davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

We completed a refinance through USAA. The refinance processed a few days prior to when our auto pay on the old mortgage was set up to pay. Even though the original loan was paid off, our auto pay for around {$3000.00} went through in early XXXX. I called USAA around 10 times between XX/XX/XXXX and XX/XX/XXXX to inquire about when we would be refunded that money. I received different answers from different people but most said it would automatically go out 30 days after receipt. 30 days after the payment i called again and the check still had not been issued. No one knew why and the rep said they would take care of it. XX/XX/XXXX, still no check so I call back. Different person says check still hasn't gone out they don't know why, will talk to a manager and follow up with me. It is now XX/XX/XXXX, I call back after receiving no follow up and the manager 's inquiry has gone no where and no one knows what happened. The person I talked to this time says she thinks the refund will go out on Monday but she will have to call me back Monday to verify. No one at USAA has any idea what is going on and at this point they are holding my money XXXX. If I can not pay my bills or my mortgage because they have my {$3000.00} are they going to refund me? The scariest part is I caught the error. I am not sure they would have ever given me my money back ( they still might not ) unless I had caught it. I feel they have been dishonest and have kept my money XXXX while providing me no resolutions, updates or compensation for this hardship.
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

Due to the Covid-19 pandemic I have a decrease in my income, because of reduction in the work hours. I called several times ( 2 or 3 ) in these days my mortgage provider, FREEDOM MORTGAGE, to arrange a forbearance, according to the new CARES Act. They told me to fill in their Covid-19 Financial Hardship Notification form. Surprisingly I saw before I sent that form, that the only option they had for a forbearance request is the pay everytrhing back at once option at the next month ending the forbearance plan. I told them that there were three different forbearance options on the Consumer Financial Protection Bureau web page. On the CFPB page under the title What is mortgage forbearance? and then under the title Here are some forbearance examples to guide you, are three different forbearance options. I told Freedom Mortgage, I requested the Paused Payment Option-Paid back at End of Mortgage. That is to pause payments up to one year and pay that amount at the end of the mortgage loan. They answered me, that they only have or work with one option, that is the one payment back in full at the end of the forbearance. That is no help at all and that is what I tried to explain them. I respectfully request that FREEDOM MORTGAGE, take in account the Covid-19 hardship that I am in this moment and start to offer all of the forbearance options that are under the CFPB instruction pages. This is also a matter of the CARES Act.
Consumer complaint received 2024-07-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (TX)

I bought a XXXX Vanilla gift card from XXXX. 

This company is selling cards with missing card number on the front which prevents customers from checking balances and using the card for online purchases. 

When I reported the issue, the card got deactivated and now I can not be use it. The customer must wait days for an investigation. 

There should be internal control ensuring cards are properly printed.
Consumer complaint received 2022-04-13
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. (GA)

On XX/XX/2022 I filed a dispute in reference to in the items on my report. It has been well over 30 days and no investigation results have been provided.
Consumer complaint received 2020-06-12
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: Bread Financial Holdings, Inc. (RI)

Good Afternoon, XXXX I have tried disputing these negative errors on my credit report, for not paying. I disputed with XXXX, Comenity Bank, by uploading, mailing documents of payment history. I have all of the documents of the payments made. I had set up a payment plan with Comenity Bank to have the money withdrawn from my account each month, in which they did. 
Then they closed my accounts, without my knowledge. With them not updating my credit report, It has been stressful for my health. I already have serve health condition, which has gotten worse during this stressful time of going back and fourth. 
I would like this resolved, so I dont have to go through this anymore. If I was in the wrong, I would understand, but I am not and have PROOF of all my payments. 
With them not removing the negative late payments, has caused me to have an extremely high interest rate with a car loan and car insurance. 
I started disputing these items XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and again XX/XX/XXXX. 
If someone could get back to me, keep me updated, I would appreciate it. All of my documents are attached. 

