davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Beginning in XX/XX/2020, XXXX loan servicing stopped sending me all monthly statements, updates, and end of year tax forms. I was unable to access my account online due to their shoddy website which was riddled with problems. I called two times, both of which required an hour on the phone going through multiple automated menus before I held to speak to a representative. Once I spoke with one they said the mail was being returned to them. I had not had any returned mail issues with any other mortgage lenders or current billing vendors. Due to not receiving mail I was unaware of an increase in charges to my monthly statement, so although I was paying the same monthly amount as always, XXXX XXXX put my account in delinquent and damaged my credit. I only knew about the outstanding amount because of my credit reporting company alert. Once I was alerted I immediately called XXXX XXXX, paid the difference, and requested mail to be sent to me. Still, two months later I still had not recieved a statement. Yet, they continued to charge me late fee for the months of which my payment was not adjusted to the new payment, a payment which I had no idea what amount it was as I had never been notified. This is the absolute worst mortgage company I have worked with in 20 years.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services (MD)

XXXX XXXX, 2020 after reviewing my personal credit report ; an unauthorized inquiry from LENDMARK FINANCIAL SVCS # XXXX located at XXXX XXXX XXXX XXXX  GA XXXX showed on my XXXX   credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, we went to the Wells Fargo ATM machine located on XXXX XXXX XXXX of XXXX, and attempted to withdrawal {$700.00} from my checking account. The account was debited, and no cash came out. I tried to resolve with Wells Fargo bank by escalating this issue. My account now has only {$300.00} and the amount that was deducted from my account of {$700.00} was not returned to my account. The screen shows no cash is available at this machine. I took a picture of the ATM machine and called Wells Fargo bank and they won't credit my account. Now I'm out of {$700.00}. The problem is that I need the cash. The issue allegedly can not be resolved for 10 days. The bank has taken my account XXXX and I am unable to access my fund as the balance was deducted {$700.00}. The Wells Fargo bank refused to assist me other than stating that it'll take XXXX to 10 days to investigate. This is robbery. I'm outraged.
Consumer complaint received 2021-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, please investigate this matter immediately!
Consumer complaint received 2022-01-04
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NJ)

Cardinal Financial Company was my mortgage company for 2 years, from XX/XX/XXXX to XX/XX/XXXX, during this time I was never late. Beginning in XXXX or XXXX my pay date changed to once a month so I had to adjust to making my payments day at the end of the month. I admit was a challenge but I managed to make my payments within the month it was due Cardinal never marked me late as long as it was made by the last day of the month, however to my surprise on XX/XX/XXXX, I went online to make my payment it reXXXX XXXX XXXXransferred on XX/XX/XXXX and I could not make my payment online but it was a note to call. so I did and my payment was accepted through auto-phone pay got a confirmation # and days later it was deducted from my bank account. .Now Cardinal is stating my payment was not received until the 5th and my payment was late.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Approximately three-four years ago I started to received letters and calls regarding this debt. I advised the company the debt was not mine. I disputed the debt in writing and by phone multiple times. In fact, when I called the company, they confirmed the debt was not in my name. It wasn't until many calls and letters later they changed the debt to my name. In fact when they finally sent the debt to a third party collection agency, the collection agency stated another persons name. I advised them the debt was not mine. that I never had a XXXX account. I hired an attorney and the attorney corresponded with the collection agency and with the original creditor, XXXX. The attorney received validation of the debt which confirmed the account was NOT in my name. The debt was removed from my credit and I never heard from them again. For a short time the debt was deleted from all three major credit reporting agencies. Recently the debt showed up on my CBR again. I believe this may as a result from XXXX being sold to XXXX. I called XXXX to confirm they do not have my debt and they do not. I have no outstanding bill with XXXX and I do not owe this bill to XXXX. The bill was fraudulently placed in my name by the original creditor. Validation of the debt and the original contract proves this. I have had the same phone number with zero issues and zero late bills or payments for many years. This can be confirmed with XXXX. I am requesting a thorough review of this debt and ask that it be deleted from all three major credit bureaus immediately.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

