davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

This incident happened back in XXXX of 2022, I had just opened my Citibank bank account and I mobile deposited XXXX checks from my employer. Keep in mind these checks have my home address and my name. The first check was of {$300.00} and they cleared it a couple days after. A week or XXXX after, I deposited my second check ( from the same employer ) of $ XXXX {$1200.00}. They didn't give me anything available and later that day my account was frozen due to supposedly fraud. I tried calling customer service multiple times telling them the situation and asking what's going on and they would click on me or sometimes they wouldn't even answer. This caused me financial hardship. I was late on my rent and on my credit cards and even my car payment, which all caused my credit to drop XXXX points. I also received a letter from them on XX/XX/2022, stating that they were going to send me my money in a check in XXXX days from that date, til this day I still have not received anything.
Consumer complaint received 2022-03-04
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (TX)

I began talking to XXXX, an AAG Rep about a XXXX XXXX in XX/XX/2021. I was consistently mislead by him about whether or not my house would qualify for the XXXX XXXX. XXXX would dismiss my concerns, talk over me or make misleading statements. Do you have big holes in your walls? Was one of his most used questions when minimizing my concerns about the condition of my house. I never should have spent the {$590.00} for the appraisal and more than {$200.00} for the Counseling fee. I read about the requirements on line, attempted to discuss them with him, and my concerns were dismissed. I was consistently confused and worried. He was the expert. I feel I was intentionally mislead throughout the relationship which lasted until XXXX. In addition, XXXX knew I had been declined and did not tell me even though I asked him to email me as soon as he knew something. I received a letter in the mail. I can not understand why he was keeping me hanging on unless it was to get me to spend more money on a new appraisal. Retirees who are looking for financial assistance should have someone honest and trustworthy to help them. This was definitely not my experience with AAG. I could not afford to lose all that money.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

This check was cleared without my endorsement. This was done through Wells Fargo 's " mobile deposit. '' I have made many phone calls to XXXX regarding this issue, and they acknowledge that this should not have been deposited without a signature by both parties at the bank. 

They verbally acknowledged that this is a " loop-hole '' since it was done through their mobile deposit system during the beginning of the pandemic. 

They have never sent me a written statement regarding the outcome, only a verbal statement by their employees that I will have to take the party to court.
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (GA)

I mailed a letter to XXXX on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX Reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. 
Send me a copy of my credit report once you have done my request. 
My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept XXXX stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (WA)

On XX/XX/2018 I made a payment of {$150.00} to creditor XXXX XXXX, In. XXXX XXXX XXXX # XXXX XXXX TX XXXX www.XXXX. For an XXXX XXXX XXXX account. I paid the account in full and have a letter stating this account is settled. 

Six months later I got a letter from Receivables Performance Management stating I owe for the same XXXX XXXX XXXX account. I called to inquire and they advised me it would be taken removed, and it was XXXX XXXX XXXX that sold them the account again. As time passed I noticed Receivables Performance Management put a negative mark on my credit report for an account that was already resolved. I was confused because I provided proof of payment to Receivables Performance Management, and they advised me it would be removed. I called them again, and they advised me it would be removed from my reports in 30 days. I was given by XX/XX/2018. I checked my report after 40 days and it was still on my report. I called them back and they advised me it would be taken off in 60 days. Every time I call it's a different time frame. It still hasn't been taken off my report. When I filed with each credit bureau, each result came back with Receivable Performance confirming it was accurate information on my report. I asked for a copy of the phone call recordings, they advised me or security reasons they couldn't give me a copy. 

