davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NJ)

Ed Financial has failed to update my balance on my loans since XXXX 2022. I have contacted them earlier this year a few times in XXXX and was told that they put in a request and will update my balance with the credit bureaus in 2 months. when that didn't happen, I called in XXXX, and they told me that since they switched log in platforms, they were doing a freeze on reporting for 3 months. After those three months passed in mid-XXXX I called again and even filed a dispute as Ed had advised. Ed told the Credit bureaus that their reporting was accurate which caught me by surprise and my balances where not updated on their own accord or via despite. I called again after my dispute failed and they told me that they would update my balances by the end of XXXX. Nothing was updated and now XXXX cant even contact them due to long hold times and Ed not calling back using their call back feature. I am looking to buy a house and need to have my balances correctly updated in order to secure the best terms on a mortgage that I can. its been over nine months this is ridiculous. Attached is my account balance from Ed 's own website.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

I contacted discover and filed a dispute in the amount {$750.00} for an attorney XXXX XXXX XXXX who charged my card, I was told by the attorney, I had to leave a credit card on file to retain his services. The attorney and I had a verbal agreement, I would pay all his fee 's in cash and the card would not be charged. Behind my back the card was charged. When I became aware the card was charged, I immediately contacted the attorney and informed him he was terminated for a number of reasons. I informed him, he was not authorized to charge my card in which he already had done, I told him I was disputing the charge for {$750.00} with Discover. 

After contacting Discover and filing the dispute with discover and providing a lot documentation to support my claim from the California XXXX XXXX showing that the attorney did not do the job he was hired for and was terminated by me. My compliant was considered valid and picked up by the California State Bar as well the Attorney Client Mediation and Arbitration Services based on fraudulent billing practices and charges and a few other laws the attorney broke. 

Discover has twice refund the disputed charge back to my account after numerous calls and asking to escalated to up management, Recently Discover added the charged back to my account without reason and told me the dispute was closed and settled in arbitration without my knowledge. I reached out to Discover and was transferred to the executive team I spoke with XXXX XXXX Executive Office of Customer Advocacy explained everything to him and sent him the documentation he requested proving my claim. 

In less than a week I was contacted XXXX XXXX from the Executive Office of Customer Advocacy and told my case was closed and discover felt the charge was valid based on what information the attorney provided and the attorney was the only that could give me a refund. I explain to them that was not true, and I read their full disclosure provided by discover and he was not following protocols and a new investigation show be opened a requested by myself. Discover has lied and has refused to handle my dispute properly. I transferred around to many different departments and told I will receive a call back that did not happened. When I request to speak with upper management, I am hung up on and nowhere in the Discovers disclosure does it state I have a limited number of times I can dispute an invalid charge nor does it explain about they arbitrate without my consent on my behalf. 

Today I have an over charge on my credit card limit and discover should honor my dispute and truly help resolve the issue with the false charge from the attorney.
Consumer complaint received 2020-10-06
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: EQUIFAX, INC. (GA)

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a status of 60 days late, XXXX  is reporting no late payments and Equifax is reporting a status of 60 days late, XXXX : XXXX  is reporting a status of 120 days late, XXXX is reporting a status of 180 days late, Equifax is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX, Equifax is not reporting this account, XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX   and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX  is not reporting this account, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX, XXXX and Equifax are reporting opened XXXX of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, XXXX  XXXX Auto Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX  and Equifax are reporting opened dates of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, U S Dept Of XXXX Account Number XXXX XXXX  is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

I made a payment for {$100.00}, and that amount was deducted from my checking account, and the payment was applied to my credit card account. An additional deduction was made for {$7.00}, and Wells Fargo can't explain to me why it was done nor was this money it applied towards my credit card account. I called Wells Fargo customer service a number of times with no luck of resolution.
Consumer complaint received 2020-12-22
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. (AL)

