davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SYNERGY ONE LENDING, INC. (FL)

I began speaking with XXXX XXXX out of Kansas NMLS # XXXX ( Synergy One Lending Inc XXXX XXXX of XXXX XXXX ) many months ago. He had a lot of promises and professed the best mortgage rates and closing costs compared to others. 

I started a mortgage process on a new condo in XXXX last month. There was a 4 week close time which he said he could handle. As time went on the list of demands for more documents grew. I was quite surprised as the had most any document requested before a contract was drawn and he worked directly for the Lender as well. We asked for multiple extensions as the " new list '' of requested " letters of explanantion '' and Condo documents outstandign was always there. Several times I advised if we keep this up, I will be in default and potentially lose $ XXXX in earnest money already provided. He shrugged everything off as the seller and his agent were unrealistic. I quickly told him, we set up the contract based on what he professed was necessary to close the deal. 

As time to close drew near, the surprise was even more costly. I had asked for A " LOCK NOTE '' to ensire no surprises come closing costs. He assured me that the original document provided was exactly that and I had nothing to fear. A few days before closing, the settlement statement was furnished for me. The closing costs had ballooned to $ XXXX above the original estimates on a XXXX loan. The closing noted that Synergy One Lending was my Lender leaving no possiblity that a mysterious outside source was the culprit. 

Furthermore, i was advised they had no interest to keep the loan either. I feel robbed and cheated. The broker went out of his way to promise a quick turnaround which I feel he had no chance of producing to steer me from other lenders. He made promises in writing to closing cost estimates making him look competitive again to lure consumers to his great deals, but come closing, the costs skyrocketted.
Consumer complaint received 2023-03-21
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. (MO)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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
Consumer complaint received 2023-03-21
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. (CA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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
Consumer complaint received 2024-04-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Asset Recovery Bureau LLC (UT)

I have told this company repeatedly that I had filed bankruptcy in 2020 and it was XXXX in 2020 as well as XXXX XXXX, and they keep trying to collect on debt that is not valid. I sent them letters to a New York address and they still keep calling and sending me letters saying that I owed this debt.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2022-07-22
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. (OH)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I DID NOT REQUEST ANY EXTENDED FRAUD ALERT PLEASE REMOVE ANY AND ALL ALERTS PLEASE AND THANK! WHY DO I HAVE TO KEEP REQUESTING THE REMOVAL OF ALERTS THAT ARE STOPPING ME FROM GETTING A LOAN OR EVEN RENTING A CAR!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX DOB XXXX SS XXXX I would like a update on my last Complaint from XXXX as well. Please remove the following addresses : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE THE XXXX FROM MY FILE. I HAVE NO CLUE WHY THAT NUMBER IS EVEN ON MY FILE!!!
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (SC)

Contacted the company on XX/XX/2019 to pay the full balance of {$510.00} which is the documented amount. I spoke which a woman name XXXX who told me a higher balance. She typed in the information through a automated system, and tried to process the higher amount. The system clearly stated that it could not process the balance she typed in because it was over the amount. She went through the process again, and put in the correct amount an as I was keying in my expiration date she disconnected the line. She was so stupid, because I could here her movement after she disconnected the call. I called back and the second XXXX didnt even attempt to assist me. She told me who I spoke too, and immediately transferred the called back to the woman XXXX. I asked her what the issue was and why was it taking so long to process the payment. She said she didnt know what the issues was, and I asked to speak to a supervisor. Before the woman transfer the call, once again like the complete incompetent XXXX that she is forgot to put me on mute and I could hear her laughing before transferring the call. I was transferred to the floor supervisor and explain to him what happened, and he started reading the script and when I told him the situation needs to be addressed he tells me that it doesnt matter the debt still has to be paid. I want to speak to his superior and I want my account removed from this agency. If they fail to comply I will file multiple complaints and seek legal action for negligence.
Consumer complaint received 2019-07-09
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: Credit Karma (CA)

Credit Karma refuses to help or acknowledge the issue of my dispute status on 6 disputes started XX/XX/2018 are still pending and not able to correct. Credit karma said to contact XXXX XXXX XXXX XXXX XXXX denoes seeing the issue even though I can show screenshots where it shows its been stuck fornover a year and half now. No way to get hold of anyone to help at credit karma. They are useless with email. No resolution at all. I have tried for a long time now.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

