davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

I have disputed {$690.00} to American Express about receiving damage products from a merchant ( bed bath beyond ). American Express has failed to give my money back. 

They have stated that I never used the ''online return tap from the merchant 's website. This clearly is an insult to anyone 's intelligent, as I called the merchant toll free customer service number to notify about the product ( s ) defects. Further more the merchant XXXX  XXXX call center Representative failed to understand my situation. 

I even stated to American Express that the merchant has deny me even the simple requests of a return label. 

American Express has failed clearly time and time again denied my claim even after providing pictures of the damage product. I feel they targeting me for no reason, which is clear after providing the pictures, and forcing me to pay for something that is defective. 

Reference number XXXX XXXX
Consumer complaint received 2021-12-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC (WA)

To complaint XXXX, RPM General counsel XXXX XXXX wrote `` Upon receipt of this complaint, RPM contact Rock Creek Capital , LLC, the current owner of the debt. Rock Creek advised a credit in the amount of {$3700.00} had been credited to the account. There remains a balance of {$120.00}. XXXX XXXX may contact RPM to resolve the remaining balance. XXXX XXXX General Counsel '' The response does not provide any context or evidence about the remaining debt, which is still unsubstantiated and does not match anything listed on any of the paperwork from the company that has ever been provided to me, nor is there any offer to send a receipt or explanation of the remaining balance. Clearly I will have to make another request to the attorney general 's office, another cfpb complaint and another certified mail. 

They have not provided any context or evidence or receipt or explanation of why there would be a remaining balance at all, and the remaining balance does not match any other provided figure in any of the documentation that the company has ever provided, not that there has ever been any communication about any debt ever either by Rock Creek capital or by XXXX. This is clearly a farce. 

They need to absolve the debt entirely, immediately. 

Please note that the address provided by RPM clearly has a typo in the name of the city, they listed XXXX XXXX, the correct name of the city is XXXX XXXX Please note that this address is also simply a virtual or fake because it is also listed for https : //www.bellapsych.com/contact-psychiatrist-bella-living.html in XXXX XXXX Also note that in the documentation provided by rpm, the name of the creditor is either erroneous or has a typo, as it is listed as " XXXX Rock Creek Capital, '', which is not even the name of the creditor that they claim to have the debt in, which does not even have an actual office and the office is actually occupied by a completely different and unrelated company. 

Again, this is so obviously a farce.
Consumer complaint received 2019-08-28
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 (AZ)

I'm filing this complaint against Wells Fargo because Wells Fargo has not only failed to prove that I'm responsible for the charges but refuse to speak to me on the phone regarding the matter. I have called several times and I was recently reported to XXXX XXXX by Wells Fargo and that is completely unacceptable. What I do know is I lost my card, or it was taken. I do know that due to my memory issues I am known and prone to leaving things around and I do not know of a person who would take from me, so this had to be a stranger. Wells Fargo has been on my side before and is a reputable company, BUT in this matter, I find myself on the short end of the stick and that is not going to work from a consumer stance. Per Federal Regulation E and the Federal Reserve, each claim is to be investigated thoroughly and I'm formally through this complaint requesting in writing PROOF that I was the party who used the card and authorized the charge. The charge of {$1900.00} for claim # XXXX was not completed or authorized by me at all. 

I've called and requested the copies of the documents used in making their decision and reps hang up on me, leave me on hold and are not open to assist. XX/XX/19 I mailed a letter requesting the documents and requested for the claim to be reopened and the charge to be redisputed. The lack of communication has been XXXX and has caused me much XXXX and only fuel my poor XXXX health. Wells Fargo closed my account and essentially blamed me for someone taking advantage of me and taking my funds. I need Wells Fargo to look into this matter ASAP!
Consumer complaint received 2023-04-07
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. (CO)

I received a text message from XXXX XXXX XXXX XXXX XXXX  ) that a credit card application was approved. I XXXX  XXXX 's phone number to call and inquire if this was a phishing scheme or someone stole my identity. They said someone indeed did steal my identity and tried to open two fraudulent accounts. After resolving the issue with XXXX, I logged into each of the three credit bureaus to look for other hard inquires/issues that might have come up. Within Experian, I found that that my account was hacked -- someone updated, in my personal profile, my phone number and email address to something that was not mine. It sounded like the phone number matched the one that was used to open the fraudulent credit cards. Experian makes it impossible to get a live agent on the phone. After multiple calls and the headache of their robotic phone tree, I was finally connected to a live agent. I had a very hard time understanding what the agent was saying, and the agent said they couldn't transfer me to someone who was easier to understand. To my understanding, they said they would deactivate my account and that I would need to submit documents to get it reinstated. I want to be connected to someone who can actually support this process and can assure me that my account will not be hacked again. By updating my email address in my profile, even if I try to change my password, the hackers can quickly " recover '' the account back to them.
Consumer complaint received 2024-05-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc. (MI)

Purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX. My monthly car note was {$400.00}. The car was repossessed by XX/XX/XXXX, and re-sold by XXXX. This account popped up on my credit report ( categorized wrong, incorrect balance ) around XXXX. Ive disputed this account for three years, minimum. The original lender, XXXX, closed the account ; never took me to court. Neither has the debt collector, NCB. Now the debt buyer, NCB, claims I owe nearly {$5000.00} ( which equals about 10 months of nonpayment ). That is wrong! I do NOT owe either company nearly {$5000.00}. 

