davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/. I received a phone call from what " appeared '' to be bank of America. I answered and was told it was the fraud department from bank of America and they're calling to inform me of fraudulent activity happening on my account. After providing me some information they walked me through some steps and then it said I sent {$2000.00}. I'm still unsure how this happened but it did and I did not intend to send my savings to anyone.I 've reached out to bank of America and they said its nothing they can do about it and that's not right. I was scammed by someone that could impersonate a company as big as bank of America and that should be impossible. I received the call from the exact number bank of America would call from. They should hold some accountability as well for that. I'm reaching out to you because I desperately need assistance in recovering my funds. That was everything I have. All I got. Please help. If you have any questions or need more information about this case please call me at XXXX or email XXXX. thank you
Consumer complaint received 2019-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dates of inquiries : XX/XX/2018,XX/XX/2018,XX/XX/2018 Theres an erroneous amount of inquiries on my credit reports from your company. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KS)

I recently logged on to Equifax for my annual free credit bureau report due to the recent security breach. 

First of all, I previously placed a customer statement on my file. I stated that I am an identity theft victim and to contact me directly prior to issuing credit. In addition, I requested that my social security number and driver 's license be required in order to extend credit in my name. This statement is no longer on my credit bureau. I never removed it. 

Second of all, they are still reflecting an unpaid tax lien on my credit bureau report. I have repeatedly provided them with the documentation to show it was paid. Moreover, it is not reporting on my XXXX report and XXXX reflects it is paid. I am providing a copy of my XXXX  report for your records. If these two credit bureau reporting agencies can manage to get it right, Equifax should be able to get it right. Good grief. 

This is probably the 3rd or 4th time I 've needed to report Equifax in the last several years for these types of problems. It is getting old. Please intervene and require them to update my report to show it is paid and to place my consumer statement back on the report.
Consumer complaint received 2022-05-04
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/year> @ XXXX ; XXXX. XXXX XXXX, XXXX for Navy Federal Credit Union received payment for all the account stated below. 


XXXX cash rewards card ending in XXXX mastercard plattinum card ending XXXX Consumer loan-ending in XXXX
Consumer complaint received 2021-12-08
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: Santander Consumer USA Holdings Inc. (PA)

I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc. (NJ)

They sending me a letter for a debit card, that I never received or never had received money from them, they tried to scam me, I only have one bank card and I never received money from you guys, I want they stop sending me letter
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (OH)

I originally opened this Wells Fargo consumer checking account XX/XX/XXXX to XX/XX/2018 and was to receive {$200.00} bonus with 3 direct deposits of {$500.00} or more. While completing the requirements XX/XX/XXXX and XX/XX/2018 I was never paid my bonus. I insured that i waited well over 120 days after to contact about receiving payment. Each time I contacted customer service ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018  ) I was told i indeed did meet the terms and no one could figure out why I never received the bonus. Each time I was promised repeatedly that this would get taken care of. Please feel free to pull the recorded calls to verify this and check notes in the account. Finally after submitting a research claim and escalating the issue I was told that i did not qualify because i did not receive the payments over three consecutive months only two. The way I understood the promotion was that I only needed to receive 3 direct deposits of {$500.00} or more which is exactly what I did. I am paid bi weekly so I received payments on XX/XX/XXXX and XX/XX/2018.  To make matters worse my account was sold to XXXX XXXX like all accounts in the State of Ohio and it still hasnt been taken care of even though I was promised it would be before the account sold. Wells Fargo is a joke and its a wonder they are still allowed to stay in business after opening false accounts, making people lose homes because of a computer mistake and now not paying a bonus when promised. I can only imagine how many other people have incurred the same issue with no result just a sorry tough luck. I am not going to take that answer I did my part now I expect you to hold up to your part.
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (NY)

I called the department to verify the inaccuracies, and they sent me a letter saying it is accurate. When I did a thorough research myself, I found improper inaccuracies on the credit report even after they said they did a thorough research. 

Account Name : XXXX Account # : XXXX In accordance with the fair credit act XXXX  account # XXXX, has validated my right. 
15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (CA)

In accordence with the Fair credit reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency Can not furnish a account without my written instructions 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 2023-04-09
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. (RI)

On XX/XX/XXXX, I received an email from Experian claiming that a new account was recently opened in my name at XXXX I never opened that account nor did I authorize anyone to open it in my name. I immediately looked up then contacted the company, which turned out to be XXXXXXXX XXXX XXXXXXXX XXXX. Their outgoing phone message claimed that they never handle fraud disputes by phone and gave an email address to contact them with these matters. I immediately emailed them on XX/XX/XXXX by email using their directions. Days passed and I still hadnt heard back from them. On XX/XX/XXXX I started a dispute against the fraudulent account through the Experian website. A day later Experian emailed me back to tell me that they did not agree with my dispute and the account indeed belongs to me. Then I tried submitting a dispute with XXXX, and again, a day later XXXX told me that the account truly belonged to me. I am at a dead end. The company, XXXXXXXX XXXX XXXXXXXXXXXX XXXX, never returned my email after 7 days of waiting. There seems to be nothing I can do at this point and Ive turned to CFPB to help resolve the issue.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NJ)

