davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I received a check in the mail for XXXX. It was suppose to be for car advertising. XXXX for first week pay and the rest for the techicion to put XXXX logos on my car. I deposited the check into my wells Fargo checking account on Saturday XXXX the the XXXX. The banker gave me XXXX at that time as a courtesy. The rest would have to be cleared before it became available. Which was Tuesday XXXX the XXXX. When the check was cleared on the XXXX. I was instructed to take the money out of the account for payment to the techicion. I sent it as XXXX gift card as instructed. The techicion was supposed to come out on XX/XX/XXXX at XXXX. He never showed up. Then at XXXX my bank card was declined. So I called the bank and occurs my account was over drawn by the amount of the check. So it was a fraud. Now I believe that I should have to pay back the XXXX cash the banker gave me on the XXXX. As a courtesy. But the XXXX. Is there falt. They held the check until Tuesday XXXX to be shore that the check went through. Then they made it available to my account. Now they want me to pay the XXXX plus fees. And that isn't right. Again. I believe I should have to pay the XXXX cash given to me on the XXXX that they gave me out of courtesy. But the rest is on them. For if they would have been doing there jobs for those 3 days it was on hold to make shore the check was real and go through before they made it available like they were supposed to. For that is the whole reason of them holding it. I would only owe them XXXX. And the name of the company that wrote the check is sticker ride as team. And obviously there a fraud.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I called into close my bank of america credit card account which has an annual fee. The agent promised that she would be able to give me 5000 miles in rewards if I continued to keep the card, which also means I will be charged a {$90.00} fee. Its been two months and I did get charged the annual fee, but haven't received the promised miles. 

I called back and the bank is saying they don't have such policies. I ended up closing my account, but this is blatant fraud to charge me an annual fee and not keeping their word about the rewards. They have misled me so they can charge the fee.
Consumer complaint received 2021-02-18
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Law Offices of Robert A. Schuerger Co., LPA (NJ)

Received multiple voicemails from a Mr. XXXX XXXX, claiming to be a debt collector on behalf of XXXX XXXXXXXX University. Unfortunately, I do not have any record of when these calls or voicemails were sent to me, as I had checked my mailbox as of this complaint ( XX/XX/21 ). Multiple people from differing websites have also received the same call from this number, claiming it's fraud and impersonation of an attorney or debt collector. 

I do not live in Ohio, and I have already reconciled my student loan debt with my college. This is clear indication of fraud.
Consumer complaint received 2020-02-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Shellpoint mortgage servicer was assigned to two of the properties that my XXXX just refinanced. I got married in XXXX. Before getting married i called shellpoint that please let me know if i owe any payments for XXXX on my home in XXXX XXXX XXXX XXXX, NY since my loan was transferred to your servicing. They told me nothing was due. Then i went on with my reception and honeymoon. When i came back. I received a mail that i was late for XXXX. I called and made payment for XXXX and XXXX. They told me everything was fixed and things like this happen due to transfer of servicing. 

I refinanced another home in XXXX XXXX XXXX. XXXX XXXX NY. 
Shellpoint is still the servicer. They send me mail stating {$0.00} is due for XXXX. When i call them to confirm they tell me the mail sent was wrong and they are sending another mail with correct amount. That was on the XXXX of XXXX and payment was due on XXXX of XXXX. I still havent received my correct statement and neither have i received a call back after making multiple inquiries and today is XX/XX/XXXX. 

On XX/XX/XXXX, i get a notification from my credit card company that i have defaulted on my payment on XXXX XXXX XXXX XXXX, NY home. I have lost over 100 points in credit scoring and my debt has increased by {$190000.00}, the mortgage amount. 

To make matters worse, i have multiple properties that are currently under underwriting process of refinance and they cant close because my credit doesnt meet the requirement anymore. I am losing hundreds of thousands of dollars in equity if i do not refinance and that money is necessary to keep my new business going. I risk of losing those homes to foreclosure because they are paying interest rates as high as 13 %. 
I could lose in excess of {$2.00}  million in property value because of negligence of shellpoint mortgage. My XXXX is a public benefit XXXX, i XXXX XXXX to XXXX XXXX XXXX  and XXXX, these servicers are increasingly outsourcing or using too much AI that a common miscommunication can create a mistake that can cost millions. 

