davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IN)

In XXXX of XXXX  I discovered money in my checking and Savings that did not belong to me. I went to Wells Fargo, sat down with a banker I requested her to close or freeze those accounts. I ask for 2 new accounts. Instead I got 4 accounts, the first 2 accounts were not closed They ending up overdrafting my first two accounts .I requested more info, since now they are looking at me for the answers. I found out someone had mobile deposited monies in my checking and savings. This was done in New York! I have never been to New York, nor deposited any monies thru mobile banking. The back of the check has my name printed. I tried to convince them I had nothing to do with this, Wells Fargo told me I could never bank with them again, and they took my 2 Social Security checks. one for {$110.00} and one for {$630.00}. They lied and said they sent the funds back, since they closed my accounts. Not true I could not pay my bills. In XXXX  they contacted me, saying maybe the made a mistake! They sent me {$150.00} and {$500.00} more when I complained. I still never got my money for XX/XX/XXXX. I believe they gave me money because they were getting sued I knew nothing about the lawsuit, so I was cheated out of more compensation I am submitting paperwork. I will be numbered, They gave me the run around, I could never talk to the same person, in the same city. The paperwork will show this. I was treated in fairly and like a criminal. I did nothing wrong. I recently got more letters from them about Identity theft. I never had that to my knowledge. So I guess I am getting shafted again. I am XXXX, the way I was treated was so wrong. My XXXX got worse, as well as my problems with my XXXX. No-one deserves to be treated this way. They took all the money I had, I could have has my bills shut off or lost my place to live. I really pray you can help me. I don't have much, but I pay my bills. Wells Fargo judged me unfairly! There are case numbers on some of the paperwork as well.
Consumer complaint received 2022-12-06
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)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX 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 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 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (IL)

I have sent a dispute package to the credit bureau where the account is listed and Affirm has refused to remove the account from my report. I sent multiple pieces of evidence in support that the account was not created by me and Affirm refuses to take action. Additionally, I have called the Affirm " customer support '' team multiple times and they are incredibly unhelpful. I would not consider them " support '' as they have not supported me whatsoever.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I have  XXXX  items on my credit profile that is inaccurate and I have disputed this 7 times and each time the credit bureau says that they have validated and verified that the items are accurate but I know that they are not because  XXXX  of the items is the same creditor with different amounts due and they just updated my credit profile on  XXXX / XXXX / XXXX  adding an additional {$7800.00} owed when this account is over  7 years old. T he last dispute was done  XXXX   XXXX .  (  Experian &  XXXX  ) are the credit bureaus that is still reporting this item *Twice* The other item that  I had disputed was in litigation and should have been resolved due to an consumer complaint I had filed against the company and to no avail has this been verified or validated, just another case of the credit bureau saying that it is valid without further investigation. The amount is inaccurate because this item should have been removed due to the litigation. I have been disputing this item since  XXXX  and the last dispute was done  XXXX   XXXX   ( Experian &  XXXX  )  are the credit bureaus that is still reporting this item.      The final item is another case through   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   and a vehicle that was sold to me was sold as a vehicle that had passed emissions and to later find out that the vehicle could have caused a fire and put my life in jeopardy, which I filed another consumer complaint with the   XXXX   XXXX   XXXX   XXXX   XXXX    and their emissions department. I had an i ndependent Arizon a State  official emissions officer inspect the vehicle and had not seen any prior emissions records that was done prior to selling me the vehicle which I have submitted documents to Experian who is reporting this item to verify and to no avail I was unsuccessful in the validation/verification of any findings. I h ave been disputing this item since  XXXX  and each time I try to resend the information for verification their response is that the item is valid. The last dispute was done  XXXX   XXXX . The down payment was refunded  XXXX   XXXX  in the amount of {$1000.00} after disputing the problems with the government agencies.
Consumer complaint received 2023-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VA)

My identity has been comprised since sometime in XXXX at least. Last XXXX XX/XX/XXXX, I received a notice from the Virginia Employment Commission ( VEC ) stating that I filed for unemployment benefits. However, I've been gainfully employed the last 16 years with the same company and my company denied the claim due to it's fraudulence. 

I filed a police report with my local police department, added a fraud alert and credit freeze and pulled my three credit reports. I saw three accounts that I did not open, charged off in collections- all opened in XXXX during covid. 

I reached out to XXXX XXXX and advised of the unauthorized account, I asked for proof such as picture ID or signed contract - they stated the account had been sold. 

I reached out to Jefferson Capital also advising them of the unauthorized account they stated they would look into it. I disputed the tradeline and it was validated by Jefferson Capital.

Now, Jefferson Capital is suing me in district court, to collect on a fraudulent account opened with my stolen identity, which I have evidence it was stolen based off VCC letters, police report etc.

