davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

We paid off our mortgage on XX/XX/2018. We sent a wire transfer, as requested by the mortgage company, in the amount of {$24.00}. Our payoff statement stated this was {$4.00} for principal and {$20.00} for a recording fee. At that time we had an escrow balance of {$890.00}. On XX/XX/2018 {$20.00} was removed from our escrow account with the descriptive reason being " partial payment ''. This lowered our escrow balance to {$870.00}. The escrow account was for home owners insurance only, as we pay no property taxes due to my rating as a XXXX XXXX XXXX veteran. If our loan was paid in full, as well as the recording fee, what was this {$20.00} payment for? I contacted the mortgage company 3 times in XX/XX/XXXX via telephone to inquire why the {$20.00} was removed and what it was for. Each time I was told my inquiry would be forwarded to the correct department and I would receive a written response in approximately a week. No response. I sent two secure messages from my account on their website requesting the same information, one on XX/XX/2018 and one on XX/XX/2018. Each time their response was " XXXX XXXX Your secure emailed message is currently under review. We realize the urgency of your inquiry and we appreciate your patience. We will have a written response to your concerns. Should you have any questions, please feel free to contact our office at Toll Free XXXX, Monday through Thursday XXXX XXXX. to XXXX XXXX, Friday XXXX XXXX. to XXXX XXXX Pacific Standard Time. 

As of today, XX/XX/2018 I have yet to receive a reason for this {$20.00} being removed from escrow. It is now been over 2 months from my initial inquiry. I need to know why this {$20.00} was removed.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MT)

I am following up on my previous complaint XXXX-XXXX. 

This case was closed without any resolution or official response from Wells Fargo Bank. 

My claim of fraud regarding the refinance of mortgage with Wells Fargo is valid and legitimate and I need an official written response to my claim. 

Wells Fargo has failed to provide this and will now return my phone calls. 

Thank you in advance for your assistance!
Consumer complaint received 2018-11-07
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: Innovis (KY)

I attempted to purchase a home and the lender pulled a hard inquiry on XX/XX/18. He told me later that they might do a soft pull for some items but would not be doing another hard pull. On XX/XX/18 both the lender and the agency they work with did hard inquiries. I was never told there would be two on the XXXX and was told they would be soft inquiries. My loan was ultimately denied ( they texted me to tell me- no call, email or any documentation ). I am not happy that three hard inquires came from this.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery XXXX. 
Reporting Opened XXXX. 

Account was charged off By XXXX XXXX  XX/XX/XXXX. 

Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting. 

I called Dispute department at Portfolio on recorded line. Told he the issue. 
She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt. 

She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong. 
Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job. 

Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2018 I was charged a fee of {$120.00} to my XXXX XXXX XXXX Business account for a tax levy by the state of California . I had been working on a payment plan and the Franchise Tax Board mishandled my account and did not process my paperwork. After speaking with an agent at the Franchise Tax Board I was able to have them send a release because this was an error on their part and get the payment plan submitted. 

I called Bank of America who holds my account to verify the release and request the refund of the {$120.00} because XXXX the Franchise Board agent told me she would be sending that release yesterday. They had received it. After confirming receipt I asked the fee be waived because it was an agency error same as a merchant error. I did everything I was supposed to. The agent got extremely aggressive with me. She stated that I needed to get the {$120.00} from the California Franchise Tax Board. I explained that they would not refund a fee that they did not collect. And usually when this is done in error to a client banks have been obliged to refund that fee. I told her I understand if it is a normal levy that was done properly. But this was an admitted mistake by the agency. Also in the past Bank of America has waived these mistaken levy fees before. She became more hostile and disrespectful in which a that point I asked for a supervisor. 

I was transferred to a gentlemen named XXXX who was very polite and stated that even though the Franchise Tax Board was at fault and this does happen a lot including to him. That the bank would not refund the fee. This is an issue of principal because had this been any Merchant or other company mistakenly charging my account I would have received a refund. Instead I was insulted, disrespected and told to ask the agency who did not charge the fee for a refund. 

I believe this is a fee hungry bank that is escalating abusive fee practices when a client is still charged for a mistake by a government agency.
Consumer complaint received 2023-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

AMSHER COLLECTIONS SERVICES, INC. has failed to provide necessary request to validate any alleged debt owed to them by the Estate of XXXX XXXX. Not only are they in violation of [ 15 USC 1692g ], they are attempting to do business in a Florida which is a State that they are not licensed to operate which is in violation of [ 15 USC 1692e ] This company has violate consumer law.
Consumer complaint received 2018-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

OnXX/XX/XXXX I was contacted by a man claiming to an officer. He stated I was involved in a crime and I needed to send him {$8000.00} by wire transfer. A wire transfer was set up on my account. On XXXX I decided to go to XXXX Bank in XXXX where the wire transfer was set up. I told them what happened and was told they would stop payment and the receiving bank, Chase would catch it. I was told by XXXX Bank they would contact Chase Bank to let them know this is fraud and not to allow it to be processed. 
OnXX/XX/XXXX we went to Chase bank was told the wire transfer was pending and but they had to go through before they were able to refund the money. The Fraud Dept. stated the process to stop the wire could take three to five business days. They advised that they would debit the fraudulent account and refund my account within 7-10 days. We contacted Chase continually to refund the money and they did not return our calls or refund the monies.
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (IL)

When i left from XXXX i sent all 3 devices back aith a tracking number. They confirmed that they received them, i paid my last bill and they said my balance is XXXX. After 2 years or more i got a letter from a debt collector for over {$1100.00}.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (MD)

I recently received a MasterCard in the mail from XXXX XXXX Bank. The card was issued through the XXXX XXXX XXXX XXXX XXXX XXXX. While renewing my XXXX XXXX XXXX membership, I was asked if I wanted a XXXX  XXXX  MasterCard. My response was NO. I was asked if I was sure that I didn't want a XXXX XXXX MasterCard. My response was YES I'm sure I don't want a credit card. The customer care representative never said anything else to me about the XXXX XXXX MasterCard while she was processing my renewal. 

