davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

The offending company is Equifax. Equifax had the security breach a year or so ago. Because of that they offered me a year long security program for free. HOWEVER they have been charging me {$9.00} per month. When I first tried to deal with over the internet and I tried to cancel my account their computer says " you have a free account '' then it says " goodbye '' and hangs up! I tried calling customer svc and have waited on the phone for more than an hour - twice w/o an answer. When I did a chat I got someone right away however they gave a link which would not or could not get me an answer - meanwhile they are still collecting my money ( because you had to give a credit card to start the free svc ). My suspicion is that they are doing this to others as well to recoup some of the money they lost over the security breach. It seems my only recourse is to cancel my credit card.
Consumer complaint received 2018-05-03
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

I called and spoke with a CFPB Representative on XX/XX/XXXX regarding the above complaint filed with CFPB. We spoke at length about my problem with a Reverse Mortgage Agreement entered into with Wells Fargo Bank in XX/XX/XXXX that was transferred to XXXX XXXX the first of XX/XX/XXXX. At the time of Initially applying for a Reverse Mortgage through Wells Fargo real estate representative XXXX XXXX, located in XXXX XXXX, Idaho, on or about XX/XX/XXXX, I went through a training session with a Community Action representative in XXXX, Idaho, in order to acquire the loan. Before the loan could be implemented, the training certificate had already expired. I had gone to California for a visit. Wells Fargo was in a rush and required me to sign the loan in California, though the property was in Idaho. They sent a notary to my friend 's house to get my signature on documents, who failed to show me the details of each page I was required to sign. Though the home I own is on five acres, in the process of acquiring this loan on my home, I was goaded into providing an additional parcel of land of another five acres. This additional land is a separate tax entity and is not included in the tax payment on my land. Regardless the loan documents were drawn up to include 10 acres. Taxes are always paid as a separate entity. The appraiser appraised my home and verbally told me the appraisal was {$370000.00}, an appropriate amount of the reverse mortgage was never funded, and the additional amount of land Wells Fargo would own was tacked on later. I endured the situation through the recession, but near the end of XX/XX/XXXX Wells Fargo notified me that another company, XXXX XXXX, would be taking over my reverse mortgage.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

I called Equifax to get a change of email address to my credit report & got XXXX, XXXX said I would be able to access my report once she completed the change. I can not access the report with the old or new email at all. The old address is XXXX with a user ID of XXXX. The call took 48 minutes with her stating there is a latency with her system repeatedly, but when asked what that meant, she merely repeated the phrase. Since I can not log in at all now, something has been blocked that needs to be cleared. The inaccuracies are still not seen by me because of access.
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc (NY)

The Bad Guys are Paypal!!!!!! Thank you for contacting us about your recent PayPal XXXX XXXX transaction in the amount of {$74.00}. 

We are researching the transaction but need you to send us the following statement, in its entirety, to assist with the dispute : Please reply by XX/XX/XXXX. You can simply reply to this email, send the information to XXXX, or fax it to us at XXXX, Attn : DC Chargebacks. Make sure that you include XXXX in your subject line or on the coversheet. 
Transaction Date XX/XX/XXXX, Transaction Amount - {$160.00} USD, Merchant Name XXXX & XXXX XXXX  XXXX - Transaction Date XX/XX/XXXX  Transaction Amount - {$22.00} USD, Merchant Name XXXX XXXX XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$11.00} XXXX, Merchant Name XXXX XXXX  XXXX XXXX NY - Transaction Date XX/XX/XXXX, Transaction Amount - {$14.00} XXXX, Merchant Name XXXX FILL XXXX XXXX NY - Transaction Date XX/XX/XXXX, Transaction Amount - {$67.00} USD, Merchant Name XXXX XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$12.00} USD,  Merchant Name XXXX XXXX HA - Transaction Date XX/XX/XXXX, Transaction Amount - {$9.00} USD, Merchant Name XXXX XXXX # XXXX XXXX - Transaction Date XX/XX/XXXX, Transaction Amount - {$3.00} USD, Merchant Name XXXX XXXX XXXX XXXX  also have to pay out {$75.00} in late payment fees in all of my bills and utilities and student loan payments and car payment along with rent! because the bad guys shut the account because i told them the truth! 

