davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

my complaint is with XXXX XXXX XXXX  company I made a loan one time and encountered an abuse.It was XX/XX/XXXX when I went to make a payment with cashiers check endorsed as XXXX XXXX XXXX a lady at the counter refuse to accept the payment because it was not written as XXXX XXXX XXXX, it was written as XXXX XXXX XXXX.if did not have time to change the office would be closed for four days they would charge me late fee and the bank would charge more fee for not having suficiente fund.This my first loan after I paid it with no even late one day one month later I received a letter notice of data breach.So that induced me to get loan in order to alieviate from someone using my information and get a loan until I do some thing to prevent identity theft.So when they gave me the contract I saw that the score was XXXX, but the next day when I checked my score was XXXX.And this was intentional falsification to XXXX up the score.Then on XXXX XXXX XXXX I wrote them a letter how we can solve the situation and never received an answer.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Elite Mortgage Funding inc (MI)

Hello, I am writing to complain about the services rendered by Elite Mortgage Funding - Company NMLS : XXXX. 
The process was pretty smooth until we reached the end of the loan. 
My credit score dropped because I missed a payment on 1 of my CC 's - which is now fully paid - and adversely affected my credit score. We wait a month for my score to go back up, however it did not go up enough. 

The real issue is that the Banker at Elite Mortgage Funding locked in a higher interest rate ( 3.75 % ) without my consent. This has led the mortgage refinance to fall through because, apparently, at current terms, it is not profitable for them!! EXCUSE ME! 
Why have I been working with the same company for 4 months, sharing all my personal information, delaying my mortgage and CC payments per their advise. 

The actions of this company have adversely impacted me and my ability to refinance my mortgage. Not to mention, delaying my mortgage payments per their instruction has also negatively impacted me. 

I am very dissatisfied with the level of service from Elite Funding and will NOT recommend them to anyone. This was a waste of my time, they lock in the rates without advising with clients and then disregard their approval commitment when it doesn't suit the - shame.
Consumer complaint received 2022-07-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX at XXXXXXXX XXXX  XXXX XXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$6500.00} the collection has been reported as pas due balance. I do not know this company. I have never done business with this company. This company does not have any contract with my signature. 

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 15 U.SC.C 1681B ( A ) ( 2 ) - No consent is identity theft
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

Sent {$250.00} to a XXXX user for an agreement to exchange for concert tickets on XX/XX/XXXX. User ensured tickets were transferred, so I initiated the XXXX transfer. Got a notification from XXXX that the funds were accepted. User said tickets werent coming through and that he would call XXXX. User did not send tickets and would not send money back although requested by me several times. User did not follow through on his end of said agreement and is essentially committing fraud and a scam. Payment was provided, but the goods/service were not provided OR consumed. 

Called Wells Fargo to initiate a claim and they told me the charge was still pending to the other users account and that they might be able to let me file a claim tomorrow ( XX/XX/XXXX ) after XXXX, but a claim has not been able to be filed yet.
Consumer complaint received 2021-06-03
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. (UT)

XXXX XXXX XXXX is violating my rights under FCRA section 605b, by reporting fraudulent transactions to the credit reporting agencies. They have report-XXXX, they are violating by reporting balances that were a result of fraud. Please remove all reporting of this business account from my credit reporting profiles immediately. Attached is the valid and active police report from the XXXX XXXX police department.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (NC)

My account was past due in XXXX however I bought it current in XXXX, XXXX and XX/XX/XXXX. I paid over {$1000.00} dollars between XXXX and XXXX of XXXX however on my credit report it reads " Past due for XXXX and XXXX of XXXX. I keep my recents and went back up to the store and showed the head manager in XXXX and she said " once you make the payment it is out of our hands. '' She looked at the receipts and acknowledged that the receipts that I was showing her were indeed not past due. SHe knew this because she saw that the due date was the XXXX of every month and she saw that payments were made on the XXXX of each month. She then advised me to call headquarters which I did but they insisted that I was past due even after I had told them that my wife had called in XXXX in XXXX and spoke with a representative about the same incident and this representative told my wife, " Yes ma'am I see where you made the payment before the due date so I will fix that right away! '' When I looked back on my credit report the past due for XXXX was deleted. XXXX came first as past due then XXXX which is impossible because the receipts show that several payments were made in XXXX and XX/XX/XXXX. Headquarters did nothing even after I emailed them my receipts to them.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capstone Credit & Collection, LLC. (NJ)