I found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is showing as my account as past due in previous months and that needs to be updated to no late payments. I wasn't aware of the balance during an issue with my card and XXXX  reporting it as fraud. It took months to get that rectified. I never got a bill, nor could I login into my account online to look at it.
Consumer complaint received 2020-12-21
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)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX XXXX  XXXX, Inquiry : XXXX XXXX, 2019.
Consumer complaint received 2020-12-22
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. (IL)

I was recently a victim of identity theft. I reached out to Experian on XX/XX/XXXX2020 and explained that I had some items that was opened in my name and I gave them the 5 accounts. 3 were from XXXX XXXX 1 was from XXXX, and the other one was XXXX XXXX. I have not opened an account with either one of these creditors nor do I know or haven't allowed anyone to open up these tradelines in my name. On XX/XX/XXXX20 I filed a police report as well as filed identity theft report on the FTC website. Along with these items someone also filed an XXXX Unemployment claim in my name when I've been employed for the past 4 years. So whoever got my identity have a great deal of information. 

Today I got an update regarding my disputes on report # XXXX investigation ID XXXX Stating that 3 out of the 2 items remained. I wasn't provided with anything proving that these accounts were mine. I'm applaud because I have never opened of these accounts and they need to be removed ASAP XXXX XXXX  XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXX XXXX .... 
Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX .... 
Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Please see the attachments
Consumer complaint received 2020-12-21
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. (TX)

XX/XX/2020 I sent a certified letter to Equifax advising that the information they were reporting on my credit report for XXXX XXXX was inaccurate and was not matching up with XXXX  or XXXX  and that I'm requesting them to remove the account from my credit report due to reporting inaccurate information ... XX/XX/2020 Equifax updated all information that I pointed out as inaccurate on my credit report and my scored dropped 30 pts XXXX because of this. I called Equifax customer service multiple time and was told they were not able to assist me since it was updated and some couldnt even tell me why my score dropped until I pointed it out to them.
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (AL)

I found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a refinance loan on my home for {$110000.00} with AmeriSave Mortgage at 3 % interest. This would lower my mortgage payment from {$670.00} per month to {$480.00} per month. My home valuation is approximately {$550000.00} so my equity is approximately {$430000.00}. 

I paid their {$500.00} application fee and submitted the following information : 1. Social Security income of {$20000.00} per year 2. Savings of {$280000.00} in two accounts at XXXX 3. Tax documents for XXXX and XXXX that showed additional income of {$18000.00} and {$19000.00} respectively. 
4. A credit score of XXXX. 

I have paid my mortgage every month for twenty years without exception and have no other long-term or short-term debt. 

AmeriSave denied my application for " Excessive obligations in relation to income. '' I have asked for contact information for XXXX XXXX, the CEO and owner, but my loan originator as instead requested that a manager call me back. They have not called me. 

Today, I read an article that showed the CFPB charged AmeriSave and XXXX XXXX {$19.00} XXXX dollars in XXXX for an illegal " Bait and Switch '' scheme in XXXX that appears to be exactly what has happened with regard to my loan application.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened a checking account with HSBC under their {$200.00} welcome deposit promotion. I have met all of the requirements to receive the {$200.00} as of XX/XX/2018. I have a written chat with a customer service representative from XX/XX/2018 with a " XXXX '' who agreed I should have received this {$200.00} deposit already and he/she instructed me to call customer service which I did. I called and had a " ticket '' opened in XX/XX/2018 and was promised I would get a call back with a resolution. It is now XX/XX/2018. I have been on hold for 30 minutes and counting with XXXX at EXT XXXX as I have called 2-3 times per week and been promised call backs every time as the only person who can resolve this is the person that opened the ticket. I was promised a call back by Monday which never came last Thurs. XX/XX/2018 by a woman at EXT XXXX. This is completely unacceptable. Every time I call, I am only told that I will get a call back, which I never get. Then the person is never working and they are the only ones that may resolve my issue. I want to cancel my account, but I am entitled to the {$200.00} welcome deposit as advertised.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Vellum Mortgage, Inc. (MD)

