davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Credit card or prepaid 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: U.S. BANCORP (IN)

On XX/XX/19, I used my US Bank Visa to purchase online a CPR class in XXXX for {$75.00} from XXXX, XXXX. The class was scheduled in-person on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the class for which I have a confirmation email. XXXX XXXX of XXXX assured me I would receive a {$75.00} refund. The last week of XXXX, I received my Visa statement showing the charge but not the credit. I filed a dispute. and spoke with XXXX again when she called to assure me she had processed the refund. 

On XX/XX/19, I received a VISA dispute letter stating XXXX refused to refund me since I attended class and received CPR certification. They finally requested my documentation, which I sent today. On XX/XX/19, I called XXXX to inform her of the situation. She sent me the electronic notice she received from XXXX about the dispute, stating the {$75.00} is being withdrawn from her deposit. Apparently this occurred. I read the VISA dispute summary to her and sent it to her. We agreed it is full of lies. Now, this seems like banking credit fraud. We are giving up time and resources when it should be already settled.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Greenberg, Grant & Richards Inc. (MD)

I am writing to you regarding your debt collection practices towards me. I have become aware that you are an unlicensed debt collector in the state of Maryland, and this is a violation of the law. As a consumer, I have the right to be protected from unlicensed and illegal debt collection practices. 

Furthermore, I have previously sent you a cease and desist letter, and yet you have continued to contact me. This is a violation of federal law, as well as the laws of the state of Maryland. I demand that you cease all communication with me immediately, as I have the right to request that you do so. 

Your attempts to collect a debt from me have also been harassing and threatening in nature. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in such behavior. Your repeated phone calls and letters, threatening to take me to court, are causing me XXXX XXXX and XXXX 

I demand that you stop all forms of harassment towards me and that you cease all communication with me immediately. Failure to do so will result in legal action against your company. 

In conclusion, I would like to inform you that your debt collection practices are illegal and unacceptable. I demand that you immediately cease all communication with me and stop any further attempts to collect a debt from me. I will not hesitate to take legal action if necessary.
Consumer complaint received 2019-06-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (GA)

I am a seller who signed a purchase & sales agreement XX/XX/19 with a buyer pre-qualification letter dated XX/XX/19 expiring XX/XX/19. When the loan process went through underwriting, they discovered the FHA rules had changed XX/XX/19 and declined the loan as the buyer did not meet the NEW guidelines. I received notice of the denial dated XX/XX/19 on XX/XX/19. I requested for the lender to pay me my {$1500.00} since I am out of pocket my mortgage this entire time since I reside elsewhere with rent. They refused. How is it ethical that you can issue a pre-qualification letter where the buyer met the FHA guidelines XX/XX/19 and valid for 120 days but then say they are only prequalified as of the date of the XX/XX/19 letter??? I signed a contract based off the validity of this letter and no other letters amending it. I feel like the lender should pay my binder of {$1500.00} since we received NO notices prior to the XX/XX/19 signing that the pre-qualification letter was not valid anymore or possibly compromised due to MAJOR FHA guideline changes effective XX/XX/19. The lender should not issue such pre-qualification letters if the language has been compromised by regulatory industry changes and no longer valid or at a MINIMUM send a generic notification to all pre-qual parties with active letters. Where are the rights to consumer in this matter as I am sure I am not the only person who suffers financial loss due to this. Lender should be held accountable for these letters or not issue them. Seems like its WORTHLESS if you say they qualified XXXX but valid for 120 days when that is possibly false. I don't expect them to honor the loan. I just expect to be compensated by them for what I lost due to no amendment or notification regarding the pre-qualification letter validity.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC (ID)

In XX/XX/2023 an XXXX XXXX sales man came to my home. He said my south facing roof was perfect for XXXX panels. I did show interest and asked for more information in writing. He later came back with more information. The price was much more that what I was first told and now I needed to replace the roof. He gave me information that sounded incorrect about how much the Federal and State governments would privide in tax rebates. I checked with my tax accountant and I was told, that information was not correct. Early on in the proccess he said they needed to check my credit. I did unfreeze my credit for a couple of days so the company could check my credit report. As we moved through the negotiation of the installation price and proccess I declined to move forward with the whole instalation. I thought that was the end of story. About 2 months ago I saw a loan appear on my credit report from Mosaic Finance for {$9500.00}. I assumed it was a mistake and contacted the Credit reporting agencies. they investigated and told me that loan was for Solar installation. I was told that the {$9500.00} was paid to XXXX XXXX for Solar installation on my roof. I have spent hours on hold waiting to talk to XXXX XXXX, to no avail. Why did Mosaic pay XXXX XXXX for work that I did not authorize and did not have done
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Good Day When I dispute my credit report first and foremost there is nothing in the system showing that they received the disputes, however, when I called Experian, they told me the dispute has been verified but there is nothing in the system to show that. 

