davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I went into XXXX XXXX on XX/XX/XXXX to make a shoe purchase that I was unable to make online as I was having several issues when ordering and the rep advised that I go inside to place on order. When I went in the store did't have the shoes I wanted on hand and the cashier stated she could order them and ship them to me and at that point I paid for the merchandise in store and they stated it would arrive within 2 to 3 business days. After a few days past and I didn't receive the merchandise, I contacted XXXX XXXX to see where the merchandise was and they stated it was shown as delivered. I advised them at the time that I never received the merchandise and they stated that I would need to call XXXX to initiate an investigation which I did. XXXX finished their investigation and stated that they showed it as delivered and left on the porch ( although I previously advised them not to because I had issues like this in the past ) but their was no package to be found. They told me to contact XXXX back and advise them that their investigation was completed and to have them issue a refund or merchandise. I called and requested that they re-send the merchandise and they stated they could only offer a refund and I would need to re-purchase. They initiated the refund for merchandise not received and sent a confirmation email showing that the refund was processed, but after several days of not receiving the refund I contacted Bank of America to start a dispute because I never received the refund they promised. It took 6 months to get a 1st response from BOA stating they were denying it because I went inside the store and made the purchase and they stated that merchandise was obviously received because I made the purchase in store. I then advised BOA, that I did in fact make in in store but never took the merchandise as they had to deliver via online because the stock was not available. At that point they re-investigated the claim with that information and I also forward the the actual email confirmation from XXXX XXXX of the email that was sent to me showing that the return process had been initiated but once again the funds were never disbursed. I received a letter from them again on XX/XX/XXXX stating that because I went inside the store and made the purchase, they were unable to refund my money although I NEVER RECEIVED THIS MERCHANDISE! This is insane, I cant afford to pay for merchandise I never received and I never had or received these items how can I ve held liable for these transactions?? Please investigate this matter and advise me of my options as this whole process seems corrupt and unfair, please help me!
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (VA)

On Saturday, XX/XX/2022, TD Retail Card Services made a hard inquiry into my credit using XXXX On Monday, XX/XX/2022, I left an inquiry regarding this activity on their website. 

A hard inquiry requires my consent. This hard inquiry was done without my knowledge or consent. 

A hard inquiry is triggered when one applies for credit. I have not applied for credit in the last five years.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account was open XX/XX/XXXX I paid the amount I owed for a deletions off my report on XX/XX/XXXX. After that they still reported my account as a collection so I disputed the account on XX/XX/XXXX saying its inaccurate. The response was on XX/XX/XXXX
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX, XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reported to the XXXX that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

Approximately, a year ago my mother in law pass away, at which time i became the Administrator her of the state. During that time, i recovered a un cash check from synchrony bank/ chevron credit card. At which time, i made several attempts to have a replacement sent out because the check was a year old. However, synchrony bank keep promising to issue me a replacement over a course of 7 months. All legal documents were submitted to synchrony/ chevron credit.
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I had a mortgage with XXXX in 2014 to where I got behind on my payments and started the paperwork for a HAMP modification. My wife and I were approved for the HAMP mod. and received the paperwork to sign and fax back and during all this the home was being sold on the courthouse steps to a private investor which is unlawful for a mortgage company to do while a HAMP modification is in application process. We ( my wife and I ) had an emergency meeting with the investor and the judge and came to an agreement that if the investor could get his money back from the sale at the courthouse that he would give our house back to us. Well that went through fine but the house was taken out of our names and before putting it in the investors name, the foreclosure was halted and now, we are and have been paying for a house for 5 years now to SLS financial that isn't even in our names nor anyone else for the sake of the matter and we don't want to stop making payments and ruin our credit. The local court is giving us the run around telling us there is nothing they can really do. What can be done to fix this matter with the mortgage company considering we are no longer at a contract for deed?
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today I review my Transunion credit report and notice fraudulent items and inquiries and According to the 1970 fair credit reporting act, these inaccurate and unverified account must be removed ASAP. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (MD)

There are improper inaccuracies on my credit report. I have reached out to XXXX, Equifax and XXXX to have this removed since I did not give consent for this inquiry. 

hard inquiry : XXXX XXXX Bank on XX/XX/22
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Florida Financial Management dba Lend A Dollar (TX)

I was told my loan was approved. I filled out payment information and signed e checks on the site. I was then denied and discriminated against by XXXX ( higher management ). If I am charged illegally on my bank account I will be reporting them for fraud.
Consumer complaint received 2020-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BELMONT FINANCE LLC (ID)

