davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My loan was recently sold to Mr. Cooper from XXXX XXXX XXXX, I called and setup the payment on the account manually before the payment was due on Mr. Cooper website and waited for the payment to be taken out. Upon noticing the payment did not process and I called Mr. Cooper mortgage to find out the reason, they slapped me with {$30.00} charge for late payment due to the account not setup correctly. This seems like going ageist the regulation to charge fee for the first 2 months of the payment being setup regardless of who's fault. This seems to go against the Federal law in place to protect people from this nonsense when a new lender buys a loan for two months to sort these issues out. 
Really disappointment with Mr. Cooper Mortgage they started off on wrong foot, this is not about the {$30.00} fee but principle of serving people.
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (DC)

The company 's name is Affirm and I've attached their link below. 

On XX/XX/XXXX, I received a text message notification that I owe over {$200.00} for an XXXX purchase that was made in XX/XX/XXXX. I immediately called Affirm to report this as fraud because I did not make any purchase from XXXX during that time. Affirm assured me that their XXXX XXXX would handle my fraud claim and they would resolve the matter in XXXX business days. They also assigned a claim number to my case - XXXX. On my first call, they told me that I should not make any payments. I specifically asked if my credit score would be impacted, to which they responded No.

Unfortunately, Affirm did not resolve my fraud claim and they have been sending me repeat text messages and emails every day for the past 2 months. I called them today on XX/XX/XXXX for an update to learn they still haven't resolved my case. I asked once more if my credit would be impacted and this time they said Yes. I asked to speak with a supervisor and was denied that right. I also asked if my case can be expedited and they could not give me a clear answer. 

This is extremely frustrating and I do not want me credit to be impacted by a fraudulent loan that I never requested. 

The support team has been very unhelpful and they appear to be understaffed. I am in need of assistance with resolving this matter urgently. 

https : //www.affirm.com/ Respectfully, XXXX XXXX, XXXX XXXX Attorney at XXXX )
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened a new checking account with the promise of a {$500.00} bonus if I made direct deposits totaling {$6000.00} or more within 60 days of account opening. I opened the account on XX/XX/2022 and completed over {$6000.00} by XX/XX/2022, fulfilling the requirements for the bonus. The {$500.00} bonus was supposed to be deposited into my account within one statement period after completing the required deposits. I should have received the bonus by XX/XX/2022. It is now more than 60 days after I completed the requirements, and I have not yet received the {$500.00} bonus. I called to ask about this issue, but after spending more than half an hour on hold and being passed to three different operators, I was informed that they had no way of helping me because their " system is down. ''
Consumer complaint received 2022-02-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

I purchased a home in XXXX and my mortgage was transferred to Citizens Bank. Since that time, I have spent collectively more than 10 hours on hold with this company trying to get access to my mortgage and account information. First, I could not enroll in online banking and could not get information on my mortgage payments and escrow accounts. In XX/XX/XXXX, after more than three days of calling and more than 6 hours of collective hold time, I was finally able to get an online account established so that I can access certain information. However, I still can not get an answer to why my tax forms have not arrived when they were supposed to be mailed before the end of XXXX and I can not access them electronically. Each time I call, I spend more than an hour on hold before getting through to a person, who tells me they must transfer me. They will then transfer me to another hold, where I either spend an hour more on hold or where the call is dropped, i.e. they hang up on me. I can not file my taxes without this information, and I have had to miss work to make these calls as they are only available for customer service on mortgage issues between XXXX a.m. and XXXX p.m. when I also work. They are an XXXX XXXX bank and I am located in the XXXX so I can not physically visit a bank, and their only other contact options are by phone. There is no email or chat option currently available, and so I am literally without any other options to access these documents other than to call and spend hours on end listening to their hold music.
Consumer complaint received 2018-06-29
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. (FL)

I was denied credit by XXXX. XXXX indicated that Equifax was source of info. 

Equifax refused to provide credit report from online sit and refused to provide report via telephone.
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

