davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I had deferred 10 mortgage payments during the pandemic. I was told then, multiple times by the bank that my deferred loan payments would be due at the maturity date of my loan which isXXXX 
I have paid my mortgage on XX/XX/2023 because Ive been paying extra cash/ month except for that deferred payment during the pandemic which amounts to {$20000.00}. 
The bank is telling now that I need to pay that entire amount now rather than the maturity date of the loan. Just because I paid the loan early. I find that very unfair and misleading.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was trying to build my credit score, so month after month my score kept climbing, nothing appeared odd on my reports that I was checking in on. Then one day I received a notification that my Equifax score had dropped by XXXX points, upon further investigation I saw that a line of credit had been opened in my name and they ran a charge to the full amount of XXXX XXXX dollars. A few oddities I noticed from the beginning was that it said I had opened this line of credit years ago which could not have been possible ( I believe it said the line had been opened around XXXX ) but not until recently ( around XX/XX/2023 ) had the account been maxed out or even touched. Another thing that seemed odd was the company that had allowed this line of credit which was ( XXXX  XXXX ), I could not find much information about this company and there address they provided on the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX is mail only, they apparently have no email or phone number. I contacted XXXX bank since the information I did find pointed me to that company being responsible for supplementing the credit. After a brief phone call with there identify theft department they determined they could not help me but 2 weeks later they called me back and said they will look into the report. After 15 days I received a letter in the mail stating they could not find any instance of fraud as they could not locate the specific account. This issue issue is still unresolved and now Im trying the next step to get this handled.
Consumer complaint received 2023-05-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc (CA)

We applied for and were approved for a HELOC through Figure Lending in XXXX. When we originally applied after refinancing our home our home was appraised at $ XXXX last year. When we went to make our first draw on our HELOC for only $ XXXX on XX/XX/XXXX we were denied the draw from Figure Lending stating that our home was valued significantly less than the original valuation. The original denial letter did not include the amount it was appraised at, how it was appraised, or an appeal process. After following up with Figure they disclosed the appraised amount was from a third party XXXX and there are no comparables or appeals with the XXXX. The XXXX valuation from XX/XX/XXXX was {$740000.00}. Our home mortgage is currently only $ XXXX. With that valuation that is still nearly $ XXXX over what we owe on our mortgage, or nearly $ XXXX in equity. Our original HELOC was for $ XXXX, there would still be an additional $ XXXX in equity not included. Our options we were told were to cancel the HELOC and find another lender- which we did explore. The problem with this option is we would pay additional fees to Figure for money we never had access to, wait for the lein to pass to apply for a new HELOC with another lender, and be subject to 5-7 weeks of additional processing time and paperwork that we have already completed. Or to wait 60 days and there is no gaurantee we can access the money Figure had agreed to finance us for. 

We believe this black hole of the XXXX, as well as the process to deny us access to a HELOC that we were originally approved for, is suspicious and they collected fees from us during the application process. The platform of the business seems unfair and lacks transparency, as well seems to be against fair lending practices.
Consumer complaint received 2023-02-03
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have unauthorized inquiries on my credit profile that i did not apply for. ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, 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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have requested a re-investigation of the accounts listed below with a letter dated XX/XX/2024 from XXXX & have not received a response. Upon pulling a copy of my credit report I noticed for the accounts listed some inaccuracies and I would like you to conduct a re-investigation and want the accounts verified and validated. If the account is validated and verified who validated and verified this information. What is the name of the person & their title? Please provide proof of the certifying information. It is your job to ensure the furnisher of this information is reporting correct and accurate information. 

Accounts : XXXX XXXX XXXX ( Collections ) XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XX/XX/2023 I went to Kohl 's with my mother to buy some clothing. The cashier who I believe was named XXXX, assisted us. I held my phone out to use a coupon that was from the Kohl 's app, and the cashier said to my mother " he's must be crazy if he thinks I'm going to look at his phone '' I replied and said " I have a coupon from the app '' he said " says who? '' I replied and said " The Kokl 's app '' he ignored me and continued to ring up our purchases. He continued to mock me for having my coupon and at the end said he has the coupon already. I put my phone away. When he was done ringing up the purchase, he applied a discount to show me the savings I could have if I applied for a Kohl 's card. I thanked him and declined. He said it's not a credit card and I could save money this way. I declined again. He removed the discount and told me that I could just pay {$1.00} on the Kohl 's card and then the rest on my credit card to get the savings. He said that was the way to do it if I was smart. I declined a third time. I felt pressured into applying for this card and misled into believing this was not a credit product. I don't feel comfortable going back to Kohler 's knowing the harassment I'll be subjected to for not applying for an unwanted credit product. 

Date of issue : XX/XX/2023 Time : XXXX XXXX  Store number : XXXX
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My credit card had {$89.00} transaction on XX/XX/2023. 
I have not used this card in XXXX in Bj 's and any other place. So, I have tried to dispute transactions in online banking, which was denied by capital one. 
After that, I have called capital one to dispute the transaction and in the first thing, the call center has also denied to dispute this transaction. 
At the end, they filed a dispute on XX/XX/2023 and I showed credit for this disputed transaction and again, next day, I showed the debit of this disputed amount. 
Once, transaction is disputed, then, the bank should provide temporary credit and should not charge that disputed amount to the customer, but, here, capital one has denied to provide that temporary credit also. Right after seeing this, I have again called the contact center and they said they will look into this. 
Even after 4 week, I have not received any letters and updates regarding my dispute and complaint. 