On XXXX/XXXX/2020 I sent a check to pay off the loan I had with them. I overpaid {$150.00}. I contacted the about the over payment. I was advised that I would receive a check paying me back in about 4 weeks. At 4 weeks I contacted them and was told that I would received the payment in 4 to 6 weeks. At 6 weeks I again contacted them. I was told that I should get the check on or about XXXX/XXXX/2020. On XX/XX/2020 I contacted them and was told that it had only been 5 weeks and I would get it next week. I informed them that this was the 6th week going on 7 weeks. was then told that sometimes it took 8 weeks. On XX/XX/2020 I filed a complaint with the XXXX. The reply from this business to the XXXX  was that the check was mailed out on XX/XX/2020. They said that the refund had been overlooked. On XX/XX/2020 The company informed the XXXX  that refunds were done " in batches, not on a individual basis ''. As of this date I still have not received my refund. Also the business is not registered as a finance company with the Idaho department of Finance. Which means I have filled a complain with the Idaho Attorney General 's office consumer protection division.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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.

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 2020-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (MD)

XX/XX/2020 Consumer Financial Protection Bureau XXXX. XXXX  XXXX XXXX, IA XXXX RE : XXXX XXXX XXXX XXXX Wells Fargo Student Loan # XXXX XXXX Account # Dear CFPB, I refinanced my Wells Fargo Student Loan with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. My first pay to XXXX was scheduled for XX/XX/2020, proving that I was approved for a loan refinancing through them. XXXX was supposed to payoff Wells Fargo by XX/XX/2020. 

On XX/XX/XXXX, my parents co-signers on the Wells Fargo loan received a notice from Wells Fargo that I am in arrears on the loan. I immediately inquired with XXXX via phone and they said that they had a batch of checks that did not go through and had to be resubmitted. XXXX had not contacted me and told me of this delay. Previously they had told me my Wells Fargo loans had been paid. XXXX emailed me confirming the loans were paid off. My accounts with XXXX show that everything has been paid and disbursed to Wells Fargo. 

Only today did I receive notice from Wells Fargo that they still have not received a payoff from XXXX and that I am 60 days in arears on the loan. This is now affecting my credit score. 

I want an immediate investigation into both Wells Fargo and XXXX. I can not tell who is not being truthful. But one of them is withholding my payoff while I am paying money to XXXX for my loan. The Reference Numbers to my conversations today asking Wells Fargo to remove the late payment a request which they have denied are XXXX and XXXX. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (TX)

I was alerted today that I have an account with Consumer Adjustment Co. that is supposedly owed. I have never heard of this company in my life. Secondly, this company has never contacted me. They just parked an account without even given me the opportunity to dispute this debt. i have not received any correspondence from this firm at all. Usually by law you are given 30 days to dispute or challenge any debt you are owed. I was not afforded that by law. 

Please cease and desist all collections to include reporting to any credit reporting agencies that you report to. Please provide any documentation where I have contracted or signed any agreement to do business with your firm. 

Provide me with those documents where you claim I owe you any monies including a copy of documents which prove that you purchased or assumed any debt owed by me. 

In addition, I am formally requesting the documents where it shows you are license to collect debt in the state of texas and that license number. 

To place a debt with any notification is a violation of the Fair Credit Act and I am requesting that you both verify and validate such claim you have against me..
Consumer complaint received 2022-12-14
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: WELLS FARGO & COMPANY (NY)