Best, XXXX XXXX XXXX XXXX XXXX, XXXX  Rhode Island XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I have a personal dispute with my business partner, XXXX XXXX. We own a business in the state of California. I am XXXX, XXXX and he is white. He inaccurately filed a statement of information with the XXXX of XXXX which I caught and immediately noticed XXXX in person on XX/XX/2020. I brought them all the documentation. They refused to take it. Gave me reference # XXXX. I then emailed them all the documents and called the next day. No response. I went to another branch on XXXX XXXX on Tuesday, would not take any information or tell me anything. I called telephone banking several times and also spoke with numerous wellsfargo employees. I don't even know what the balance is an account that we have a credit card and I have XXXX of personal funds in. I went again today on XX/XX/2020 and tried to give them all the documents again only to receive and email from a XXXX XXXX stating they are still looking into it. Meanwhile my business partner has suspended access to our XXXX and I have no way of knowing what credit he is pulling on behalf of the company or what deposits or withdrawals are being made. I am getting collection calls from recurring expenses for the business. I believe my business partner is misappropriating funds from the Pay Check Protection Program. I have no way to even find out right now. I noticed wellsfargo of the fraud and they did nothing. Nothing. 

Today is XX/XX/2020 and I can not even pay recurring expenses and getting collection calls.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MS)

On XX/XX/20, I saw a sponsored ad on XXXX for an item and clicked the ad to see more info. I originally thought, " Wow, this is a great deal! '' so I used the AMEX Serve card to order the product. I realized about 10 minutes after receiving the confirmation email and reading comments that this was a fraudulent company. Sure enough, the ad was a scam so immediately emailed the company to cancel my order. The company was obviously based in XXXX somewhere because of the language used in the " confirmation email '' so I couldn't just call them over the phone. 

The order was processed through the XXXX app and charged {$83.00} to the Serve card. XXXX wasn't responsible and referred me to American Express Serve. The scam company never responded to any of my emails so I filed a Fraud Incident with AMEX SERVE to get my money back. I had to provide as much detail about the purchase as possible and about 2 weeks later received a DENIAL of the fraud claim. According to SERVE, I authorized the transaction so it wasn't fraudulent. 

I immediately called the Fraud Dept because obviously I didn't agree with their determination and the claim was re-opened. Had this been a traditional bank account, they would have sided with me & refunded the money! This time, I provided even more detail, screenshots of the emails and XXXX page no longer existing. I showed the website that linked to my specific order was now showing " the XXXX XXXX No Longer Exists ''. 

I also filed a police report/complaint and sent it to AMEX. 

It's been over 2 weeks and still no response from SERVE on whether they will refund my {$82.00}. When you call, it's a long hold time or disconnected during the transfer. This is so frustrating because AMEX usually has decent protection for their customers that shop online.
Consumer complaint received 2022-11-06
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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.
Consumer complaint received 2020-04-13
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: Statebridge Company (IL)

Loan was discharged in XXXX Bankruptcy Statebridge purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB Statebridges records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include
Consumer complaint received 2020-04-13
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (KY)

I have disputed these 5 student loan accounts, they are validated through the credit bureaus, so someone can find them. Or they EdFinancial just rubber stamps as correct, factual and accurate. How can EdFinancial validate if they can't find them?
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I signed up for a $ XXXX {$300.00} checking bonus back in XXXX. I did my direct deposit of {$500.00} in XX/XX/XXXX. The terms say I should receive the bonus in 90 days. I've called into the branch multiple times and reps have confirmed I should have received by now. They were supposed to call me back 2 weeks ago and I never heard back.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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.
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

My LTV is at 77 %, I have never missed a mortgage payment, and have been paying PMI since XXXX. 

A written request to remove PMI from my conventional TIAA bank mortgage was denied, citing that I need my loan at 70 % LTV. 

My original written request was submitted in XX/XX/XXXX and just last week XXXX XX/XX/XXXX XXXX was the first time I was able to connect with the right person at TIAA to address this.
Consumer complaint received 2023-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2021 I was shopping for a vehicle for my business and the dealer pull more than one hard inquiry on my report. My credit report was misused without my permission. I was under the assumption that only one hard inquiry would be used for my credit report.
Consumer complaint received 2020-04-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

