davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CO)

We sold a boat through a broker, XXXX XXXX out of XXXX, Michigan. 
The proceeds from the sale, {$76000.00}, were wire transferred through XXXX XXXX to our Wells Fargo Bank account on XX/XX/2020, per information received through XXXX XXXX. The deposit in our account has yet to show up as of today, XX/XX/2020. 
We have contacted Wells Fargo several times over the last 10 days and they see nothing on their end. 
We have contacted the XXXX, XXXX XXXX ( XXXX XXXX XXXX ) many more times. He has contacted XXXX XXXX, who handles his account and the wire transfers. They maintain that the wire transfer occurred on XX/XX/2020. 
On XX/XX/2020, XXXX XXXX maintains that they sent a message to Wells Fargo, via the Federal Reserve System, to find out what is going on. We have heard nothing back from anyone. 
Everyone that I have spoken to maintains that a wire transfer should only take 2-3 days. I spoke to wells Fargo this morning and nothing shows up and they can not tell me whether or not a message was sent to them from XXXX XXXX via the Fed.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have disputed this issue several times, called the creditor and confirmed this is a mistake. What is it going to take to get this corrected with Equifax which is the ONLY company out of all three reporting such inaccurate information on this account. 

Account is under XXXX XXXX XXXX XXXX Paid charged off listed which is 110 % inaccurate this account was paid as agreed and NEVER went even late.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC (IN)

My mortgage loan transferred to Rocket Mortgage on or about XX/XX/2022. As part of their intake process, they reviewed my loan to see if I was getting the best rate and an agent ( XXXX XXXX ) called me to see if he could interest me in refinancing options. I told him from the beginning I was not looking to refinance but he said he could pull the numbers and see what they may be able to offer. I told him that if he wanted to pull together some numbers that I'd be happy to take a look, but I had other things going on and wouldn't be refinancing at this time. He pulled things together and I told him I would think it over and get back to him. I found out 3 days later on XX/XX/2022 that he pulled my credit. I called Rocket Mortgage customer service and was escalated to a XXXX XXXX ( XXXX XXXX ). She said that she would review things and get back to me which she did. She claimed that she had reviewed the recording of the initial conversation and XXXX told me he had to " review my credit report and verify personal information '' and I agreed. 1 ) He never said that to me 2 ) I never agreed to that and 3 ) even *if* he had said that, what does that involve? He has the obligation to make it clear and get express authorization for my credit to be pulled. He didn't! I've done this process of " running the numbers '' with loans many many times and never has it involved pulling my official credit report. That comes during the next step of to actually applying for the loan. 
I called back and asked to review the recording and was that I wasn't allowed to, that recordings are used only for training purposes and were proprietary to Rocket Mortgage. All she would tell me is that shes authorized to speak on behalf of the company and their legal team and they trust her decision.
Consumer complaint received 2020-12-28
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. (TX)

I disputed these accounts with the credit bureaus XX/XX/2020. I never received any results or anything stating that the credit bureaus have started an investigation. On XX/XX/2020 I sent another letter stating that I hadn't received a response. This has not been about 40 days since my initial dispute. The credit bureaus still havent responded and nothing has changed on my reports. To my knowledge the credit bureaus have 30 days to respond and if they don't that is automatic grounds for deletions of the accounts that were disputed. At this point the accounts should be deleted. I am considering filing a litigation because this is becoming stressful and especially since I was a victim of the XXXX data breach. Please delete these accounts immediately. 
XXXX is the only bureau that deleted the accounts and if you all get the information from the same creditors I don't see how these accounts are still reporting with Experian and XXXX.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am name is XXXX XXXX XXXX XXXX and this this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$180.00} XXXX XXXX  XXXX Balance : {$860.00} XX/XX/2018 XXXX XXXX  XXXX Balance : {$23000.00}
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (IL)

I made 2 transfers into my BBVA both scheduled for XX/XX/20 one for XXXX $ and another for XXXX $ and the Bank never gave it to me and did not disburse the funds as requested and never gave them to me. I also was given 2 refunds that were never given to me also.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-06-13
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. (TX)

