davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (NY)

I made a purchase on XXXX for an XXXX XXXX of {$400.00} and XXXX as a company is connected to XXXX for payment. I initially paid {$420.00} with the additional {$15.00} fee for using XXXX as a service. This was done on XX/XX/XXXX, however on XX/XX/XXXX I received an email stating that I was going to be refunded the {$400.00} dollars from the seller XXXX XXXX around XX/XX/2019, but on that day I only received the {$15.00} dollars back from using the XXXX service. In order to remedy the fact that I was not receiving a phone from the initial buy, I proceed to buy another phone for {$380.00} and received it on XX/XX/XXXX. In attempts to call XXXX, the number I found as the customer service number was XXXX which ended up being a scam and they said to refund the money I would have to buy XXXX XXXX cards. First, they said that I would simply need {$100.00} for international hackers, so I brought two XXXX play cards both worth {$20.00}. Then they ask that I buy 3 cards worth {$100.00}. While I read the pin on the back of the XXXX XXXX XXXX the representative on the other line would type the numbers/letters into a computer system. Next, they told me to buy one {$500.00} card for security measures of my account and to combat the last glitch for my refund. Then after I read the pin number on the back of the XXXX XXXX XXXX the phone was disconnected and I was no longer able to make any calls. I found my girlfriend and ask to use her phone and the representative explained that since the phone cut off the money would stay in the server. The phone number was XXXX and again he explained to me and my girlfriend that if one more {$500.00} XXXX XXXX XXXX, I would receive {$1400.00} back. Out of frustration, I proceed to buy the last card of {$500.00} using the money out of my savings and once I read the last pin for the XXXX XXXX I was transferred to the refund department where they asked me to provide my billing address. Then again the representative of the refund department ask that I would by another {$500.00} card to complete the refund. After this, I hung the phone and research the number to find out that it was not the customer service number for XXXX and it was already reported for fraudulent activity. At this point in time, I have lost {$1400.00} dollars due to this situation and the money came out of my savings. XXXX directed me to file a complaint to XXXX ; however, previous to this I did not have a XXXX account and it was not required to purchase the phone. On XX/XX/XXXX XXXX refunded me for the original {$400.00} that was lost, but Im still waiting to resolve the {$1400.00} lost through the XXXX XXXX XXXX. I contacted XXXX on the situation and I was told they have opened an investigation on the matter.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated XXXX XXXX Balance : {$2000.00}.
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: M&T BANK CORPORATION (MD)

My complaint is at M & T, we ( me and my husband ) have a personal loan them. For XXXX  months now, they have messed up our loan for XXXX. We only have one loan through them and they have created XXXX loans with different interest rates plus now with second loan they have us listed as late on payments and also has now listed this with credit bureau at late and I can not get any new credit. I have talked to them several times to straightening it how and they have still to it. I talked to XXXX different ppl there and they aware of the problem and they promised to straighten it out. The problem is with the interest rate. One says XXXX and other is XXXX. Someone needs to correct this it's been like this ever since the loan
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX We started a short sale with Loan Depot on XX/XX/19. After having to send them the short sale package multiple times, Loan Depot has come up with a list of items that are laughable. 

They are demanding a notarized copy of the broker 's license for the listing agent. This is one of the most absurd requests I have ever gotten having done over XXXX short sales in the last 12 years. The XXXX website has a complete and updated list of all licensees, and is free to anyone to look up. The XXXX no longer gives out a hard copy of a license. What does Loan Depot want exactly??? There is NOTHING to notarize. What do they want a statement saying I printed this off the internet??? 

Ridiculous. On to the next problem Apparently LoanDepot doesnt like the way the XXXX XXXX gives out their military orders. They have demanded the XXXX XXXX sign the orders that the homeowner printed off the internet SERIOUSLY? It was explicitly stated in the hardship letter that the short sale is being requested due to a military transfer AND- a copy of the military orders were sent to LoanDepot multiple times. Does the XXXX XXXX know LoanDepot is treating their servicemen and women like this? 

Since LoanDepot has only recently come into servicing loans in a short sale situation, we have seen disturbing trends in their document requests. These are happening on EVERY SINGLE FILE WE HAVE WITH LOANDEPOT. It is  apparent to me that they are currently exceptionally unqualified to be in this industry. They do not have any knowledge of Californias Bills, Laws and Statutes, and this is required if they are going to do business in the State of California. 

I want them fined the maximum of $ XXXX and for them to undergo training to learn how to properly service their loans. If they are not able to perform according to California State Law, then they need to be banned from doing business in California. 


CC : For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (TN)

On XX/XX/2019, I applied for a work at home position with the company XXXX as an employee to make {$12.00} as a customer service representative. As part of the hiring process I submitted a background check on XX/XX/2019 with the consumer reporting company Checkr.

