davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Below a summary of the case, which involved financing on our new house in XXXX, VA, with Wells Fargo. 
I received an email about relationship discount XX/XX/XXXX. I made intend to get lower rate very clear on several occasions. I was targeting {XXXX in assets reducing our rate from 2.875 % to 2.75 % on a 20 year mortgage. 
I never received any details stating how and when the discount would be applied and it would have to be before closing Numerous time, I asked for more details, with slow or lack of response. When I was asked for more information, I always answered swiftly. During XXXX of XXXX, leading up to closing on XX/XX/XXXX, I sent numerous emails to get more information, but replies were slow or not existing. I had to follow up numerous times. 
I had sufficient funds on my Wells Fargo account on XX/XX/XXXX per the conditions of the relationship discount, more than 3 weeks before closing. I was asked though to provide a statement proving the funds was there, which I thought was strange given that my bank account is with Wells Fargo, who is also the mortgage lender. 
I provided an updated bank statement was provided on XX/XX/XXXX as requested. I only heard back on XX/XX/XXXX after following up, where I was told I didnt have enough liquidity. That was not correct. Wells Fargo, beyond the delayed response, had made an error in the closing statement and cost that I had to follow up on to change, and Wells Fargo referenced a system error. 
During all of the conversations, it was clear to Wells Fargo that closing was XX/XX/XXXX. At no time, I was told that the rate adjustment had to be made before closing. There was no urgency from Wells Fargo exemplified by the slow or lack of response. 
In a phone conversation on the day of closing, I was told that an error was made, and the lower rate couldnt be applied after closing. First time I heard about it. 
I submitted a claim to Wells Fargo, but they dismissed it. Their findings did not recognize the facts above. 
After, my Wells Fargo bank rep even recognized that I had enough funds on my account, Since Wells Fargo made the decision not to change my rate, I have called multiple times to clarify and left voicemails - no response.
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (IL)

Opened a credit card with XXXX XXXX XXXXXXXX XXXX  XXXX with a 0 % interest fee until XXXX of 2018. The account was sold to XXXX Bank and I completely paid it off in XXXX of 2018, months prior to the end of the promotional period. Somehow XXXX Bank managed to add fraud small fees each month following XXXX and continuously add late payments and falsely report negatively to the Credit Buruea. 
I called and spoke to a representative and asked to pay the amount in full including any accumulated interest until the end of the billing cycle. I was told in XXXX and XXXX by a XXXX customer representative that the individual who processed my payment in XXXX failed to add the interest for the remaining 6 billing days of the cycle. 
An amount of {$3.00} resulted in falsely placing me outside of the promotional period and the addition of late fees and false negative reportings to credit agencies. 
I spoke to multiple supervisors from XXXX bank each month and they apologize and waive all previous fees. The fact that they continuously waive fees supports my argument that my account was requested to be paid in full in XXXX. However, I suffer from the negative reportings and I want those unfair reportings off. 
This rated F XXXX bank is ruining consumers reports with fully paid off accounts and violating the FCRA.
Consumer complaint received 2016-08-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo HELOC, my 2nd mortgage, is denying me a repayment plan or an arrears restart because I can afford the monthly payment. I had a hardship that is been resolved and now I am able to make my monthly payments and a workout is not being considered for me to get a fresh start to make my mortgage payments. My 1st Mortgage servicer has extended me a XXXX Trial period plan so I can get back on making my mortgage payments and Wells Fargo HELOC is not working with me on a mortgage workout because they say I can afford my payments, and this just does n't make sense to me. That is exactly why I need assistance because I can make my payment and they will not give me a chance to start again. I have been working on this on my own since XXXX 2016 and I reached out to a XXXX approved counseling agency soon after and am getting debt/financial management assistance and they are also helping me with dealing with these mortgage servicers. When calling Wells Fargo we get the run around, are always disconnected and not given clear instruction on how to re-submit my hardship package for another review since my 1st mortgage has extended me a trial period plan to begin XXXX/XXXX/16 and I am now over my hardship so can afford to make my mortgage payments again.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CO)

I applied for a refinance of a mortgage and 2nd ( HELOC ) in early XXXX of 2020. I went through the entire application process, credit reports were pulled, appraisals were pre paid, etc. and loan was approved. 

However in the middle of this process ( on XX/XX/XXXX ). I was told that due to COVID that terms are constantly changing and I was no longer approved for the refinance. So the refinance was cancelled. 

However, in this process Better Mortgage locked up the funds on my HELOC and my bank will not release me my funds until Better Mortgage notifies them. It is now mid XXXX and funds are still locked up. 