This company is reporting fraudulent inaccurate information on my credit report have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

Re : Specialized Loan Servicing LLC. Post office box XXXX XXXX Colorado. XXXX. I made 2 large online payments more than enough to payoff a 2nd mortgage. They have both amounts in cash no problem. They are not apply the last payment on XX/XX/21 which is {$20000.00}. They are giving me the run around. They have my money and I don't trust they will apply it or at least send it back. I need help with this unhelpful dishonest company please.
Consumer complaint received 2020-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened up a 0 % APR credit card with capital one. When I applied for the card they did not make it clear that I would be still making minimum payments. I have used similar cards before for credit transfers and this was not the case. Missing the first payment is when I found out. As soon as I discovered the clerical error I payed the minimum and contacted the bank but they refused to work with me to take the derogatory mark off my credit score. This is my only missed payment in all my years of credit and this has dropped my credit over 100 points. I am submitting my latest credit report to show my credit history and to hopefully be able to resolve this by taking the derogatory mark off as it was a clerical error that was fixed as soon as it was discovered.
Consumer complaint received 2020-12-14
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-04
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit scorXXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im hXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im dXXXX now.with no help.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

In XX/XX/2021 I spoke with a loan officer with AmeriSave in regards to refinancing my three properties. We agreed on rates and associated costs. When the original documents arrived I noticed the box marked float rate was prechecked. I call the agent and told him I do not want floating I wanted it fixed and to change it. He said it was prechecked to floating to protect the consumer from missing out when rates drop but it also guarantees our original rates even if rates go up. I questioned this the last few months everything they sent me updated disclosures with higher rates. He assured me that it was just the current market but would not be my rate. My rate would be the original rate. Yesterday they sent me notice of final rates and fees of one of the properties. It was higher. They then informed me the others had already closed. When I asked what they closed at the rates were also higher. He now after lying for 2 months that AmeriSave only does floating rates and did not expect rates to go up. He purposely lied and misled me even when I demanded fixed rates and questioned it over and over.
Consumer complaint received 2022-05-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP. (LA)

I applied for a Mobile Home Mortgage with 21st Mortgage XXXXXXXX XXXX. I applied for an estimated amount of XXXX. I met all of the requirements that the website advertised along with proper Credit score, and income.. I dont believe that my application was viewed properly because I was denied within minutes after meeting all of the requirements. I also re-applied and was denied immediately ..I called the company for an explanation but they told me i would be receiving a letter. I have not received a letter from 21st Mortgage.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UMB FINANCIAL CORPORATION (KS)

On XX/XX/2021, {$500.00} was withdrawn from my account from a check # XXXX thru XXXX XXXX XXXX XXXX. 

The check was paid to the order of an organization and apparently cashed by an individual. There is no bank stamp or any other information on the check In XXXX o XXXXXXXX I contacted the bank to resolve the situation. 
I received a letter with the bank image dated XX/XX/2021, and immediately called the bank to inform them that the check was fraudulently cashed, and they agreed to begin an investigation. Service Request XXXX. 

After 6 months and XXXX additional phone calls along with an affidavit from the intended recipient the bank has refused to return the {$500.00}. 

The bank is responsible for this check as it provided it and did not follow its own procedures when it accepted the check.
Consumer complaint received 2020-11-05
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. (GA)

On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX  and Transunion. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found XXXX  at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX XXXX  borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (LA)

Navy federal has repeatedly informed me that I am cleared via SCRA. This happened roughly five months ago. I've been waiting for them to apply the benefits so I can purchase a property. They informed me that I only needed to wait. However, I am paying greater interest, which has been going on for a long time. As a service member, this is unacceptable. I sent these papers while abroad, and now that I'm back, the situation has not been resolved. They do not have a deadline for providing me with any type of guidance.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IN)

I tried to make a payment on the Caliber home app. It was down all Friday that was the day I got paid ( XX/XX/XXXX ) I have never been more than 30 days late on my mortgage but it was a rough XXXX this year. I forgot that I my payment did not go through and remembered on the XXXX that I needed to still pay my mortgage. I made a one time debit cardPayment which was made on that day .On my card it shows that I made a payment to caliber home loans on XXXX of XXXX. Caliber shows that I didnt get to them until the first Because it was on a Sunday After hours. I paid a XXXX dollar fee to have it credited to my account that same day. I talk to XXXX from caliber home loans which she did not really want to hear anything I had to say other than the fact that it didnt get to them until the first. I told her if their app was working then I wouldnt have this problem. And I wouldve never paid the XXXX dollar fee to have it deposited that same day. I called them and tried to settle it with caliber home loans XXXX had nothing to say other than they are not taking it off. Thats not fair, they show that I was logged on my account on XX/XX/XXXX trying to make a payment. I should have been shown some type of understanding and been able to get that 30 day late charge removed. I have never been more than 30 days late ever. I will be looking to switch my loan with another company.
Consumer complaint received 2022-05-04
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. (AZ)

This complaint to the Bureau 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. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX XXXX {$10000.00} XXXX XXXX XXXX {$76.00}