davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
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: Experian Information Solutions Inc. (NV)

Experian has a company that ran credit illegally going back to 2002 stated by XXXX XXXX was told by XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I was told they went back to 2002 then XXXX XXXX  went down my credit file and said they obtain the information from Experian. There is a statue of limitations by what state your in and there is no law that states Experian can use something 17 years ago as stated by XXXX XXXX. I did not give them permission or what ever company they used to go back 20 years nor can Experian provide me such a law state or federal that show Experian can go back for applying for credit. Experian sold or obtain information by XXXX XXXX with out my permission. I was also told Experian/ XX/XX/XXXX ran hard credit in which I'm not buying no house or agreed to such terms by XX/XX/XXXX. There has been a complaint filed with the state Real Estate Division regarding XXXX XXXX XXXX practices and other issues by XX/XX/XXXX XXXX XXXX stated to me they can go back and use credit 17 years ago. Experian also has an OPT OUT meaning that there not to share or have companies run promotional inquires. I have also filed on Experian at the US Attorney office and XXXX XXXX on there practices and how they cause damage.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

The dates vary from between XX/XX/XXXX to XX/XX/XXXX. During this time I was unfortunately XXXX  in a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had given the debit card to my mother to give to my significant other at the time so she could have access to the funds and account to be able to make purchases for our animals at home to take care of her or she needed to send me something she would have money and not have to worry about being the only one working. Upon being 2 weeks into my sentence she went to go purchase a new dog crate and she got denied as unsufficient funds. This is when we began our investigation to figure out what was going on meanwhile I of course I am XXXX and my significant other time had my power returning so she could figure out what was going on. Long story short it seems that my ex wife over 10 years ago at that time had somehow got an access to my account and added the card to I'm assuming her phone that she was going all around town making purchases eating and things like that as we started to look at the withdrawals and the checking account in savings accounts activity sheet which showed Her sending wire transfers like XXXX to her dad 's bank account through Wells Fargo which is the bank I was using as well as her dad. Mind you my exwife and I have not Share the bank account and almost 11 or 12 years much less you can I had never had her name on it and was in new one I had created way after our divorce.. My significant other at the time started the process of reporting it trying to get the police to do something who wouldn't as well as getting Wells Fargo and everytime she's put to Wells Fargo they would say oh yeah we can see that this is not your fault and then suddenly they would change their mind and say there's nothing we can do sorry and that's it. So much to say that they refunded like a {$100.00} out of the XXXX that was stolen out of my account to turn around and take it back from her. When I was finally released I went to Wells Fargo myself. My significant other and I went in to the local branch by the house and explained to what was going on short of the paperwork of me being iXXXX  that there was no way I was doing this.. Shoulder all the paperwork from Wells Fargo and how they just denied to get my funds back or do anything and how the police won't even return calls or online police reports. This Wells Fargo representative literally was saying this is crazy this is definitely not your fault we're gon na get your money back don't worry she gets on the phone and calls the main office I suppose and sit there and talk to him for about almost 10 minutes once she suddenly just hangs up the phone looks at me and says sorry this said there's nothing we can do and that's it. I have written them I have called them I've gone to local branches this is ridiculous..
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

There was a debt in my name that wasnt from me. I disputed the debt through XXXX  letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (LA)

Discover decreased my credit line and did not notify me in advance. As the account has been paid on time, why was the credit line decreased. I have called and their reps have not been able to provide any details.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to contact BANK OF AMERICA Loan department and after 2 months and no answer i don't know what to do anymore. 
All I need is to talk to the loan agent on my loan to get the taxes included in my monthly payments, nothing difficult ..BUT BANK OF AMERICA does not have the person in charge return my calls.. and nobody else can't help because ONLY ONE PERSON CAN HANDLE THE LOAN ... .. very frustrating the customer service at BANK OF AMERICA. 
Where do I go Now ... ..I am hostage of BANK OF AMERICA ... . 
PLEASE HELP. 
THANK YOU
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp. (MI)