I called the collections facility to inquire about the debt, I spoke to someone by the name of XXXX XXXX, I needed to update incorrect information and ascertain knowledge as it pertained to the debt because there is things within the debt owed that is very questionable i.e. the amount and date reported and who the debt was acquired by, also to assure it had been updated to reflect the correct date of debt and also to advise this debt acquired is questionable. Upon hello I was being baited into a arguement, then after being verbally abused, I asked to speak with a manager and I was advised the manager does not speak with XXXX @, This establishment lacks professionalism and I am very concerned about this agency having my personal and confidential information. To no avail I am no further in realms of resolution than I was intially. However, to be verbally abused when trying to ascertain information that is on file with a company as it pertains to my name is totally obsurd. I tried to contact this establishment several times, however when they see my number they hang up immediately. I require assistance as to how to proceed with this mom and pop shop. Any assistance that you can provide would be greatly appreciated.
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I attempted to transfer money from my Chase bank account to my friend 's XXXX XXXX account though quickpay operated by XXXX in the amount of {$690.00} on XX/XX/XXXX. The funds never reached her bank account and her bank never received information regarding an attempted quickpay from me. On XX/XX/XXXX, the status of the quickpay was funded. The status of the quickpay has been 'delayed ' since XX/XX/XXXX. I spoke with my bank numerous times at branches and via telephone. They will not cancel the transaction or refund me the funds until a claim is settled. I filed a claim XX/XX/XXXX and it was denied XX/XX/XXXX. I was only informed it was denied on XX/XX/XXXX when I called to check on the status. The claim was re-opened when the person I spoke with realized that I had transferred money via quickpay to the same person ( same email, phone, etc ) on XX/XX/XXXX and it was completed within 5 minutes. They are now claiming that XXXX never sent the funds to my friends and that they are not at fault. They have refused to give me a credit while they figure out why XXXX never sent the funds to my friend because it is an online transaction not a debit card transaction. I have been told that I must wait another five business days for someone to evaluate the issue. I have called almost every day since XX/XX/XXXX because I continued to receive a different response each time. Initially I was told that that my friend would receive the funds with 3-5 business days. Then I was told that they would cancel the money transfer and I would get my funds back on XX/XX/XXXX. Then I was told that after 10 business days that the money transfer would automatically cancel if it isn't completed. None of these things have happened. I was also accused of using the wrong email address which is not true. I am at a complete loss and I do not understand why they do not want to give me my funds back.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

About XXXX of XXXX, I signed up for a Bank of American credit card. I transferred a balance to the card and waited for a statement to arrive. The first statement never arrived, and I figured this out after the due date. When I did, I called them up and they said that I had missed my payment. I signed up for their website so I could pay online and paid that day. However, they reported a late payment to my credit report. I called and told them that they can not report a late payment since they never sent a statement. They couldn't confirm whether a statement was sent or not, but they said I could try refuting the report with the reporting agencies, that they had no other recourse for me. I did that several times with each agency and each time they stated that they found no error in the information. I'm considering a defamation suit, this is the only negative mark on my report and I have never been late on a payment in my life! This is not a late payment because they never sent a statement and it was the first month so I had no idea where to send my payment to or when it was due. Bank of America should be shut down, they are clearly committing fraud.
Consumer complaint received 2018-05-09
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Ocwen was sent a request for payoff amount of reverse mortgage on XX/XX/XXXX. Ocwen has not responded to this request and will not address the issue when phoned by myself and the escrow title company. Ocwen has made an extra {$370.00} in interest in the time they have delayed in producing a loan payoff amount. 
Ocwen does not seem to be interested in my satisfying this loan.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MA)

XXXX XXXX is listing a debt that is over seven years old and has been removed from my credit report. They are listing it as a new debt as of XX/XX/2018. I have attempted to dispute it via my credit report and they validated falsely stating that it is a current debt. Again - this is a debt they purchased that is over seven years old.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX XXXX XXXX XXXX requested my credit report and it was considered invalid reporting the last 4 of my social and birthday being invalid for XXXX. 
XXXX was contacted, no valid solution was given.
Consumer complaint received 2019-10-07
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. (NM)

Please see attached exhibits regarding Equifax Information Services LLC. 

In XX/XX/2018, I suffered a credit file breach that resulted in numerous fraudulent credit applications in my name and using my personal information. The fraudulent applications were reported by the 3 major credit reporting agencies ; XXXX, Equifax and XXXX.

These fraudulent inquires were eventually corrected and deleted by the 3 reporting agencies, except one item by Equifax, that has NOT deleted the fraudulent inquiry. 