This account keeps popping up on my credit report. It was removed once, after XXXX closed the account. Then it popped up with false charges owed to NCB. My report now says this account will stay on record until the end of this year ( XXXX XXXX ). Will it pop back up on my report ( to reset the time on my record ) when another random debt buyer simply SAYS or WRITES I owe them money with NO PROOF of no-payment for 10 months ( nearly {$5000.00} )?! 

This account is killing my credit score! The credit bureaus didnt classify it correctly ( as repossession ) from the beginning. I cant buy a house. Ive been trying for years.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-12-22
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' " {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Compensate Me {$2000.00} in total per violation as stated in 15 USC 1681N ( 1A ).
Consumer complaint received 2020-11-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

My recent loan application with Better.com was denied after being pre-qualified and two weeks of processing. 

I was pre-approved on XX/XX/XXXX by mortgage lender Better.com. I went into contract on the purchase of a home on XX/XX/XXXX. My application was denied on the XX/XX/XXXX. 

Better stated they were denying my application due to a singular 30-day late payment on my credit report. I appealed their decision and provided proof the 30-day late payment was an oversight and not indicative of a trend. My credit score is ~XXXX. 

I'm complaining because 1 ) Better should never have pre-qualified me in the first place for a jumbo mortgage because they knew full well what was on my credit report as early as XXXX XXXX. 2 ) During the rate lock process Better went so far as to compete for my business by removing all points and origination fees after I told them I was going to proceed with another lender. Better wasted my time and put my purchase transaction at risk. The process is already stressful enough and they acted carelessly. 3 ) I don't believe they evaluated my application fairly. I suspect they denied my application for profitability reasons as they are pre-IPO. They used a minor infraction on my credit report as an excuse to deny a loan they weren't going to make any money on. 

Note : even after explaining the late 30 day payment was only a 34 day late payment of {$9.00}. I was able to demonstrate to Better that I have continually paid my credit card off in full. They were not satisfied with this explanation. They claimed they were following investor guidelines.
Consumer complaint received 2018-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (KS)

My mortgage company ( currently Home Point Financial Corporation, formerly Stonegate Mortgage ) provided me a notice in writing on XX/XX/XXXX that my mortgage insurance premiums would be removed when I reach a loan-to-value ratio of 78 % or lower and make 60 monthly payments. I did this, however, they kept charging me the premiums. They over-charged me by {$580.00}. They have stopped charging me, as of XX/XX/XXXX. 
I have made attempts over the phone, via email, and through their customer portal online to request the refund, however their response is that they looked into it, and that I'm not owed a refund. They will not tell me who I can talk to in order to appeal the decision
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX reported our account 30 days late when we have never been 30 days late. 
We refinanced our mortgage with XXXX XXXX and closed on XX/XX/2018. They reported our account 30 days late on XX/XX/2018. 

XXXX XXXX acknowledged that this was an internal error and stated they would remove the 30 day late payment from my credit reports. The 30 day late is still showing on Experian and XXXX which is preventing me from refinancing my mortgage.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (MD)

I recently opened a joint checking account with M & T Bank with my husband, and I am in the process of transferring from my individual M & T checking account to my joint account. On Friday, XX/XX/2020 I disabled the overdraft protection feature on my individual checking account with M & T. Following this action, 2 transactions were completed resulting in a negative account balance as well as 2 insufficient funds fees. I contacted M & T on XX/XX/XXXX asking for a removal of the insufficient fund fees, and notified them of my intent to pay the outstanding amount, though I did not wish for it to be transacted from my bank account. Unfortunately, the two people that I spoke with informed me they would not be able to do so because they have previously reversed overdraft fees. However, half of the incidents of reversal of overdraft fees were erroneous, as there were funds available during the time the transaction posted. I would like the overdraft/insufficient funds fees removed from my account, as I have willingly paid them many times while experiencing financial difficulty and banking with M & T. Not to mention, I specifically requested for this feature to be removed from the account, but my request was ignored.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

