davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Having XXXX XXXX as my loan officer was the worst thing that could have happened to me during this entire experience as a first time homebuyer. 

He gave me a closing date of XX/XX/XXXX. Throughout out entire correspondence he was constantly needing new things from me - letters, paperwork, forms. Each time I gave him what he needed as soon as the next day. Then I wouldn't hear from him for days. My attorney tried to reach him, my realtor tried to reach him, at one point, the seller was threatening to cancel my contract because XXXX was not timely in sending my loan papers to them. When I would get a hold of him, it would be more things that he needed, all of which could have been done and provided weeks before coming up to the closing date. Not once throughout this process did he tell me the truth that the closing date was going to be delayed. So I scheduled movers, I packed my entire life in boxes, I scheduled XXXX to transfer my internet, I informed my roommate that she would be able to move in the coming weekend. Come the day before closing, surprise surprise, he's not ready to close. And there's more paperwork that needs to be done AND a 3 hour homebuyers course that he forgot to send me. 

I'm absolutely LIVID and STRESSED because this man doesn't have it together. I've done everything he's asked of me and I'm now dealing with the consequences of his inability to do his job. Now I need to ask my landlord if I can stay and pay for an extra month 's rent. He's inattentive, slow, and unapologetic- pretty rude too. He blames it on the underwriter, the process, me. He's not transparent as I'm still waiting to hear from him a new closing date. He tells me he'll call me back - doesn't happen unless you call him first. 

If it wasn't for this grant I was getting and how far in the loan process I am in already, I'd fire him and stick with XXXX XXXX. This man has royally XXXX me over and I know he's getting a commission from my loan that he absolutely does not deserve. 

Do NOT get a loan with XXXX or XXXX XXXX XXXX for that matter unless you like ripping out your own hair.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Week before XXXX of XX/XX/2021 I received a call at work and I told the guy to remove my work number from the account he tried saying I authorized to call my work and I did not and as of today XXXX XXXX the company again contacted my work which our work numbers are only for emergency use only and the lady wouldnt say where she was calling from until the third time I asked and I asked her not to call my work number again I did not authorized
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I believe I am a victim of identity theft. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. I disputed the fraudulent information on DISCOVERBANK from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( DISCOVERBANK XXXX )
Consumer complaint received 2022-10-07
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. (FL)

DELETE ACCOUNT for inaccurate Payment history, on XX/XX/2022 this account shows 60 days late, with no prior 30 day late it can not be 60 days late without first being 30 days late. Attached proof of inaccuracies
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION (SC)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-01-26
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. (NJ)

I have sent numerous documents to Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

MEDICREDIT INC has continued to use tactics to contact me after receiving a cease and desist. This company is stating I owe a debt that is not mine. MEDICREDIT INC has failed to validate this alleged debt within 30 days. This company continues to send me mail stating they are debt collectors and they are attempting to collect this alleged debt that I do not owe. This company failed to heed my cease and desist. This company has violated so many federal laws despite my efforts to cease communication. They are cause distress to me by contacting me. MEDICREDIT is a debt collection agency that purchases debt from other companies. This company is practicing unfair and unlawful. The refuse to respect my consumer rights and privacy.
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Finance System of Richmond, Inc. (TX)

I have called this original creditor company several times informing them that I was a part of several government and XXXX data breeches. I have submitted to the credit bureau all of the police reports and the fraud reports filed during the time prior to, during and after this debt being added to my credit report. I am not sure what else I need to do.Its as if they want to collect from me on a debt even if it is fraudulent. There has to be some recourse for them not taking my identity theft into account. This has damaged me financially and emotionally because I am unable to secure credit line due to this fraudulent account being on my credit report. 
I have even filled out papers for the original creditor informing them that this is a fraudulent account. I have gotten not response each time I filled it out. When I would follow up after a month I am told to fill the same papers out all over again. It is frustrating and unfair to me. 
The credit reporting agency told me that all the collections company have to do is to send an electronic message to them claiming they investigated and found the account is mines. So they can lie as if they have reached out to me and conducted a verification and it will remain on my credit file. 
Also These accounts were once deleted from my file and then allowed to be added back by the credit reporting agency.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-01-14
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. (FL)

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Hello, On XX/XX/2021 I accessed my Chase.com bank account to send funds through XXXX to one of my vendors. A little later, I received a message that the payment was under review and shortly after my online account was blocked due to fraudulent activity. 
The email I received indicated that I have a secure message in my online account and that I need to log in to review and reply. The problem was that my online account was blocked, so I couldn't access the account and review or reply to the secure message. 
I was trying to get an agent on the phone just to be told that I need to speak to someone from the fraud department. After XXXX (! ) hours on hold, the call got disconnected. 
I tried to reach chase representative through the social media, just to be told that they are unable to help. I was offered an option to meet with a banker at the branch, however I will need to schedule an appointment and that can take 7-14 days for appointment availability. 