Receivables Performance management XXXX XXXX XXXX XXXX XXXX, WA XXXX.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

My American Express credit card offers rewards that can be used in its travel portal, when one selects the desired travel offers, in the end, it charges a higher price, about 20 % than the one offered. I check with other cards portals and they do everything right. 
I bought an air ticket XXXX, XXXXXXXX  to XXXX, XXXX the price in dashboard was {$980.00} after i selected it i was charged for {$1200.00}
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Monterey Financial Services LLC (FL)

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX  ( MONTEREY FINANCIAL SERVICES ), XXXX, XXXX XXXX XXXX never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.
Consumer complaint received 2023-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

I am begging for someone to help me. I need help desperately with Loan Care. I went through XXXX XXXX and they use Loan Care for their mortgages. This issue has been going on for almost two years and I can not get any help. When I re-mortgaged with XXXX XXXX, I was set up for automatic payments to loan care. The first few payments went through no problem. Then a few months later, I noticed I had a lot of money in my account. I investigated my account and figured out that Loan Care stopped taking out my mortgage payment. I contacted them immediately ( about XXXX of XXXX ). I was told that I had to pay XXXX to catch up before they could take another payment from me. I told her I do not have that kind of money, but could pay a few months. She told me I had to pay the XXXX, first. I then found a company called XXXX XXXX XXXX and spoke worked with XXXX. I was told while they were working on fixing the issues that I would not be reported to the credit bureau ( which they did ). Finally in early fall everything was in place for me to start making my payments. I decided to pay through my bank since the last time they made the error and stopped taking out the money, mind you they never called or emailed me to inform me of the issue. So I made the XXXX and XXXX payment ( XXXX ). In XXXX ( XXXX ) I made another payment. I noticed that the payment was returned. I called my bank and they said that Loan Care put the money back in my account. I called Loan care and was told that I did not need to make payments yet. I told her that I made one in XXXX and XXXX with no problems. Why is there an issue with a XXXX payment. She said to make the payment in XXXX when they start. I did make my XXXX payment and XXXX payment ; they now have reported me again as no payment and charged me fees! I wrote them a letter to try to get my credit report fixed and to get my fees back! It has been almost three months and they keep giving me the run around. Last week I sold my house and the re-mortgage was for XXXX, at closing they took XXXX plus extra from me for all the fees and missed payments. I am very confused how they can keep doing this! I now can not rent a place to live due to the fact they have reported me as not making payments for over a year! I need help to get my credit clean up as well as get my money back for all these missed payments that are NOT my fault. Please help me. I recently read reviews of this company and so many people have issues with them. Please help me so we can stop them for doing this to others. I am at a loss at this point. I am so irritated that companies can do this and get away with it. I have owned XXXX homes and have NEVER missed a mortgage payment. This mess is totally their own doing and not one time have they reached out to try to contact me to let me know there was any issues. Please help me!
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MS)

Sams Credit closed my account without my knowledge during the process of a payment being made. They never tried to reach out to me by phone, email, or mail that there was a problem with my payment they just closed out my account without a warning. Very suspicious and I am detecting some type of identity theft and this sounds really fishy that they would do that.
Consumer complaint received 2022-03-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (MO)

I opened an account with Veteran 's United Home Loans around XXXX. I did not follow through with opening a loan that that time. About a month ago I contacted Veterans United to proceed with applying for a home loan. I was attempting to login into my account and kept receiving an error message stating " Incorrect Email Address or Password ''. I spoke with the technical support team and was informed that the email " XXXX '' was the email attached to my account. I informed them that this email was not mine and I had no relation to anyone named XXXX XXXX. The technical support team reset the email on my account. I then logged in with my email " XXXX '' and my password. I successfully logged in to my account. The account required verification of my last 4 of my social security number. I entered my last 4 of my SSN and received an error message stating that the last 4 of my SSN were incorrect. I again called the technical support team and was told my account had to be reset. They reset the account. This issue was re-occurring for weeks, until yesterday afternoon, XX/XX/XXXX. I successfully logged in to my account yesterday afternoon and went to upload my required documents to move forward with preapproval for a home loan. Upon opening the documents tab, I found XXXX XXXX 's documentation. Her driver 's license was in my account, her VA document with proof of disability rating and VA entitlements was uploaded with her address and last 4 of her SSN was in my account, and her LES- Military Earnings Statement, with her full name, DOB , last 4 of her SSN, and all of her military information was also in my account. This is a violation of the Gramm-Leach-Bliley Act, Health Insurance Portability and Accountability Act ( HIPAA ) and Health XXXXnformation Technology for Economic and Clinical Health Act ( HITECH ), he Family Educational Rights and Privacy Act ( FERPA ), The Privacy Act of XXXX, The Servicemembers Civil Relief Act ( SCRA ), and many other laws protecting personally identifiable information, military records, credit and financial information/ documentation, medical documentation, and disabilities. I am greatly concerned with the negligence Veterans United has shown in protecting the information and privacy of XXXX XXXX information, as well as my own.
Consumer complaint received 2022-03-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (IL)