I 've received several emails from the c ompany, True Accord   XXXX   XXXX   XXXX   XXXX   XXXX . Beginning in late  XXXX    XXXX   and today  XXXX   XXXX ,   XXXX  . The company is giving me until  XXXX   XXXX  to pay the full amount owed which is {$740.00} or they will pursue legal action against me. I told them that financially I 'm having a hard time meeting that obligation and I requested a much later time in the year. But it 's not to their satisfaction. So the company is continuing with their threats. I am financially in a bind and I honestly do n't know when I will be able to get back on track.
Consumer complaint received 2022-02-15
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. (AZ)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2019-10-10
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 (NJ)

This in continuation of my CFPB complaint XXXX I am still waiting to be credited back from the {$59.00} charge on my account from XXXX, after Capital One mishandled my complaint.Capital One refused to resolve my dispute against a charge against XXXX for {$59.00} on XX/XX/19, which I've worked very hard with them to answer all their questions to the best of my ability. Due to the nature of my dispute, I was unable to provide physical documentation -- as the reason for my dispute was based on a conversation over the phone with the merchant 's Customer Service, and Capital One re-billed me for the full amount on XX/XX/XXXX. 
Last time I spoke with them regarding this matter, I asked if they do not believe me, and they said it's not a matter of whether or not they believe me. They need to follow the guidelines of MasterCard ... All the agents must be trained to say this because I have heard about 10 different agents say this within the last 5 months. That is a bold-faced LIE. I have called MasterCard and told them they Capital One is saying this about them, and they stated that is false information -- That Capital One is their own company and they have their own policy -- And that MasterCard has NOTHING to do with their decision making process ... Capital One just doesn't want to resolve their customers ' disputes unless they're about unauthorized charges. They should not even have the option to dispute charges that were authorized if they're never even going to be in their own customers ' favor. My experience with Capital One over the last 10 months has been nothing more than unpleasant, time-consuming, and absurd ... The Federal Reserve should put them out of business, because they need to be stopped and no one 's doing anything about it. Are roughly a thousand complaints a day not enough?? 

I provided feedback onXX/XX/19 after they denied and closed my complaint with the CFPB that same day, which they've obviously ignored. I stated that they completely disregarded everything I stated in my complaint, just like they did in response to my first complaint I filed against them back in XXXX. The company advertises that they're there for their customers with their moto being, " We're here to help. '' But they're not. They will stand by the very businesses that their customers are disputing against no matter what they say or show them to back up their claim -- Including court transcripts that they paid {$600.00} for and a second opinion from a lawyer. Capital One is a fraud.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I currently have a credit card with XXXX and two credit cards with XXXX   XXXX I recently went to apply for a loan and was surprised to hear that  nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (RI)

I was contacted by Hunter Warfield Inc. about a non existent debt. I requested validation of the alleged debt in accordance with 15 USC section 1692g of the FDCPA. What they sent me was not a validation of the debt. I had previously disputed the debt. On XX/XX/XXXX I sent a certified letter disputing the validity of the information they forwarded to me to validate the debt. They did not respond and proceeded to send a derogatory report to the credit bureau. Hunter Warfield, as a debt collector works on contingency as such they are attempting to strong arm me to pay money I don't owe.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (NY)

I currently have a credit card with chase and two credit cards with XXXX   XXXX. I recently went to apply for a loan and was surprised to hear that nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Mrs. XXXX applied for a modification w Rushmore loan management. She applied several months ago n has submitted all the required documents. As time went on they ( rushmore ) kept requesting more n more documents saying the previous ones were outdated. Mrs.XXXX complied n submitted the reqired updates. I ( XXXX XXXX ) called rushmore numerous times to ask for updates n to ask if anything else was needed. Sometime in early XXXX i reached out to rushmore knowing that the 37 days prior to the auction date was nearing n talked w XXXX she identified herself as the processor handling the file. She told me on or about XX/XX/19 that all necessary docs were in n that she was going to move the file to the next phase for approval.keep in mind this was still 37 days prior to auction date. On or about XX/XX/19 i reached out to rushmore bc i hadnt received the loan modification requirements for mrs.XXXX n was told i needed to speak w XXXX, who was the underwriter n she informed me that even though everything requested was in, that Rushmore hadnt sent out an approval letter to mrs.XXXX n it is now too late to stop the auction bc it was less then 37 days until auction date. Mrs.XXXX more then qualifies for the modification has submitted all necessary documents n because rushmore hasnt generated the approval letter in a timely fashion they are now going to decline her application n sell her home. This is beyond unacceptable. I ask that you please intervene on Mrs.XXXX behalf n allow her this opportunity to modify her mortgage. Rushmore has been playing games w this file for months.i believe they are doing this bc they know MrsXXXX 's property has equity. My name is XXXX XXXX i have been assisting mrs.XXXX with her modification. My phone number is XXXX Thank you
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2019, I wrote to you requesting an investigation into items that I believed were INACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I purchased a home in XX/XX/2018 through the XXXX home buying program. I went through all the appointments and classes to make sure that I was ready to purchase a home and that I knew my affordable mortgage amount due. 
I closed on XX/XX/2018. I was told my mortgage amount would be {$1100.00}. 
A year alter, I was told by my Mortgage company that my new payment amount would be {$1300.00}. When I closed on the home, the title company told me that I was issued a credit because the sellers paid the property taxes for the home up until the day of closing. A year later, come to find out, they did NOT. Bank of America paid the difference and assessed it onto my mortgage.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NV)