I was informed on XX/XX/2019 of pre-adverse action notification due to information on my background report. I wrote a dispute letter to the company Checkr by email requesting a re-investigation of my background report information as it is inaccurate as there is a pending Petition to Expunge one of the misdemeanor offenses on the report and for there to be an update showing the correct and accurate status of the offense. I also attached copies of my notarized paperwork as I did not receive file marked copies. The lack of file marked copies is a reason for my re-investigation request as well.

On XX/XX/2019 the company responded stating that the will do no further investigation nor re-investigation as the information they have gotten is accurate.

The company 's refusal to re-investigate not only violates my rights but also violates the laws set forth for them to accurately comply and re-investigate upon notification of such discrepencies. Furthermore the actions of Checkr failing to re-investigate also caused the company to further evaluate and make their adverse decision on the basis of the inccurate reporting of Checkr.
Consumer complaint received 2022-02-01
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. (CA)

Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I received at my home address a Wells Fargo mailer offering a {$300.00} bonus to open a new checking account. The issue is that the first name on the mailer is unknown to me but the last name and address are correct for my home. I am the original owner of that address so no other names can be associated with the address. 

I contacted Wells Fargo in an attempt to ensure that no current account existed and that no future account could be opened using this name and address combination. All I was able to ascertain was that no account using my SSN was currently open. 

Given the history of Wells Fargo opening 1.4 million fraudulent accounts I am very concerned that there is a potential for identity theft or other fraud possible from this mailing. 

I want to know the source of this addressing information used by Wells Fargo and I want to ensure that no account using this name and address combination can be opened with Wells Fargo.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Setup " bill pay '' with XXXX, for mortgage held by 5th3rd Bank. Have regularly paid each and every month from the beginning, YEARS ago. Long ago, I had it set up for payment the XXXX of every month, due the 'guaranteed ' 30th of each month. This year, like three out of four years, XXXX had 28 days ( Yeah! ). BUT this year XXXX hit me with huge penalty when they cashed payment on XX/XX/2019!!! They won't listen to reason, despite the same thing happening every prior year that had 28 days in XXXX, without a problem or a penalty.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (NV)

Someone applied for something in my name and I CALLED the customer service department and did not help remove the negative inquiries that are reporting ON MY CREDIT REPORT XXXX XXXX XXXXXXXX experian, XXXX, XXXX XXXX XXXX experian, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN
Consumer complaint received 2019-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP (NY)

My situation involves Key Bank, XXXX. XXXX, in XXXX, XXXX XXXX There have been numerous phone calls that have gone unanswered. When I was told I would get a return phone call first thing in morning, I cancelled engagement to be available. Upon checking, I was told Place was a zoo..by the manager. 
I brought another interested party to the bank..since phone calls were insufficient. We spoke to XXXX XXXX who originally handled the transaction on XX/XX/XXXX We needed to wire money to complete real estate transaction. Besides my funds in different accounts in Key Bank, we presented check for XXXX. 
We were told we had to wait a few days for check to clear. I decided to use line of credit since time was of essence ... but I wanted it paid off in full as soon as check cleared. It was deposited in my checking account. On XX/XX/XXXX I deposited an additional XXXX since I was soon to leave for our new home in Florida. I asked teller and XXXX XXXX to make sure loan was taken care of. They assured me it was. 
I left for Florida on XX/XX/XXXX. Got a phone call from XXXX XXXX asking what I wanted to do about loan. I was shocked ... but not turn back. Asked her to please take care of it and send transaction copies to me. 
When I returned and opened mail I could not understand transactions. Two of us in XXXX 's office heard her say she mad mistake but couldn't rescind resulting {$290.00} charged as interest. I asked to speak to manager. She was busy. I again was told she was unavailable ... and phone call was answered by third person who apologized for Place being a zoo and I should get an answer in a week. Of course ... no answer came. 
I have been with this bank for over 50 years..it has never been so unresponsive. 
I appreciate your intervention. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Y. XXXX
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Thus will be the last complaint because you now can clearly see that experian is deliberately keeping my score low to try and push credit cards. In the documents provided you can clearly see they wiped out XXXX XXXX of on time never late payments to XXXX now they say XXXX is pending and need more payments
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