I've asked Jefferson Capital to send me a signed contract ( if e-signed a picture of the signature ), picture ID of the applicant to identify who opened this account ( which could lead to the arrest of the perpetrator ), which would exonerate me of this debt and stop Jefferson Capital 's collection efforts.

I request that Jefferson Capital cease all collection actions and delete their tradeline from all credit reporting agencies permanently. 

Any legal fees or wages lost may be added to my countersuit in court or via arbitration.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I took a cab from XXXX XXXX XXXX XXXX to the XXXX XXXX. I was quoted {$75.00} USD and charged an amount reflecting this amount via a card reader. I was not provided a receipt even though the merchant said it would be sent to me. When I looked on my credit card statement I had a charge of {$1700.00} from a merchant titled XXXX XXXX XXXX XXXX XXXX. 

I have been unable to locate or contact this merchant but disputed it immediately. Citibank denied my dispute. I called and asked them to provide documentation supporting their denial as well as a receipt for the purchase or any communication from the merchant. They refused all of the above. I never agreed to pay this amount. I do not recognize this merchant and there is no contact information available.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I am highly upset the credit bureaus have responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. I am authorizing this investigation this is not a third party company
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Hamilton Law Association (VA)

Hello. My name is  XXXX   XXXX  and I was repeatedly contacted by The Hamilton Law Association,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Phone  XXXX , email address :  XXXX  XXXX  XXXX , website : www.myhamiltonlaw.com regarding a debt that is more tha n 10 years old. The original creditor was  XXXX  and the   account had a balance of {$18000.00}, account number  XXXX .     I was contacted in  XX/XX/XXXX  and was told tha t Hamilton Law had a lawsuit ready to file against me regardin g this matter. They offered to settle the matter for {$7800.00} but gave me less tha n 24 hours  to come up with the money.     The money was paid to  Hamilton Law  so they would not sue me and take me to court. I was afraid of the threats they were making regarding filing suit and how I would pay for the money owed.     I suffered a   XXXX   XXXX   in  XX/XX/XXXX  and earn significantly less than I used to. I can not afford to the funds paid. I now work for  XXXX   XXXX   XXXX   XXXX    XXXX   and the more I continue to think about this matter, I feel like I was coerced into paying money that I do n't have and feared about the concequences.
Consumer complaint received 2017-05-09
Product: Debt collection — Payday loan 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: CNG FINANCIAL CORPORATION (FL)

My wife and i took out a pay day loan with Check and Go on  XXXX   XXXX   XXXX  we have been paying this account for months and months, we have been getting threatening phone calls from the number  XXXX  she is now saying that if we do not pay the amount owed they will issue a warrant for my arrest.   They will not send anything in writing to try and set up a payment plan with them. they only want us to pay up front, not even sure if this is a legitimate company. And now they are calling our work number constantly. Even after being told not to call our job.   We need help on this.   We have also contacted Check and Go but they said that this account has been sold and they no longer have anything to do with the account.       Thank you and have a wonderful day.
Consumer complaint received 2023-11-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I purchased a {$200.00} gift card from XXXX on XX/XX/2023. I have not been able to use it at my landlord ( XXXX XXXX, XX/XX/2023 ), at XXXX ( XX/XX/2023 ) or at XXXX ( XX/XX/2023 ). The only transaction I have ever seen posted was a {$0.00} pending transaction on XX/XX/2023, which was reversed XX/XX/2023. 

I have contacted ( XXXX ) XXXX ; the representative " XXXX  '' simply confirm my card is valid, and also confirmed that the XXXX XXXX and XXXX transactions have been declined for security reasons. " XXXX  '' then asked me use the card elsewhere, but failed to tell me where the card would be accepted. " XXXX '' also asked me to call ( XXXX ) XXXX for customer service ; upon calling that XXXX number, there is only an automated message asking me to be sure to enter my card number, expiration date, and security code -- all of which I had done in the declined transactions. There is no option to speak to a live agent at the XXXX number.
Consumer complaint received 2017-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I have  had an American Express cr edit card for a while ( sin ce  XX/XX/XXXX  ). I  have  XXXX  types of accounts with AmEX.  XXXX  that is paid in full at the end of the cycle and  XXXX  that is a revolving account that they call, " Pay  Over Time. ''  On occasion, AmEX will ask for a payment prior to the due date because they feel you may be exceeding an algorithm limit. In the past, I have paid this amount and payment has been credited to the amount paid-in-full ( not the revolving account ).     On   XX/XX/XXXX , A  mEX requested I pay {$2600.00} as I had reached some limit. I paid the requ ested amount. At the end of the month when my pay-in-full was due, the amount AmEX said I owed them differed from the tallied amount. I call many time  (   > 4  times  )  to try to find out what the problem was, and, each time I was passed to a minimum o f four ( yes, 4 ) ag ents who could not help me. I called the last week in   XX/XX/XXXX  to find see if I c ould get to the bottom of the problem and found out AmEX credited the {$2600.00} payment to the " Pa y Over Time ''  account. This had never happened before. They refused to move the payment over to the pay-in-full account and expect me to fork over this amount.
Consumer complaint received 2022-12-20
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (ID)