I will lose all my properties if this persists and i want to know who will be held responsible for this negligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I submitted a dispute letter to the 3 credit bureaus informing that an account is reporting that I have no knowledge of and I am a victim of identity theft. This account, XXXX XXXX XXXX continues to report on my credit report causing harm to my credit score.
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (CA)

DIVERSIFIED CONSULTANTS a XXXX, Florida-based collection agency erroneously reported an unpaid debt of {$270.00} for a XXXX/XXXX cable bill to the major credit agencies. For many   months, XXXX/XXXX simply refused to send me a final bill to allow me to pay. They ( XXXX/XXXX  ) then reported the debt to DIVERSIFIED CONSULTANTS without notifying me which is illegal in the state of California. Once I finally got a final bill -- which took many months -- I immediately paid it in full. DIVERSIFIED CONSULTANTS never attempted to contact me about this, they simply reported it to the credit agencies and damaged my credit -- which was otherwise perfect. I have now been rejected for a home mortgage based on this fraudulent claim. I have contacted XXXX/XXXX cable dozens of times in-person, by phone, and by email to demand that they contact their collection agency and rectify this ; but, so far, this has not resulted in the removal of the false claim from my credit report.
Consumer complaint received 2021-06-01
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I believe that this will cause me some inconveniences in my futures credit transaction, I would like this to be taken care of.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (IL)

My records associated with the account SPECIALIZED LOAN SERVICES with account number XXXX and XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and method of verification to SPECIALIZED LOAN SERVICES but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2020-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (SC)

There was a fraudulent account opened with my information that was done online to receive cash from a place called XXXX  XXXX of South Carolina in 2015. Upon discovery on my credit it was sent to a collections which this how I found out about the account. The amount is XXXX dollars that NCB management is trying to collect. I've been disputing this account for the past three years to get it removed of my credit. 
There is no verifiable information other than stolen information. When I ask for any proof there is no proof other than it was done electronically and the money was issued then account closed.ive called the main company and explained this to them and they can not pull up any accounts by my name or last four of my social. I called the collection agency NCB Management and  explain this to them and they said they bought the account from XXXX XXXX   I asked them how are they verifying information if the actual company doesn't have any informations to go off of. This fraudulent account needs to be removed and deleted off my credit profile
Consumer complaint received 2020-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (OR)

In 2019, I pulled up my own credit report to view my information. I had found a collection account by name of : Paramount Recovery, reported for medical debt that I was unaware about. I contacted the the company with the information from XXXX XXXX website that stated Paramounts name and phone number. They clarified the debt was a medical debt, I then asked I had never received a noticed, did not know I even owed this debt. The debt was due to a motor vehicle accident and the insurance had paid all other bills on my behalf, and all of the bills on time. If I was aware of this debt, I would of had the insurance pay it in a timely matter. The collection agency covered for a company that had a change in ownership, which caused them to never send me a notice of any bills, or even any attempts to collect the debt. 
No phone calls, or voicemails were left in that matter as well. I had to make multiple attempts to contact the debt collection company, and speak to multiple different people at their company in order to request an invoice. I had to collect an invoice independently, as they requested it from their client but stated it would take weeks to receive. I contacted XXXX which is the company that originally holding the debt, they then were supposed to send the invoice for the physician bill, but the company XXXX then sold to envision services. 
The insurance company has now paid the debt owed - I had confirmed the check XX/XX/2019, from XXXX with check #, picture of check, and date check was cashed, to the collection company, but it is still being reported on my credit report as closed, but it is still affecting my credit score, as it is not removed.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2023-03-24
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. (PA)

in accordance with the Fair Credit Reporting and XXXX  XXXX XXXX Account # : XXXX has violated my right 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I am victim of identity theft. I placed a fraud alert on my credit XX/XX/2020 that should last a one and requires contacting me via phone before any new lines of credit, accounts, loans or leases are opened. 

XX/XX/2020, I was alerted that a new Account appeared on my credit from " XXXX XXXX XXXX ''. I followed up with the XXXX XXXX Services I have purchased to get a number for this vendor. 

I spoke on the phone with XXXX, XXXX XXXX customer representative, and they could not explain clearly why they ignored the fraud alert and allowed an account to be opened in the amount of {$2400.00}. They did however, say they would get it to the fraud department and begin the investigation. 

