that uses it for food, gas, car payment, bills or rent. My account is negative {$22.00} and change right now because of this situation and I am past due on XXXX different bills. XXXX XXXX nor my bank PNC are trying to help me I need to find out what's going on. Like I said they closed the case in XXXX day and not let me even know that they did that I had to find that out the hard way with PNC Bank. There's no reason why this money order XXXX, should be bad it was only cash one time from me and then you know they return back to the original place where they were purchased I talked to XXXX XXXX at XXXX XXXX XXXX she said it was only cash one time that was by me and she doesn't know why PNC is doing what they're doing. I talked to XXXX XXXX at PNC Bank try to make an appointment with her and she cancelled tue appointment then told me she was sending this to an " escalator team '' with PNC bank. She failed to give me any information on how to contact this team ( I will show the correspondence emails I have between these financial institutions and myself. Can you please help me in this matter soon so I don't lose my vehicle and so my credit score won't be sacrificed any more than it has been. 

I need this money. My ex-husband worked hard for it and so did I. My ex husband has XXXX XXXX and I have XXXX XXXX  XXXX ( which keeps me on a fixed income ). He nor I did anything wrong with this transaction but someone did. No one is wanting to fix this. 

Can you please help me?
Consumer complaint received 2021-04-26
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. (NC)

Ive called Tranunion over 5 times in the month of XXXX on different occasions to remove a consumer statement on my credit file, each time i talked to someone, they tell me they do not see anything written in the consumer statement section. 

i told them eachtime i sign into my account or refresh my account the statement is there, they refuse to remove that statement.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NV)

XXXX XXXX  XXXX charged my credit card for a service I did not order. It was done without my knowledge, using my name, social security #, an address not mine, and an incorrect email address. I called their fraud dept. and was assured it would be corrected. After it was not, I wrote the president of the company and was assured by his assistant that it would be taken care of. It wasn't and it went to first collection agency. I explained to them and send backup attachments that it was not my account. A few months later I get contacted by a second collection agency. I again sent attachments proving it wasn't my account and that was that. Just now I have been contacted by my cyber protection company that another collections company wants me to pay even more money for a debt I do not owe. They suggested I call XXXX and get it straightened out. The third collections agency has let the credit ratings companies and my credit rating has plummeted. My credit card company has also contacted me that the money that had originally been reversed from my card is back on the account.
Consumer complaint received 2021-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (GA)

So I filled out loan app on internet to find a lender. These people called me ( XXXX ) XXXX XXXX saying I was approved for {$20000.00} loan. Did the whole process account number and routing. Then they said since my credit was low I'd need insurance to make accounting dept Feels better about giving me loan. I said I can't pay for that obviously I need money not have money. They said no we're not asking you to. We are going to wire it to you tonight {$920.00} and you send back in morning and then you'll be insured and we'll wire you loan. They sent it in the morning they started calling me at XXXX. Saying if you want loan just go get XXXX gift cards and take picture and send to phone number. Hurry so we can get you your loan money today. I did.. its their money I figure right. They call me back and say okay we're going to send your loan within 3 hrs the funds. Awesome. After 2 hours a " finance manager '' calls me back ( XXXX ) XXXX. He says okay we're going to send your loan but first we have to send you the money to pay the taxes. Itll be the same as this morning. Okay I say. At this point I'm just thinking about the loan money and my daughters birthday next week and how awesome I'll be able to make it for her with the loan. That night they sent wire. Next morning I see its for {$2900.00}. Damn I think but again all I'm thinking is everything went fine the morning before and how much the actually loan is going to help me out. They call me and tell me to send XXXX back and ill have my full loan by lunch. I follow the same instructions cept this time they say no pictures just read numbers over phone. Yessir I say. Around XXXX still no loan and as I'm checking for loan deposit I see my accounts negative. They pulled the XXXX back out i think. I call my bank and am raising XXXX. Saying I didn't authorize that being taken out to send back. I already sent them that in XXXX gift cards. Thats when the bank tells me it wasn't pulled out. The bank sent in back because of insufficient funds. WHAT! I say how was i even able to withdraw if the funds weren't checked. They wouldn't even give me an answer. Just told me I was scammed and I was responsible for negative balance. Next day you guessed it the XXXX was the same insufficient funds. Now my account is XXXX negative. And my paycheck is due to be direct deposited tomorrow and I won't see any of it. I asked my bank how is it that when I deposit a check even a Federal Government check i can't even have access to those funds till the check clears but for these checks the scammers sent that wasn't the case. And now my life is gon na be ruined. I'm a single father to my XXXX old son and XXXX old daughter and now we're probably going to be evicted. I can't believe this. Please help me get these guys.
Consumer complaint received 2021-04-29
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: WELLS FARGO & COMPANY (CA)

My Wells Fargo auto loan was paid off in full by my insurance company following a car accident resulting in a total loss. Prior to this, the auto loan account had no late payments reported. I received a letter from Wells Fargo verifying that the auto loan account was paid off in full and closed as of XX/XX/XXXX. 