I have accounts on the XXXX reporting company 's that I have disputed over and over and they will not remove that either are paid or asked them to remove it cause I don't have the card the account is totally paid. I have sent disputes over and over and I just got an inquiry that I didn't do and they won't do any thing
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Movement Mortgage LLC (NC)

I applied for an FHA mortgage, I was pre-approved, put an offer in. The process was delayed due to him dealing with a drug overdose, and then he switched my loan from FHA to conventional without my knowledge, I never signed anything that said conventional. This caused a denial which caused me to lose the home that I was set to purchase, I lost money on the earnest money deposit, inspection, the rush appraisal. Had to order a rush appraisal because he failed to order the appraisal within 72 hours as the contract stated he was required to. He failed to communicate after numerous attempts, verbally told me I was approved and everything was fine, within XXXX minutes of hanging up the phone he sent me a denial, after I paid for the rush appraisal based on his conversation telling me that I was approved and we needed the appraisal. 

I have since spoken to another lender who has gotten her underwriters to check everything and I should be fine to purchase a home for the same price under FHA instead of conventional which is what my original loan terms were with this lender. I don't know why he changed my loan to conventional, especially without my permission. And then he tried to tell me that it had been conventional from the beginning but I have documents showing it was FHA.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I found some inaccurate information in my credit report when I checked it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3credit bureaus must verify these items. It is not acceptable to disregard the verification of these reporting itemsas unreliable information without presenting any supporting documentation within the legally permitted time frame. My credit report lists the following itemsas needing to be looked into and fixed for inaccurate reporting in my file : 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (CA)

I have read many times over the years that paying at least half of your mortgage payment XXXX weeks early will reduce your interest paid by a significant amount. I attempted this in more than one way with JpMorgan Chase but payments were not credited properly. 
My interest and principal payment is {$1600.00} monthly. I have always paid this on time and always with additional to principal. Initially by paying {$2000.00} by a few days before it was due on the first of the month. Then for my XX/XX/2023 payment, I increased the amount remitted to {$2100.00}, still in XXXX payment a few days before it was due on the first of XXXX. So far, so good. 
For my XX/XX/2023 payment, I began sending {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. JPMorgan Chase credited both those payments to principal and nothing to interest due nor the additional to principal and charged me an {$81.00} late fee. When I called them on the phone, the representative told me that I had already paid the late fee, and it could not be reversed. I then went into a Chase Bank branch and sat with a XXXX XXXX XXXX who got on the phone with customer service. XXXX told us that if the payments were changed to automatic payment ( JPMorgan would debit my checking account from another bank ), the payments would be credited properly. They also said that they would reverse the payments and apply them they way I intended and send me a verification of the corrections. They never did send verification. 
So, I started automatic payments at {$1000.00} XXXX weeks before the due date of the first of the month and a second automatic payment a few days before the first. JPMorgan then applied the first payment to interest only making my second payment inadequate to pay the principal due. Another late fee of {$81.00}. I called customer service, we spoke, but the following month they held the first payment ( which again was XXXX weeks early ) as unapplied until they recieved the XXXX payment - contradicting what they had told me about it being applied to principal when recieved. 
I then started sending the entire payment due plus an additional {$470.00} ( {$2100.00} payment ) XXXX weeks before the due date. They mis-applied that to interest and again charged me an {$81.00} late fee. 
My most recent conversation with supervisor XXXX at ext. XXXX was that early payments can not be applied until they are due, though she was very helpful in analyzing what had happened and said she would research early payments and get back to me. 
I feel that early payments should be applied properly rather than negating their intended effect of ultimately reducing the principal and therefore the interest owed. The bank has my money and should have a process to apply it properly after my several attempts to explain my intention.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

Citi Priority, I opened a new acct in XXXX, I deposited {$15000.00}, I received a debit card, checks, a pin, a confirmation letter. I even tried to deposit more. All of a sudden, they froze my acct & wouldn't tell me why. On XXXX, they sent me a letter saying they closed it because I violated the account terms per the client manual, but won't tell me how, I only had the acct open for less than a week. They said they will mail me my XXXX, sometime in the future. I am very financially responsible person w a very high credit score!
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

My information was sold and bought illegally, because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports