davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo mismanaged my Home Mortgage and Home Equity Line of Credit from the time the my accounts were acquired from XXXX XXXX, whom I originally open the accounts with. This mismanagement caused my accounts to be incorrectly reported to the Credit Bureau causing my credit score to be  affected severely. Ive always had excellent credit and was never late with my bills. 
I had one mortgage and one equity line of credit. Wells Fargo reported four equity line accounts and one home mortgage account to the credit bureau in my name. 
Wells Fargo also reported I was late 30 times in one year, because of allocation issues with my payments. 
Ive disputed these issues with the credit bureaus and Wells Fargo and they insisted their system reported the late payments correctly. 
When I sold the home in 2018 and paid off the balances of the mortgage $ XXXX and the equity line $ XXXX, Wells Fargo was still reporting I had one line of equity in my name still open, and after my dispute again with the bureaus, they corrected it. 
I inquired with Wells Fargo why my balance for the equity line was never changing, and I was informed it was an interest only loan. I explained it was never an interest only loan with XXXX, why is it now an interest only loan. For more than 10 years Ive been paying interest only on a $ XXXX line of credit. Unknown to me Wells Fargo changed the agreement after acquiring my accounts from XXXX and told me I signed papers agreeing to the interest only account, which I know I would never have done. I figured out Wells Fargo might have sent me a document after acquiring my accounts to sign informing me they were now handling the accounts, but did not inform of any changes they were making to my accounts. I would assume they were doing the right thing by me the customer. 
It was way too much for me to keep up with what was going on with these accounts. 
If will furnish on your request the five account numbers that were reported to the bureaus. 
Now that I have paid of my loans, it will be very difficult to get a mortgage with all of those discrepancies on my report. 
Ive had difficulty finding a decent job because of my credit history I am sure. I have an XXXX and can not find a job. 
This is all very stressful.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

On Wednesday, XX/XX/XXXX, my friend need an emergency loan of {$800.00}. Since I have been a Venmo customer for years, I suggested we use Venmo to get him his money. 
I only had a {$300.00} balance in my Venmo, so I transferred {$800.00} in from my checking account. He had a freind of his set up an account that night since he didn't have an account prior to this. Venmo charged a fee for the transfer AND they wouldn't allow him immediate access to the funds, so he had his friend return the {$780.00} and had me send another {$800.00} to his girlfriend. Rather than use the {$1100.00} in my account, Venmo initiated another {$800.00} withdrawal from my link bank account. When his girlfriend received the funds, she realized that there was a XXXX to 5 day waiting period before the funds would be available. She returned the {$800.00} top my Venmo, and we ended up using PayPal which went through instantly and was a breeze. I used Venmo 's chat feature to get the {$16.00} back, and the representative said it wasn't a problem and that he would return the {$16.00} to me. 

On Friday, XX/XX/XXXX I tried to transfer the {$1600.00} from my Venmo back to my checking account so I could pay my bills. It was at this point I discovered that Venmo had frozen my account due to suspicious activity. Ok, no problem, I'll call them. The representative I got informed me that customer service can't unfreeze an account and to refer to an email, which I did and that email referred me to customer service. I was then told that I would need to send an e-mail to submit a ticket and that a representative would be in touch with me in 3 to 4 business days. At this point they have MY funds, which came from MY bank account, which I need returned to MY bank account and they are refusing to do this for me. I must wait four days for a representative to contact me to unfreeze my funds, at which time it will still take XXXX to 5 days to receive my money. They then tell me that the {$16.00} was returned to the random person I don't even know. I send {$800.00}, they receive {$780.00}, they reverse {$780.00} back to me, why on Earth would you credit them the {$16.00} and not me? How this is legal is beyond me. They are clearly using my funds to earn carry by reinvesting them and simply don't want to unwind their cash reinvestment. They weren't kidding when they said my account was being frozen for suspicious activity, only Venmo is behind the suspicious activity.
Consumer complaint received 2020-12-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

Mr. Cooper via Nationstar has engaged in a lengthy process in delaying the processing of my mortgage refinance. It is unclear whether this is due to negligence, incompetence, or malicious intent to perpetuate elevated interest rates. To my understanding they have thus far spent 9 months to complete a 30-45 day process. It is unclear whether they will complete the process. 

During this process they have lost documents, asked me to provide their own documents, lost track of insurance payments, misallocated insurance payments, asked me to refrain from making payments then beg me to make payments after misappropriating my escrow. 

I have spoken with XXXX XXXX, XXXX XXXX, and a man named " XXXX '' who called me on the phone to explain that there is nothing for Mr. Cooper to do because Mr. Cooper has done nothing wrong.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The account numbers are not the same which is inaccurate information. Please have inaccurate accounts deleted from my credit report. 