On XX/XX/XXXX, I received a notification from XXXX that Wells Fargo reported a 30-day late payment in the month of XX/XX/XXXX ( after the account was already closed ). 

On XX/XX/XXXX, I filed a dispute directly with Wells Fargo, and I also filed a dispute with XXXX Included with my dispute, I attached a copy of the letter from Wells Fargo verifying that the account was paid in full and closed in XX/XX/XXXX, so it was not possible to have a 30-day late payment in XX/XX/XXXX. 

I also called Wells Fargo multiple times on XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. I spoke with multiple associates including a member of their Escalations Team and my complaint was assigned to their " Office of the President '' ( also called the Executive Office ) and assigned a case number and a case specialist. My case specialist reviewed the details of my account and also confirmed that the negative remark appeared to be an error and forwarded my case to their credit team with a request to remove the negative remark from my credit report. 

On XX/XX/XXXX, I received the results of my dispute from XXXX  stating that the negative remark on my credit report would not be removed. I called XXXX to get clarification on this decision and was informed that Wells Fargo had responded to the dispute and confirmed that the negative remark was accurate. This was in direct conflict with the information I'd received from Wells Fargo. 

On the same day, XX/XX/XXXX, I called Wells Fargo and spoke with my case manager. Upon reviewing the notes on my account, he indicated that Wells Fargo had not received or reviewed my dispute from XXXX  nor had they verified the accuracy of the negative remark. He indicated that if someone from their credit team had reviewed the dispute this would have been reflected in the notes on my account along with the results of the review/investigation. 

I then called XXXX back and was once again told that Wells Fargo had, in fact, responded to the dispute but they would re-open the dispute anyway and send it back to Wells Fargo for another review. 

At this point, the inaccurate remark is still on my credit report and has caused my credit score to drop XXXX points. I have contacted both XXXX  and Wells Fargo and nothing has been done to correct this inaccuracy, and I am receiving conflicting information from representatives at both companies.
Consumer complaint received 2021-04-29
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. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-29
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. (FL)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago. The investigation took longer than 50 days. This is a direct VIOLATION of FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wengerv. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please remove all FRADULENT accounts as I have no knowledge of these accounts due to the Equifax Data BreachXXXX Identity Theft. All is being investigated by the FTC. 
I am also keeping the companies listed below informed of your willful noncompliance. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is a case that started in XX/XX/2019, was filed with the New York state attorney and FTC in 2019. This information was provided to the original plaintiff but this debt has been sold to a new Plaintiff Portfolio Recovery and they are wanting to us to pay this debt when its still under investigation. We received a letter from the New York state attorney that told us that this case was given to the FTC for investigation and that this type of case would take some time. I can provide the FTC case # is needed. 
This is a fraud case were Portfolio is asking for the sum of {$11000.00} I don't see how they have come up with this amount because this was fraud.
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, I received a call from a billing dispatch ( XXXX ). The woman 's name was XXXX, she told me that I was in debt with a credit card from Home Depot. She said that I owed {$370.00} and that I had to pay them, but I have never solicited a credit card that Home Depot managed, she told me to call the store and she gave me the supposed last 4 digits of the " credit card '' but she said she couldn't give me the full number. I called the store and they stated that there is no debt from any credit card with my information, I'm not even on their credit card system. The person I talked to at Home Depot 's name is XXXX. I do not have a card, rewards program, or any account with them. I have called many departments from Home Depot like customer service and they all say there is no account under my name let alone a credit card or any debt. Thank you for your time, I hope to receive a follow-up.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

On XX/XX/2021, I paid my mortgage payment through the mortgage company 's, Mr. Cooper ( formally Nationstar ), website. The full regular payment amount on - {$1200.00} was withdrawn from my bank account on XX/XX/2021. 

On XX/XX/2021, a payment of + {$1200.00} from Mr. Cooper ( Nationstar ) was credited back to my bank account. A third transaction occurred the same day of XX/XX/2021 deducting - {$1200.00} from my bank account. The activity on XX/XX/XXXX was NOT authorized by me, nor was it disclosed by Mr. Cooper. 

I have not suffered a financial loss. To my knowledge, my credit score and on-time payment history has not been affected, but this is highly suspicious activity. This can not be a computer error. I highly doubt it was a human error. Mortgage companies do not conduct business this way. I wanted to file this complaint to document Mr. Cooper 's irregular business practices.