My letter and subsequent exhibits are spelled out in the attached PDF file
Consumer complaint received 2018-05-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

On XXXX XXXX on XXXX and XXXX there is a collection agency that is trying to collect a debt for a payday loan i did not open from a ad astra recovery service on behalf of XXXX XXXX opened on XX/XX/XXXX i have tried to call debt collection agency numerous times to no avail. I have also filed a police report XX/XX/XXXX for identity theft thru XXXX police dept. This is not my account. I want it taken off my reports as well as a negative collection account. They also have an email listed on the account i never used. XXXX XXXX XXXXXXXX XXXX i never used that email i use XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-05-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services (TX)

For over months now Integrated Services has called and i kept telling to send me legal documents on how to solve this matter and they do not.

They call me and threaten me and yell/curse at me.

They also call me work and gave them my information and how i owe so much money.

They have called family members and did the same Which is illegal!

I have called back to tell them to send me documents or anything to show this matter but they do not they just continue to call and harass me at work and my family members.

They even said they filed at XXXX County and I even called there and they said there is nothing under my name or the case number that i have.
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc (KS)

Received multiple letters & phone calls from Creditors Service Bureau regarding accounts belonging to myself & my wife. Have asked repeated times for verification of debt, asked for debt to be removed due to no debt verification, no recollection of debt etc.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PNC Bank N.A. (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WY)

My business checking account with US Bank had 2 disputed charges from the same merchant, the first charge was handled properly but the 2nd charge was not handled properly by US Bank ( they submitted the dispute incorrectly and kept closing it for reasons that had nothing to do with the dispute ) and now they are refusing to do anything further on it. After numerous phone calls, speaking with supervisors etc they are stating they are past their timeline to do anything further. I have advised the 2nd dispute was not handled properly from the beginning by their side they need to resolve the issue. They refuse, citing they are past the time line where they can do that. I have given them ample opportunity to resolve the issue and they refuse.
Consumer complaint received 2018-05-09
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. (GA)

I have several issues with the XXXX  credit reporting agency. I have contacted them on several occasions regarding these issues. I have requested documents that show my signature on these accounts on three occasions and they refuse to produce any from the creditors. 

XXXX XXXX XXXX accounts # XXXX, # XXXX. These two accounts have exceeded the statue of limitations for the state of Georgia and they refuse to delete them. The accounts are closed and paid in full. 

XXXX XXXX XXXX # XXXX ( XXXX Bank Nevada ). They refuse to produce any documents with my signature on them for this account. The account is now seven years old and they keep updating the date ti record it. 

XXXX XXXX Bank # XXXX same issue as XXXX XXXX XXXX. 

These four accounts should be deleted from my file.
Consumer complaint received 2021-05-27
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-10
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. (CA)

XXXX Credit Card incorrectly put a 30 day late payment on my credit report. After discussing this with that creditor, they agreed to fix it. They told me they put in an update to all credit bureaus. Both XXXX and XXXX has already fixed it.

However, Experian came back and said it was verified. So, I had the creditor mail me a letter for physical reference. I submitted this 3 times to Experian and they refuse to correct my report. They come back as " verified '' even though it's not.
Consumer complaint received 2018-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have lodged disputes with Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I responded to a direct mail invite code in XX/XX/2018 inviting me to open an account with Wells Fargo. If I were to perform 10 transactions per month of {$1.00} or more for 3 consecutive months. On XX/XX/2018 I received an email entitled " Update to your recent personal checking requirements '' which revised this offer, stating : " You will now be required to make 30 total debit card purchases/payments of at least {$1.00} each, posted within 120 days of account opening, no longer requiring 10 transactions of at least {$1.00} each month for 3 consecutive months ; we have extended the time period for you to make the 30 transactions. '' I'm including a screenprint of this email as an attachment. I complied to these new terms and conditions and performed over 30 transactions over {$1.00} within the first 90 days of account opening. I followed up via Wells Fargo 's secure email service to ensure everything was completed successfully and was told I was not eligible for the bonus because I did not complete 10 transactions per month for 3 consecutive months ( per the original terms, not the updated terms ). Email and Phone support personnel were not able to find record of this update to the terms of the offer, and did not have a means for me to forward this email. I did copy/paste the contents into their secure email service, but I was told I was still not eligible for the same reasons. Further, I was told that I can not have received such a bonus in the last 12 calendar months as an additional reason that I was not eligible. While I have received a similar bonus from Wells Fargo in the past, this occurred more than 12 months ago. My deposit accounts were closed more than 12 months ago as well. Further, the original materials sent to me did not contain a reference to this 12 month requirement, it was communicated after the fact via email, which is deceptive. I let it go at the time because I was aware that my last occurrence was more than 12 months prior. After over a month of following up by email and phone and being told ( incorrectly ) that I was not eligible for varying mixes of these reasons, it became clear to me that Wells Fargo did not intend to make good on their offer. I closed the account out. I'm disappointed by this behaviour.