I was also informed that the fraud department would follow up with me with 72 business hours. I requested to be transferred or inquired if there was a number to speak with the fraud department but was informed there was no number to contact and they would contact me.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am appylying for a mortgage refinance with my existing mortgage lender - Wells Fargo Bank about 2 months ago. 
I was initially asked to pay {$540.00} for a full appraisal which i did pay, however during the loan processing i was advised that a rapid appraisal for {$80.00} will suffice. 
I asked the bank to refund the difference to my credit card but they insisted that the difference will be applied to reduce my loan balance. I have escalated their decision stating this is a fraud and forceful extortion of funds from me. My loan is in and has always been in good standing and i am shocked by this financial malpractice and now i am part of the victims impacted by the unprofessional customer experience of Wells Fargo which has led to many law suits against the bank. I will not hesitate to join in a legal complaints against the bank. 

I need the difference between the excess funds i paid and the actual amount i.e {$460.00} refunded to my credit card account and NOT applied to mortgage account. 

Appreciate your prompt resolution.. 

Thank you.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Allowing reporting of a collection account from XXXX XXXX in violation of the FCRA that requires a time limit of 7yrs for a negative account reporting as well as the accuracy of the information of the account being reported
Consumer complaint received 2018-05-07
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: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal Credit Union had 4 inquiries on my credit report the inquiries were excessive because they were under 30 days from each. I also have an account with Navy Federal and they have the ability to pull my Fico Score each month for free without causing a hard inquiry on my credit report. I requested a loan and they pulled my credit report twice with in two days of each ... Once they pull my credit report once ... that file last for 30 days.They kept telling me that I had a security freeze on my account, well I lifted the security freeze, they went and did multiple pulls. within days which is unnecessary.

Navy Federal Inquiries XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2021-06-15
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. (LA)

There is an account open at XXXX XXXX in XXXX, SC showing up on my credit report for around {$3500.00} that I did not open. After speaking with several people at XXXX corporate office, they have denied responsibility, saying that it was reported correctly on their end. The account belongs to a woman with the same name and similar social security number to my own. This woman is from the same town as me, with a similar birthday, name and ssn, so this has been a recurring problem for us for most of our adult lives. We should be closing on our home in 7 days, however this and other debts that have been incorrectly reported is causing a delay.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

Mailed letter to : XX/XX/XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX Experian XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Charge off of Car. 
Account was not charged off- car was wrecked and amount was paid by insurance. 
I reached out to XXXX XXXX and have a letter with the information that was sent to the credit bureaus. Dated XX/XX/XXXX.
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery (ME)

My loan went into default with ICR. I have called several times to set up repayment plans. They are taking 15 % of my pay and are telling me that they will ocntine to do so and then will charge me an additional monthly charge that they get to decide. They take {$500.00} a month. I am unable to maintain that payment let alone another one from them. They told me to go out and get a loan to pay it off, but i can't because i am in default from them. They hang up and never respond back and are unwilling to help
Consumer complaint received 2020-02-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (WI)

Westlake Portfolio Management has repossessed a vehicle that was awarded to my ex wife during our divorce. Case number is in the city of XXXX, Wisconsin XXXX. The judge awarded the vehicle to her and they refuse to accept the divorce decree and take my name off the loan. They are still saying I am primary because I signed the contract when we were married. Just want my name off the contract as directed by a judge of a legal court system of this country.
Consumer complaint received 2020-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

There is a company called Commonwealth Financial reporting I owe a medical debt which I have not been to the hospital in many many years. I feel this is a mistake. I have disputed and it resolved nothing. Please help
Consumer complaint received 2021-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (NJ)

I lost my job due to the Corona Virus Pandemic then broke my XXXX and had an issue with the XXXX and am going through intense Physical Therapy because I can not use my XXXX XXXX. I am right handed and am a XXXX XXXX/ XXXX XXXX/XXXX person and can not find work. This student loan company has been attempting to collect against me since the very beginning of the pandemic. I have told them repeatedly that I have no income yet they have not followed the governments rules since day one of the Pandemic XXXX keep adding interest every month to my loan and will not give me any more forbearance 's due to lack of any income. I am XXXX years old I am on food stamps and barely making it. My parents pay for my electric and cable bill and water bill because I have no income coming in yet they insist I make income based payments with no income coming in.On top of this the school was sued by many students back in the XXXX XXXX when I was a student there but I was to young to sue them. They closed up because of lawsuits because of illegal practices with student loans so I feel like I should not even owe this loan. I can not afford an attorney and need help please. Thank you.
Consumer complaint received 2020-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MA)

I had previously advised Chase not to send me confusing and poorly designed marketing materials, but Chase continues to do that regardless of the fact that it ridicules itself. Please see the attachments.