davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (NC)

I have made several attempts to have the incorrect and invalided information and updated and removed from my credit report in accordance with 15 USC 1681 PRIVACY AND CONFIDENTIALITY : Below is the information in question : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (MA)

XX/XX/20 CAINE & WEINER COMPANY INC reported collections on my XXXX and XXXX credit report. This is for auto insurance. Amount is false, also this maybe classified incorrectly as retail.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried for several years now to obtain my free annual credit report from all 3 agencies. I tried again today and the only successful report was through XXXX. Both Transunion and XXXX attempts failed through XXXX. I also attempted to obtain them directly from Transunion and XXXX  via the online method and by calling the customer service number for assistance. I am unable to reach an agent and none of the options offered lead me to an agent. The information I've been given with the unsuccessful online attempts is not sufficient and does not allow me to resubmit, assuming it's an address error. I just receive a message that I can't request my report online at this time. In the past, I've attempted to request a report via mail but gave up when I didn't receive a response.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

- - ______XXXX  XXXX XXXX XXXX XXXX _____ XXXX XXXX VA XXXX - date : XX/XX/2020 _____FORMAL Complaint about Experian the credit bureau and its involved decision makers to stop and cease their retaliation, discrimination and abuse against an American Taxpayer - -. 
on XX/XX/2020 and as of today XX/XX/2020 Experian blocked me from accessing my free annual credit report by adding restrictive discriminatory condition against me specifically. i have many proofs that support the fact that I was subjected again to retaliatory adverse actions from Experian. -- -- -- -- -Experian is the only credit bureau allowing and participating in causing the damage of my financial reputation. Experian is causing me severe emotional distress. Experian impeded my ability to review my credit report and therefore anything negative in my report with any damages that caused against me is the full legal responsibility and liability of Experian. 
-- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - there is no excuse to justify that restriction ( the website called it condition by Experian only ) put in place by Experian against me. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- Experian and its involved decision makers must stop their retaliation and they must pay huge legal consequences for their illegal acts against an American taxpayer XXXX XXXX. " CFPB '' shall investigate Experian ' unlawful practices reported to " CFPB '' several times in the past 4 years until now. -As a reference Experian credit report XXXX was one from previous year before year 2020 which had several incorrect information that Experian insisted to  keep it in my file within this credit bureau named Experian . Experian intent to damage my financial reputation is a fact proven by the fact of the damages already Experian caused against mu person. - Please note : Experian response or non-response to this legal complaint will be used against Experian and its involved decision makers at any time and in a court of law. -. - All stated herein is to XXXX XXXX current states belief, knowledge and understanding and it is subject to any correction or change of any kind at any time and only by XXXX XXXX and/or his legal representative if any and without waiving his rights under any circumstances. digitally Signed and Filed today XX/XX/2020 within CFPB by XXXX XXXX -
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

In late XX/XX/XXXX we began a refinance with JP Morgan Chase. We unfroze our credit bureau accounts & the process started out fine then on XX/XX/XXXX we paid {$500.00} which the email from the Home Lending Adviser, XXXX XXXX, said the money was Good Faith Funds of {$500.00} which will be applied as a credit to your closing costs. If your application is closed for incompleteness or is withdrawn by you, this is not refundable. If your application is denied, these funds will be returned to you minus any expenses incurred on your behalf. Your card number will be collected and charged once you have confirmed your intent to proceed. After we received our appraisal in early XXXX l emailed Mr. XXXX on XX/XX/XXXX & XXXX and received no response. I also made multiple phone calls to Mr. XXXX on XX/XX/XXXX, XXXX, XXXX & XXXX. I also left messages for his manager, XXXX XXXX, who also has never returned my calls. I was finally able to reach Mr. XXXX on my XX/XX/XXXX call and was advised they needed to pull our credit and the accounts are frozen as our temporary unfreezes had expired. Mr. XXXX advised once we unfreeze our accounts they will complete their underwriting then I will be contacted by their Client Care Specialist, XXXX. We completed unfreezing our accounts then received notice that our loan was closed or application is no longer active. I attempted call Mr. XXXX & Ms . Sheets, XXXX, XXXX, XXXX, XXXX & XXXX to inquire about what this meant for our loan and received no return calls. The calls to Mr. XXXX were to his cell phone as this was his new number since they were working from home due to Covid-19. I also emailed Mr. XXXX on XX/XX/XXXX with no response. Finally, on emailed XXXX XXXX on XX/XX/XXXX detailing their lack of responsiveness & horrible service and demanded the refund of my {$500.00}. I have received no response to this email at all.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously had a loan with XXXX XXXX XXXX. Sometime around XX/XX/2018 the payment ( including principle, interest and impounded taxes and insurance ) increased. For whatever reason, I did not get notification of that increase. 