1. ) HomePoint Financial sent me a letter indicating that due to an error they had mis- reported to the credit bureaus that We has missed a payment, and that it would take 45 days to be corrected 2. ) Homepoint Financial mailed my escrow payment for Home Insurance that was supposed to go to XXXX to an address for the XXXX XXXX 3. ) Homepoint Financial miscalculated my escrow payment resulting in a {$300.00} increase to my monthly payment 4. ) When calling in order to have the Escrow corrected, I was hung up on twice by HomePoint Financial ( XX/XX/XXXX ) - I was promised a call back within an hour from Supervisor " XXXX '' - they never called me back 5. ) After correcting my escrow adjustment, HomePoint Financial failed to produce a new and updated statement for me to pay 6. ) I was promised that HomePoint Financial would send me an updated statement with the correct amount on it, and I received a duplicate of the original erroneous bill 7. ) Upon calling to correct the erroneous bill a second time - I was told that they could not issue an updated bill until the next billing cycle - a direct contradiction to my earlier conversations. 
8. ) It is XX/XX/XXXX - XXXX bill is due on XX/XX/XXXX and I still do not have an updated statement to pay. The bill I have is for an incorrect and MUCH largere amount than is due. I am pretty sure that it is a violation of the FDCPA to sent a bill for an incorrect amount, as is mis-reporting credit information, Hanging up on a consumer, and giving them incorrect information.
Consumer complaint received 2022-02-22
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. (TX)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/2018 US DEPT ED XXXX Balance : {$2300.00} Date Opened : XX/XX/2018
Consumer complaint received 2022-02-22
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: AMERICAN EXPRESS COMPANY (TX)

exercised right to rescind the contract due to AMERICAN EXPRESS fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories AMERICAN EXPRESS aided and abetted, in disregard to the laws, AMERICAN EXPRESS has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Consumer complaint received 2022-02-22
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: State Collection Service, Inc. (IL)

Pursuant to 15 USC 1681a ( d ) ( 3 ) this company is in violation as in regards to Medical Information. There is no permissible purpose for this third party who I never contracted with should have my private information. I never directly or indirectly gave this company to contact me through ANY medium and using the CRA 's is a form of communication federally. As a private flesh and blood woman I was violated.
Consumer complaint received 2022-02-22
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. (AZ)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Inquiry XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I have been dealing with Diversified Consultants regarding this XXXX XXXX XXXX acct since last year in XXXX. I mailed letters asking for validation and verification to be sent and because they could not provide documentation with my signature they seized all collections efforts and deleted from all credit bureaus. I see that they have once again put that same XXXX XXXX XXXX acct on my credit without proof that this acct belongs to me. I want this acct deleted for the 3rd time and to stop trying to collect on an acct that isn't mines.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I deposited a partial refund check of {$2900.00} at Wells Fargo Bank ATM - XXXX XXXX XXXX XXXX ATM : XXXX @ XXXX XXXX  EST and e-receipt stating the total amount will be deposited on XX/XX/XXXX to my checking account ending in XXXX after further review. I contacted the bank on XX/XX/XXXX as the amount was still pending, and a dispute/claim specialist advised that the check is non-negotiable from the check issuer financial institution and provided claim # XXXX for my reference. I requested the specialist dispute the check issuer 's debited amount of {$2500.00} in response to the bad check, and the claims specialist provided me with claim # XXXX. Wells Fargo realized that the check was never presented to the issuer 's financial institution and proceeded with re-depositing the check. I received an email on XX/XX/XXXX that the bank had resolved the claim without providing any further details. On XX/XX/XXXX, I deposited my XXXX work travel expenses check of {$2500.00}. Still, the amount of {$2300.00} was on hold until XX/XX/XXXX because of repeated overdraft fees. Multiple NSF and Overdraft fees had hit my account during XXXX because of the provisional credit of {$2500.00} reversal in response to the two claims being resolved and closed. The first claim, which the bank initiated and provided the claim number over the phone by the specialist. The second claim was closed as the merchant responded to the dispute attaching the partial refund check, the check subject in the first claim. 
Both disputes were closed without rectifying the account, which led to mortgage payments, car loans, credit and store cards payments being returned. It continued to impact my credit score, dropping over 250 points because of WF 's internal error. The bank was contacted numerous times in XXXX, XXXX, and XXXX, via phone and in-person, to resolve the issue, without any resolution being provided. I escalated the case with the Wells Fargo Enterprise Complaint management office. The officer responded via phone and stated that it was a bank error and it is unfortunate, but they will NOT rectify the issue. I requested the officer to escalate further, and I notified the office of my further escalation through Consumer Finance Bureau and possible legal action for financial and psychological damages.
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPal does not let me accept the {$85.00} I received from a friend on XX/XX/2021. When I click 'keep it in PayPal ' i and 'agree and continue ' it takes to me to page saying 'Sorry about that Looks like something went wrong on our end '. It just sends me back to the home page.
Consumer complaint received 2018-08-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

I applied to refinance my loan and sent all the papers requested and the company just stop communicating and never processed the loan nor would tell me why got all my person information conducted and appraisal, two visited Got tired of waiting so went to another company and got it done still nothing freedom mortgage.
Consumer complaint received 2022-02-22
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. (AZ)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2018-06-29
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. (KS)

