davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Conduent Incorporated (ND)

I received a Go Program VISA Debit card from the state of ND in XXXX or XXXX of XXXX when I started unemployment ( effective XX/XX/XXXX ). Once my claim went through, the card worked fine and I had no issues. I went off unemployment near the end of XXXX, XXXX. 
On XX/XX/XXXX, I went back on unemployment, instead of using the existing Go Program VISA Debit card, I was issued a new card. Now, when I log into my account on the Go Program website ( www.goprogram.com ), I'm not able to see my current balance or make transfers. It appears as though my online account is associated with the old card and there's no apparent way to change it or add the new card. 
I've called Go Program customer service ( XXXX ) three or four times with no results. Each representative I've spoken with does not speak English as a first language and has had a difficult time understanding my problem. When the light bulb finally goes off, they say it's an easy fix and put me on hold. After holding for what seems eternity, they come back and say that they can not fix the problem but that someone who can will call me back within 48 hours to a week. I've never received a call back. This is the worst customer service I have ever experienced and is unacceptable. 
Please look into this issue so that others after me do not have to suffer through a similar experience. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

This is really a two-fold issue. A complaint was issued against XXXX XXXX XXXX ( submission # XXXX ) for selling a mortgage XX/XX/XXXX for a home that was sold back XX/XX/XXXX. The issue with XXXX XXXX XXXX has been resolved. But now there is an issue with the place they sold the loan to : Select Portfolio Servicing. I have a stack of paperwork from SPS for demand payments and threats with foreclosure on this property. I have spoken with their customer service representative numerous times since XX/XX/XXXX, when this all started. I have been told that their records indicate it was resolved XX/XX/XXXX. Since that time, I have been trying to get a written document stating, this loan was sold erroneously and there was NEVER a loan that should have been processed. I do NOT owe {$65000.00}. I want documentation stating those facts along with a written guarantee that this will NOT be reported to the credit bureaus. After numerous calls speaking with reps AND supervisors, all I can get is their " word '' that it has been taken care of. Not good enough! This headache came out of nowhere through the fault of XXXX XXXX XXXX and/or SPS. At this point, I do n't care who is to blame, but since SPS seems to be able to send me stacks of demand notices and threats, I 'm sure a letter stating ... .oops someone XX/XX/XXXX up and you are in clear must be asking for too much. This is all I want .... Would really like an apology but I definitely know THAT is asking for too much.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have contacted the three credit bureaus several times about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my credit score. Additionally my 5 charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are 4 years old.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX and Transunion are reporting incorrectly a collection on the XXXX partial account number XXXX in the amount of {$12000.00}. ( Please see pages 36 and 37 of the attached credit report. ) These student loans have been consolidated and therefore not be reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed.
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: Experian Information Solutions Inc. (OH)

The home associated with the mortgage from XXXX was sold and paid on XX/XX/2020. I have tried to update this 4 times with Experian, and the lender. 
This has harmed my chance at a mortgage.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Hello, I have a conventional mortgage with Wells Fargo. I was concerned that my mortgage payment had not been successfully debited from my bank checking account, so I logged into Wells Fargo to check my account TWICE - on XX/XX/XXXX and XX/XX/XXXX. On BOTH those occasions, my online account showed that the account was in good standing and my payment had indeed been made to my mortgage on XX/XX/XXXX as it is scheduled to automatically debit on that date. Yesterday, XX/XX/XXXX, I received an email from Wells Fargo that stated that my payment had NOT been made due to insufficient funds in my bank checking account. This was the first time that I had proactively been told that anything was wrong with my XX/XX/XXXX  payment. Conveniently, Wells Fargo only notifies one of a failed payment AFTER their 15 day grace period! They charged my account {$59.00} for late fees. What is also odd is that Wells Fargo let me schedule my payment for the XX/XX/XXXX even though the due date XX/XX/XXXX! This burns 5 days of " grace. '' I always assumed that if Wells Fargo allows me to pay on a particular day, then that is synonymous with the due date. Why would I want to schedule my monthly payment LATE every month?! Seems very odd. On top of this, Wells Fargo has removed the ability to edit or modify your automatically scheduled payment. They make it difficult to alter your payment due date or amount ( e.g. if you want to pay extra against your principle ). They set up their systems to proactively tell you your payments have been made, when they have not and then notify you AFTER their 15 day grace period, that, in fact, the payment had not posted, then charge you fees for this. Their system and processes are created to generate fees. Providing FALSE and inaccurate account information simply is NOT ethical. Showing in your online account that your payment has posted and been made is unethical.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One, an unfair organization, closed both of my credit cards which I had for over a year because couple of payments that I made did not get authorized by the bank. When I was receiving an alert after few seconds I was making the payment which was going through. To point out that was not the norm but an exception. 
On XX/XX/XXXX I processed a payment on both cards, on XX/XX/XXXX they closed my cards because they did assume that my payment will not go through and on XX/XX/XXXX they posted my payment made when they had already closed the accounts, without any warning or a letter. The fraud department that I had to speak to, was not professional at all.
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

