davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (NJ)

When I reviewed my credit report, I discovered that there are many unverified inquiries in my credit report. The inquiries listed in my report were unauthorized. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continue to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 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 XXXXXX/XX/XXXX EXPERIAN 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

XX/XX/2019 my Mortgage which is on a 30 yrs fixed rate at 3.875 percent just went up an additional XXXX a month and the Escrow just told me it was because of switching insurance and switching back to the original insurance which make NO Sense!
Consumer complaint received 2023-03-15
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. (AZ)

I am putting this company on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.
Consumer complaint received 2023-03-16
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 Owed : {$0.00}.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (NY)

On XX/XX/XXXX XXXX XXXX XXXX contacted me regarding a collection debt for monies owed to XXXX XXXX XXXX XXXX for an account I cosigned ( I was informed all amounts due on the account were paid in full ). I responded on XX/XX/XXXX in writing to verify debt and never heard back later learning they reported me to the credit bureaus. I contacted them and they acknowledge receipt of letter with 30 days but did nothing to verify. On XX/XX/XXXX I received a letter from National Recovery Agency ( XXXX XXXX XXXX, XXXX, PA XXXX ) providing an itemized bill which did not show what was owed clearly. I sent them a letter on XX/XX/XXXX requesting back-up to verify amounts on the bill that were not clearly valid. I have never heard back from them to date and learned they reported me to the credit bureaus.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received the first annual mortgage escrow account statement on XX/XX/XXXX of this year indicating that starting XXXX first, my payments will increase by 32 % due to insurance cost and estate taxes and a shortage of {$11000.00}. The company states that that amount will be divided by 12 and added to the monthly mortgage payments. Additionally, based on what they expect to pay in the next year, the escrow portion of the monthly mortgage payment will be {$1800.00}. 
So my monthly payment will increase by 32 %. This is outrageous since I have a fixed rate of 4 %. 
My complaints are as follow : 1.-never had a composite analysis since inception of the mortgage in XXXXXXXX XXXX XXXXXXXX. Never had one for XXXX or XXXX. 
2.- never had a escrow account analysis before seeking repayment of deficiencies, such as amount of dollars at the beginning of the year 3.-they paid {$22000.00} XXXXXXXX XXXX XXXXXXXX when at that time my taxes declined to {$15000.00} after I appeared in fron of the taxation board. 
4.- I requested too discontinue the escrow account since I paid 20 % of the sale price of the house and since purchase it increased in value, the account is more than one year old and I had no late payments I submitted the above to the company FITH THIRD BANK , they called me and I requested a written response from them since a verbal one will not satisfy me. Weeks have gone by and I do not get a written response.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (NY)

My mortgage was sold to a new mortgage company Selene Finance. On or about XX/XX/XXXX the Selene Finance sent us a loan modification. On the modification they provided the total amount of the loan and claimed owed twenty three payments that we were behind in the mortgage and we owed escrow. The unpaid principle on our mortgage is {$200000.00}. Selene claims that there are payments in the rears and escrow for a Total Cap amount of {$62000.00} which was added to the mortgage. 

My wife and I have been making payments for and do not believe we were ever in the rears on the mortgage for this amount. I put several requests into Selene Finance customer service department and the Loan Modification department for back-up on the Total Cap Amount of {$62000.00}. These requests started on the phone in late XXXX and were sent in writing in XXXX a couple times. Minimal information was provided to us. 

I sent a formal request for documentation was sent to Selene in early XXXX via certified mail. It has been well beyond the thirty days allowable to provide the information with no response. We are asking the Consumer Financial Protection Bureau to step in and help. Selene Finance also provided figures on the monthly mortgage payment that are incorrect.
Consumer complaint received 2020-06-11
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2023-03-09
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: PNC Bank N.A. (MN)

XX/XX/23 for {$170.00} this amount was taken out of my account twice instead of once and deducted from my checking twice but only applied to my credit card once. When I contacted the bank, they said I need to file a dispute. I filed a dispute explaining that double amount was taken out but not applied so Id wait her like it applied to my credit account or reimbursed to my checking. They declined the dispute saying I couldnt dispute it. They stole a double payment for me, told me to file a dispute, which I did and showed transactions which I attached as proof, and then denied any action could be taken.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 ye
ars.

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 2023-02-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern, On XX/XX/2022, I booked a flight from XXXX to XXXX XXXX on XXXX. I confirmed the flight had free cancellation within 24 hours. According to XXXX policy, I reached out to the airline directly within the 24 hour period to cancel my flight, however I was unable to get in touch with anyone from the airline on either their website or by phone. So I reached out to XXXX customer service line and they 1 ) confirmed the flight was cancellable within 24 hours for free 2 ) finally reached an agent from the airline, but the agent said they could not help. I tried to call the airline again using a different phone number XXXX gave me, but was unable to reach anyone.

After the 24 hour period elapsed, I reached out again to both the airline and XXXX, but they have not been able to assist. XXXX is telling me I have to speak to the airline directly, while the airline is saying they can not find my flight record. 