Bank should not charge and should provide temporary credit for disputed transactions, but, here, capital one has failed and refused to do that. 
Capital one should refund me back the disputed transaction amount along with interest. 

I have also mentioned during my calls that, I will complain to CFPB and OCC regulators regarding this matters, but, still, there are no any updates from Capital one. 

Here, Capital one is violated several rules for dispute and harming to millions of customer like me. 

I am requesting CFPB to help me resolve this matters and also investigate disputing practice of Capital one. I believed, Capital one is doing harm to millions of customer like me.
Consumer complaint received 2023-05-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (MI)

I made a purchase with XXXX online total amount {$260.00} charged using the Afterpay option. The items were later returned and a full refund {$200.00} was processed by XXXX, however Afterpay did not return my full return as they advertised and they have removed the order from transaction history so I could upload proof of this from their platform. Attached I have the returns processed by Afterpay that do not equate to the amount returned by XXXX. Refund all my funds to my form of payment and stop practicing unethically.
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-05-29
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: Southwest Credit Systems, L.P. (TX)

I am writing to dispute certain inaccurate information that is appearing on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( a ) ( 1 ), Section 611 ( a ) ( 2 ), Section 611 ( a ) ( 5 ), Section 611 ( a ) ( 6 ), and Section 611 ( b ). Upon careful review, I have identified multiple inaccuracies in the reported account information. I kindly request a thorough investigation to rectify these errors, permanently delete the accounts from my credit report, refrain from selling this inaccurate information, and ensure its removal from any secondary credit bureaus.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (OK)

We are trying to pay our mortgage through Bill pay through our credit union. Our credit union keeps returning payments to our account because we have been given 3 separate addresses to send our payments to. One on our statement which gets returned, one from the website and one new one from a representative on the phone. We keep getting late notice and calls but we are concerned and upset that bill pay for XXXX is so hard when we do not have this problem with our other payees.
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Someone had contacted me on ( XX/XX/2023 ) about a personal assistant position in XXXX XXXX saying that it was no longer available but they had another position in my area and they said they got my information from XXXX. At first, I was confused because no ones ever texted my number from XXXX  they would email, but then I thought it was legit because they had my contact information. They then sent me a link and said, if youre interested fill it out, I was asking them about the location and they kept saying its remote and then I asked them about it a second time just to make sure and they had an attitude and told me I said it was remote its from home, in an annoyed way and like I would only have to work three days out of the week from home and get paid XXXX weekly. After I had filled out the form they said great you start next week and I didnt hear from them for the next three days and then on Tuesday ( XXXX XXXX ) they had texted me about receiving a check from them. It was delivered around XXXX XXXX  and I was told I can cash it around XXXX XXXX, it was a {$4900.00} check. I had mobile deposited the check into my account because they said that was fine, I want to say about XXXX of it was supposedly released to me thats what I saw in my mobile app. They wanted me to immediately send it to somebody and send them Screen shots of it confirming I sent the money to that person. The person ( XXXX XXXX ). The bank had said the check will be held until the XXXX and then on the XXXX it said it will be held until the XXXX and on the XXXX it said the whole check was getting sent back and all my money was taken out of my account which left me in debt, and the money that I did have went to that person that I sent {$400.00} to. I asked them about it and they told me that I did something wrong with the account and they will send me the money to cover the debt and my weekly pay as well. They told me I would be receiving a check shortly and on ( XXXX XXXX ) I received another check with the same amount that was on the first check and different signature on it, this time I took it to my bank and they told me the check was fake and to not contact the scammer anymore and to block him. Thats exactly what I did and now Im {$340.00} in debt.
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please see the attached response from the company and update the late payment on my credit report for account XXXX XXXX XXXX. This should have been updated months ago.
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Henley, Lotterhos & Henley, PLLC (MS)

I was contacted by XXXX XXXX regarding an alleged debt owed. This is hearsay as XXXX XXXX has no firsthand knowledge or bore witness to any of my Consumer Credit Transactions. Be it known, that I hereby dispute the validity of said debt in question. In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, XXXX XXXX and Henley, Lotterhos, & Henley, PLLC have been notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor to resolve this matter, as warranted. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. In addition, Henley, Lotterhos, & Henley, PLLC are hereby requested to inform and / or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. As mentioned in the beginning of my notice XXXX XXXX and Henley, Lotterhos, & Henley, PLLC alleging that I owe any debt is hearsay and borderline defamation of character because they do not have firsthand knowledge of or bore witness to any of my Consumer Credit Transactions because I have no account with them, nor am I their customer, nor have I ever entered into a legally binding contractual agreement XXXX  XXXX and Henley, Lotterhos, & Henley, PLLC. I request the following information that I entitled under Title 15 USC 1692 ( The Fair Debt Collection Practices Act ). 1. ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. ) What is your authorization of law for your collection of information? 3. ) What is your authorization of law for your collection of this alleged debt? 4. ) Please evidence your authorization to do business in my state. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in initial correspondence.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (LA)

In late XXXX, I purchased a television off the Internet. It arrived about a week later however, the person that sold it to me sent a different television that had a broken screen. I opened up a return with the vendor, and sent the television back, but I never received a refund. I filed a dispute for this charge in the amount of {$1200.00} on XX/XX/XXXX of XXXX. American Express removed the charge for my account, and then re-charge my account without authorization about two months later. This is because the vendor provided evidence to American Express that claims that a different television was received. I believe this evidence was falsified so they could attempt to retain the disputed amount fraudulently. 

I am very dissatisfied with American Express for accepting this evidence is genuine.