davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

In according to federal law act this company Discover bank, has violated my rigths under According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/year>, I entered into a contract with XXXX XXXX for the purchase of my home ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with a closing date of XX/XX/year>, based on XXXX 's pre-approval for a loan from Wells Fargo. This sale, with the contracted closing date on XX/XX/XXXX, was a contingency for the purchase of a property in Colorado ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) with a contracted closing date on XX/XX/year>. 

On XX/XX/year>, I was informed by my agent, XXXX XXXX, that closing would be delayed due to a delay by Wells Fargo in the processing of XXXX 's loan. Wells Fargo did not indicate any issues with the loan up until this point or at any point on XX/XX/XXXX or XXXX, and representatives from Wells Fargo ensured my agent and XXXX 's agent ( XXXX XXXX ) that they were working around the clock to close the loan and hoped to close by Friday, XX/XX/XXXX. On XX/XX/year>, I was informed by my agent that Wells Fargo denied XXXX 's loan ( 2 days after the original contracted closing date ). 

As a result of Wells Fargo 's negligence in processing XXXX 's loan, I was unable to complete closing on the Colorado property by the contracted closing date, and the sellers of the Colorado home terminated the contract. Wells Fargo failed to provide timely notifications and communication with the buyer and his agent regarding the status of his loan. As a result of Wells Fargo 's negligence, I was unable to respond to the delays in the sale of my TN home in a timely manner, and as a result, my fiance and I have incurred financial losses totaling over {$45000.00}. This does not include the emotional damages and impact this has caused as a result of these deals crumbling. Additional details regarding the timeline of events, including points of communication with Wells Fargo, and costs incurred by myself and other parties involved, are attached to this complaint. 

Wells Fargo 's code of conduct repeatedly states their employees ' responsibility to act with the highest standards of trust and integrity, do the right thing in the right way, hold each other accountable for the outcomes of their actions and decisions, engage in fair and honest business practices, and provide accurate, timely, and clear disclosures to customers. Wells Fargo and it's employees need to honor their code of conduct and hold each other accountable for the outcomes of their actions regarding how this loan was managed.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Motors Finance ( HMF ) was fully paid the remaining balance by the GAP insurance which was supposed to make the payment to them after the car crash and total loss, however, it is reported on the credit file as " charge off '' amount which is wrong information and affecting mine as well as my co-signer credit file. I disputed the wrong information but it was not resolved. There was no intimation of the outcome as well. There is no way to get help from HMF. It has been more than a year and our credit files are being haunted by this wrong information and we are totally helpless.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (PA)

XXXX XXXX finacial merged with Nationstar Mortgage XXXX XXXX XXXX. Both of them are reporting the exact same information on my credit reports. Same info different name. XXXX XXXX.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (NH)

I had a mortgage with US Bank on my previous property of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NH XXXX dating back to XX/XX/XXXX. In XXXX of XXXX, I contacted them and got approved for a 3-month forbearance for XXXX and XX/XX/XXXX. 
I received a letter on XX/XX/XXXX confirming Im in a Covid19 forbearance plan and no action is required at this time. 
On XX/XX/XXXX I was notified that my forbearance was approved for an additional 3 months ( letter attached ). 
I was able to return to work in XXXX which you will verify as part of my mortgage application and once I was working I called in on XX/XX/XXXX to let them know I was now working and would be able to start making payments. Apparently that phone call triggered the person on the other line to click on a box on his screen and he took my loan out of forbearance without informing me ( this is info that was provided in subsequent phone calls to US Bank after the 90-day late was reported and I questioned it ). During the XX/XX/XXXX phone call, I was told I could either let the amount in forbearance be added to my loan balance or pay it all at once. I chose to make a large payment of {$3300.00} on XX/XX/XXXX which paid for XXXX XXXX and XXXX. These amounts were not past due as they were part of a forbearance plan. I also made a full payment that day to pay for the month of XXXX. 
The US Bank mortgage statement dated XXXX shows all transactions described in the paragraph above and also shows the XXXX mortgage payment as paid on XX/XX/XXXX yet the credit report states a 90-day late payment in XXXX. 
The US Bank mortgage statement dated XXXX shows that if the total due is paid after XX/XX/XXXX then there will be a late charge. You can see on this statement that there are no late charges and that is because the loan was in forebearance. 
Attempts to resolve this with US Bank have been unsuccessful.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (FL)

Complaint Against Avant Credit Card - Failure to Deliver Card and Customer Service.

I am writing to file a complaint regarding my experience with Avant, specifically related to their credit card services. I applied for an Avant credit card in XXXX and was approved on XX/XX/year>. According to Avant, my card was scheduled for delivery beginning on that same date, but as of XX/XX/year>, I have yet to receive it. 

After waiting past the initial estimated arrival time, I contacted Avant to request a replacement card. The customer service representative informed me that another card would be sent on XX/XX/year>. However, it has been over two weeks, and I have still not received any card. Repeated follow-ups with Avant 's customer service have led to excuses, such as blaming delays on the postal service, followed by instructions to wait another XXXX days each time I inquire. 

At this point, I am extremely dissatisfied with Avant 's customer service and lack of transparency. The inability to provide proof of the card being mailed, coupled with delays and repeated excuses, leads me to question the company 's legitimacy. Given the situation, I am requesting that Avant immediately close my account and remove any trace of this account from my credit file. I feel this is necessary as I have lost confidence in the companys credibility and service reliability. 

I appreciate your assistance in addressing this matter with Avant. Thank you for your time and support.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I am the beneficiary of the checking account owned by my mother. She passed away on XX/XX/year>. About a week after her funeral, I personally visited the branch to close her account and receive the closing balance amount. The customer service representative informed me that I would be contacted by the person who was supposed to handle the matter at the headquarter. I missed a call from US Bank. Since that time I returned several calls and left messages, but I have never received any calls from US Bank anymore. Afterwards, I called the customer service representative at the branch. She gave me another telephone number to call. I again made several calls to that number and left messages and I have never received any calls from US Bank. Now, it is the end of XX/XX/scrub> XXXX  nothing has happened.
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (CA)

Problems with the online payment method easy pay on Honda financials website were what caused this. We have proud that we paid on time. To add to this we spoke to an employee at Honda financial named XXXX who told us that if we mail a letter that it was guaranteed to be removed. 

There are three late fees that are affecting her credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  30 days late These two were due to an extension of the lease. This issue was already resolved The last one affecting her credit is on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX. 

This is not my account this is a case of fraud I have not given my written or verbal consent to anyone approving the purchase of anything tht has defaulted into collecting I'm a extremely responsible borrower and this is not my account please remove
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC (SC)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-04-10
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Suncoast Financial Group, LLC (SC)

On XX/XX/year> I was contacted by Suncoast Financial through voicemail and a text message that threatened to call a XXXX XXXXXXXX if I did not return the vehicle If im not mistaken a finance company threatening to contact your XXXX XXXX  solely because you haven't returned a vehicle could be considered a form of harassment and potentially illegal, as it could be seen as an improper attempt to leverage your XXXX  status to collect a debt ; consult with an attorney to fully understand your rights and options in this situation. 

Highly illegal... .look it up
Consumer complaint received 2024-10-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (OH)

The account is reporting the incorrect amount due. Not to mention, my credit report shows this as charged off, and I never received a 1099. I would like the 1099c because the credit report shows it as a charge-off, and that's not how it's being reported. Under the FCRA, my rights are being violated. I've tried to dispute this through individual bureaus, but no action has been taken.
Consumer complaint received 2024-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc. (CA)