To all parties involved I am submitting this complaint because the companies listed have failed to respond to my requests to address the inaccurate accounts on my report. The letter I sent them requested that they either validate these alleged accounts or remove them from my report. I sent this request out on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) states that these items must be removed if they fail to investigate and respond to me within 30 days. I requested these companies to validate the information on the report and they have failed to respond to my requests. Unfortunately were at 44 days with this dilemma and no response has been received from these companies. This information on my reports are invalid and is a form of defamation of character I can not acquire credit and this has caused significant hardship in my life. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2016-04-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

For the past 4 years my mortgage company Ocwen Loan Servicing LLC has been sending me notices for escrow shortages. I always pay the escrow shortages to avoid a change in my mortgage payment amount. They send me notices stating that if I pay the escrow shortage my payment will remain the same, if I do n't my payment will be a higher amount. After I pay the escrow shortage they are supposed to perform an analysis after receiving the escrow shortage payment that will keep my payment the same without charging me for the escrow shortage ; however this is NEVER done. They in turn, automatically take out a higher amount for 2 or 3 months until I call and call and call regarding their mistake. THEN they make me wait 30-60 days before correcting the problem, but they never refund me the extra money they took, even though I paid the escrow shortage.
Consumer complaint received 2018-05-08
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: EQUIFAX, INC. (NC)

Equifax has added several items back to my credit report items that were previously disputed and removed from report, Equifax did not provide a 3 day notice to me notifying me that this action was taking place ... 
1 ) XXXX XXXX XXXX XXXX account number XXXX****** item was removed from report in XXXX following a dispute item reappeared on report XX/XX/XXXX showing a report date of XX/XX/XXXX no historical payment information included I have previous credit report all dated over the pass 2 years without this account appearing on them 2 ) XXXX XXXX XXXX account number XXXX Previously removed following a dispute in XXXX item reappeared on report without any notice from Equifax ... Shows a reported date of XX/XX/XXXX however item has not appeared on credit report in over 2 years
Consumer complaint received 2023-02-10
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. (FL)

XXXX XXXX XXXX  representatives have not communicated the proper information, contradicted there company statements and have caused actual damages to my person because of such actions. 

In efforts to resolve this situation, XXXX continues to verify illegitimate information after speaking with representatives via phone. 
XXXX is reporting a closed account with a remaining balance even after paying the amount due in full. Not only have I paid my account in full my security deposit was never put towards the balance even after there website and agreement states that it will. There website states " After you finish your XXXX XXXX  Account, ( which I have ) you will receive a payout of your remaining balance, minus the funds used to secure the deposit on your XXXX XXXX Credit Card and any outstanding fees or interest. '' The security deposit of {$100.00} should ensure that I have no remaining balance. 
Instead my account is being reported closed with a balance of {$110.00} even after paying an additional {$110.00} making a total of {$200.00} they have received from me. 
There website states " Any remaining funds not used to secure your deposit will be returned to you once you finish your XXXX XXXX Account. '' Meaning my security deposit was never put towards my remaining balance. 