I am constantly sending disputes and there is nothing in the system showing it. The last time Experian shows in the system is XX/XX/2022. I have been disputing my account long past that.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am trying to link my XXXX bank account to my Capital One360 account for transferring money between the two. Capital one360 won't allow me to link with XXXX  bank. When I called to speak with someone about my issue, the response I got was " unfortunately there is nothing I can do, at this time we do not allow you to link accounts with a prepaid debit card '' I told them that XXXX bank is a part of/or owned by XXXX bank and it is not a prepaid debit card. I was told that their system is recognizing XXXX as a prepaid debit so there is nothing they can do. All I want is to be able to link MY accounts and be able to move money between MY accounts. Also, they do not accept payments from XXXX or XXXX banking for the same reason. Now I understand that XXXX  ifs indeed a prepaid debit card but everything I read says XXXX  is a bank account that just doesn't have a physical location. Similar to capitalone360.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-08-08
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. (AZ)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-06-25
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. (MO)

XXXX removed the XXXX / XXXX XXXX account but it still shows on equifax and XXXX and should be removed in full! This is a violation of the fcra and who ever does not remove the account will be sued in court
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Im upset because my credit report will not update on credit monitoring services specifically ( EQUIFAX ) and also XXXX hasnt updated since XXXX, 2022. Ive tried fixing this issues previously with no results. My report is having error updating on XXXX XXXX AND XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute certain items on my credit report that I recently investigated. Upon review, I discovered unverifiable, invalidated, inaccurate, and questionable items that were reported by your agency. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate and verified. However, the items in question do not meet this standard. Specifically, they violate 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) as they are not reported accurately. 

I am attaching copies of all letters previously sent for your reference. I kindly request that you conduct a thorough investigation into these discrepancies and promptly correct any inaccuracies found. 

Thank you for your attention to this matter. I look forward to receiving a response and resolution in a timely manner.
Consumer complaint received 2019-06-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo erroneously took out payment out of my account. They claimed that I authorized it. They would not let me listen to the tape. In the interim, they were supposed to credit my account the payment while an investigation was underway. They did not. I spoke to XXXX from Executive Customer Service who said there was a back end delay and I would have to " do what I needed to do ''. I contacted my XXXX my bank who notified me that they could easily reverse the transaction and give me credit pending the investigation of the issue. Four days later, Wells Fargo credited me the same funds. XXXX from Wells Fargo said that it would simply be reversed and in a matter of 3-4 business days it would be resolved. They extended my case, withheld credit reporting in order to help with this situation. Upon resolution, I was issued a resolution that that there was error on wells fargo 's part but was issued a check for {$450.00} as an " sorry for the inconvenience. '' The money never came out of my account. 

I called and set up a case in Mid XXXX to investigate this situation with the payment that was supposed to come out of my account.I received a phone call in late XXXX that they were still investigating and they would need to extend my case out to XX/XX/XXXX. I never heard back. In the interim, I am receiving foreclosure notices left and right. 

The resolution of this last case was that there was no payment reversal supposed to be made. Once again, Wells Fargo is falsifying the truth and I as the consumer have no choice but to just agree with their erroneous resolution. Meanwhile, my mortgage is still past due and Wells Fargo 's executive team has not done its job. 

