davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I opened a Wells Fargo account for XXXX XXXX with a 0 % financing offer for 60 months. I have regularly been making the minimum payment only since I want to take advantage of the 0 % financing offer. I had a due date of XX/XX/XXXX and called in on XX/XX/XXXX to make the minimum payment through Wells Fargo 's phone channel. I was successful in making the payment and received a confirmation number. I then received an automated email on XX/XX/XXXX with the header : " Due today : We haven't received your credit card payment '' alerting me that there was no payment received. When I called back into the automated number on my statement, I did not have any pending or posted payments from the XX/XX/XXXX payment and so I made another minimum payment to make sure I paid my bill on time. Both of these payments were deducted and I have received my latest statement with the XX/XX/XXXX payment dated that day for both transaction and posting and the XX/XX/XXXX payment which means I was forced to overpay to Wells Fargo because there system did not capture my XX/XX/XXXX payment. I did not want to prepay this account since I want to take advantage of the 0 % financing offer and have the payments spread over 60 months. I feel that I was deceived by Wells Fargo to prepay my account faster.
Consumer complaint received 2019-03-20
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - Capital One XXXX Val {$620.00} XXXX XXXX XXXX CAPITAL ONE XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX  - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W  XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH CAPITAL ONE ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Consumer complaint received 2018-04-17
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: PNC Bank N.A. (OH)

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

My wife and I sent Wells Fargo a check for {$150.00} to get a Brokers price opinion done on our house to possibly remove the mortgage insurance. Sent them a check approximately on XX/XX/XXXX. ( check was cashed by Wells Fargo ) I was contacted by a broker ( XXXX XXXX ) on Friday XX/XX/XXXX at XXXX to set up a time for him to come take a look at our house and complete the BPO. I asked if Monday the XXXX at XXXX would work. He stated that he needed it done sooner. So, I asked him what he was thinking .... he stated Sunday the XXXX I said ok what time, he stated in the afternoon. So, I said how about XXXX? He said sure that works. I then asked him how long it would take to be completed and what he would have to do. He stated it would take less than an hour and that he needs to take 2 pictures of each room. I asked how clean does everything need to be as we have XXXX young kids and both work so our house is not always clean. He stated " that it needs to be clean like as if we were selling it ''. I said I was not sure if I could get it ready that quick as my wife worked the weekend. XXXX stated it needs to be clean so whatever it takes to get it done. He said if my wife needs to take off work then that's what needs to happen. So, my wife took off work on Saturday the XXXX and Sunday the XXXX 10 hours each day to help clean our house. I had a {$400.00} deposit on a fish house to go fishing on XXXX XXXX XXXX XXXX that I paid last year to reserve the date and time that I had to cancel to accommodate the BPO also. So, on Sunday at XXXX we were finishing up cleaning and I noticed that at XXXX XXXX I missed a call from XXXX XXXX . So, I called him back and said I saw I missed a call from you, what's up? He stated that there was a " hold '' placed on the BPO and that he would not be coming that day. Now we are out 2 days of vacation for my wife ( 10 hours each day at {$36.00}. and change an hour ) and my {$400.00} fishing trip deposit. XXXX have made contact with me regarding coming out to do the BPO however I have worked all week and so has my wife and we will not take off work again for the BPO to be done. We feel we have incurred significant losses that we did not ask for, and would like to be reimbursed for.
Consumer complaint received 2019-08-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

My car was purchased XX/XX/2016 and my payment is XXXX a month I called the company to make arrangements do to my pay not being on the XXXX of each month. The rep stated what day will work for u I said no later than the XXXX of the month. The response was it's not a problem. So they started calling me on the XXXX I stated to them I made arrangements to pay by the XXXX and was told it was not a problem the rep on the phone said that no one told me it was not a problem. So this month I payed XXXX on the car and made the XXXX payment on the XXXX now I am being called over XXXX saying it's a pass due late fee and they will take my car I stated to them I was never told I had a late fee and the rep said it's not her problem and I said I will pay it on the next payment due to me having a hard time and she said well we will continue to call u .I said I have been called more than 7 times a day she hung up on me.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (KY)

Apple Card and XXXX XXXX advertised in XX/XX/year> that they would give {$150.00} to new cardholders that were approved and spent {$1000.00} within 90 days. I never got the {$150.00} promotional offer. Still today, XX/XX/year>, nothing. 

I applied, got approved, and spent well over the {$1000.00}. I contacted XXXX XXXX and it took them over a month to respond but they said to contact XXXX. I messaged Apple Card and their response wasnt very clear at all. I just want to know why I did not receive the {$150.00} offer.
Consumer complaint received 2022-06-12
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-06-12
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2019-08-28
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. (WI)

XXXX XXXX is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 XXXX XXXX appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, Equifax, removed XXXX XXXX because there was no basis for their claim. I have disputed XXXX XXXX to Equifax 3 times and they keep coming back saying it's legitimately belonging to me. XXXX XXXX is destroying my credit/FICO scores by their false claims.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Student Loans - XXXX  Dates : 2021 - XXXX XXXX ( 7 occurrences for Balance update ), XX/XX/XXXX ( 7 occurrences for Balance update ) Amount : Action taken : Contacted XXXX  for resolution Fie a dispute with credit bureaus ( XXXX, TransUnion and XXXX )
Consumer complaint received 2022-05-04
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: ALLY FINANCIAL INC. (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX NA Account # 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 2022-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I received a statement in the mail on yesterday XXXX XXXX regarding an account that was opened on XX/XX/XXXX that I had no knowledge of. After posting this incident on XXXX, it appears that multiple people have received the same notification. Accounts are being open in individuals names that they are not in aware of. Im not sure if this is the bank, Bank of America doing this or if theres an outside entity. However, I am requesting that does matter be looked into
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