I have place calls in Better Mortgage and can not get it resolved.
Consumer complaint received 2022-04-04
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. (MO)

I have proof and I am aware that the credit reporting agency has and continues to violate my consumer privacy rights. An Identity theft affidavit was sent to the credit reporting agencies, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts are the result of identity theft. Pursuant to 15 usc 1681C-2 ( A ) these accounts should be blocked from my consumer report. XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  were also disputed several times. Pursuant to 15 usc 1681i ( A ) ( 1.A ) all disputed accounts are to be deleted while a full and complete investigation is being done. This never happened. The accounts were never deleted during the multiple disputes. I also have NEVER given any consumer reporting agency permission to furnish any of my information. According to 15 usc 1681b, a consumer reporting agency needs my consent. I did NOT give my consent.

According to 15 usc 1692k violators are liable for actual damages. Even after being informed numerous times that the information is incorrect and should not be on there, I have been injured numerous times from the consumer reporting agencies gross and negligent and willful behavior. These injuries include and are not limited to being denied of credit, my reputation has been ruined, loss of business income, XXXX and XXXX XXXX
Consumer complaint received 2019-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/19 a personal loan, account # XXXX from the american express national bank for {$14000.00} was sent to a XXXX XXXX  account that had closed earlier. the funds were returned to American Express and a new loan was to be issued. being a member for 31 years, never a problem before Then XXXX broke loose! my amex account has been suspended for non payment of this loan. credit rating severely impacted Because ... a third party involved in processing payments and refunds lost track of {$14000.00}!! 
American Express accepts blame for something that should never have occurred, BUT say it will take 7-10 days to clear my name, and possibly my credit score won't return to previous level. 
this is another online banking sham, ask XXXX XXXX, they are the pro 's
Consumer complaint received 2022-04-04
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. (MO)

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 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AK)

My legal last name is wrong on all three reports, address is wrong and Ive lived at my current address for almost four years. My jobs are not correct. Ive owned a business for over 6 months and have been working for said business since I started it. Ive had a account with XXXX XXXX XXXX for 6 months and havent been late on a payment ever, but I dont see that in my report. Funny how companies are so quick to report negative items but not the positive ones. Broken system if you ask me.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (SC)

XX/XX/XXXX I paid an Escrow Shortage it was NOT credited to my Escrow acct they credited it as an EXTRA PAYMENT and they did not correct that error. I rec 'd XX/XX/XXXX's payment statement and due to the fact that they did not correct the XX/XX/XXXX error the payment was lower then it should have been but I paid the XX/XX/XXXX. amount which they said I owed. They did not credit that properly, they credited that as an EXTRA PAYMENT and have not corrected that error. Then I rec 'd XX/XX/XXXX 's statement and paid that and again it was the wrong amount. Again they credited it as an EXTRA PAYMENT. They have not corrected that payment neither! The bank called me and left a message for me to call that bank. I returned the call ... .. the woman I spoke with told me I had NOT paid XX/XX/XXXX 's payment and that I was way over due on it ... ... I told her I had in fact paid it and I gave her the date of which I paid it and the check number, They STILL have not given me credit for that payment I have gone to my local branch bank and the branch manager there has also attempted to get this corrected she is not having any luck neither.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (MA)

I have a bank account with PenFed and I received a call about charges that I didn't authorize. I told them that some of the charges I did not OK, They canceled my card and sent me out a new one. There was around {XXXX} charges that I told them they where not authorized by me. I then received a letter from them telling me that they will not give me back the money because they spoke to the company that made the charges and they said that I did ok them so they will not be able to refund the charges. I don't know who or were I can contact the company. I can only see a couple of letters for their name and no phone number that I can call.
Consumer complaint received 2022-04-04
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. (DE)

This is the second complaint that I have had to file against Experian for attempting to re-age accounts and delay deleting accounts that have reached the 7 year statute of limitations. Experian has removed all Dates of First Delinquency from the accounts on my record that have reached the 7 year Statute of Limitations. I have attached a copy of my credit report from XXXX, 2022 and my current credit report. These actions are again FCRA laws. I want these accounts removed from my credit file immediately.
Consumer complaint received 2022-04-04
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)

1. NO inquries were authorized by my siguture or verbal consent ; 2. Repositories have neglected to show proof of signature on either the inquiries/loan applications, which has been requested ; 3. Repositories failed to demand proof of my signaure on inquiries/applications within the allocsted 45 days ; 4. Repositiories accepted written explanation of inquiries/application without any backup to show proof even though I challened on several occassions ;
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NJ)

The Company EOS/CCA called on XX/XX/2022 about a Ultities bill four years ago for {$1300.00} and I never received anything in the mail. I Specifically ask the Rep to send me documentation like signed contract or other information to verify the debt as I am a Victim of Identity theft and I do not know of such account. Instead of sending me the requested information require by law when a consumer request it.The company put the collection on my credit report without providing the information needed to verify the debt. As a victim of repeating identity theft situation with on that occurred last year. I should not have to continue to dispute information that is not mines on my credit report. Below is the Company information. They have violated my rights. This needs to be off of my credit report. 

