davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
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. (TX)

XX/XX/2021 was the last time I communicated with XXXX XXXX. In the referred document you will see that they said I did not get approved for the loan but when I looked in the XXXX data base it showed that my company currently had loan for the amount of XXXX, XXXX which we never received. I've tried to reach out to the company and all that I was able to receive was a generated message. I emailed XXXX on XXXX & XXXX of XXXX and the XXXX of XXXX of XXXX, the XXXX, my local XXXX and XXXX  and no one was able to help me.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — Store credit card
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. (TX)

I did not receive a statement ( mail or email ) from Citibank regarding an annual fee that was due on XX/XX/2019 for my Best Buy credit card and incurred a 30 day late fee penalty for payment which lowered my credit score drastically. I paid off both the late fee and annual fee for {$120.00} and called the credit card company to dispute the charges and damages done to my credit score. They advised that for some reason, the statement was mailed off and sent back to their office. The late fee was waived, however after several weeks, my credit score is still damaged.
Consumer complaint received 2016-02-19
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (VA)

I have XXXX mortgage with OCWEN loan servicing company and they are now reporting to credit bureau that I am past due when they are canceled my auto payment options. However I been calling them since XX/XX/XXXX to ask what other options were for me. They told me to let it mature and then I can apply for the modification. So, I contacted them on XX/XX/2015 few days before the mature date to ask if there are any other option. They told me to wait until it matures ( XXXX/XXXX/2015 ) then submit a modification request. So I did and they said it 's been denied because it a XXXX mortgage. Ever since last year they are calling me to refinance which I could have done if they did not give me the wrong information. Now since they are reporting the account as past due which impacted my credit scores to drop from XXXX to XXXX. There is no lender who will refinance for me.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CA)

This another complaint in reference to the lies from the reply on XX/XX/XXXX. XXXX is the first complaint id. I'm simply going to let you know that this bank will lie after lie after lie and have attached a letter as proof that I have been lied to and will lie even to the government my claim has been reviewed and accepted by Globel American Express XXXX team in the amount of XXXX dollars why have they only credited XXXX to my new account that's cancelled and can't receive new cards as Mr or ms stated in the reply to my complaint and have been told I can only apply well if this law breaking bank would fix the reported closed account in collections I probably would have been approved but guess what since you have both my accounts closed and breaking the law because it's under a XXXX investigation and I yet have been able to get replacement cards I will attach proof of this and demand they be reprimanded for being XXXX XXXX shame on you
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

On XXXX XXXX XXXX inr has been transferred by wise Their receipt shows that it was done by I had not got money yet I contacted my Bank customer regarding the same and even given them enough proofs but not use They said contact from other end
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

During the government shutdown in XX/XX/2019, Wells Fargo Home Mortgage offered my husband and I a loan program, which they claimed would allow us more time to pay our mortgage until the government reopened. We discussed the pros and cons with the representative in detail in XX/XX/XXXX, but at no time did Wells Fargo ever notify us that by accepting the offer we would be penalized by being prohibited from removing the PMI from our mortgage for two years. We only discovered that we would not be able to remove the PMI in XX/XX/2019, when we contacted Wells Fargo to discuss options to have the PMI removed, and learned that because we accepted the offer, we would be prevented from removing the PMI. We debated the issue back and forth with Wells Fargo representatives and they sent us several letters, for the most part admitting they failed to inform us, but claiming that they could not reverse the decision and allow us to remove the PMI. They wasted hours of my time, and caused my husband and I so much stress and heartache. Wells Fargo sent us a check for {$250.00}, and a letter acknowledging their error. But the expense of our PMI will cost us severely more than that, almost {$10000.00} over the next two years. We think this is unfair. And we wonder how many other home owners were tricked into accepting this program, only to find later that the program did more to hurt than to help.
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