*I did not authorize the following transaction : XX/XX/XXXX XXXX {$74.00} *The transaction is unauthorized because : From The Bad Guys
Consumer complaint received 2022-02-17
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. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

Citibank 's Best Buy card claimed I was late on paying a bill - they had not sent me a bill and, as a result, I thought the small ( less than {$400.00} ) was paid. I received no notification from the company about a bill or an impending payment, as I do from all other companies. Then the company notified me I was past due by 30 days - throughout that 30 days, I wasn't notified. I immediately made a payment for the entire balance and asked that they remove the derogatory report from my credit bureaus. They complied. They removed the derogatory report from my credit reports and also reversed the late fee. I now have a credit balance on the account. 

They then, for some reason, reversed the changes they made. They reinstated the derogatory report - the only one I have ever had in my life - for no stated reason. They have not reversed the late fee, so I still have a credit balance.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX  points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My name is XXXX XXXX XXXX and the inquiry stated below is unfamiliar to me. Therefore, the furnisher was unauthorized to pull my credit report. 
Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. 

XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION (NC)

When my ex-husband left me ; he left the BB & T account in a negative balance. At the time I had no access to the account. I was only a signer. I had my own personal account at the time. I received notification that my personal account would be drafted unless the account that my husband used was paid off. I immediately took head and begin to pay this account off. I paid {$20.00} a week for almost a year to get it cleared up. I took care of the account ; paid it off in hopes that everything that needed to be done with this account was clear. I managed to keep my personal account in tact. 
Early XX/XX/2018, I tried to open up a new account ; I couldn't open it because of this old account. The reason was that this account was closed and charged off by the contributor, in whole or part and or account abuse. 

This is the primary reason why I can not open a new account. I filed a dispute in XX/XX/XXXX, it was updated as paid BUT the reason did not change. After explaining this to BB & T and potential banks ; THEY STILL have not updated it correctly. I feel at this time ; this negative should be removed my consumer report ( XXXX   XXXX XXXX and XXXX XXXX ).
Consumer complaint received 2022-02-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (TX)

On XX/XX/2022 escrow closed on my home located at XXXX XXXX XXXX, XXXX, XXXX  XXXX. Within that week I went to PHH MortgageXXXX website to confirm it was paid in full and it was. I also put a forwarding address as to I was waiting on my credit for my escrow account in the amount of {$4500.00}. PHH mortgage proceeded to send my check to the corona address even after I had updated a forwarding address. I found this out on or about XX/XX/2022. The agent then told me she would stop payment on that check and reissue it to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX. She stated The check would go out the next day or XXXX XX/XX/2022, at the latest. I waited approximately a week, XX/XX/XXXX, and called to verify that the check was indeed on its way to the new address, I was told yes it went out at the end of XXXX. On XX/XX/XXXX I called PHH mortgage again and let them know that I still had not received my escrow payout and I was informed that I should " Give it a few more days '' Now it had almost been 2 weeks so I asked for a supervisor. I spoke to him and we agreed I would give it to XXXX, XX/XX/XXXX He would give me a call that day to confirm I received the check, and if not he would cancel the check again and overnight a new one. I never received a callback. On XX/XX/XXXX I called asking for a supervisor and now was informed that they have to wait 10 days for the turnaround process then they would overnight me a check. I felt now I am getting the run-around and they have no intention of sending me a new check. Again I asked for the person above him as this is not acceptable the check has obviously gone missing its been 3 weeks since it was mailed. All other correspondence that I have received from PHH has had no issues reaching my home and they were all sent in XXXX so how is this possible? They are refusing to send me my check it is very simple to just overnight it I am constantly told that someone will get back to me I just want my money that is owed
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Consumer Finance, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my Capital One credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.
Consumer complaint received 2022-02-17
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. (GA)

I have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files.

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 ) XXXX XXXX Co ( Account number XXXX )
Consumer complaint received 2022-02-17
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 have two collections on my file. I contacted the companies to settle the debt and received an agreement to settle and remove the items from my files. 

I provided this information to the credit bureau and they removed the balance only. They did not remove the item from the file. 

The items in question are : 1 ) XXXX XXXX ( Account number XXXX ) 2 ) XXXX XXXX XXXX  ( Account number XXXX )
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My problem is with Bank of America. I have filed a complaint with them, and my claim number is XXXX. I have complained to OCC and my claim number with them is : XXXX. I filed a complaint with my local police department, XXXX XXXX  in XXXX, to XXXX XXXX. The file number with the police XXXX is XXXX. The address of the XXXX is XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX The detective'snumber is XXXX. 
My complaint is that my credit card was charged {$2000.00} and {$500.00} respectively on XX/XX/XXXX and I noticed the charges on XX/XX/XXXX. The bank has not sent the new card. They sent a replacement cardthat now expires XXXX. This is the second time that I have had a serious problem with Bank of America. A few months ago, one of my checks was laundered and cashed in Bank of America. The check was for over {$6000.00}. It was very hard to get closure. My other bank, on which the check was drawn, made things right.