My phone was stolen/lost XXXX XXXX, 2021. I contacted XXXX the next day to report it stolen. By the time I was able to get a new phone activated I noticed money had been transferred out of my account through XXXX. I was able to stop two pending transaction but {$3800.00} had already been taken out of my account. I was able to see the names and phone numbers of the people who the money was transferred to. I was also able to track my phone for a short time. 
I filed a complaint with Well-Fargo XXXX XXXX and also filed a police report. I received a letter back say they had closed the complaint saying " transaction were made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred ''. 
I called again and was told I had to fax more information. I faxed multiple documents XX/XX/XXXX to the fax number provided. I did not hear anything. XX/XX/XXXX I called again and was told they have no record of my fax even though I had confirmation this was sent. 
XXXX! XXXX I went to Wells-Fargo and they faxed it again. 
This is going on 5 weeks, my account has less than {$1000.00} I need to pay my rent buy food, this is unacceptable. My money should of been returned immediately and I feel I am just getting the run around from Wells-Fargo .
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I paid my Bloomingdale 's card off on XX/XX/XXXX, in which reflected the current full balance. After the balance was paid, Bloomingdales issue an interest fee. Unbeknownst to me, in XXXX I find out the email saying I have a negative mark on my credit score. I contact Bloomindales to inquire and was told the account in overdue for interest plus late Bloomingdales agreed I should not have been charge the interest fee and late fee because the account was actually paid off was waived the late fee and interest payment. However, they did not contact the credit bureau to remove the deliquency from my report.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2019 I received an alert from my credit monitoring service about an inquire from XXXX XXXX in XXXX, wa XXXX ( XXXX XXXX ). Up unit that point I was unaware of this attempt for credit nor did I authorize it. The XXXX XXXX never allowed service to the perpetrator but they did add a inquire to my credit report with transunion.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions Bank ran a promotion last year to open a Business Checking Account and receive {$300.00} bonus. I opened an account in branch on XXXX XX/XX/XXXX for my sole proprietorship business. I received my Visa  CheckCard in the regular mail 11 days later. So, I began, in earnest using my card to achieve the required 10 transactions within the remaining 19 days after account opening. My first use was on XXXX XX/XX/XXXX and it posted XXXX XX/XX/XXXX. The next use was on XXXX XX/XX/XXXX but did not post until XXXX XX/XX/XXXX because merchant didn't charge until items shipped. Every transaction after this posted to the account within 2 days of the charge. Even charges on XXXX XXXX and XXXX XXXX ( during XXXX holidays! ) posted the next day ( not business day ). So, I had a reasonable expectation that my final transaction on XXXX XX/XX/XXXX would post within 2 days to meet the bonus requirements. I waited the required 120 days after the final transaction for the bonus to post. When it never did, I went to the branch to question why. Upon subsequent checking, the bank indicated that my account didn't have the bonus incentive attached to it. I had all the documentation to get that fixed and I waited. At no time was I ever told that they were going to deny me the bonus because the last transaction didn't post until after the initial 30 days had expired - something I had no control over, but the bank did. My expectation was 2 days to post based upon the previous 9 transactions. While I was waiting for my branch banker to find out what was happening with the bonus, I did not have the use of my funds without jeopardizing the potential bonus or paying a monthly fee. I had to keep the account open another 3 months just to be told XXXX XX/XX/XXXX that I was not getting the bonus. At no time prior to this was I ever advised that I wasn't getting the bonus. Seems pretty shoddy that a bank that wants me as a customer would not, in this case, overlook their failure to : 1 ) get me the Visa CheckCard within 5 days ( which is normal according to branch banker ) so I could start my transactions sooner, and 2 ) to post a final transaction to the account within the normal 2-day time frame and award the bonus, at least, as a goodwill gesture to keep a customer. 

In the promotional literature with the bonus advertising, Regions says their goal is to be my new bank and that once I experience their award-winning customer service, I will become a long-term customer. Ain't happening.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I lived in XXXX and drove to XXXX to opened a Chase checking account on XX/XX/XXXX.There is no Chase branch in XXXX, the nearest branch is in XXXX, which is 75 miles away from XXXX. 