I have attached the relevant documentation with notes in the following pages. Do not hesitate to reach out at XXXX if you have any questions. Thank you very much for your help. 

Best, XXXX XXXX
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

I went to a XXXX XXXX XXXX ATM today XX/XX/23 and made a withdrawal however after the transaction processed the ATM gave me an error message stating something is wrong with this machine. I contacted Navy federal and was advised that I had to wait for the system to update and it can take up to 2-3 days per supervisor XXXX to receive my funds. This is not acceptable. They advised where they see that XXXX XXXX XXXX is making a correction but will not not credit my account back the funds. I contacted Navy Federal again and spoke to XXXX who was basically told me there is nothing she can do.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (NC)

I mailed in a payment via money order on XX/XX/XXXX for XXXX. It was cashed by Avant on XX/XX/XXXX but never applied to my account. I have called numerous times and I was told to email customer service at XXXX. I have emailed a picture of the money order stub and followed up with emails requesting help. Sometimes they will email me back and tell me to call the 800 number. When I call they tell me to just log into my account online to watch for the payment to post. I emailed XXXX XXXX and XX/XX/XXXX. I have called at least once per week since the end of XXXX.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a prepaid XXXX card for unemployment benefits. I have the Bank of America app on my phone but got email that I need to go to website to confirm my checking and routing numbers to have the money transferred to my XXXX account. I can not sign in to the website as it says my security information is incorrect. I have tried to call the telephone number being on hold for over 30 minutes and then disconnected. I have been on hold 5 times now at all different times during the day. Now I am not even able to hold the recording simply says they are too busy. I have money in the account that I am unable to access. I have written two emails to Bank of America detailing the problem and received instructions to call the same number that I have been calling all week.
Consumer complaint received 2024-05-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: Self Financial Inc. (IL)

I SIGNED UP FOR A ( CERTIFICATE-DEPOSIT ) ACCOUNT ON ( XXXX ) WITH THE FINANCIAL INSTITUTION CALLED SELF INC. , WHICH IS KNOWN FOR ITS CREDIT-CARD, CREDIT BUILDING, & CERTIFICATE-DEPOSIT ACCOUNTS. WHEN I SIGNED-UP FOR MY CERTIFICATE-DEPOSIT ACCOUNT, THE AGREEMENT WAS, I DEPOSIT ( {$25.00} ) A MONTH FOR 24MONTHS WHICH TOTALS ( {$600.00} ) AT THE END OF THE 24MONTH TERM-AGREEMENT THAT ENDS ( XXXX ), AFTER THEIR FEES OF ( {$79.00} ) I WOULD RECEIVE ( {$520.00} ) IN-RETURN AT THE END OF TERM AGREEMENT VIA DIRECT-DEPOSIT. AT THE END OF THE TERM AGREEMENT, I WAS SENT NOTICE VIA EMAIL ( XXXX XXXX ) THAT I COMPLETED THE XXXX TERM AGREEMENT & THAT MY ( {$520.00} ) WOULD BE DIRECT-DEPOSITED TO ME AROUND ( XXXX ) AFTER THE TERM AGREEMENT. BUT INSTEAD OF GETTING BACK MY ( {$520.00} ), THEY SUNT NOTICE TO ME THAT I WOULD NOT BE GETTING ANY OF MY DEPOSITS ( {$520.00} ) BECAUSE I HAD FEES THAT TOTALED THE WHOLE ( {$520.00} ), WHICH OF COURSE IS FALSE. THE FEES INCLUDED ; RETURN ITEM FEES, LATE FEES, & ECT. I CALLED & EMAILED THE FINANCIAL-INSTITUTION SEVERAL TIMES TO TRY TO RESOLVE THE ISSUE, BUT ALL THAT I HAVE BEEN GETTING FROM THEM IS REPEATED EMAILS THAT DOES NOT PROVE THEIR CLAIMS THAT THE FEES THEY SAY I INCURRED WERE ARE CORRECT.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX, 2023 I deposited a cashiers check from a legitimate credit union into my Wells Fargo checking account. I had closed a XXXX XXXX with the credit union a few days earlier. The check amount was {$96000.00} and all of that amount was to be included in available balance the next day, which was a Friday, and I checked and it was indeed included in my available balance the next day. Confirming that, I proceeded to initiate a transfer of {$25000.00} to a money market account at XXXX Bank. HOWEVER, over the weekend, someone at Wells Fargo essentially removed the {$96000.00} from my available balance, without any notice to me, which led to an alarming email from Wells Fargo the following Monday morning ( today ) informing me that my balance was currently at - {$23000.00}, so I was hugely overdrawn because of the {$25000.00} transfer to XXXX. And I was unable to cancel that transfer request. I promptly went to a Wells Fargo branch and after a few hours got a call from the manager telling me that the money was back in my account, so I suppose all is well now, but this entire experience has shaken my confidence in our banking system. How can a bank simply remove a large portion of available balance like this without giving any notice to the consumer/customer?
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CT)