After few attempts, I was able to get a representative from the fraud department who not just asked me to identify myself ( which is fair and expected ) but also insisted to know why I was paying the person on XXXX and what type of work he performed for me. 
When I answered it is private and not the representative 's business, I was told that without a reason, he will not open up my online account. 
That was finally resolved on XX/XX/2021. 

Today I was trying to pay another vendor {$800.00} and was immediately saw that this transaction is under review. Shortly after, my account was blocked again. 

While this bank account is not my main personal account, it is unacceptable that I can not access my account and the financial institution is fast to block the account but is also not accessible to provide service to open my account. Leaving me and my funds XXXX.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

Hello, I received XXXX emails on XXXX different dates notifying me an account was made using my personal information. TD bank was successful and sent me a debit card in the mail to my address. While XXXX XXXX was unsuccessful due to them not having enough information to successfully create an account. Ive only used 1 bank for the past 7 years. I dont need any new ones. I reached out to both banks fraud department and there is now a pending investigation for both. I was told to reach out to the federal trade commission for future occurrences.
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: JPMORGAN CHASE & CO. (PA)

XXXX You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I have been working with Fay Servicing and assigned agent XXXX XXXX during this time. On XX/XX/2021 I was approved onto a trial modification plan where I was to make 6 Months trial payments beginning XX/XX/2021 Thru XX/XX/2021 in the amount of {$3000.00}. I successfully made 4 of my 6 payments as sheduled however where I am having a problem is my payment in the amount of {$3000.00} was mailed by USPS to be overnighted and was delivered to Fay Servicing on XX/XX/2021 at XXXX XXXX- I understand my payment was to be into Fay Servicing by the last day of XX/XX/2021 and I did try to make the payment over the phone but was not able to so I resorted to overnighting the payment instead the problem was the mail was delayed. I have been working with XXXX XXXX and she has been more than helpful with my case On XX/XX/2021 we did speak to XXXX and emailed her the tracking number from USPS showing proof of payment being mailed ( Tracking Number XXXX ) and she reached out to the investors to see if they can over turn this issue, however, while in review since XX/XX/2021 Fay Servicing issued me a Foreclosure date of XXXX I have requested the postponement to allow time to be properly reviewed but agents at Fay Servicing advised me they DO NOT have to stop the foreclosure eighter the investor will agree to help me or the foreclosure will take place but that they can not stop it and will not even though I'm in the review process of appeal.
Consumer complaint received 2019-11-13
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. (GA)

A joint vehicle loan was paid off on full as a trade in by the 1st/ main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.
Consumer complaint received 2018-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

XX/XX/18 XXXX XXXX XXXX IL : I was paying for tickets tonight ( {$220.00} ) from a guy I met on XXXX and it all seemed very legit. I used XXXX through my Wells Fargo bank app. I figured it was completely secure and Wells Fargo could solve anything if a problem arose. The guy was a scam so I immediately contacted Wells Fargo and apparently they could do absolutely nothing. That is crazy that a huge bank institution could advertise a company like XXXX but it not even be secure. It makes me want to switch banks! There needs to be warning signs or they should stop working with them! I hoped my bank could do more to help me because we have been with them for years and do a ton of business with them!
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2018 There is a hard inquiry by XXXX XXXX XXXX appearing on my credit report. 
This is incorrect. I did not apply for any new credit nor loans with XXXX XXXX. This inquiry needs to be removed. Errorinformation appears in Trans Union and XXXX.
Consumer complaint received 2020-02-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BK OF AMER XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-11
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: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

This is with my Chase Freedom Card.. A payment was made to that card in error by my ex-wife. We called the day it was made ( Saturday XX/XX/XXXX ) to have the payment rejected however because it wasn't yet showing they were unable to do do. That representative stated she noted the account. We called once the payment was showing ( XX/XX/XXXX ) and they refused to the reject the payment or return it electronically, as they stated they would. They would only mail a check, which takes 7-10 business days. We were told to call back on XX/XX/XXXX to speak to a payment specialist who could help. We did at XXXX XXXX  on XX/XX/XXXX and that payment specialist also would not send it electronically. I asked to speak to a manager and they said they were already a manager and wouldn't do what I asked or transfer me. This payment was made to a closed account and then applied to an existing account without being rejected. To say they can't send it back in today 's digital age is ridiculous. I asked to close my account if they can't help me but they didn't care. This was part of her mortgage payment and 7-10 days is too long to wait when the company was called before it even happened.
Consumer complaint received 2020-02-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc. (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-02-11
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. (SC)

Equifax I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with Equifax and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
XXXX I called them starting the same dates as mentioned above and no results. 
XXXX  - I called them and same as mentioned aboved