My XXXX Account was hacked internally where my phone was highjacked when my SIM card number was changed on XX/XX/XXXX ( did not know at the time ) and a new phone line was added to my account without my permission. I got XXXX fraud warnings XXXX from Wells Fargo on XX/XX/XXXX and XXXX from XXXX XXXX Bank on XX/XX/XXXX. I am the only authorized user and only have XXXX debit card with Wells Fargo. I immediately answered XXXX and in error accepted as non fraudulent ( it was XXXX am and there were a number of charges. Upon review I immediately read the charges again and noticed XXXX that was for GAS ( no amount ) and realized that this was not an auto pay. I tried to Iogin into my Wells account and could not get my SMS text after 3 tries. After I logged in with my email getting the authorization code and found the charges were for XXXX at a Gas station in Florida. That is when I logged into XXXX and noticed a different phone next to my tele number and a XXXX line added. I immediately notified the fraud unit of Wells Fargo XX/XX/XXXX at approx. XXXX and was given a Claim Number and was told to destroy my card and a new card will be issued XXXX Days. The XXXX charge from XXXX on my XXXX XXXX Bank I sent back as Fraudulent ( {$2300.00} ) which originated in FL also. I Notified XXXX of the fraud and they reinstalled the correct SIM on both of my numbers and deleted the XXXX fraudulently added line. Wells sends me letter XXXX that they have denied my claim due to fact that card was tapped? I have NEVER tapped a card in my life, asked them to check my account and asked them to send me a store video of me in FL. They stated to me ( A female named XXXX ) that you can not hack the chip and I must of given my card to someone?? I have since read about the XXXX XXXX that occurred XX/XX/XXXX ( was never notified ) and internet posts on how a fraud can occur with a tapped transaction. Wells is sending me the documents ( who knows which ones ) but it appears they will recharge my account for the fraudulent charges. What does a consumer do?
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My XXXX, XXXX XXXX, died on XX/XX/2021. I called Capital One to cancel his credit card account and I was informed that there were thousands of dollars of charges on his account that were made after he died. Capital One refused to tell me exactly what the charges were, but did tell me that they were made with the physical card by a " XXXX '' merchant selling healthcare services. I informed Capital One that these charges have to be fraudulent, as dead people can not make purchases from XXXX vendors of healthcare services with a physical card. Capital One customer service and various levels of " supervisors '' informed me that these charges can not be disputed because only the account owner can dispute charges. In this case, because the account owner is dead, there is nothing that can be done to dispute the charges. I later sent a letter to Capital One again informing them that these charges are fraudulent and asking them to stop attempting to collect fraudulent debt from my husband 's estate. They sent me a letter saying that they have investigated and that their investigation showed no signs of fraudulent activity. Apparently, in Capital One 's view, there is nothing indicative of fraud when a dead person uses a physical credit card to make purchases after he has died. Capital One 's letter further mentions that I may be contacted by a " third-party, '' which I assume means they are going to involve debt collectors in attempting to collect money from my husband 's estate for fraudulent credit card activity.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I was a victim of identity theft, I have sent multiple disputes challenging the inaccuracies of the information listed on my credit report. The credit Reporting Agencies have Refused to Removed fraudulent accounts. I have attached Police Report and most recent Disputes along with a Notice of Intent to Sue.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

XXXX Effective this date we refinanced a long standing mortgage with XXXX through XXXX XXXX. Paid XX/XX/20 mortgage payment to XXXX XXXX  XX/XX/20-Effective this date servicing of loan transferred to Shellpoint. Made mortgage payments from XX/XX/20 through XX/XX/20 to Shellpoint. When Shellpoint transferred the loan to XXXX, they reported that we had not made XX/XX/20 payment. We have bank statements showing withdrawal of mortgage amount each of these months to Shellpoint and have emailed them to customer service representatives and a supervisor at Shellpoint as well as advising them about the error in reporting the mortgage balance to credit agencies. 

XXXXEffective this date loan transferred to XXXX. Payments made to XXXX on XX/XX/20 and XX/XX/20. XXXX has reported to the credit agencies and notified us that we are one month late in payment of loan because they applied XX/XX/20 payment to XX/XX/20 payment. I have emailed statements showing all payments made on time including payment for XX/XX/20 to XXXX escalation manager. After trying to resolve this for a month and seeing a drop in my credit rating, I never got a clear answer from Shellpoint and was told by XXXX that they would try and resolve it in 90 days.
Consumer complaint received 2019-04-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TOWNEBANK (MD)

I closed on my loan XX/XX/XXXX with Monarch Mortgage company. A year later I received an email from Monarch requesting my signature on a document. I didn't feel comfortable about signing documents after the fact ; therefore, i reached out to Bank XXXX XXXX ( XXXX ) to seek advice. i was told XXXX didn't have any documents regarding my mortgage. Therefore, I refused to sign any documents from Monarch. On XX/XX/XXXX I logged onto XXXX XXXX website to retrieve a copy of the deed of trust because XXXX sent a letter claiming they transfered my deed of trust to XXXX XXXX. This was alarming because XXXX was never listed on my deed of trust nor were they listed as the trustee. I found four new amendments with my signature ( forged ) and reference of consenting to the amendments. ( I didnt consent ) I was unaware of these amendments. Documents are attached. Please advise me of my rights. greatly appreciate any assistance in this matter. Thank you.