Just on today ( XXXX ), I had attempted to, addressed my concerns! However, I was intentionally hung up on, by XXXX XXXX! Transunion just started misbehaving, and engaging in illegal practices : for some time now! Here 's what may have taken place : both XXXX and XXXX convinced them to stop dotting their I 's, and Crossing their T 's, making sure everything is accurate, acceptable, professional, sensible, legal, and well presentable with my credit report/score! The reason why XXXX did this can be, explain this way : They had gotten tired, angry, looking XXXX, being called out, exposed, jealous, and bitter ; due to me always filing complaint against them, but hardly ever against Transunion! It was no reason, to do such thing, if all was well, on several occasions, with my credit report/score under their third-party platform! Transunion is now misbehaving, and engaging in the following : bad practices, unfairness, habits, discretion, discrimination, Invasion of privacy ( interfering with my rights to live ), witness tampering ( credit score figures/miscalculation ), and in violation of my health, civil, and constitutional rights!
Consumer complaint received 2022-02-22
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-04-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

i have tried several times to talk to them. They have refused to supply me with the social security used.i have sent a dispute letter and they say they didnt get it but refuse to send me another XXXX. All my credit cards and loans are paid on time and i am not late on XXXX of them. Please help me this company is ruining my company.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (PA)

I am submitting a complaint about Lowes ' Store credit card. I believe that they have a deceptive practice of not sending consumer bills for the goal of charging them late fees and interests. On XX/XX/XXXX, I made an online purchase for the amount of {$75.00}. On XX/XX/XXXX, I received a paper bill for a total of {$130.00} with a {$35.00} late fee plus some interest. When I called in to the customer service, the explanation is that the bill was sent electronics to my email. I told him that I did not receive any " electronic bill ''. His suggested that it went to the " junk mail ''. I told him that I did not ever recall being asked to accept an electronic bill in lieu of paper bill. 
When I went online, I discovered that for the same purchase, I was also charged a {$25.00} late fee in XX/XX/XXXX. 

I found Lowes ' Credit Card 's management company XXXX Bank totally deceptive in it practices.
Consumer complaint received 2023-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Upgrade, Inc. (DE)

I am writing to file a complaint against Upgrade XXXX for their handling of my account ending in XXXX, which I opened on XX/XX/2023. Upon my XXXX deposit of USD XXXX, Upgrade XXXX suspended my account without providing any written notice or sending any letters to my mailing address. 

Despite providing and validating all necessary identification information during the account opening process, they requested excessive proof of XXXX and kept asking for unnecessary information. My account was suspended for over XXXX months when I could not access my funds. 

Despite numerous emails and calls and the provision of many copies of documentation, my account remained suspended. It was only after all the documentation was approved that they released my account. However, by this time, XXXX months had passed.
Consumer complaint received 2019-12-11
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. (CO)

Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of $XXXX on XXXX/XXXX XXXX  – account number XXXX.  (Please see page attached from my credit report.)  I cancelled this account and returned the equipment.  Even after the account had been closed, XXXX  was continuing to charge this account for out-of-country calls that were never connected.  Every month the total charges due on the account continued to get larger and larger.  I contacted XXXX to assist me in settling the balance.  One representative told me they would accept a settlement amount of $XXXX.  I had a payment drafted and ready to go.  When I confirmed this settlement offer, I was told by another representative that the company cannot honor a lowered payment.  As I continued to try and resolve this issue I was informed by yet another representative that they never received the equipment I had returned so consequently I was still being charged on a closed account.  I asked every representative I spoke with if they were referring back to the notes from my numerous phone calls prior and every representative responded that they were in fact reading the notes as well as logging in the new notes.  I find this difficult to believe because there were so many conversations and each representative informed me of something different each time.  I have been trying to resolve this issue for months and have not been able to make any headway.  The account balance is incorrect and this false reporting of a collection/charge-off is seriously harming my credit score.  This line item needs to be removed from my credit report.  I have contacted the (2) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-11
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: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

Experian offers extra credit monitoring services at two different tiers. I was paying for the {$19.00} per month plan but was not able to renew. After it was set to renew I was unable to log into my credit account despite Experian offering free basic services. I have on numerous occasions demanded a refund because they charged me to get back into my account. Further I was not given the option to close out the premium subscription until I paid.
Consumer complaint received 2023-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (SC)

On XX/XX/XXXX I applied for a HELOC with United Wholesale Mortgage in the amount of {$110000.00}. On XX/XX/XXXX I closed on that HELOC and provided instructions that I wanted an initial advance in the amount of {$60000.00}. 

{$60000.00} was deposited into my checking account on XX/XX/XXXX. 
I received my first statement, dated XX/XX/XXXX, from UWM which states the outstanding principal balance of my HELOC is {$110000.00}. Puzzled, I reached out to UWM and asked them why my statement suggests that I had accessed/used the entire balance of my HELOC. The customer service agent I spoke with was unable to locate my closing documents and suggested that the remaining balance of the HELOC was likely used to pay off other creditors. This did not happen. I did not ask for my other debts to be paid off they have not been paid off. And I did not/have not taken any additional draws on the HELOC. I was informed I can submit a qualified written request challenging the accuracy of the outstanding principal balance. 

