davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

Where to begin? This mortgage company is a nightmare from start to finish with NO interdepartmental communication. 
We went through the loss mitigation process with them and it was an experience I wouldn't wish on anyone else. We had to submit and re-submit documents several times because the Loss Mitigation Dept would receive something but not make it known to the Lending Department. The entire process took MONTHS and we had to call SEVERAL times for updates and to ensure that everything was still being processed as expected and we almost always got conflicting information. We signed our documents in XXXX, did not receive the new contracts until XXXX and the process wasn't actually finalized until XXXX! 
In the meantime, two major hurricanes effected our area. Our insurance company was a breeze and had an inspector out to our location within a week and we had a check for the repairs before the month ended. 
Cut to the next nightmare with Freedom Mortgage. We were told to sign and submit our insurance check so that they could issue the funds as the repairs were made. Again, lack of communication as we were not told anything additional. WE had to call SEVERAL representatives until finally we were told the remaining steps of submitting the repair affidavit, etc. We were told the use the website insuranceclaimcheck.com to manage our process and to request inspections to continue receiving repair funds. Without any regard for letting customers know, the website has suddenly stopped servicing the claims. Freedom Mortgage did not tell us a thing. I've called multiple times to see why our inspection has not been completed and each time it's conflicting information. One representative says we have an inspection for tomorrow but to call this XXXX number, another gives us a XXXX number to schedule an inspection, another says they need a W-9 and repair affidavit. It is quite possibly the most frustrating situation I've had the displeasure of dealing with. The hurricane hit almost a year ago and we are STILL trying to sort this all out.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00}
Consumer complaint received 2022-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (MO)

Tower Loans accused me of bouncing checks and having insufficient funds in my account. I have never written them a check and there is no transaction history in my account that they attempted to debit. I explained that this is a misunderstanding but they are now demanding that I pay them cash or by money order. I have offered to pay them in full with the condition that we use a debit or personal check because it is important to me to keep records. They have refused my offer and have been harassing me to make cash payments. I don't feel comfortable giving them cash because it seems sketchy and I don't want them to lose or mishandle my money. Also, I would like to keep records of my payments. They have been completely uncooperative, and rude, calling at night from random phone numbers, and threatening to take me to court. I just want to be treated fairly, settle this debt, and not be harassed.
Consumer complaint received 2018-11-16
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. (TX)

I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contact TransUnion, XXXX, and XXXX  in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to XXXX, TransUnion and XXXX. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX On XX/XX/XXXX I mailed another letter to Transunion, XXXX and XXXX requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX  for which they did not properly investigate the account either. XXXX XXXX  continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX  XX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to XXXX as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.
Consumer complaint received 2022-07-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NE)

I opened US Bank checking account with Promo Code " XXXX '' for {$200.00} sign up bonus for meeting one ofthe two following requrinments. 
" To receive a {$200.00} bonus open a new U.S. Bank Silver, Gold or Platinum Checking Package, and complete one or more direct deposits totaling at least {$500.00} or complete two or more U.S. Bank Bill Pay transactions of {$25.00} each within 60 days of account opening. " I did two bill payment transactions on XX/XX/XXXX through the bill pay section of the online banking user interface. 

I called the bank on Wednesday XX/XX/XXXX to check the status at XXXXXXXX XXXX  Central time. 
I was transferred to 3 different representatives. The gentleman I spoke to last said that I did not qualify as the bill payments I made were not classified as bill payment. 

I would like to bring to the notice that I did those payments through the bill pay section as they can be seen in my bill pay history in the attached screenshots. 

I have been wrongly denied the bonus and would like to request that the {$200.00} is deposited in my account at the earliest.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