When I paid the payment in XX/XX/2018, I paid the same amount that I had paid in prior months. As you can see from the statement from XXXX, that payment was received on time ( posted XX/XX/2018 ). As you can also see from the letter from XXXX dated XX/XX/2018, the payment was {$67.00} short because I did not see the notification of the increase in the required payment. 

Based on the above, XXXX reported to the credit bureaus that my mortgage payment was late. That is not correct. First, the payment was received on XX/XX/2018 which was on time. Second, while the payment was not the correct amount, the payment covered all principle and interest due. The {$67.00} was a shortfall in the impound account, but the impound account is an estimate anyway, as tax and insurance bills can vary from year to year. 

I disputed this late notice which is affecting my credit score with the credit bureaus. They all claim that XXXX refused to make a correction. I have two friend who work in the mortgage business. Both tell me that honest lenders would never make a late payment report under such circumstances. 

I requested that XXXX make a correction with the credit bureaus removing the late payment from my credit report. XXXX refuses to do so.
Consumer complaint received 2020-05-02
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: EQUIFAX, INC. (MI)

I have contacted both Equifax and XXXX XXXX about my TWO missing credit card accounts that should be reporting. XXXX  XXXX told me that they are reporting to all 3 credit bureaus and was unsure about why Equifax was the only company not reflecting the accounts. XXXX  XXXX opened two disputes with Equifax for missing account information and the disputes came back unresolved. The Equifax representative that I spoke to told me that there wasnt anything that they could do to show the active account and that they werent sure why they werent showing either. This is not okay.
Consumer complaint received 2017-12-05
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: Skopos Financial, LLC (SC)

This company failed to respond to the dispute, and by law if they fail to do so within the time frame by LAW they are required to remove the tradeline. Im writing this 4th complaint in regard to this information. They have violated my rights as a consumer and they have violated FDCPA laws. Ive turned this information over to my attorney XXXX XXXX to either proceeds with filing a lawsuit against them for the violations or to resolve this issue outside of court. I am giving them the opportunity to do the right thing which is to remove the negative inaccurate item frommmy credit otherwise I will advise my attorney and legal representatives to move forward with the lawsuit process.
Consumer complaint received 2020-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX HAVE NEGATIVE INFORMATION LISTED ON MY TRADE LINES. WHEN I CONTACTED XXXX XXXX, I WAS TOLD BY THE CUSTOMER SERVICE REPRESENTATIVE THAT SHE HAD NO KNOWLEDGE OF MY ACCOUNT. ON MY TRADELINES, IT IS LISTED THAT THIS ACCOUNT WAS TRANSFERRED TO ANOTHER LENDER. I CAN'T GET VERIFICATION OF THIS DEBT AND WAS TOLD BY THE REPRESENTATIVE THAT THERE IS NO KNOWLEDGE OF THE ACCOUNT. WITH ALL THIS BEING SAID, THERE SHOULD BE NO NEGATIVE INFORMATION LISTED ON MY TRADELINES AT THIS POINT. I HAVE FILED DISPUTES, AND ATTEMPTED TO CONTACT THE COMPANY WITH NO SUCCESS. I HAVE FILED DISPUTES WITH TRANSUNION, XXXX  AND XXXX  WHO ALLEGEDLY VERIFIED THAT THIS WAS ACCURATE INFORMATION. NEITHER CREDIT REPORTING COMPANY CAN PRODUCE THE VERIFICATION THAT ALLEGEDLY OBTAINED TO VERIFY THE DEBT.
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

DO NOT USE WELLS FARGO TO REFINANCE! I will be making XXXX video for the purpose of explaining how unbelievably horrible this process has been. 

I have already complained to them over and over and over and contacted you. I applied for refinance of my home on XX/XX/2019. It has been 6 months! Apparently you contacted someone at Wells Fargo who then called me and asked me all about the problem but ultimately admitted they didn't have any control over it. I have had people apologizing for months now. 

We had an appointment for Monday to sign closing papers. I assumed this was finally going to be over. I planned to start construction on my garage later next week. Now they are telling me it will be the XXXX. That's a 10 day delay. They said the reason is the appraisal expired. No kidding. It took them 6 months to get here. I am surprised I personally haven't expired waiting. They are also telling me my paystub, signed contracts ( for future and present work ) aren't good enough to prove I am still in business. They gave me a list of things I could provide and I provided ALL of them but now that isn't enough. 