Everything goes smoothly until XX/XX/XXXX, I received 2 mails at the same time. 
One is a requirement for XXXX form and SSN authorization. The first letter said that I have to offer these two files before XX/XX/XXXX, or my account will be closed. So I fax these two forms XX/XX/XXXX. 

The second mail told me my account has been closed since I did not offer these two forms. 

How ridiculous it is! The first mail is mailed by XX/XX/XXXX, and the second mail is mailed by XX/XX/XXXX. I received them at the same time. Although I have made efforts to follow instructions to prevent my account being closed, but Chase closed my account ( mail 2 ) before require forms ( mail 1 ) Chase made at least 2 mistakes. First, the banker did not let me fill XXXX form and did not take SSN authorization form, which later I found it at the files about this opened checking account, I have signed it but the banker did not bring, he just gave me will many other files. 

Second, Chase closed my account by mistake before the last date XX/XX/XXXX.  Although I tried to offer the missing forms, faxed them the next day, Chase refuse to reopen my checking account. 

I made many official complain by making phone calls to Chase, the stuffs did nothing but say sorry. They told me if I want I can drive back to XXXX and open a new checking account. I did nothing wrong, it is totally Chase 's mistake, why it is me to do all the thing? 

I spent a lot for the whole thing, including driving there to open account, making many calls to try to solve the problem, faxing the forms, but received nothing but sorry. My research sponsor was linked to the new Chase checking account, and it is late when I found this account was closed, so I have to change to another bank to receive it. This sponsor was about 1month later. 

This new open Chase checking account was with {$300.00} bonus for qualified direct deposit, so I can not receive it after the account closed. Is not willing pay {$300.00} the reason for closing my checking account? 
I tried to upload some images of relative files but failed.
Consumer complaint received 2019-07-08
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: WELLS FARGO & COMPANY (NE)

We have spoke to Wells Fargo mutiple time to put the transaction in disoute as it is a fraudulent charge. We spoke to a Rep on XX/XX/2019 names XXXX He attempted to help us but was disconnected. We asked for a supervior on XXXX  XXXX and one was not avilable my call was taken by agent XXXX and we where promised a call back and never recieved one. XX/XX/XXXX the bank states they called and left a voicemail regarding the sisuation but we do not have a voicemail ... Thus far we have not been able to get the charges in dispute. The charges where put on account on XXXX.. I have been getting collection calls regarding payment for this charge which is not mine ... I can not keep calling in getting empty promises. I have a Zero Libility on Fruad charges on this XXXX ... I expect to use the full extent of that
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a dispute to clear up a wrongful Past due payment from XXXX, they ended up adding another past due for XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than 100pts.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

A little over five years ago we went to XXXX to buy home. They told me they only dealt with Vanderbilt Mortgage. That was n't an issue at the time but when I went to sign the contract the interest rate was too high as 10.94 % the representative for XXXX Vanderbilt Mortgage tell me not to worry about it if I had make my payments on time in five years they would give me a much better interest rate. So I went forth with the loan. When I went to ask Vanderbilt Mortgage for a better interest rate several times to rework the loan they told me no in spite of my perfect payment history and submitted to them documentation that we have lost {$50000.00} of income and was struggling making the payment but I continue making the payment on time. I feel this is dishonest in a breach of a verbal contract that I had with the representative at the time I put {$10000.00} down and was going to pull away from the negotiations but told me not to worry about it they would rework it if I paid all my payments on time in 5 years and I have. One the representatives even hinted to me that I needed to be behind on my payments for them to even consider it which is also wrong. I feel that I 've been a good customer to them they 're making a lot of money off my interest and because I had a verbal agreement that it would be reworked in five years they should honor it.
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

Debt collection agency sent debt that does not belong to me to credit bureau. Contacted collection agency, and they were uncooperative and not willing to help. All information sent to them does not match my identity at all. I verified my identity to all parties involved and it was confirmed I was the wrong individual. I made numerous attempts and made numerous suggestions to the collection agency to help them rectify the situation and they were very combative towards me, including the office manager, who was not willing to help. 

I have made 4-5 calls to their office and have been given the run around about the process and how the situation can be handled. They tell me to call someone else, and that they can not help me. 


Please let me know if more information is needed.