Almost two months ago, I opened an account with Skrill USA Inc. and funded the account using " virtual '' debit cards from another bank. About 10 days later, Skrill decided to suspend my account because they wanted to verify that it was me that opened and funded the account. They kept asking for driver 's license, selfies, bank statements, copies of the debit card, etc., to be sent to them to prove that it was me that opened the account. And I sent them all the documents that they asked for. But all documents I sent to them were getting rejected. My account has been frozen for over a month and I can not access my money. Skrill is holding {$9100.00} of my money. It's very difficult getting in touch with Skrill, not only they have limited hours ( closed on evenings and weekends ), but they never answer the phone when you call and when they do answer the phone, the call drops as if they're having phone problems. They suggest to contact them via chat but they only have a chatbot to answer questions which isn't very helpful. Another way to contact them is via email but sometimes it takes a week or more to get a reply. It's vey frustrating dealing with them, especially when they keep going at it for a month and a half to prove that it's me that opened the account.
Consumer complaint received 2024-10-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

My phone was stolen on XX/XX/year> I immediately contacted Cash app in my bank and also I made a police report cash app said that I didnt report it sign at first so they didnt wan na give me my money back now theyre stating that I had a security feature lock on my Cash app, which is not true. I dont have any passcodes or opinions to anything on my phone. If I did have anything regarding the fact, I keep my passcodes and pins in the notes of my phone. I dont have a passcode to unlock the phone. I just want cash out to address that it was fraud on the account and to release my funds or give me something stating it was fraud on the account so I can show my bank so they can release the funds to me. I did everything that was supposed to do cash. I had multiple reasons why they couldnt report that it was fraud on my account or release my funds back to me or let them my bank know that it was fraud on the account. I just want my funds back to me.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (WI)

Subject : Unfair Credit Denial and Inaccurate Justifications by Wells Fargo ( Case # XXXX ) Complaint Details : I am filing a complaint regarding Wells Fargos denial of my application for their 2 % Active Cash card, based on inaccurate information about my credit profile and inconsistencies in their response. 

Key Issues : 1. Misrepresentation of My Credit Profile : Wells Fargo claimed no open credit account reported with a balance, and not enough credit cards, retail cards, or credit lines paid as agreed. However, my credit reports confirm a 7-year history, 100 % payment record, and multiple open credit accounts in good standing. 

2. Inaccurate Application of Credit Usage and Limits : They cited issues with amount of credit available on open bank cards and stated that my accounts do not show responsible credit use. In fact, my report shows responsible credit usage with ample available credit across accounts, all managed well. 

3. Incorrect Claim on Account Age : They stated credit accounts opened too recently as a reason for denial, though my last significant account opening occurred over two years ago.

4. Transparency Concerns with Customer Service : Wells Fargo could not locate a recording of my call despite previous assurance of recorded calls, raising transparency concerns about the quality of Wells Fargos response process. 

Wells Fargos inaccurate response led to the denial of a card I should have qualified for, based on their stated criteria. I am requesting the CFPB review their application process to ensure fair assessments and transparency in handling recorded interactions. 

Thank you for your attention to this matter.
Consumer complaint received 2019-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TD BANK US HOLDING COMPANY (TX)

XX/XX/XXXX, XXXX XXXX Re cause no. XXXX TD Bank USA, Target VS They call my job every single day for my wifes old debt of XXXX from XX/XX/XXXX! 

They also have stated they want to take my wages and property. They have demanded I give them an inventory list of my personal property and wages so they can have them. 

They have demanded I give them my bank account information and details about my home. They even want know how many family pets I have, paintings, tools, and kitchen appliances. 

They also have demanded to know my salary, the name of my boss, and when my pay day is. They have made it appear that I will go to jail if I do not give them this information.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I was notified by XXXXXXXX XXXX XXXX  that they received correspondence from Experian that they have notified my creditors that my utilization ratio has excelerated and as a result every singe creditor reduced my credit limits which harmed me by taking my utilization ratio from 40 % to 82 % causing harm to my score. 2 creditors closed my unused lines of credit. Experian 's job is to report my payment history on my accounts they had no right to send this correspondence out to creditors. My payment history is exceptional 54 accounts paid as agreed.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, Experian, and XXXX.