I am losing faith that CFPB can do anything about this. I didn't save the person 's contact info from Wells Fargo but I would like to speak to someone who can actually do something. I do not need someone to apologize over and over. I need someone to do their job.
Consumer complaint received 2020-05-02
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$660.00}. 
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/2020 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. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$660.00} -This is not my account.
Consumer complaint received 2020-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

Claim # XXXX I disputed unauthorized charges from XXXX. Wells Fargo refunded me {$120.00} on claim # XXXX but collected {$190.00} from XXXX. 
I discussed the claim amount charged back from XXXX with XXXX. XXXX stated that a total of {$190.00} was indeed charged back from my account to Wells Fargo. 

Wells Fargo collected a total of {$190.00} from XXXX but only refunded {$120.00} to my Wells Fargo account. Per XXXX, Wells Fargo is holding the additional {$70.00} difference. 

I am seeking my full refund - the additional {$70.00}. 

I've spoke to and emailed XXXX XXXX on XX/XX/XXXX and on XX/XX/XXXX
Consumer complaint received 2020-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, I opened a new account with Citibank. Upon opening new account, banker then led me to branch teller to make my deposits. I handed teller sealed envelopes of my CASH deposit. She opened them in front of me then walked away out of sight for some time. I thought she would be right back with a bill counter. Instead she returned and handed me a deposit slip. I was confused because she did not count CASH in front of me ... but I was forced to leave because branch had just closed for the day. Later same day, I realize I am missing {$2200.00} from my cash deposit. 

I returned NEXT business day ( on XX/XX/XXXX ) and explained to banker ( who opened my new account ) what happened with teller/ my deposit. 

He didnt investigate the matter. Instead he brushed off the seriousness of her negligence. 

I asked him why teller walked away out of sight with a large sum of CASH? Why she didnt count it in front of me? And stated that Ive never seen this happen at any bank branch before. And how can I confirm she made a proper deposit? 

Banker replied that THIS BRANCH placed bill counters out of sight and DOES NOT COUNT CASH IN FRONT OF CUSTOMERS purposely. 

I recorded him admitting to this on my phone. 

I opened an investigation with CitiBank regarding my missing funds AND the negligence taking place at this branch. 

CITIBANK REFUSED to properly investigate this, never reached out for my evidence, closed the investigation citing deposit was correct because branch told them it was, and is REFUSING to honor my appeal! 

CITIBANK is supporting negligence and theft at this Branch by refusing to do a PROPER INVESTIGATION and by ignoring my appeal.
Consumer complaint received 2020-03-12
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. (AL)

In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to Equifax XXXX  and XXXX  credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. Equifax, XXXX  and XXXX  sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXXXXXX XXXX XXXX. if this account was investigated without belief that it was not and verified, my question is. with what proof???
Consumer complaint received 2020-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION, XXXX AND XXXX  WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.
Consumer complaint received 2020-05-02
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: JPMORGAN CHASE & CO. (TX)

XX/XX/2020 computer was hacked. {$6100.00}. 
Chase Visa card was billed and we called Chase as fast as we could. Nobody was answering the phone. We waited about an hour. When we finally spoke to someone, we told the representative to cancel the credit card and to not pay anybody anything. Chase then sent us to fraud dept. where we again told Chase to make sure our credit card was cancelled and to not pay any charges. Shortly afterward more charges appeared on our credit card. We were told not to worry. Nobody would contact us. We had to constantly call them and wait for about an hour to speak to someone. 
XX/XX/2020 We are still waiting to get resolution, and we are being told that we benefitted from the charges. Communication is horrible. Chase was moving charges around in our account. We feel like Chase is basically stealing from us. We did not make any of the disputed charges and we did all that could be done to shut down any payouts. And they can not even tell us where the money went or who got it. We are living in holy XXXX and it is being exacerbated by Chase.
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

My complaint is with Advanced Financial 24/7 of XXXX TN. I've been doing business with them for awhile. I've been paying them and recently made a payment on XX/XX/2020. As of our agreement every two weeks and I've been faithful. But here this last couple months it's been nothing but harrassment. It's a constant stream of phone calls starting at XXXX to as late as XXXX every single day at my home, my job, even my wife! I had paid and paid and they still call saying I'm not making payments at all!!! My bank has all the proof that I am paying and Advance says I'm not.