I applied for a refi with Amerisave in XX/XX/2020. I have had to pay {$500.00} upfront. Service was extremely poor. Almost no communication. I was told by the loan offer I was approved. After several months of calling and providing constant updated information I get a call from a supervisor that I dont qualify. Im shocked at the sheer inept service and the lies. I was told originally that I qualify. I would not have wasted my time and money with Amerisave had I known otherwise. 
Extremely unhappy. 
XXXX XXXX
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

A Victoria SecreXXXX Credit Card was reported stolen by perpetrator. This person called into Victoria 's Secret CC ( Comenity Bank ), changed my address, & email & had a card reissued to the address they provided once the card was physically received, they made purchases in person at Victoria 's Secret and their affiliate store, XXXX XXXX XXXX XXXX. According to VS FRAUD Dept, they were able to verify my DOB & last 4 of social in order to commit these fraudulent transactions. 

These transactions amounted to {$1600.00} ; they are 3 different transactions in the month of XX/XX/2023. I have opened a case today with Victoria 's Secret CC bank, Comenity ( no case # has been assigned yet ) & a police report with XXXX Police Department.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

Hello I had some problems with my bank accounts for the past few years every time I have an account for some reason strange people got access to my account using my money so I called the financial institution about the issue and after a few times after people stole my debit card and the bank return my money they closed down my bank account and last year I had a Wells Fargo account I didnt have knowledge that my card was stolen from me a stranger was depositing checks and money order in my account when I found out I contacted the banking institute and they said they have no choice than to close my account I even told them to run the bank location camera to see who made those fraudulent transactions but they didnt and they close my account without even a warning and XXXX XXXX XXXXXXXX close my account for no reason and XXXX XXXX also Im just trying to figure out whats going on with my social security and bank accounts access I really need some help getting down to the bottom of everything.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IL)

XX/XX/XXXX, Opened XXXX  checking account and was listed as a co-owner through Charter Bank. 

XX/XX/XXXX The reserve line of credit was approved on XX/XX/XXXX with borrower # 1, through US Bank. 

I did not complete an application for a reserve line of credit through US Bank
Consumer complaint received 2024-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

On XX/XX/year> I sent NCA a letter for debt validation on an item appearing on my credit reports. They received it on XX/XX/year>. I did not receive a response so I mailed another letter on XX/XX/year>, they received it on XX/XX/year>. I did not receive a response so I notified all XX/XX/XXXX credit reporting agencies, sent them copies of all correspondence, and waited for a response. The collection company verified it as accurate. I have not had a response from the collection company as of date, so I asked the credit reporting agencies to send me the proof that the collection agency sent them but they refused.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XX/XX/XXXX - I paid for a lease with XXXX, upfront and in full. The agreement was for me to owe {$0.00} for the life of the lease. The attached contract and receipts show this was paid, including an additional cash amount corresponding to the turn-in fee. 

XX/XX/XXXX - 35 months went by and the lease was nearing the end, so I turned in the vehicle. At this time, the representative confirmed the vehicle was in good condition and the lease terms were completed. So I purchased another vehicle through the dealership. 

XX/XX/XXXX - 9 months after finalizing the lease, I was charged a fee since I didnt purchase a XXXX XXXX turning in the vehicle. Of course this was a mistake since I wasn't informed of the fee when turning in the vehicle and also because I have documents proving this was already paid over 44 months ago. So I started the process to get this corrected. 

XX/XX/XXXX - XXXX was initially unresponsive, as this occurred during the pandemic. But even though it was difficult to connect with a representative to correct their error, I immediately started getting late payments applied to my credit reports. 

XX/XX/XXXX to XX/XX/XXXX - I continued trying to work with XXXX to encourage them to abide by the contract. They refused. Then I started working with the credit reporting agencies to have false blemishes removed from my account. They simply asked XXXX if they were accurate, to which XXXX confirmed they were, and so no changes were made. All of the credit reporting agencies completely ignored the consumer, the contract, receipts and other documentation, and instead simply took the word of the creditor. As a consumer, all of my rights were taken away. 

XX/XX/XXXX - I ultimately gave up and just decided to pay the erroneous bill in order to have this removed from my credit report. So I paid the fee for a second time! Unfortunately this was never removed from my credit report. My score plummeted XXXX points based on this single, false record. And my hands are tied - there's nothing I can do to prevent XXXX from keeping these false records on my report and destroying my business. 

PLEASE HELP. AS A CONSUMER, I DID EVERYTHING RIGHT - MADE 3 YEARS OF PAYMENTS UP FRONT, PAID A BOGUS FEE TWICE, TURNED IN THE VEHICLE ON TIME AND IN GREAT CONDITION. I'M A PERFECT CUSTOMER, YET SOMEHOW THEY ARE STILL ALLOWED TO DESTROY MY LIFE!
Consumer complaint received 2023-03-07
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: W&A Intermediate Co., LLC (TX)

Wakefield & Associates is reporting a balance of {$11000.00} on my credit report. XXXX is also reporting an inaccurate balance of {$680.00} This needs to be removed due to fraud