Approximately 1 week later, I received a XXXX XXXX  Bank MasterCard in the mail. I called XXXX 's customer care number and was told that I had to talk to someone locally at the store. I tried calling the XXXX 's and was never able to speak with anyone on the phone. I went into the store to speak with a manager on XX/XX/2018 around XXXX. The manager first told me to call customer service. I informed her that they told me to talk to someone locally at the store. She smiled and said ; Oh, she just hit the yes button by mistake. I told her that the associate never told me that she mistakenly hit the yes button and that I didnt think it was funny or comical. 

I told her that it is illegal for them to run my credit without my permission and issue credit debt in my name. For all they know, I could have been in the process of trying to obtain a home loan, car loan, home refinance loan, etc. and having a new inquiry and/or new debt could have caused me not to get my loan. She acted as if it were nothing and a very small thing. She told me she was just the shift supervisor and that I had to file my complaint with the general manager XXXX XXXX who is on vacation. I have tried reaching out to the XXXX 's several times to speak with XXXX XXXX and have not been able to get through. I also attempted to contact someone at the corporate office and was unable to locate any working contact information. 

My credit is good, and thankfully, them pulling my credit and offering me more debt did not gravely affect me. However, they really could have put me in a bad position and cost me a lot. They are giving their employees rewards for opening up new credit accounts and their employees are committing fraud on XXXX behave to get them. This is not right and unfair to the unsuspecting customers.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth third bank is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Fifth third bank to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Fifth third bank did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am requesting Fifth third bank to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be by email, mail, any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ect.. This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this derogatory reporting removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} ) for every update, post, report made since its beginning.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-11-07
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. (ID)

I disputed the account with the credit bureaus as " not mine '' but it recently came back as verified ... .I never had an account with XXXX   XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (FL)

We got pre qualified in XXXX to by a home before we made a offer. We signed a contract to build a home with a finish date of XX/XX/2018. We have given the mortgage company all the documents that they requested.. We were promised a interest rate of 4 1/2 % with eather a 7 or 10 year balloon and a 30 year amortization. We have requested repeatedly a written approval letter and as of today still have not received one. Our contract with the builder clearly states that we need a commitment letter by XX/XX/XXXX. After many repeated calls to XXXX XXXX with Cross Country Mortage we would get the same answer, I will let you know by Friday. Monday XXXX called me and said that he got us a interest rate of 5 1/2 paying 1 point. He then said that he would check with another lender to get me a better rate and would call me tomorrow. Still no call. He did get his boss who I think is Vice President of the company involved. In a conversation with him about a week ago he told me how hard they had worked on this loan even getting us a second appraisal from a friend, because they did not like the first one. Now nine days to settlement we still do not have a definitive answer. The stress of dealing with this company and XXXX XXXX has caused me many major health issues including a XXXX XXXX and having to go to a XXXX XXXX. I am now scrambling to find Mortage money elsewhere 9 day before settlement.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (IL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2016-04-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Sunset Management, Inc (GA)

I received a marketing letter from Sunset Finance about a loan offer in the mail. I needed money quick for immediate living expenses and decided to contact Sunset. Big mistake, these guys are loan sharks. I did not realize the interest rate was 87 %, what a rip off and a way to take advantage of someone who fell on hard times. Now they are calling my friends, family an colleagues 2-3 times daily, leaving voicemails and triple-dialing my work phone. I sent a cease and desist letter and still getting calls disrupting me at work. These collection practices are unethical and unnecessary. I let them know I was in a car accident but does not seem to matter.
Consumer complaint received 2019-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center (GA)

premier student loans said that i was gon na recieved help to pay my students loans. this company claim to provide service handling all the paper work for you and making a flat fee of {$30.00} dollars a month after 4 payments of {$230.00} dollars. the first payment was for their fee and after that everything else was gon na go to my students loans payments which never happen. I tried to talk to them and asking for my money back and to cancel any other future charges to my credit card but they dont want to give me my money back. they lie to me my students balance is exactly the same and 1 year of their service, federal students loans have not received any payment whatsoever. they told me they would fix it and nothing, i want my money back and report them for their fraud.this is the name of the first person i talked to. 
XXXX XXXX PREMIER STUDENT LOAN CENTER Direct XXXX
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: REGIONS FINANCIAL CORPORATION (CA)

On XX/XX/2018, I attempted to withdraw the sum of ( XXXX   ) from the ATM on XXXX XXXX XXXX XXXX CA XXXX   using the Comdata card provided to me. And the amount of ( XXXX ) was the only thing dispensed, but it debited me ( XXXX ) not only once but twice the ATM displayed an error on the screen. I went to customer service in that store and I was advised that I needed to contact Comdata to work it out with them since the atm was not theirs and that they had nothing to do with it. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a dispute would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018 after not hearing from anyone, i called them and they said that by the XXXX i would get my ( XXXX ) refunded back in my account i called on the XX/XX/18 since it was already XXXX and nothing apeared on my account and so i was told that if the next day i didnt recieve anything to call again.. I was provided a case number and was told that I had to write to them to get any additional information, which I did. And. So i checked the next day and nothing on my account i called them again and now they said that that kind of dispute could take up to a month so i had to wait. On XX/XX/2018 i called again because i still havent gotten refund my money and they escalated the case and told me to wait 24-48 hrs. Its now XX/XX/2018 and still nothing these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this. I need some assistance to get my payroll funds back to me immediately. Im tired of waiting i think i have waited enough time already