On XX/XX/2019, I was notified by a credit monitoring service that a collection was added to my report by XXXX XXXX/ Capio Partners for a medical collection from XX/XX/2019. I called the number and asked what this was in reference to. The employee explained the debt and I told them I never received anything from their company regarding the debt so I could dispute. The employee stated that I was not notified because they did not have a valid address on file and was unable to reach me by phone. They asked could they confirm the address and phone. I gave her accurate information. I told them they could not add to my report without giving me a chance to review and file dispute. She stated they were sorry and I could pay the debt and have account deleted from report. I paid it so it could be deleted ; however, I never was able to dispute it. I have no idea what I paid and if it's mine. I do not recognize the original company ; however, I was desperate to have it removed so as not to interfere with my credit. I have paid debt, received no receipt or confirmation of deletion as promised via email. Company never gave proper notice nor chance to dispute and continue to report debt as owing and on my report when promised to delete trade.
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

The debt was made back in XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off XXXX of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX. The collection is XXXX
Consumer complaint received 2018-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (GA)

The debt was made back in XX/XX/XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off two of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX The collection is XXXX
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC (NY)

XX/XX/XXXX i saw an account in my credit report from Security Credit Services. I called to inquire they said it was a XXXX account belonging to my ex wife of which i was authorized user. I ask for info to call XXXX and i file a dispute with both company because i never had any joint account or was i any authorize user on her account. They said they mailed the info to me, any way i check my report again and the account was removed, so i left it as that. Late last year the account returned to my credit file, so they deleted it to prevent me from disputing it and put it back hoping i would n't notice the put it back. i called security credit services again spoke to XXXX XXXX every time i called they were transferring the call straight to him. He ask me if i file a police report i said no, you never send the info. i went to the station to file a report they told me i need teh account number, name of who open the account, when the account was open and close and the address where the account was open. I called XXXX XXXX back told him what they said i needed he said he would send it. And when i call XXXX they 're telling me they don ; t have any record of sending my name to collection and they do n't have any outstanding account with my name on it. XXXX XXXX said they returned the account to the original lender i called XXXX, nothing i called back he give me a number for another collection agency saying they bought the account from them. And they kept giving me one store after the next. Today XXXX/XXXX/XXXX i called still trying to get the info on the account spoke to XXXX again she 's telling me the account was returned to the original lender, saying they did send the info to the address where the account was open when i give XXXX XXXX my address to send the info. I hang made some more calls and call again this time XXXX said the account is pending to be returned to the original. So they 're lying about who have the account and wo n't give me the info to dispute it with XXXX.
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have made payments to my student loans under the " Public student loan forgiveness program '' as I am a XXXX XXXX. I have sent in numerous employment verifications to this company as they have lost them. I joined the program on XX/XX/XXXX. to date I have made near 45 payments that are qualified which means according to the companies own website as, " The Public Service Loan Forgiveness Program is a federal program that forgives federal student loans for borrowers who are employed full-time ( more than 30 hours per week ) in an eligible federal, state or local public service job or 501 ( c ) ( 3 ) non-profit job who make 120 eligible on-time payments. '' I have done this in full compliance and have attached the payments made to XXXX XXXX   since my loans were transferred from XXXX XXXX to XXXX XXXX in XXXX. Prior to this I made the qualifying payments through XXXX XXXX which I have been unable to obtain thus far as XXXX XXXX will not get back to me with the calls I have made requesting my payment details, and the web site will no longer allow me to log in since my account is no longer active with their company. My qualified payments need to be updated and I have attempted for the last year and a half to work with XXXX XXXX to get this updated and they are incompetent in performing their duties. please assist.
Consumer complaint received 2016-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (TX)

My wife and I purchased a new construction home in XXXX XXXX. LenderLive serviced the loan including escrow through XXXX and at the beginning of XXXX, XXXX Mortgage took over servicing the loan. In XXXX XXXX, XXXX Mortgage performed an escrow analysis and found that there was a shortage of {$25000.00}. We contacted LenderLive about the shortage and they admitted that XXXX escrow analysis should have been done during XXXX, but none were performed. To correct the shortage, our monthly payment will go from {$2200.00} to {$5700.00} for a 12 month period and then to {$3500.00} going forward. After contacting LenderLive and speaking with multiple customer service representatives and a Director, they admit that there was no escrow analysis performed when there should have been, yet the Director says that it is not their responsibility to adjust the monthly payment in a timely manner to avoid such large shortages. We have tried to contact the Vice President of LenderLive, but our call has not been taken and voicemail has not been returned. We are now trying to negotiate with XXXX Mortgage a reasonable payment plan to pay off the escrow shortage.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

Less than a year ago Citibank lowered my credit limit for some reason so I called asked why got an answer I didnt agree with. So I closed to acct I ask the individual if there were any pending charges he said no. Later on down the road come to find out there was and I was charged late fees snd interest on them. Filed a XXXX complaint they fixed the charges but wouldnt correct the late payments on the later fees/charges they credit to the account.
Consumer complaint received 2020-07-30
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: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.