I am being discriminated against because of my race and my husband 's veteran status. They have made it very difficult for us to resolve this issue. Aside from incompetence, I have advised Wells Fargo it seems that they are making this abnormally difficult for us to resolve and I feel that they are trying to take my home from me
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (LA)

When I was late on a horrible interest rate at the XXXX XXXX card, I tried to set up a payment plan with a collection agency with the hired XXXX by Synchrony bank ( a horrifying bank ) and collection agency. XXXX rep lied about what I owed when I set up a payment plan so I could not carry through on the plan. Synchrony bank accepted no responsibility and XXXX  calls me day and night, which of course, is considered harassment and against the law. This is the 2nd time I have reported this offense with no response from you. Sending to my attorney. Have proof.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (MA)

I have been using the Discover It cashback card for over a year now. I and my friend got it almost at the same time. He recently told me that he received a retention offer from Discover : 3 % additional cashback on all purchases upto {$2500.00}. I asked him how he got it and he explained the process in detail. I called in Disccover customer service to check if I have similar offers but the representative said I dont have any offers on my card. I requested if there is lower valued offer available but she confirmed I have none. I told her that I have used the card responsibly in the past one year, I have used the card so much that I had maximised all the 5 % rotating cashback categories and aim to keep using the card. I have been a loyal member of the card by making no late or missed payments. My friend on the other hand uses the card less than what I do and has a lesser accumulated cashback than I do. The representative was apathetic and reluctant to listen and didnt give any offers to me. 

Not only this, my friend also got targeted offers from Discover during the first year .. a cashback offer on XXXX and another elevated cashback offer on restaurants. But I never receive such offers. 

The above incidents clearly represent motivated hate against me resulting in disproportionate discrimination.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (NY)

On XX/XX/2022 someone stole my identity to receive emergency services at XXXX XXXX XXXX XXXX account number XXXX. I have notified all parties that was medical fraud. But they can continue to harass me. Wakefield and associates also XXXX XXXX  lol llc. I have never been to Arizona in my life. I have always lived in New York XXXX. The original address used at XXXX XXXX  was torn down 10 years ago. The original creditor did not do there due diligence to verify the correct identity of there patient.
Consumer complaint received 2019-06-25
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: Santander Consumer USA Holdings Inc. (MO)

XXXXistheonlycompanytocontinuetoreportthisaccountinaccuratelywhichconstantlybringsdownmycreditscoreeachmonth,photoattachedandtheaccountmustbedeletedfrommyreportbecauseaftermultiplecomplaintsyouhavefailedtofixtheissue!
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: COMPUTER SCIENCES CORPORATION (GA)

Loan was opened in XX/XX/XXXX. Payments made monthly on time and never late. Final payment was made on XX/XX/XXXX. 

I have requested the title as well as a lien release form. Company is not responding. Websites ( XXXX ) is no longer in service. Phone numbers are disconnected ( XXXX ). 

In order for the state of GA to release my title to me, I need a regulatory agency to confirm this company is no longer operating.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

On or around XX/XX/XXXX Original loan debtor transferred her interest in the property to her brother due to her illness. On XX/XX/XXXX, Original loan debtor passed away. A probate was opened thereafter and an order naming maternal brother the Administrator was approved by the Judge on XX/XX/XXXX, which expired on XX/XX/XXXX, and reissued for the purpose of finalizing the Loan Modification. A modification was submitted on XX/XX/XXXX and approved for a trial payment of 90 days. Thereafter a final modification was approved on or around XX/XX/XXXX. 

However, the Mortgage Company : XXXX XXXX XXXX XXXX XXXX and/ or their agent Servicer : XXXX XXXX XXXX ; failed to respond to the proper notification of the probate court to place the mortgage within the Estates name, even after several notifications and follow up, phone calls from XX/XX/XXXX until present XX/XX/XXXX.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i was completely shocked when i looked at my credit report and found the late payments on the dates below XX/XX/2019 XX/XX/2019 XX/XX/2019 I AM NOT SURE HOW THIS HAPPENED. I BELIEVE I MADE MY PAYMENTS TO YOU WHEN I RECEIVED MY STATEMENTS. MY ONLY THOUGHT TO THIS IS MAYBE MY MONTHLY STATEMENT HAD NOT GOTTEN TO ME.
Consumer complaint received 2019-06-25
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: EQUIFAX, INC. (FL)

i obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon my credit report.
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I advertently paid my XX/XX/2022 house payment twice. I called my bank ( Fifth Third Bank ) on XX/XX/2022 requesting that one of the payments could be reversed, and the response from the bank was that they could not reverse it. Personally I believe that the reversal could happen, and that maybe it would take a couple of days to process for which I can understand. But to believe that this reversable is impossible on the banks ' part is hard to fathom. Requesting that CFPB kindly intervene on this matter and have this corrupt bank simply reverse the XXXX bones that I inadvertently paid.