XXXX XXXX XXXX reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late and this and untrue and fraudulent. My XX/XX/XXXX payment was paid on XX/XX/XXXX due to health issues with my husband. 27 days does not equal 30 days late. Since then I have paid my mortgage ahead of time to prevent missed payment when life circumstances arise. Select Portfolio states that XX/XX/XXXX was reported late to the credit bureaus because I was late in XX/XX/XXXX this is vengeful and fraudulent. I sent Select Portfolio several payments since XX/XX/XXXX that were well over my monthly, mortgage obligation. I do not understand how I can have a 30 day late when I usually pay more than what is owed. I will like the 30 day late removed from my credit report for XX/XX/XXXX.
Consumer complaint received 2018-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX, the collection agency for XXXX XXXX XXXX  is reporting that I have a missed a payment 4 months ago for an account they have been trying to collect for 4 years. Because I repeatedly disputed it to have it removed, they updated the information as if it's current and accurate information. It's damaging to my credit and reputation. 
Please remove the account permanently from all three bureaus. 
Thank you.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF HAWAII CORPORATION (HI)

I made an ATM withdrawal at a Bank of Hawaii ATM in XXXX, using my XXXX  XXXX XXXX card to withdraw {$400.00}. I put the card in and chose " FastCash '',  and then entered the amount and pressed enter on the keypad. But the machine only withdrew {$200.00}, charging a {$3.00} transaction fee. I agreed to a {$3.00} service fee for a withdrawal of {$400.00}, not {$200.00}. Thus I had to make an additional transaction to withdraw the remaining {$200.00}. If I had known I would be charged {$3.00} to withdraw {$200.00}, I would not have agreed to it. 

Here are the transaction details : BANK OF HAWAII ATM XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI BANK OF HAWAII XX/XX/XXXX #  XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (ID)

XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from Citi Bank ( South Dekota ) NA from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand XXXX XXXX XXXX XXXX. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I recently received a copy of my credit report. The credit report showed credit Inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put Inquiry on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NC)

In XXXX called Chase bank about a credit card I ordered and never recieved They explained an outstanding balance of {$280.00}, the I verified I did not make. They also informed me of a second credit card card of {$10000.00} that i verified I never opened. I spoke with the faud department to get it resolved. One XX/XX/2023 I received a call from the debt collector about these balances. They again referred me to the faud department. When notified of identify threat I also froze my credit score.
Consumer complaint received 2022-07-12
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: ALLY FINANCIAL INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX, Ally Financial, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX 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 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of American Credit Card Number : ending XXXX I would like to DISPUTE for the charge on XX/XX/2018 with XXXX XXXX in the amount of {$15000.00}. This letter is in regards to my DISPUTE for the charges listed below, for the services prepaid that I have not received : XX/XX/2018 XXXX XXXX XXXX NC {$15000.00} This transaction was used as partial payment to pay for the XXXX XXXX that will take place on XX/XX/2018 to XXXX, 2018 at XXXX. 

Please see my attached document for 1 ) my ticket to the XXXX XXXX XXXX 2 ) Receipt for the XXXX XXXX XXXX 3 ) Contract agreement for XXXX XXXX XXXX  The dispute amount of {$15000.00} was used as partial payment to pay for the XXXX XXXX  that will take place on XX/XX/2018. I was unable to attend because XXXX was shut down by the Federal Trade Commission ( FTC ) for being a scam and fraudulent company. 

I did not receive XXXX XXXX service from XXXX. I did not get to attend the XXXX XXXX. I did not received the service indicated on the contract agreement for XXXX XXXX.. 

XXXX was shut down by the Federal Trade Commission on XX/XX/2018 and have been taken over by a Receiver named XXXX XXXX XXXX, please check the FTC website and the Receivers website for the latest updates. 

thank you very much
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DE)

I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.
Consumer complaint received 2022-07-12
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. (VA)

XXXX XXXX EQUIFAX XXXX ( 1 ) XXXX XXXX XXXX bought my debt and also since reopening this account on my credit report the the balance increased.Wviolation under 15 US CODE 1692c ( 2 XXXX XXXX XXXX XXXX XXXX did not have my authorization to run my credit ( 3 ) XXXX XXXX XXXX  Did not have my authority to run my credit. 

( 4 ) XXXX XXXX XXXX did not have my authorization to run my credit. 

( 5 ) XXXX XXXX Did not have my authorization to run my credit. 

( 6 ) XXXX XXXX did not have my authorization to run my credit. 