In XXXX I got a loan with Wells Fargo where my monthly payments were {$220.00}.? Due to the pandemic I was given a 6 month extension.? I called the loan department to find out when my next payment due and I was advised that I needed to complete paperwork for a financial hardship.The documents were completed and mailed. I called again and was advised the hardship request was approved with my new payment amount being {$120.00} with the first payment being due XX/XX/XXXX.? My first payment of {$130.00} ( over the amount due ) was made on XX/XX/XXXX which was prior to my due date In XXXX, I noticed the information on my payment portal was incorrect.I 've been calling Wells Fargo since XXXX to get this information fixed and I've been getting the run around. All the representatives I've spoken to advised me that my account profile was not updated to reflect the new payment/agreement.I continued to make timely payments even though the error was made on their part.Each time I call, the representatives said they made notations on my account and assured me this would be taken care of.I was advised that my case was assigned to a representative and he is the one handling it.For my most recent call on XX/XX/XXXX, I was advised that the representative was not in office and that he would give me a call. This has been going on since XXXX and has not been resolved as yet.I 've been given too many excuses from that person not being in office to them having technical difficulties. In the meantime, erroneous and invalid information have been reported on my credit.I am in the process of purchasing my first home and was in shock when my advisor told me that I was denied due to the information being reported.This has been going on for too long and needs to be updated immediately.My most recent call was on XX/XX/XXXX, and I was advised that the representative was out of office and he would call me in reference to the situation. My account is now showing past due because of this with a balance of {$680.00}. A case was finally opened, I received a letter from the executive office stating they are going to fixed the situation and assist with updating the information on my credit.To date, this has not been done. I have not received any phone calls like they promised. This situation has cost me lost time at work with countless holding on the phone and now a decrease in credit score due to incorrect reporting on the banks end.Can someone please assist me with this situation.? I am requesting my account updated to reflect the correct payment amount, any fees billed adjusted, a letter stating this was an error on Wells Fargo 's part, and most importantly, all credit reporting agency updated.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage Services , LLC is my mortgage servicer. I have not missed any payments nor been behind on my mortgage payments. The reason I am filing this complaint is that Carrington representatives keep calling me repeatedly telling me that they have some products I may be interested in to refinance the mortgage.

My telephone number is on both the state and federal do not call lists. I have also submitted written notices to the credit bureaus to " Opt Out '' of solicitations for credit. In addition, I have told the representatives at Carrington NOT to call me with unsolicited offers to refinance, which is ludicrous anyway because Carrington Mortgage Services , LLC is my mortgage servicer, NOT my lender. I believe I have also sent Carrington Mortgage Services written notice to put me on their internal DO NOT CALL lists.

I also record all my inbound and outbound telephone calls, and I have retained all my conversations with Carrington Mortgage Services , LLC regarding this issue. 

Today I received an unsolicited call from the lender, and the representative identified himself as " XXXX '', and wanted to verify me so that he could give me some important information about my loan. I told him if it's about an offer to refinance I am NOT interested, as I have told them numerous times not to call me with offers to refinance my mortgage. XXXX assured me it was NOT about refinancing the mortgage. He said if I won't give him the information to verify over the phone so that he could talk about it, I could call customer service back if I felt more comfortable calling them. I got hostile with him because I knew he was lying to me. 

I called the company 's number back, and SURE ENOUGH, the rep was giddy with excitement to let me know that they had some products they thought I would be interested in. I was angry that the company was AGAIN, wasting my time with offers I told them I was NOT interested in. I told them that I am tired of them ignoring my requests and I intend to file a complaint with the CFPB as well as the XXXX XXXX XXXX XXXX XXXX XXXX here in Texas where my property is located. I also told them they shouldn't be calling me anyway, as they are my loan servicer, NOT my mortage lender. I asked to be transferred to a supervisor, but was told that one is not available. I was then left on hold for an interminable amount of time, and then directed to a voice mail. That is when I came here to file this complaint because I am FED UP.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$7100.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3400.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.
Consumer complaint received 2021-04-01
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: CarMax, Inc. (CA)

I have been fighting with Carmax now for months over a XXXX dollars that is showing on my credit report. This is ABSOLUTELY RIDICULOUS over XXXX dollars. It stopping me from getting the credit I need over XXXX dollars. I mean come on this is so stupid a company that HUGE is gon na make a big deal over XXXX dollars. I want this report from my report NOW!!!!.
Consumer complaint received 2021-04-01
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: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry has an account number as XXXX and the original creditor is XXXX. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Caine & Weiner. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute ( see attached ). To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. This company has had over 6 months to respond to me, yet they have not. I submitted two letters to this company ( see attached ). In my first dispute letter to them in I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the terms and conditions that may have changed over the course of the alleged debt as well as copies of documents that reflect my signature, and for them to also send me copies of any correspondence they should have sent me. They DID NOT. It is obvious that Caine & Weiner has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, this entry must be removed from my credit report immediately.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I received a text message asking me to approve a transaction at a XXXX on my Bank of America credit card. I wasn't at a XXXX and hadn't made a purchase so I denied it. I was told to look at my account and check if I saw any other strange charges. When I checked my account there had been two charges on my card I didn't recognize in XXXX, NY at an eyewear store totalling in {$4000.00}. I called the bank to file a fraud claim and was told they would look into it, meanwhile they would issue me a credit. I had recently added an authorized user to my account and I was waiting for this card to arrive in the mail, but it never did. I informed the customer service representative that was my feeling of how my card was probably used. She apologized and issued new cards for me and the authorized user. On XX/XX/XXXX I looked at my credit card balance online and noticed that the card once again had the added balance. I called immediately and spoke to a representative named XXXX. He asked if I had received a letter about my claim. I said I hadn't. He said he'd looked into it and it seemed like there had been a mistake on their part and that my claim was denied in error. That he would credit the balance back to my card. On XXXX the balance was still on my card, I called again. The customer service representative informed me that my claim had been denied and that I hadn't been granted to have my balance restored. The investigation was reopened and I was responsible for the balance until any further decision. I asked the representative for documentation of my claim and all the notes that had been taken as well as the documentation of the process of the investigation, and the recording with XXXX where he said my claim had been erroneously denied. She denied being able to provide me with that information but that she would put in a request, but couldn't guarantee I would receive it. She said I should have filed a police report, something none of the previous agents I had spoken with suggested. I've never been to XXXX, NY and I never received the card for the authorized user I requested, only the reissued card the first customer service agent in the fraud dept I spoke with sent. I asked if any security footage at the store the fraudulent charge had taken place at was pulled or if the original card I was issued and never received had been traced. I wasn't given an answer.
Consumer complaint received 2021-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (NC)

Referred to Lower.com through lead generation service Bankrate based on my sole interest in a Home Equity Line of Credit ( HELOC ). - XX/XX/21 Connected with Lower.com mortgage broker and/or originator via phone and authorized a soft credit inquiry to discuss available products. XX/XX/21 Pitched a first mortgage refinance + HELOC product by mortgage broker/originator via phone and email. - XX/XX/21 Authorized a hard credit inquiry based solely on my need of and interest in a HELOC ( included in the pitch ), with a secondary benefit of being able to lower the interest rate of my first mortgage in one closing. - XX/XX/21No mention of possible ineligibility due to property type was communicated to me verbally or in writing at any time prior to hard credit inquiry authorization.

Hard credit inquiry performed. XX/XX/21 After the hard credit inquiry was performed, I was informed by the mortgage broker/originator via email the HELOC product could not be offered, not due to information obtained from the report, but because the property is a condominium, a material fact known by the mortgage broker/originator prior to both pitching the product and performing a hard credit inquiry. - XX/XX/21 The property type was made known by me verbally several times in my conversations with the mortgage broker/originator, prior to authorizing a hard credit inquiry. 
The property type is publicly available information that should have been known with the level of due diligence I would expect from a licensed mortgage broker/originator prior to making a pitch and certainly prior to performing a hard credit inquiry for a product they knowingly can not offer due to this reason. 
I made the decision to authorize a hard credit inquiry and proceed with the product I was pitched solely based on the availability of the HELOC product, the only product I was originally in the market for. 
Raised concerns to XXXX customer care and management via phone and email -XX/XX/2021 and sent letter Certified Mail on XX/XX/2021 to XXXX management CC credit reporting agencies XXXX, XXXX XXXX, and XXXX detailing the experience. 
- No response, update, or other correspondence received as ofXX/XX/2021.