i opened my account with wells fargo initially XX/XX/XXXX XXXX i forgot that i opened it and had lost the account long ago. so recently i tried to opening an account with them. XX/XX/2023 i called them to see if someone could help me open one. they already have me in their system from the account i opened in XXXX but i cant open a new one due cant verify identity despite having one opened 3 years ago as well as having the same exact email address. knowing the address i had on file which was XXXXXXXX XXXX XXXX XXXX ny XXXX the phone number being XXXX and they cant still verify my info from the account but cant open a new one. so i get told to go to a branch even though my zip code is XXXX and they even acknowledged there isnt a branch for 100 miles. i tried getting in contact with the branch located in new york XXXX to try to get help to open it over the phone no one ever even got on the line. i received a secured email message the same thing i asked them if i could use to send in my id and ssn to open the account since i cant get to a branch in person. they too never get back to me. i have tried numerous times to get help opening this account again and getting a debit card sent to me but i guess what they say about wells fargo and them constantly scamming and wronging their customers/ not caring about them at all is entirely true.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

Collection on credit Report 19 months old. No contact or attempt made to notify of payment owed. 

Diversified credit has placed a collection on my credit report for an outstanding XXXX XXXX XXXX cable invoice from XX/XX/XXXX. This account was to our knowledge closed and paid in full upon moving. We never received any documentation or notice of the outstanding balance owed. The first knowledge of this debt was upon working with mortgage lender to close on a home in XX/XX/XXXX. The dating of this debt per XXXX XXXX XXXX and Diversified XXXX is 21 months old and has just appeared on my credit report XX/XX/XXXX. If this invoice was received I would have made due payment. However in trying to work with both XXXX XXXX XXXX and Diversified XXXX they are unwilling to assist in clearing this from my credit report despite my eagerness to pay in full. To my knowledge this debt did not exist and was unable to pay what I was not aware existed. Note, a bill was not received at the forwarding address at anytime. 
Unable to attach statement below as not provided by either XXXX XXXX XXXX or Diversified XXXX although requested twice.
Consumer complaint received 2023-04-07
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 2019-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I'm a U.S. legal permanent resident ( " green card '' holder ). Several years ago, I opened a checking account at a Chase branch. Two weeks ago, I wanted to add my spouse to my account. The banker refused to accept my New York state I.D . stating that only U.S. citizens are entitled to using their state IDs as their primary form of identification. Non-citizens are required to present their immigration papers at Chase. Later, I confirmed with Chase 's executive office that this was in fact their policy and that they stood by it. I find this policy discriminatory and suspect that it may not be fully legal. My state I.D . is as good as those of U.S. citizens. If a U.S. citizen does not have to verify their citizenship status every time to perform a simple transaction, nor should I be required to show my immigration papers every time I enter the branch. Either state IDs are accepted for every ( established ) customer or not.
Consumer complaint received 2021-12-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (WA)

To complaint XXXX, RPM General counsel XXXX XXXX wrote `` Upon receipt of this complaint, RPM contact XXXX XXXX XXXX XXXX XXXX, the current owner of the debt. XXXX XXXX advised a credit in the amount of {$3700.00} had been credited to the account. There remains a balance of {$120.00}. XXXX XXXX may contact RPM to resolve the remaining balance. XXXX XXXX General Counsel '' The response does not provide any context or evidence about the remaining debt, which is still unsubstantiated and does not match anything listed on any of the paperwork from the company that has ever been provided to me, nor is there any offer to send a receipt or explanation of the remaining balance. Clearly I will have to make another request to the attorney general 's office, another cfpb complaint and another certified mail. 

They have not provided any context or evidence or receipt or explanation of why there would be a remaining balance at all, and the remaining balance does not match any other provided figure in any of the documentation that the company has ever provided, not that there has ever been any communication about any debt ever either by XXXX XXXXXXXX XXXX or by XXXX. This is clearly a farce. 

They need to absolve the debt entirely, immediately. 

Please note that the address provided by RPM clearly has a typo in the name of the city, they listed XXXX XXXX, the correct name of the city is XXXX XXXX XXXX note that this address is also simply a virtual or fake because it is also listed for XXXX XXXX XXXX in XXXX XXXX Also note that in the documentation provided by rpm, the name of the creditor is either erroneous or has a typo, as it is listed as " XXXX XXXX XXXX XXXX, '', which is not even the name of the creditor that they claim to have the debt in, which does not even have an actual office and the office is actually occupied by a completely different and unrelated company. 

Again, this is so obviously a farce.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received XXXX. I ask for them to take off the Louisiana child support off my credit and had gave them a copy of the court order, but its still hasnt resolved and my credit drop 32 points after the dispute.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC. (AL)

Cash Central, XXXX XXXX XXXX and Insight Captial placed an inaccurate collection on my XXXX credit report. I contact Cash Central regarding the collection. The representative stated Insight Captial was handling the collection. XXXX XXXX XXXX is the collection agency listed on my credit report. I did not open an account with Cash Central on XX/XX/2021. I do not owe this collection.