I was affected in this covid 19 pandemic. I was temporarily lay off as of XX/XX/XXXX. I called freedom mortgage company last XX/XX/XXXX ( if Im not mistaken, ) I contacted the company to inform them that I was affected in this pandemic and I needed help. I was told that they are still waiting for the governments approval regarding mortgage relief and the only way they could help me is to apply for a forbearance loan which is after 90 days of no payment I have to pay the remaining balance of 3 mos which is i cant afford to pay 3 mos worth of a mortgage. So I refused to apply and decided to wait. On XX/XX/XXXX, I called again and ask them if freedom mortgage has a new system of helping costumers affected from covid, unfortunately they dont have any option again except to apply for a forbearance. Freedom mortgage is too slow to help their costumers in this time of hardship. Mortgage Companies in the state of New Jersey were already offering deferred payment or pause payment for 3 mos until pandemic will be over .freedom mortgage Costumer representative claimed they are still waiting for the governments approval to take deferment mortgage payments but as far as i know this is already approve in other mortgage companies. I just dont understand that in this hard times especially in the state of New Jersey we are hardly hit and it should not take so much time to assist costumers not to mention an hour wait on the phone to get the answer. In this hard times as a costumer, Im expecting that freedom mortgage will at least work with their costumers in times like this most especially the people that were affected I at least give us peace of mind that we will not loose our shelter. But unfortunately, until now they dont have a better options to give their costumers some relief in paying the mortgage and it takes them so much time to handle this kind of situation.
Consumer complaint received 2020-06-12
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: WELLS FARGO & COMPANY (CA)

I received a letter from wells fargo bank, it was about wells fargo account by my name and my address on the letter, that account I did not open, it informs me about checks deposited to or cashed against the account suspected to be counterfeit. 
Wells fargo did identity deft, fraud, opened an account by my name, and deposited counterfeit ( fake ) check to that fake account. I called them immediately after I received the letter and told them that I did not do that, I asked the operator to tell me about this identity deft, fraud, and they told me that it was done online, I asked them to provide me about who did that or from which direction it is coming from, so I can do my part of security measures to avoid further happening or attempts of identity deft, fraud, by my name, they did not provide me anymore of how did that happened, this is a big concern for me, this can harm my financial status. I keep my documents in private, only I have access to them, nobody else has access to them, and my electronic information protected by a password.
Consumer complaint received 2020-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (FL)

Debt totaling {$1600.00} was paid on XX/XX/2020 to the collections company Arstrat ( Phone Number : XXXX ) on behalf of XXXX XXXX XXXX. Amount was paid and deleted off of credit history and now ( XX/XX/2020 ) the debt has been placed back on my credit after already being paid and deleted.
Consumer complaint received 2020-06-12
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. (NC)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$2000.00} XXXX {$7600.00} XXXX {$700.00} XXXX {$24.00}
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

On We recently filed a complaint with you No. XXXX against XXXX. Approximately one year ago we erroneously made a {$50000.00} payment through our Wells Fargo Bill Pay online to a closed XXXX Mortgage account. Wells Fargo said they sent it electronically and XXXX said they never received it. Both companies are denying liability and claim they are not responsible. I am again attaching proof provided to me by Wells Fargo that the payment was sent. This is such a large amount of money and Wells should be able to provide us with proof that the money was sent electronically, to what account and proof that is was accepted. We desperately need relief and would be grateful for your assistance.
Consumer complaint received 2020-04-13
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. (AR)

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00}
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$190.00}
Consumer complaint received 2020-06-12
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: EQUIFAX, INC. (NC)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$2000.00} XXXX {$7600.00} XXXX {$700.00} XXXX {$24.00}
Consumer complaint received 2020-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (IL)

This company is using the Covid-19 crisis to try to scare customers into thinking they are late on payments and are highly pressuring customers to use their stimulus money to pay off remaining balances that are not late or overdue. I have made every single payment on-time since I received the loan and just received this is an email from them : This is a reminder that you have a remaining small balance of {$140.00} on your XXXX account. Our records indicate that some or all of this small balance may currently be past due. 

A tax refund is a great opportunity to close this account out in full and honor your remaining obligation on your XXXX loan. Putting that tax refund to good use, to resolve your debt with us, will allow us to close this account permanently and stop all further efforts to collect. 

I have never missed a single payment and am still being threatened with debt collection if I dont use my stimulus money to immediately pay off the remaining balance and settle an account that is current.