EOS/CCA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES (FL)

i sent a letter to the debt collector to stop harassing me as this account was opened fraudulently and has been charged off. credit reports are available upon request to serve as proof.
Consumer complaint received 2022-04-04
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2021-02-15
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. (GA)

THERE IS A BUNCH OF INFORMATION ON MY REPORT THATS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OF UNVERIFIABLE OR REPORTING OF INFORMATION I BELIEVE IS DUE TO THE EQUIFAX DATA BREACH IDENTITY THEF. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL FINANCIAL OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR THE OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES, AMOUNTS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT! TO INCLUDE REQUIRED THE METRO2 SYSTEM!
Consumer complaint received 2022-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Dear representative, I sent a debt validation letter two times in XXXX and one time on XX/XX/XXXX and each time this company failed oto validate my debt. 

I also contacted them numerous times via email to say that this debt is being incorrectly being reported on my credit report under a tottaly differnet name then my name. 

Sincerely, XXXX
Consumer complaint received 2022-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX TransUnion Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$10000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

My Broker and I contacted a manager at Freedom Mortgage on XXXX/XXXX/XXXX asking about if they would be sending the XXXX Tax payment in. We were told that it was to be mailed out on XXXX XXXX, XXXX, upon which we told them that that would cause it to be late. I told them that I would go and pay it so that my loan would be able to be closed. I did and have copies of the paid receipt from XXXX XXXX XXXX XXXX office and also the front and back of the check. I contacted Freedom Mortgage on XXXX XXXX, XXXX and told them that I had paid the taxes personally and they said that they mailed the check to the tax office on XXXX XXXX, XXXX. I contacted the tax office on XXXX XXXX and they had not seen anything from them. I called Freedom again on XXXX XXXX explaining the situation again and this time was told that they see there was a stop payment put on the payment and to give it 14 days. I called the tax office again today XXXX/XXXX/XXXX and they still have not seen anything from this company. I have sent XXXX emails, with no response, but have received a letter from them on XXXX XXXX and again on XXXX XXXX saying that they are reviewing the information that I provided. The loan closed on XXXX XXXX and they have been paid in full. I just want to get my {$1500.00} back that I overpaid. I feel like I 'm getting the run around. They have had everything they need to resolve this issue. 
Thank you,
Consumer complaint received 2019-04-11
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2019. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (IN)

On Thursday XX/XX/XXXX my ex-boyfriend XXXX XXXX had stolen my purse containing all of my credit cards and my identification. He got gas at XXXX and here in XXXX Indiana went to the casino in XXXX and withdrew all of my money I probably reported this to current to lock my card however they didn't block it and he was able to take more money out and he also went to XXXX 's. I reported this on XX/XX/XXXX and they denied my dispute as of yesterday XX/XX/XXXX that is not enough time for them to properly investigate this. When I asked them for evidence that they did their due diligence and their judicial responsibility they denied sending me any documentation to validate their decision. This isn't fair at all. I would also like to add that I inform them that I banned from the casino all casinos no matter what state so therefore I can not get past the door and I submitted documentation that I am banned.
Consumer complaint received 2022-04-03
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. (MI)

Contacted equifax to dispute incorrect information. Dispute was updated information but failed to update credit report. Contact equifax about credit report and score not correctly updating and they opened a complaint. No changes have been done no score or report updated. Score is listed as poor yet all other credit reports are updated with proper scores and information. My score hasn't change in almost 6 months and they can't explain to me why. I have no derogatory marks no late payments nothing and yet they can't update the information or explain anything to me.
Consumer complaint received 2020-09-15
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)

XXXX  and Experian are fraudulent on my credit : XXXX   XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (TX)

I receive a letter today ( XXXX XX/XX/2018 ) dated XX/XX/2018 thanking me for my request to open a new Citibank account. I did not apply for this account and don't want any financial service from Citibank. This was a fraudulent application. Please see the attached scan of the letter ( XXXX XXXX - Citi Bank XXXX ).