( 7 ) XXXX XXXX XXXX was not authorized by me to run my credit
Consumer complaint received 2018-11-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KS)

This has been going on a while with Wells Fargo. We were in two modification plans with Wells Fargo. On the first one had a great home preservation specialist, XXXX XXXX, she worked closely with us and understood would be making the payments by the end of each month of the plan. She was in contact in the event of any problems. The problem occurred on the last payment of the first plan. Our bank account got hacked and we had that payment bounce. We called XXXX right away and she spoke with her manager and then told us that could put us on another modification but would be dealing with another representative. We got set up on that modification. We got word of the new rep by the name of XXXX XXXX. She was of little to no help. Sent an email that was explaining that payments would need to be made weekly but would be there by the end of each month of the payment plan. She did not bother to acknowledge this email. Another more direct tone was taken and she responded saying that was still okay and she understood. In two other complaints, submitted paid receipts showing that all payments were in fact made. XXXX took what she told us was a payment needed before could get the final paperwork sent out that was for {$20.00}. We paid that and it cleared our account. Then we kept waiting for the paperwork and never got it. Received and email from XXXX XXXX, stating modification was denied. Additional paperwork would be sent to explain. XX/XX/18 received the paperwork but it made no sense to us. We had all ready showed Wells Fargo all the paid receipts. They supposedly received out CFPB complaints but due to work schedules can not speak with them. keep leaving messages for one another. A XXXX from the home office says they are reviewing. They have been reviewing the first one for over the allotted time given by CFBP. Asked for an extension and still have not been able to discuss due to work schedule conflicts with them and us. Sent a second complaint and now received in the mail letter from collection agency acting like we are giving up. The intention is to keep the home but feel like Wells Fargo is not the least bit interested in helping us do this. Continuing the process without even trying to make contact with us via phone or email is just not professional. We also received a check from Wells Fargo stating could not put to our mortgage in the amount of {$88.00}. We never made any payment of this amount to Wells Fargo. the only amount we paid was over the phone on XX/XX/XXXX for the {$20.00}. XXXX should have not taken the payment if there was any problem. She should have been in contact with us and helped to straighten things out.
Consumer complaint received 2023-04-07
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: ALLY FINANCIAL INC. (NY)

Ally financial and XXXX XXXX XXXX is reporting fraudulent accounts to my credit file. A police report and an FTC identity theft affidavit was submitted and the credit reporting agencies refuse to remove the fraudulent accounts after receiving proof the accounts are fraudulent. I ask that the credit reporting agencies cease and desist from reporting fraudulent transactions without true verification. Police report and FTC Report attached
Consumer complaint received 2018-11-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNTRUST BANKS, INC. (TN)

I had a joint account with my ex-wife for our son in Suntrust bank. I was the only one who put money in it and it was used whenever he wanted to buy something, regardless whom he was with. The ex did something that caused the joint account to go in the negative ( XXXX and change ). She claimed it was fraud, however, if it was truly fraud she would eventually be reimbursed. She began paying on the amount ( XXXX ), bringing it to XXXX. She stated she was going to leave the bank, which concerned me that the bank was going to take the money from me instead, when I had nothing to do with whatever she was doing. I spoke with the Fraud department and they assured me that they would take the money from her account to make it whole and I had nothing to worry about. The very next day the bank held XXXX dollars from my savings account that was used to pay taxes coming up. I again spoke with Fraud and this time they said they were going to hold my money for a short period of time ( about 2 weeks ). My ex then paid XXXX dollars on it and was told that as long as she pays XXXX a month they would leave everything alone and not take it out of my account. After the 2 week period, they released my money. I began the process of moving to another bank as I was disgusted with their attitude about it and after a day or two, they took XXXX from my account to bring the account to XXXX. I voiced my displeasure as to how the bank essentially assisted my ex in making me pay for her irresponsibility and they told me if I wanted to get the money back I would have to take legal action or get it from he ex.
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My disputes have been sent over a year ago for these collection account that are on my report still and now its XX/XX/2022 with no removals XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo is reporting a debt being charged off on my credit. I've been in contact with Wells Fargo to resolve this matter they have been unwilling to settle the debt or update my three credit Bureaus XXXX, XXXX and XXXX reflecting a O balance. 
I'm being held hostage by Wells Fargo Bank and discriminated against because of the way they are reporting this debt that they say they can't collect or update balance on my credit. I need to clear this debt up because of employment opportunities.