Self representatives have done a horrible job in relaying the companies policy and resolving the issue which in turn has affected me drastically.
Consumer complaint received 2022-07-24
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: Velocity Portfolio Group (TX)

In accordance with the Fair Credit reporting act the following creditors have been violating my rights. 

1. XXXX XXXX XXXX # XXXX / {$1400.00} 2. CKS PRIME INVESTMENTS # XXXX / {$630.00} 3. CKS PRIME INVESTMENTS # XXXX / {$940.00} 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 2021-07-21
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: Credit Control, LLC (CA)

XXXX disputed a account through via XXXX and XXXX however I never reviewed or received any documentation from the agency with my signature. Nor did I give any permission to the credit bureau to talk to to anyone about this! So whom did they speak with during the investigation??? I am DEMANDING THAT THE ACCOUNT IS DELETED FROM MY REPORT. This is a violation of my SCRA rights. In addition to 15 US 1692d1, 15 US 1692g
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The purpose of this complaint is to inform you that these companies I am complaining about ignored my requests. I sent a letter requesting them to validate accounts on my report that does not belong to me. Within that request there was a debt validation form that they needed to fill out. Until this date I have not received any correspondence from these companies. At this point these companies are in violation of the Fair Credit Reporting Act Section 611 ( a ). Based off of the aforementioned act and section, they must remove the provided accounts if they do not complete a thorough investigation and respond to me within 30 days. Again I would like you to know that it has been over 50 days and still no response from these companies. This situation is stressing me out and I am looking to start litigation against these companies if they continue to ignore me. If it helps, my information was affected by the XXXX  data breach.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I have called a few days ago asking discover a week ago to report my payment for XXXX cause their was no data for XXXX reporting my payment and today on XX/XX/XXXX I get notified that my balance went up for XXXX when I have not been late on any payment and by my reporting date being the XXXX of every month the last payment I made had my balance at {$0.00} when they were supposed to be only correcting the month of XXXX they wrecked my credit score by reporting my balance this month which I did not request for them to do now I have a big balance on my credit file reporting that shouldnt be there cause my actual reporting day is not until XX/XX/XXXX I am requesting that they bring my balance back to where it initially was ( {$0.00} ) until my normal scheduled reporting date takes affect and actually correct XXXX like initially spoken about over the phone
Consumer complaint received 2019-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I received a message on my banking app saying my account had been locked. The message did not specify why. The message requested my social security card, my id, and two of my banking statements with my XXXX XXXX XXXX account connected to this account. 

When I called the Company they would not tell me why my account had been locked. I submitted the documents requested on sunday. My account is still locked. 

This is my main bank account. I was closed out of it without advance notice. I have not had access to my money or been able to receive paychecks or transfer funds for two weeks now. My paycheck from yesterday is caught in their system so ADP can not even send me a paper check. This is unacceptable. 

The Company will not tell me when it will be unlocked and has been incredibly unhelpful in resolving this issue. The account should not have been locked in the first place and it has caused me serious financial harm as I have had to run up my credit cards in order to live ( i.e., groceries, subway to work, etc. ). 

Additionally, I asked to just close out the account and they will not let me. Further, within the bank app I sent 9 messages to customer support. None have been answered. This is terrible customer service, and specifically is unprofessional being that it is a sensitive banking issue that affects my ability to pay rent, eat, etc. 

This financial institution is incredibly unprofessional, not customer focused, and should not be able to operate in this way. They should lose their license to practice as a bank.
Consumer complaint received 2020-02-25
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. (TN)

There is no such entry of record # XXXX from the United States Bankruptcy Court for this account in my name. 

I have certified documentation from the United Stated Bankruptcy Court that supports my dispute of this erroneous entry on my report. 

If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )