davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

XXXX  is not reporting on the appropriate standard times which causes my scores to be stagnated and stay still. For example XXXX  and XXXX representatives stated that the status is updated on the XXXXXXXX  of the month. Accordingly my research XXXX  did not update on the first of month as stated I noticed an update on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc in XXXX  and XXXX.This is not consistent. The dates are dates ae off. XXXX  representatives told me they update on the XXXX of every month. They are not updating properly which puts me at a disadvantage to move up financially and to look favorable for loans in the future for school.
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX Chase Bank sold my mortgage to XXXX XXXX XXXX California. I was advised on a phone call to Chase on XX/XX/XXXX that the ongoing electronic transfer would continue with XXXX Bank. 

On XX/XX/XXXX, the Chase Bank automatic portal was disconnected. In subsequent calls to Chase and XXXX, I found out that the ACH transaction was scheduled for XX/XX/XXXX when it previously had been scheduled for the XXXX of each month. 

On XX/XX/XXXX, a verbal acknowledgement was given that the ACH debit would take place on XX/XX/XXXX. 

Complaint : 1 } I never signed any type of authorization for a debit of my Chase account to a third party. 
2 ) I never received a written disclosure from Chase or XXXX bank stating the ACH transfer would be made with basic information : ( Date, account and amount ). 
3 ) The scheduled date, without any notification of the change in ACH date would have resulted in a overdraft if the proper account was not funded. 
4 ) Chase refused to take any ownership of the accuracy or verification of the transferred information to XXXX Bank. 
5 ) XXXX Bank initially refused to give me any type of notification of the intended transfer on XX/XX/XXXX or XX/XX/XXXX due to some version of their restrictions in disclosing information. 
6 ) How can any bank authorize a bank withdrawal to a third party without written or electronic consent? ( Chase reported that the original bank ACH " would remain the same '' on XX/XX/XXXX ) 7 ) On CFPB Inquiry call XXXX XXXX ), I was advised that a 15 day notice was to be given by the banks.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (GA)

ON XX/XX/2021, I EMAILED PHH MORTGAGE THAT THE REMARK KEY ( PPA ) PARTIAL PAYMENT AGREEMENT THEY PUT ON MY WIFE 'S CREDIT REPORT AND MY CREDIT REPORT IS ADVERSE. ACCORDING TO THE FEDERAL CORONAVIRUS AID, RELIEF, AND ECONOMIC SECURITY ( CARES ) ACT, IF YOU MAKE AN AGREEMENT WITH A CREDITOR TO DEFER ONE OR MORE PAYMENTS, MAKE A PARTIAL PAYMENT, FORBEAR, AND DELINQUENT AMOUNTS, MODIFY A LOAN OR CONTRACT, ORGET ANY OTHER ASSISTANCEOR RELIEF BECAUSE COVID 19 AFFECTED YOU, THE CREDITOR MUST REPORT THE ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIESIF YOU WERE NOT ALREADY DELINQUENT. MY WIFE AND I WERE NOT DELINQUENT AT THE TIME OF FORBEARANCE. YET, PHH MORTGAGE PUT THE ADVERSE REMARKS ( PPA ) WHICH CAUSED A 73 POINT DROP IN MY CREDIT SCORE. PHH MORTGAGE RESPONDED SAYING THEY DID NOTHING WRONG. I WANT PHH MORTGAGE TO REMOVE THAT ADVERSE REMARK ON ALL OF THE CREDIT BUREAUS. WE HAVE NEVER MADE ANY PARTIAL PAYMENTS.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/2023 Banana Republic card opened fraudulently at BANANA REPUBLIC - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Tel. ( XXXX ) XXXX Amount charged was XXXX XXXX XXXXXX/XX/2023 XXXX card used fraudulently at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Amount charged was approximately XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (SD)

At one point i had thousands of dollars in my account. They froze my account while i was away from home and i had used XXXX to get there. I was then stranded amd forced to walk 7 miles home. Later then it seemed i was getting charged a bunch of fees despite using my account the required number of times to avoid the fees. I then attempted to close the account and they refused. Since i could not close my account, they comtinued to charge me overdraft fees once my money was no longer in the account. I then tried to open a new bank account with another bank. Because they had overcharged my account roughly XXXX dollars in fees, I was forced to give them XXXX dollars in order to finally close the account in order to open a new account with a new bank.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am writing to file a complaint against a XXXX account appearing on my credit report with a balance of {$24.00}. I have been disputing this account with XXXX and Experian since XXXX and attempting to contact the creditor without success. Despite several attempts to contact XXXX over the phone to resolve this balance, each representative told me they could not locate any matching account in their system. 

This is causing me an immense amount of stress and confusion. I have sent them letters requesting more information about this debt, including a breakdown of the balance and copy of a contract but never received any reply. Further, I have disputed this with XXXX and Experian who have not conducted a proper investigation or supplied me with any results. 

The only response from XXXX was dated XX/XX/XXXX. It had the customer number field blank and stated that it could not find my XXXX XXXX Credit Account . I don't understand how this can be on my credit report if my information can not be matched to any account with XXXX . Additionally, when I called to follow up on XX/XX/XXXX to the number listed on my credit report XXXX there was no way to get a hold of someone other than an automated message.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have several queries from the same provider ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my TransUnion and XXXX accounts. Please delete these queries immediately.
Consumer complaint received 2022-10-04
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 (AZ)

My daughter and I traveled by train ( XXXX ) on XX/XX/XXXX from XXXX to XXXX. We were waiting in a very long taxi line to taxi to our hotel ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ) which was approximately 18 miles away. We were approached by two young men who said they would give us a ride for {$22.00} if we paid by credit card. We agreed and took the ride. We arrived at the hotel and the taxi driver did not offer a receipt. I did not sign a receipt. This didn't seem so unusual to me since the charge was a minimal amount. It was late and we were anxious to get inside our hotel room. 

When I returned from my vacation to XXXX, I looked at my bank statement and saw that the taxi driver had charged my Capital One credit card for {$2200.00}!! Outrageous -- over 100 times the amount a taxi ride cost or should cost from the XXXX train station to our hotel. I was sure that Capital One would recognize it as a fraudulent charge. I called Capital One that day and the customer service woman told me that Capital One would take care of it and they credited my account {$2100.00} ( the amount the taxi charged {$2200.00} minus the {$22.00} taxi ride ). The charge was later added back to my account so I called Capital One again. They said that I had not provided the necessary documentation so I wrote them a letter on XX/XX/XXXX disputing the charge ( and included the receipt that I had tracked down through XXXX ). I have called at least 7 times ( all were recorded ) and Capital One will not reverse the charge. I have tried to contact the taxi company but have not been able to reach them. To my knowledge Capital One has done nothing to determine if their vendor charged me a fraudulent charge. They said that I need to " prove '' that the charge is not accurate -- yet they did not offer solutions for this problem. 

Attached to this complaint is 1 ) the dispute letter I wrote to Capital One on XX/XX/XXXX, 2 ) a receipt for the taxi ride that I tracked down through XXXX that also shows what time we arrived to the hotel ( making it impossible to take a LONG taxi ride worth $ XXXX, 3 ) a receipt for my train ride into XXXX and time of arrival, 4 ) a hotel bill showing that we arrived to the hotel on XX/XX/XXXX. Capital One told me that these documents do not prove that I didn't agree to the charge. 

It is nonsensical that anyone would take a taxi ride that would cost {$2200.00} but Capital One argues that because they used the chip in my card, it is a valid charge. The signature on the receipt is not my signature. 

Please see my documents and help me? Capital One should protect their customers! I will never do business with Capital One again. This has been a terrible experience. I have since closed my Capital One card.
Consumer complaint received 2022-08-17
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. (TX)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am requesting and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you. 

XXXX XXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION (TX)

To date, XX/XX/2023, after multiple emails and contacting the XXXX " Emergency Support '' and their XXXX Department and giving them the filed police report information, the " provisional credit '' still has NOT BEEN POSTED as available credit to my account. This violates the terms and conditions of the XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX 's " ZERO LIABILITY '' policy. This also violates the Cred.Ai deposit account agreement by not reporting the proper balance into my account. This intentional negligence and multiple agreement violations has caused insurmountable financial losses and infliction of continuous emotional distress and extreme stress ; I have been evicted, lost my car and my credit worthiness has drastically diminished.

WSFS Bank and XXXX XXXX XXXX XXXX  dba XXXX FAILED to protect my account by providing " 2-way fraud text alerts '' and aTeam of Anti-Fraud Specialists to monitor my XXXX credit card and online banking activity for changes to accouont 's regular banking patterns.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

ive filed a dispute with Experian, on XX/XX/2021 and yet to receive any information in regards of my initial dispute. they are reporting inaccurate and misleading information on my behave causing thousands of dollars of interest every year. please help me resolve this issue as they are violating my consumer violations.
Consumer complaint received 2020-01-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AC AutoPay LLC, Denver, CO Branch (TX)

I signed loan documents for XXXX XXXX XXXX XXXX through Autopay on XX/XX/XXXX. I was told a payoff check would be sent immediately and my 1st payment would be due. XX/XX/XXXX with XXXX. Its XX/XX/XXXX, my old loan has not been paid off, which now has 2 payments due on it. I have already received a bill for the new loan. Autopay did not do as promise and now has put past due payments on my credit. They do not respond to calls or emails. They will only text, and still did not answer my questions.I was told there was no tracking number, but when my husband called he was given a tracking number. I would not recommend using them at all!
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I pay my mortgage through Bill pay with my bank to Select Portfolio Servicing. 
I switched banks and on XX/XX/XXXX, I sent {$100.00} as a test. On XX/XX/XXXX, my bank sent a check for $ XXXX for payment. The servicer shows receiving the check on XX/XX/XXXX and cleared my bank on the same date. However, they only show it applying to my principal in $ XXXX increments. On Tuesday XX/XX/XXXX, I spoke with 'XXXX  ' and he claimed they received a check, it was in processing, but didn't know what to do with it ; that I did not instruct them what to do with it ; that they wouldn't call or inquire about it, but maybe eventually they would. He said he would tell them to post it against the principal. On XX/XX/XXXX, I called again because only another $ XXXX was posted against my principal. I was told by 'XXXX ' that their system only allows up $ XXXX to post UNLESS, I made a payment by phone which comes with a fee that they might waive if I was applying all of it to the principal. She assured me that I should see that all of it will be reflected by XX/XX/XXXX. 
The original check was 1 check for $ XXXX sent XX/XX/XXXX and that they are posting against the principal in $ XXXX increments. They show receiving it but not applied to the principal. I do not understand how 1 check can be broken up into 6 different parts over 6 days. The answers I receive are vague when I question how doing it by phone will credit my principal in the full amount but sending by check or electronic transfer is limited to $ XXXX per day. 

This is SelectPortfolioServicing. 
From their website : " If you are current on your loan, and you pay us more than this month 's payment, the excess amount is used to reduce any fee balances first, then the principal balance of your loan. Any time additional money is applied to your principal balance, your loan may be paid off faster, assuming you continue to make your payments on time. 

If your monthly statement shows Past Due Payments, and you pay us more than this month 's payment, the excess amount is held in an unapplied balance until the balance reaches the amount of a regularly scheduled principal and interest payment. We then take the amount out of unapplied balance and apply it as a monthly principal and interest payment. '' I am current and my account does not show Past Due Payments. I have continually paid more than the scheduled payment and they have always applied it without question or holding. This was a large payment and they are holding it in unapplied funds, letting out $ XXXX at a time.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.I have been having a lot issue This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX 1997 XXXX CT, XXXX, OH XXXX My Full name is : XXXX XXXX XXXX XXXX Please delete any other variations from my file. 
My current and only address XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove all other addresses : XXXX XXXX
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (LA)

Complaint ID XXXX-XXXX  Still I am not satisfied with the company response. According to the recent company statement I started in XX/XX/XXXX with a balance of {$350000.00} and my outstanding principal balance today is {$330000.00}. After paying {$32000.00} in 12 payments from XX/XX/XXXX to XX/XX/XXXX. If I see their amortization schedule my principal should be less. ( I will to attach with this letter. ) after paying 12 payments in 9 month, I paid {$3000.00} for 7 times and 5 regular of {$2200.00}. I paid three extra payments of XXXX from XX/XX/XXXX, to XX/XX/XXXX by 4 month. Then from XX/XX/XXXX to XX/XX/XXXX I started paying regular XXXX my regular mortgage payment, because they don't use my extra money toward my principal. why is my principal that high still don't know I am missing more than {$2000.00} in my principal. 

The company sent me a paper copy and also on their website there were too many additions and too many subtractions, that doesn't make any sense to me how they come into this balance Looking at the outstanding due it doesn't look to me okay that's why I called the company again and again they did not correct it, now I asked XXXX as a third party to look at the account and tell me if it is okay. I will attach all of my documents, you will tell me if I am saying anything wrong. 



Thanks for your help XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ULRS, Inc. (GA)

On XX/XX/2020 we tried to contact United Legal Group to follow up from a previous conversation concerning an incorrect invoice and that we have never received any status reports. XXXX XXXX verbally harassed us by calling our office repeatedly ( minimum 10x ). His language was abusive, vulgar, and included statements like the following, " I hope you get the coronavirus ''. Additionally, he stated " he would service the accounts and not pay us '' also prank calling and pretending to be XXXX XXXX. We have video evidence of these calls. Very unprofessional all around.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

EXPERIAN XXXX XXXX XXXX XXXX, TEXAS XXXX NOTICE TO CEASE AND DESIST ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to you disputing this item was erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),