Around end of XXXX early XXXX I was interested in buying a home. I found a home I liked and it was determined that I needed a letter of approval to make an offer on the house. The lender I was currently using would not be able to supply that within the day, but my realtor recommended me to XXXX XXXX at Vellum Mortgage. She got me the letter, but then the next day called and stated that with my debt to income ratio I would not qualify for a mortgage on that home ( $ XXXX ). In that same phone call she advised that if I could get rid of my car loan I would be able to qualify and that once I closed I would be able to get my car back. I was able to have my mother take out an auto loan her loan paid off my car. At that moment I was able to qualify. 
Fast-forward to XX/XX/XXXX she advised to have my brother give me money and to have my mother take out another loan in the amount of XXXX to assist with the down payment, she says that she will write this as a gift. She also had me make up a story to tell underwriting that I will be using an XXXX to get back and forth to work to support the reasoning off " getting rid '' of my car. Even though the understanding between me and XXXX is that I would continue to pay my mother and then get the car refinanced back in my name. 
I have closed on the house ( $ XXXX ) and have moved into the home and has since needed to begin to make payments on my car and pay my brother back for the amount. Now I am unable to make my mortgage and am facing foreclosure or trying to sell the home. I have recently learned that the things I were advised of were malpractice and were examples of predatory loaning.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I refinanced my mortgage loan from XXXX XXXX XXXX in Illinois to XXXX  XXXX XXXX of Colorado ( I was told it was same company just different location ) I started the process in XXXX of XXXX. I paid my last mortgage payment to XXXX XXXX  XXXX  IL on XX/XX/XXXX. My loan closed on XX/XX/XXXX. XXXX IL reported a 30 day late on my credit file for the month of XX/XX/XXXX. I used the VA streamline process, I was told by VA that I could not have been 30 days late, I would not have qualified for VA streamline. Since then I have attempted several times by phone XX/XX/XXXX, XX/XX/XXXX certified letter XX/XX/XXXX to resolve the issue with XXXX IL, Ive asked them to remove incorrect info, I asked for " good adjustment '' They have not responded, nor have they removed incorrect info. I do not know what else to do. I would greatly appreciate your assistance in this matter. I feel my credit worthiness is being negatively effected, the 30 day late does not reflect my creditworthiness at all. I have never had a 30 day late on my credit report before this incident or after.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I set up a payment with Comenity back for 2 different cards. One payment is processed the other isnt the card where the payment go thru is XXXX. Then I get numerous calls all day long. When I set up a payment for one of the cards, which I did with someone over the phone. They amount was approved with this person, but because its not the minimum due I would again get phone calls all day. I would answer ask if they dont read the comments because a plan was set up. Then another call same thing.
Consumer complaint received 2018-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (OR)

I have tried communicating this to UAC, and XXXX  for years now and have had no success. This auto loan was not opened by me, and every time I reported it nothing ever happened. Now its been 7 years and yet it is still on my credit report and yet again I am getting no help from the company. I am hoping that this will finally resolve such an old damaging problem.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NJ)

This is a follow-up to XXXX, with further evidence to support the concern that XXXX XXXX dispute department may be engaging in practices which could reasonably appear to be deceptive. 

Today I received a call from a member of this department named XXXX ( sp? ) and when I returned her call she refused to speak with me. 

My general concern is that Fidelity may be contacting consumers in ways that allow them to claim that they initiated a contact, but that they are contacting consumers in ways that make it impossible for consumers to actually communicate with them, thereby saving them time and making it impossible for consumers to actually resolve the disputes they have initated with merchants. My previous experience was with a member of this department named XXXX who would call and then simply hang up. 

The calls at issue originate from XXXX. People can not be reached at this number. When this number is called, a recording plays which mentions US Bank and XXXX XXXX XXXX but makes no mention of Fidelity. This too strikes me as potentially deceptive.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Consumer complaint received 2020-09-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX/XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.