A collection agency named XXXX XXXX informed me that they notified Equifax to remove a collection account they had reported in error ( # XXXX ). Equifax refuses to delete the account. I have disputed the account with Equifax twice, but they refuse to take it off of my report, even though the collection agency ( themselves ) have asked them to.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc (CA)

I was involved in a divorce in which I 'm finding out that ex opened accts. under my SSN and my son 's. He also submitted tax returns under a false SSN. He lied about being fired from job to escape alimony. Now I ca n't get into my credit reports at all!
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX I opened an account with XXXX XXXX while purchasing a car. 
Every payment per month, I obtained XXXX point toward my credit score. During Covid, I complained about the company XXXX XXXX for their delay in offering assistance to customers affected by Covid. Ever since I filed the complaint, members of the XXXX XXXX staff began retaliating by failing to report payments for credit or blocking payments online in an attempt to make my payments difficult and/or late. 
Their efforts failed. Their system partners with credit bureaus such as XXXX, Transunion, and XXXX. XXXX has reported XXXX point increase every XXXX months. XXXX and Transunion have reported a XXXX point increase every XXXX months in spite of on time payments. This hinders any progress towards an excellent credit score of XXXX. 

In retaliation to my complaint, XXXX XXXX recently reported a late payment taking place in XX/XX/XXXX by fraudulently stating that the payment was made of XX/XX/XXXX. This was only done after a recent complaint about absent score reporting in which I accused them of withholding up to XXXX points. The entire 3 years and 9 months, my payment score has been 100 % on time. While they only give XXXX point per XXXX months, this false report has in XXXX removed XXXX points. Which was recovered after a complaint with the State Attorney Generals Office. In XXXX in the same month they falsely reported last year in XXXX, XXXX points were deducted in 1 day, based on this false accusation of this false payment made in XX/XX/XXXX. The online credit history and my receipts, both validate and confirm my onetime payment of XX/XX/XXXX, yet the XXXX XXXX, XXXX, XXXX, and Transunion have all opted to ignore the evidence and allowed my credit to be destroyed and damaged after years of effort to obtain good credit. In XXXX XXXX XXXX reached a settlement of {$550.00} XXXX dollars with 34 states for deceptive loan practices after legal action by the federal government. I estimate my credit would be XXXX, if not for the practices of XXXX XXXX, XXXX, Transunion, and XXXX to subtract hundreds of points from my credit score based on fabrications, retaliation, and fraudulent credit reporting. The lack of legal action has made this organizations arrogant and fearless with corruption towards consumers. Thousands of consumers have communicated on social media, comparing the practices as part of a norm with these organizations. After three years of obtaining XXXX point every few months for continued on time payments, XXXX XXXX, XXXX, Transunion, and XXXX casually deducts hundreds of points sending me back to the beginning of my plight 4 years ago. I would like these companies investigated and my score restored to its actual score between XXXX and XXXX.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I previously filed a complaint regarding Bank of America withholding my {$230.00}. I paid for a gaming system online from a scam company. I never received any gaming from the company and supplied proof that the company was fraudulent. Despite my evidence, Bank of America still refuses to refund my money. 
The fraudulent company ( which has now taken down their site ) sent Bank of America fake tracking information. I went to the USPS and received the REAL tracking information which shows the fake scammers sent first class mail to my address with a weight of ( 13 oz ) not 8-9 pounds that a gaming system would weigh! See Attached. Despite this, after many months ( since XXXX XXXX ) Bank of America has still withheld my money! I am requesting you intervene. I sent your company previous documents, The CFPB from B of A never called me! I want my money!
Consumer complaint received 2018-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have been trying to get through to Capital One to make a transfer to an external account. I was able to get to a screen asking for my mobile phone number as a part of a two step identity process. I put it in and received an error because my phone is registered to my husband instead of me. When I called, I waited on hold nearly 15 minutes only to be told this process would take over a week for test deposits to go through and then I could access my money. 

No one has money deposited into an account if they are going to be unable to access it in a timely manner. I am frustrated with the lack of concern I have received regarding this.
Consumer complaint received 2021-03-09
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. (FL)

I had a XXXX XXXX XXXX XXXX with XXXX XXXX. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to XXXX XXXX. Unfortunately, XXXX XXXX reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a XXXX XXXX customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The account with CAPITAL ONE BANK USA N with account numbers XXXXwas legally paid in full and are no longer in use. I am not sure of how the Credit Bureaus process of investigation but they continue to report erroneous status and information about this account. Also. they are not showing me the complete payment history of this account. Moreover, this account is illegally re-aged. A lot of errors.