Two checks were deposited into my wells Fargo checking account on the XX/XX/XXXX from a loan company one for {$700.00} and, one for {$700.00} that were counterfeit causing my account to go negative.I talked to fraud department at wells Fargo got a case # as well they said I would receive info from them sent out in the mail.weeks go by and, nothing is received so I go into my local wells Fargo branch and speak with the branch manager who informs me they do not have my case # on file.Nothing was filed.and they assure me that they will get to the bottom of the situation.and I will receive something in the mail informing me of their decision about 2 weeks later I receive an email informing me that my account is over {$1500.00} overdrawn and they are closing my account that I have had over 4 years never did they research the fraudulent checks or keep me in the loop I had two different case numbers and never received any info.now my account has gone into collection and my credit scores are messed up its been really stressful how can they legally a sure someone they will research or investigate the fraudulent check and, do absolutely nothing leaving me to pick up the pieces.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (IL)

I sold my property with a closing date of XX/XX/2022. The loan was paid in full and I had an escrow balance of roughly {$3800.00} which was verified by Caliber Home Loans, who held the original mortgage. I did not receive the escrow disbursement within the required 20 days so on XX/XX/2022 I called Caliber to inquire. I was told that it was an error with the address and yes it should have been sent and was {$3800.00} just give it a few more days. Call next week if not there. On XX/XX/2022 I still had not received and called again. This time I spoke with XXXX ( employee code XXXX ). She profusely apologized and said she could tell from the notes there was a mess up and the funds were still in escrow and she had no idea what was wrong. Told me she would expedite to a manager and I would get a call with resolution no later than Wednesday ( XX/XX/2022 ). On Thursday XX/XX/2022 I still have no call back from anyone from Caliber much less a manager. I spoke with XXXX ( sp? ) employee code : XXXX. She again told me she can see all the notes and that there is still {$3800.00} in escrow due to me and not sure why this wasn't resolved. I again asked for a manager however all I could get was a promise someone would call back, probably a manager, immediately. My escrow refund is now over 20 days past due according to RESPA  and the contract and I am having no luck getting my refund as promised processed to me. I have made XXXX contacts and still no response and would be willing to resolve.
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Funding is claiming an account as being mine. They have filed a lawsuit for judgement without ever sending me a notice they are trying to collect a debt. I found this line item on my credit report and disputed it as well as sending a letter to validate the debt, which they received and signed for, on XX/XX/2019. Approx 2 weeks later, XX/XX/2019, I received a summons and complaint, filed by Midland Funding, who filed a lawsuit for judgement. I have repeatedly disputed this with them to no avail and they have failed to provide any proof of ownership of the account.
Consumer complaint received 2019-01-30
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. (IL)

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2019-01-30
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. (MI)

I have a derogatory account reporting on my credit for a credit card that was discharged in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was discharged
Consumer complaint received 2019-05-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Trans Union is converting police reports to a XXXX  numeric code which sent to the debt collectors who are not getting the police reports and instead are getting numeric codes and marking identity theft and accounts closed due to fraud as verified. This is a crime. I requested for Trans Union to NOT use the XXXX system and send the physical documentation to the debt collectors which they are required under federal laws under the provisions under 609 from the FCRA. They have failed to do so. 

Detective XXXX XXXX XXXX XXXX XXXX Police have completed all necessary investigations into the matter and has marked the police reports as final. And that no further police reports are needed from their department. 

Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX
Consumer complaint received 2022-10-05
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. (IN)

My daughter applied for a XXXX XXXX XXXX  from XXXX XXXX. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXX XXXX  reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes ( XX/XX/2021 ), Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document
Consumer complaint received 2019-01-30
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: CITIBANK, N.A. (TX)

CitiCard, allowed a person to open a secured credit card, with the deposit from another a 3rd persons checking account. Without verifying where the deposit was coming from, never requesting a copy of my DL, SS Card, or banking records. At that time of my life, I didn't even have a Checking Account or Savings Account. I have sent them in a affidavit, police report yet they will not remove if from my records. Yet on XX/XX/XXXX they removed/deleted from my XXXX FILE and on XX/XX/XXXX removed/deleted from XXXX, yet want to allow XXXX to keep it on file. So it seems like a 50/50 draw. 50 percent there saying its mine, 50 % its not mine.
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

Spoke with LVNV FUNDING LLC in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

There are 3 inquiries that were done in the year XX/XX/2016 these 3 inquiries were to drop off my report. To date they are still reporting. I tried getting online to dispute this information and have it removed being its been 2 years but was not able to get online with XXXX  to do so. I always have a problem viewing my credit report with them
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am complaining about SPS telling XXXX XXXX XXXX XXXX to take my money and forcing me to do a short sale on my house. SPS has called me and set me threatening letters trying to force me to short sale and relocate. They started on a recorded line that they would look at my loan modification.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (IN)