Please look into this bank 's practices. Please help me.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/18 I was searching for travel tickets trough American Express travel program. I planned to use points to purchase tickets, since I have a large amount of points available. I found a travel itinerary that was exactly what I was looking for. It said that they had 9 tickets left and I needed 5 tickets. When I tried to book it, it gave me an error and told me to search for another ticket. I tried to connect with the chat support online and got disconnected twice. I called the customer services and they offered me the same travel itinerary for XXXX points more for each ticket. I argued that it was not fair that they advertised one price online and wanted me to book the same itinerary for a much higher amount. I chatted online with 2 people and spoke with 3 people  over the phone. I spent almost 3 hours on the computer and phone. I didn't book the travel tickets through them as they didn't honor the prices they posted. I am a customer for years and have a business Platinum account ; yet they were unable to honor what they advertised.
Consumer complaint received 2018-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In XXXX of 2017 I received a disaster relief loan from XXXX XXXX XXXX XXXX. They advertised this loan as one that did not depend upon credit worthiness and had a low interest rate. I had problems from the beginning and based off of conversations with other consumers who received this same loan, their unfair treatment towards me was racially motivated and they were biased. Without my permission they pulled my credit and denied the loan initially. I had many a heated conversation with employees and finally managers about XXXX pulling my credit without my consent. A high level manager approved the loan and told me they would be removing the inquiry from my file immediately. That never happened. I am fighting now for two reasons. 1. They need to remove the illegal inquiry from my account immediately! The agreed to do so during the process last year, but have yet to do so. 2. They are in violation of the Fair Credit Reporting Act and other laws at this time. I became ill and unable to pay my bills for a few months. Instead of following the law, this evil disgusting vile company has been reporting inaccurately on my credit file making it impossible for me to obtain housing! I have tried relentlessly to work with them, even offering to pay all of what is owed or pay many bills in advance and put the rest on an automatic withdrawal system so I can get housing. They have refused. They are the ONLY company that has refused to work with me. This is a DISASTER RELIEF loan! My credit was not used to get me the loan. They can not legally report. Looking back, perhaps this was their plan all along. If people are in need of disaster relief perhaps they may fall behind and this was their illegal way of making sure it got paid. XXXX had no interest in helping people. They were interested in getting money! At any rate they only treat their customers of color in this manner and I want justice ... Immediately! Thank you.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (WA)

Explanation of complaint : Convergent Outsourcing Inc. is intentionally misrepresenting data in violation of the FCRA ( https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act ). 
This is a clear violation of the law. 

Collection Agency ( COI ) Must supply all of the following documentation in an accurate and truthful manner. 

1. Original Contract 2. Pay Off Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance COI is fraudulently " re-aging '' debt for the purposes of damaging credit in attempts to manipulate and coerce consumers. ( What is re-aging and can it harm your credit report? Re-aging is the term used when a debts status changes in credit reports to make them appear as a new debt. Unless a financial institution is the one doing the re-aging process after a payment agreement has been established, neither the original creditor nor a debt collector can re-age a negative account. 

No matter how many times a delinquent account is transferred or sold from a debt collector to another, the date of first delinquency should not change. Doing so is a severe violation of the Fair Credit Reporting Act ( FCRA ). ) COI has been contacted regarding this matter and has been unresponsive.

I request assistance in requiring COI to adhere to legal and ethical requirements including : 1. Deletion of the derogatory entry in any and all future reporting to any and all credit reporting agencies. 
2. Supply me with all of the required documentation as required by FCRA listed above ( numbered 1-6 ) 3. Supply complete documentation regarding all entities with whom this collection action has been transmitted to so that correction and dispute actions may be completed.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Transaction disputes were submitted on the website of bank on XX/XX/2020. The total amount of disputes is {$4900.00}. I have spoken to several representatives regarding on my account including the debit card dispute department after realizing that I was scammed. Bank was provided with email chain which includes all the details of the scam. Bank denial the full dispute after knowing the fact that it was a scam.