In the closing documents I was provided a copy of, the settlement statement shows the following : Loan amount = {$110000.00} Total of Origination Costs = ( {$5300.00} ) Due to Borrower = ( {$60000.00} ) HELOC Balance = {$47000.00} Id like UWM to provide me with a register of activity associated with my HELOC so I can understand where the remaining {$47000.00} was allocated. If there is other disbursements from my account these were either incorrectly applied to my account or they are fraudulent transactions. 

My current loan payment, due XX/XX/XXXX, is {$860.00}. This was calculated using interest applied to the incorrect and overstated outstanding balance of the loan. Id like this and subsequent payments to be corrected to accurately reflect my outstanding principal balance of {$60000.00}.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (DE)

To Whom It May Concern,My initial dispute letter was sent on XX/XX/XXXX, to XXXX XXXX they did not respond within 30 days. The second letter was sent XX/XX/XXXX, to XXXX XXXX no response. The third letter was sent XX/XX/XXXX to first credit services and on XX/XX/XXXX a letter was sent to XXXX XXXX credit reporting agency, again no response from first credit services, and XXXX XXXX verified it as accurate. On XX/XX/XXXX I sent the fourth letter to first credit services and they did not show proof that they had a right to collect anything from me. XXXX XXXX or the collection agency first credit service had proof that this account was mine. Please investigate and delete this from my credit file Immediately!
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I requested to transfer from Bank of america prepaid account edd to my chase account business account over a mobile app authorize by bNk of america i requested to transfer XXXX but made the mistake to transfer XXXX i waited up to 10 days and keep lan eye on the account account i filed 2 different disputes n 1 escalated claim which funds were never received to my bank and bank of america have been hanging up and not attending my calls ... its been over 3 months now ... I need help.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C. (MN)

I have been repeatedly harassed by the Gurstel Law Firm, in XXXX XXXX MN to collect a debt that is not mine.  After telling them numerous times, they continue to harass me, and have subsequently filed a lawsuit. While I know that they can do that, they are using incorrect and down right false information to back their claims.They state that they are working for a debt collection company, XXXX XXXX XXXX XXXX for a debt on a XXXX  Credit Card that I did not apply for.  Not only is it not mine, they are suing me in a County that I do not live in, and their documents are false.  There is an affidavit of Service, that is a complete lie. I was not personally served, and couldn't have been as I was at a Doctor Appointment on the date and time that they state I was served, and my personal description is off by over 5 inches and about 30 pounds.They are stating the my work address is my home address and suing me in the wrong county, for a debt that isn't even mine.  Their numbers on the statements that they provided don't even match the amount that they claim I owe.This is an utter sham, and they need to be stopped.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been calling Transunion and speaking to the fraud department and account specialist for months in a row and my problem is still not resolved! There are multiple inquiries I do not recognize/ deem fraudulent and transunion has been no help. I have satisfied all their requirements and contacted the lenders who are reporting the inquiries and all of them confirm they are unauthorized and just re direct me back to transunion. The inquiries are as follows XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I do not do business with these financial institutions and they are violating the FCRA with these inquiries. I am trying to get a mortgage and due to these violations I am unable to move forward with me life. I need all of them to be removed immediately. This is my 3rd attempt to correct this problem, if not resolved I will take my luck to pursue legal action is claims court.
Consumer complaint received 2019-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I checked myself into a XXXX  facility, XXXX XXXX XXXX XXXX, on XX/XX/17. Upon entry, I was told that my insurance would cover my stay but that I would have to pay a copay of $XXXX which I agreed to and paid upfront. I completed XXXX  and left the facility three weeks later. I was never told that I would have to pay for anything else, nor did I ever agree to pay for anything else. I never received anything until the account was sent to the Rash Curtis & Associates collection agency. They then sent me a letter saying that I needed to pay $XXXX in full or that it would be put on my credit report. I tried to contact them and obtain an itemized copy of what the bill was for. They informed me over the phone about a few dates coinciding with the charges and they were for days that I was no longer even in the facility. They also told me that they would send me a copy of the documents they had and that never happened. I reported them to the CFPB before for this same account. The result of that complaint was a removal of the account from my XXXX  and XXXX  reports but it still remains on my XXXX   report. I disputed it again through the online center and they did not remove it as they should have. Instead, they updated it & increased the amount by $XXXX. It currently says that the account is closed but that I owe them $XXXX  and shows my payment status as derogatory. I would like for this account to be deleted from the XXXX  report as well since the charges were never agreed to in the first place and the results of my last complaint prove that to be true.