My wife passed away on XX/XX/XXXX. When our son came for the funeral he didn't have a nice pair of dress pants to wear so we went to XXXX to get one. Due to COVID-19 could not try on pants so got 3 pants with different waist sizes so would have one that fit for funeral. After funeral, tried to return the extra 2 dress pants to XXXX but they were not taking returns at the time due to VOVID-19. 
On XX/XX/XXXX I called the issuer of the credit card ( US Bank ) at XXXX Option 6 and they marked the account deceased ( was in wife 's name ) on that date. 
After COVID-19 was more under control returned the extra 2 pair of pants to XXXX on XX/XX/XXXX. The refund was put back onto the cancelled credit card. 
Received refund check from Cardmember Service/Agent for U.S. Bank National Association for {$32.00} dated XX/XX/XXXX. It was made out to Estate of " Wife 's Name ''. When took check to my bank to cash it on XX/XX/XXXX I was informed they couldn't cash a check made out to an estate, please have the credit card company re-issue the check in either my or my wife 's name. I called U.S. bank same day and was adamantly told they could ONLY issue a check made out to an Estate. I was at an impasse.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (FL)

On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX. My credit card balances are incorrect for 2 months. I contacted XXXX XX/XX/19. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's XXXX, XXXX and Equifax responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score. 
XXXX. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/2019.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

A fraudulent check was deposited into my checking account for over 9k in XXXX. I was told by deposit services that it would be investigated and the check was deposited from PA. I do not know anyone in PA or live there. I was informed that it was not properly investigated. It caused my account to go into a negative balance that was suppose to be disputed in XX/XX/XXXX. The call was disconnected and I never got a call back. I was never informed by USAA that my account was being charged off, I never got a letter from them to my house. On XX/XX/XXXX the VA accidentally sent my VA benefits amount XXXX to the wrong account and I have been I contact with the bank since XX/XX/XXXX and was informed multiple times that I would be receiving my benefit check in 3-5 days every time I spoke with them. I was told Monday XX/XX/XXXX a check was mailed out but they were unable to provide me with a check number or tracking number. I was informed yesterday XX/XX/XXXX it wouldnt be until XX/XX/XXXX until receive my benefit check. I am now late on my rent and I have a XXXX yr old with XXXX XXXX who is also XXXX XXXX and XXXX XXXX. I have been unable to take her to dr appts due to not having the funds for her copays. I have been told that it is being expedited but there is no movement.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

After trying to file a dispute on Equifax 's website it gave me some security questions sp they could " identify the proper account '' none of the questions even applied to me so I couldn't even file a dispute. I called Equifax aaaand told them what's going on. They again asked me some questions to " identify the proper account '' over the phone. Once again none of the questions applied tho me and I was told " sorry we can't help you at this time ''. I'm not sure how a credit agency can determine my credit score when they don't even have the correct information.
Consumer complaint received 2022-01-20
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. (GA)

I noticed an account on my credit report in XX/XX/XXXX from a XXXXXXXX XXXX XXXXXXXX XXXX I notice it was a couple of late payments and it looked like it had been opened since XXXX of XXXX. I didn't know about this because I don't have credit monitoring services. I contacted XXXX on XX/XX/XXXX but I was told by customer service I would have to send in a fraud affidavit with the fraudulent information because I didn't have the account information. I sent over my fraud affidavit along with a copy of my ID and a letter explaining I was a victim of Identity theft, it was received by the credit bureaus on XX/XX/XXXX and was verified as accurate on XX/XX/XXXX. I never received anything from XXXX, not a phone call or a letter. On XX/XX/XXXX, I sent the same documents over to the bureaus and on XX/XX/XXXX, the account came back verified again and the same thing, nothing from XXXX. On XX/XX/XXXX I sent the same documents again to the credit bureaus and XXXX verified the account as accurate on XX/XX/XXXX. I am now sending documents directly to XXXX and filing a complaint because I don't know exactly what to do at this point. It is hurting my credit score and hindering me from obtaining any kind of credit at this point.