They said they wouldn't charge more than35.9 percentage and they are charging 399.564 percent. Plus when they quoted the amount it was made like they would adjust that amount because of what was in there written contract. They did not honor there word and I believe they false advertised. I have paid XXXX in 7 months for a XXXX dollar loan. Payments of XXXX and some change. And because they have me recordered as saying that I would make those payments I am not honoring my word. I feel like I have been lied and decieved and honoring word is a two way street
Consumer complaint received 2022-03-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XX/XX/XXXX, Capital One refinanced my auto loan from XXXX XXXX XXXX and I submitted my power of attorney document to facilitate the title transfer. From XX/XX/XXXX through XX/XX/XXXX, I did not receive communications from Capital One subsequent to the refinance date. I called customer resolution numerous times up until XX/XX/XXXX to ask why hasn't the paper work been completed. I was finally told Capital One has not received my title. I contacted the prior lender and was told Capital One never requested my title be sent and in XX/XX/XXXX Capital One received my title. 
Two weeks after that Capital One requested my vehicle registration which was sent in and was told the paper work is finally being processed. Now, on XX/XX/XXXX, Capital One sent me an email saying my Power of Attorney document was rejected and no explanation was given, I contacted customer resolution to get an address to file a Legal complaint because I don't understand after 5 months and counting my title paper work is not finished and I'm driving an unregistered vehicle. I need help getting Capital One to complete this refinance process and feel this process has been Unfair and Deceptive.
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MA)

Hello, I lived almost all my life outside of the XXXX in XXXX I just came last XXXX here. I tried today to get my free credit report since I got a credit card last month. They asked me about a credit that I took in XX/XX/XXXX, and a retail card I took in XX/XX/XXXX I do n't remember any of this transactions.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TN)

XXXX of XXXX, AR is improperly reporting a paid collection account on my credit report. Account number XXXX must be removed immediately and my credit score updated. They are intentionally sending incorrect information ( such as date of first delinquency ) that is wrong. I have disputed this item online, in writing, and with the furnisher of the debt. NO ONE is accurately validating this collection account as the DOFD is prior to the date of service. This is inaccurate reporting and must be removed immediately.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against Equifax for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. On XX/XX/XXXX I began my dispute process with Equifax, which has been XXXX of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Equifax only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. I sent Equifax numerous letters stating that what the collection company was doing was in violation of FDCPA laws and FCRA laws and they were reporting me illegally with no available debt validation. I have filed CFPB complaints against Collection Consultants in XXXX CA for illegally and fraudulently reporting onto my credit file with Equifax. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this account is absolutely in violation of that and I question the methods that Equifax is utilizing to verify consumer disputes.
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (MD)

We refinacned on XXXX XXXX, XXXX and paid off our mortgage with Seterus, Inc. We received an escrow statement dated XX/XX/XXXX stating that they owe us {$2000.00} for an escrow overage. As of today ( XXXX/XXXX/XXXX ) we have not received it. I have called numerous times ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). Everytime I call I get some one else and they state to wait anouth 7 to 10 business days. Seterus has obviously held entirely too much escrow and now will not return it. By law they should have returned it by XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX! Seterus, Inc. is a shady company. They are not honest. I beleive they lie to the consumer about returning funds. And they are obviously holding too much escrow for the motgages they hold. I have attached the final escrow account statement dated XXXX/XXXX/XXXX with my notes.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.