Ditech Financial sold my loan to a new mortgage servicing company without providing me with any notice. I received notice of the change on XX/XX/XXXX. The change occurred on XX/XX/XXXX. I called the new mortgage company and they have no record of my account. I tried to call Ditech and waited on hold for 15-20 minutes and no one ever did come to the phone. Ditech is also holding over XXXX of my money and the insurance companies money and has not released it so I can pay the contractor as my home is repaired from the house fire that occurred in XX/XX/XXXX. Ditech is a terrible company and basically does whatever they please. I am in the process of paying off my home loan. I have to wait until the due date every month to make the loan payment or they will put the money directly towards principal even if I make multiple payments for the exact payment amount. Last month I paid over XXXX on the loan. I currently owe XXXX on my loan and Ditech acts like they have some major interest in my house. They don't. My home is worth XXXX and their share is XXXX. Ditech is a bunch of crooks and should be put out of business. They are currently filing for bankruptcy so it looks like they are headed that way.
Consumer complaint received 2019-08-28
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. (NJ)

My husband and i purchased a home in XX/XX/XXXX. Our mortgage was sold to XXXX XXXX and the 1st payment was due in XX/XX/XXXX. We set the payment up on XXXX online and figured all was ok. I received a call 3 months later stating that we are 3 months behind on our mortgage and owe a balance of over 9k. I immediately paid this over the phone and asked why the online payments never came out and why is this the first i'm hearing of this?. The representative said we never set it up. NOT true. I never received a call, email, letter, nothing trying to retrieve the payment until the call i got 3 months later! if you look at our credit, in the 54 years of us being married, never have we ever ever missed 1 mortgage payment. ever and we can not get them to reverse it so now our credit is showing 3 late payments and this is hurting our credit. i want to lodge a complaint to all 3 credit bureaus and XXXX XXXX. This is very unfair to us. we are senior citizens and do not deserve to be penalized for their error. Please try to help us and go after XXXX XXXX to correct this.
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

I had wrong entered wrong country of residency while registering account with PayPal account I withdrawal cash to the account but they require me give more information of which I don't have, am XXXX and at XXXX but I mistakenly entered USA as my country I tried to change the info so I can access the money but it was unsolvable,,,,,,,,,,,,, more details Close PayPal Open in the new PayPal app Open Menu Dashboard Notifications Search by name or email Search by name or email 0 suggestions available Filter by Date : XX/XX/XXXX to XX/XX/XXXX Pending XXXX - {$5.00} XX/XX/XXXX Request Received This request is waiting. 
Send paymentCancel Completed XX/XX/XXXX XXXX XXXX XXXX + {$4.00} XX/XX/XXXX Refund XX/XX/XXXX XXXX XXXX XXXX - {$5.00} REFUNDEDAug XXXX Payment XX/XX/XXXX XXXX XXXX XXXX ( Borderless + {$5.00} XX/XX/XXXX Payment Received " Dear Panel member, Congratulations! Thank you for your active participation in our recent surveys. Your cash rewards have been transferred to your PayPal account. We hope you enjoy our gifts. XXXX XXXX XXXX Please write to our support team within 3 months for any queries related to PayPal '' Report Problem You have selected Transaction, proceed to report a problem Continue HELP CONTACT XXXX SECURITY FEES XXXX PayPal, Inc. All rights reserved. 

Privacy Legal Policy Updates
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from XXXX.
Consumer complaint received 2019-03-20
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 (OR)

I have been trying to transfer my American Express membership rewards to airlines for 2 weeks ( from XX/XX/11 ), but the system keeps showing " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I tried to security message customer support who wanted me to call their Membership Rewards team and the MR team said they can't do anything about that and won't tell me the reason why my account is under review.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from XXXX.
Consumer complaint received 2022-05-04
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: Resurgent Capital Services L.P. (AR)

I asked this company over 5 times to send me a break down of this supposed bill they claimed I owed. I never got anything from them. They slap this account onto my credit report causing me to get denied for my home loan. I reached out to them several times and they kept referring me to the collection agency they sent me to which in return referred me back to the creditor. This bill came from a doctors office which violates HIPPA and I know for a fact I refuse to sign any disclosing of my personal business. they expect me to pay something that goes against the law and I don't have a debt validation either.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

Trying to remove PMI from my conventional mortgage. My mortgage company took payment for appraisal 2 months ago. They received my payment and took payment instantly. Last month they sent me a letter stating they need more money for appraisal inspection. Paid additional money as request. Already spoke 5-6 times with representatives from mortgage company and every time I get the same answer : " someone will call back ''. Never received a call back. For the past 2 months I have been trying to find out when is appraiser will come out and inspect the property. I called numerous time and not able to get any answers. Keep saying someone will contact you but no one reached out to me for the past 2 months. 
Please help.
Consumer complaint received 2020-11-05
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. (NY)

I have 2 inquiries on Equifax and 1 inquiry on XXXX  that do not belong to me and I have reached out to the banks and they told me they will remove it and that I should also to reach out to the credit bureaus, I have done so. As of today they are still on my report. This is causing me major damage in obtaining a mortgage and financial damage. 

The inquiries are : XXXX XXXX and XXXX  on XX/XX/20 EQUIFAX XXXX XXXX on XX/XX/20 XXXX
Consumer complaint received 2020-11-05
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. (GA)

On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report per Experian and XXXX. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found XXXX  at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated XXXX XXXX  borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.
Consumer complaint received 2023-04-08
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. (NY)

On XXXX XXXX Account Name XXXXXXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, DE XXXX Phone number ( XXXX ) XXXX