I'm requesting the following accounts be deleted immediately, because the account numbers and other details are not matching between XXXX and Experian credit bureaus. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated 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 is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I paid my auto loan in full {$10000.00} only only for the status to reflect charge off collection on my credit report. I have called multiple times and faxed over letters disputing the information only for it go no where and be denied. I had fell on hard times in XXXX that was the reason for the behind payments but XXXX I made a regular monthly payment in XXXX and then the full balance in XXXX. I spoke with XXXX from capital one last week only for her to tell me that the status is incorrect and she advised me to fax over another letter asking for the status to be updated which I have done again. I fell on hard times but I made. All.my wrongs right by paying what I owed and not doing a settlement. I am trying to get another vehicle and can not because of the status of this account. PLEASE HELP.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

There is a FraUD, the bank robbery XXXX dollars plus XXXX dollars fee, I tried to contact the bank, but they don't care. I will do a COMPLAINT and I will go to the COurt against the bank.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX an account with XXXX XXXX was a opened. There was a final payment made on XX/XX/XXXX and the account was later charged off. According to the State of California, which is the state I reside in, the statute of limitation for reporting charge offs is 4 years. This account is well past the 4 years the law allows to continue reporting to credit bureaus.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a credit card from Bank of America which I had closed about a year ago. However, the past three months, I received invoices form Bank of America charging me fees as follows : XX/XX/2020 {$79.00} XX/XX/2020 {$75.00} XX/XX/2020 {$79.00} But as I said I c losed my account about a year ago. 

the credi card account number is XXXX XXXX XXXX XXXX Cash RewardsWorld Master I think the Bank of America branch is XXXX XXXX XXXX XXXX, XXXX Fl XXXX. 
I filed a complaint with XXXX XXXX XXXX ( XXXX ) ref : XXXX This month I received a notice from Credit agency XXXX saying that Bank of America has rported me as delinquent.
Consumer complaint received 2020-12-19
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. (NC)

I'm up for a new job promotion my credit was ran and came back with information I have a police report for that is not mine showing. I need to get the matter corrected with this place I never heard before before I lose my promotion
Consumer complaint received 2020-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MN)

Hello, I was assessed a late payment fee of almost {$30.00}. I was sick with COVID in XXXX and in that midst, I thought I had submitted my monthly payment for the XXXX due date. I must not have because I got an email saying I'm late. I promptly paid the normal amount, in addition to the late fee on Saturday XX/XX/XXXX, to avoid any further problems. Today, Monday XX/XX/XXXX, I called Rocket Mortgage/Quicken Loans to see if they can reverse it. It's my first ever late fee and again it's because I was sick with COVID. They wouldn't reverse it because saying I had already paid it. This is unfair. I wanted to be a good customer and paid it up front with hopes they'd return it. Instead they want me to be a bad customer and not pay it and then ask for a reversal. How is this ethical? My loan number is XXXX. 

Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I learned of unauthorized withdrawals from my acount when my power of attorney an alert that a large amount of money had been withdrawn from my account. We went to a local Chase Bank branch to dispute the withdrawals, which took place over XXXX days in late XX/XX/XXXX and early XX/XX/XXXX and totaled approximately {$19000.00}. The branch employees insisted I had withdrawn the money myself and refused to check the XXXX or to take a complaint. 

I believed the withdrawals were done using an ATM card because they were marked " E-withdrawals '' on the alert. I later found out they were made at the teller window using my ATM card, however I had no working ATM card at that time. I had notified the bank and asked for a replacement which never came. When I did not get it in XXXX days, I informed Chase. I asked them to cancel the card and told them I did not want a new ATM card. But they did not honor that request because I received a new ATM card when the old one would have expired. I believe the replacement card was stolen from the mail and used by an identity thief to make the withdrawals. The withdrawals were not made at the branch I usually use for withdrawals and were made at a time I would have been at work and could not physically have been at the branch where the withdrawals were made. 

On XX/XX/XXXX, I went to a different branch and they gave me a form to dispute the withdrawals. I gave it to a branch employee who said they would email it to the appropriate department. I checked back several times and was told the complaint was being processed and I would get a decision by mail. 

I never heard anything back from Chase until I consulted with an attorney in XXXX who wrote to the bank on my behalf. Chase responded that I had not reported the id theft within thirty days and they had denied my dispute in XX/XX/XXXX, but I never received the decision. When the bank finally provided me with a copy, I saw it was sent to the wrong address. I had notified them to send it to my XXXX XXXX XXXX XXXX address in XX/XX/XXXX, but they used my old address. 

Chase claimed I made the complaint in XX/XX/XXXX and denied it because it was not made within the thirty days, but I reported the dispute in XX/XX/XXXX, which was within thirty days of when the id theft occurred. The attorney spoke and wrote to them repeatedly and they kept denying my claim. Most recently they told her it was rejected because it was submitted on the wrong form, but it was the form that the branch gave me. I am a XXXX senior citizen retiree and the identity thief stole my life 's savings. My landlord took me to court to evict me because I was unable to pay my rent, and I only avoided eviction because I was able to get a rent arrears grant from my state. The bank has caused me great financial hardship, not to mention treating me like I was a criminal.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy Act of 1974. 

Account # XXXX Account # XXXX
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc. (MD)

XXXX XXXX XXXX  XXXX XXXX XXXX failed to inform me of balances owed after two appointments before sending the debt to collections, resulting in a negative impact on my credit score. 

XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX sent two bills to collections in the amount of {$370.00} for services between XX/XX/XXXX and XX/XX/XXXX. At no point did I receive a paper bill, nor did they attempt to contact me by phone, email, or their patient portal before sending it to collections. The hospital maintains a patient portal where outstanding balances can be paid, through which I have paid other bills, and neither of these charges was listed. The provider also had ample opportunity to inform me that I had an outstanding balance when I scheduled later appointments with the same office, and they did not mention it then. 

I received notification of this debt when ACEI placed a notice on my credit report in XX/XX/XXXX, causing me to lose XXXX points on my credit score. 

I have settled this debt with XXXX XXXX XXXX as of XX/XX/XXXX.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-21
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: CBC Companies, Inc. (TX)

Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Previous Address XXXX XXXX XXXX XXXX XXXX TX XXXX -- to be removed --