I called back in XXXX to remove the overdraft abilities as I didn't want to pay fees. They told me it was fixed. Today it is at over {$200.00} negative and I never went over the limit nor overdrafted. They agreed to refund {$75.00} of their fees and now I keep getting more and more. They are threatening to report me to early warning if I don't magically come up with money I never had nor wanted responsibility to.
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I had received a letter from XXXX  XXXX  XXXX  regarding a credit/ debit bank account that was supposedly opened under my previous name XXXX XXXX XXXX from a bank in Nevada which I in fact NEVER had opened. I called the bank explaining the collection letter I received, they had searched high and low using my social security number my married name and my maiden name all which could not be found anywhere in their system..what I was told was to contact the fraud.gov and explain my situation and how these letters are trying to impersonate a company by saying they had an account when In Fact no such account has been opened and they are asking for the customers to repay the banks back giving discounts if we could pay back the money by a certain date.. I have not not will I pay anything to these scammers
Consumer complaint received 2021-06-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NV)

I have a home equity loan with US bank. 
An internal error has shut my access to this money. 
This is an internal bank error and I have tried for several weeks to get this resolved. I have gotten nowhere, and I am completely frustrated with all the excuses as to why nobody can resolve this. 
US bank claimed the property taxes on the collateral property were not currently paid. I faxed a copy of my tax bill, which showed all taxes are paid up and no taxes owed.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I Called To Get More Information On A Debt Through Portfolio Recovery. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report
Consumer complaint received 2019-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (OH)

This complaint serves as a follow-up on complaint # XXXX. Previously, my student loan servicer " University Accounting Service '' ( UAS ) informed me that I held a student loan owned by a lender " XXXX XXXX XXXX '' ( XXXX ). UAS would not provide a copy of the master promissory note nor would they provide contact information for the listed lender XXXX. My own investigation of this lender suggests that this lender either does not exist or can not be contacted, which I believe violates my rights as a borrower. As a direct result of my previous complaint with the CFPB ( # XXXX ), UAS did eventually provide a master promissory note for this loan signed in 2008. However, both the creditor and the lender listed on the master promissory note have since declared bankruptcy. Given that neither the original creditor/lender nor the current lender can be contacted, I have serious concerns that my rights as a borrower are being violated in that I am unable to verify to whom I owe this debt. I am requesting that either UAS provide valid contact information for the lender or that UAS provide documentation that the lender ( XXXX ) is in fact an active organization ( there is no indication that this is currently the case ).
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-15
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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Consumer complaint received 2019-07-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (UT)

Paypal.com tell me i need to give copy of driver license, copy my social security number, just to open account. Which i been with PayPal for 10years, then I close business, then i open personal so can buy on XXXX. I been buying on eBay without using PayPal because all XXXX they keep telling me i need to do. XXXX been sending my stuff to same address i give paypal, paypal say 's i can't use address, and give them copy of my electric, gas bill. Well about 5-10 years ago paypal Refused my Social Security Number, saying its not mine. Supposedly it belongs to there employee, i told paypal to give me more information so i can turn to law enforcement. But paypal asking for to much information to open account. Other people i know never had to give copy of their license, SS # .please help me!
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (TX)

Payment is overdue by 1 month, have been receiving calls excessively every day starting at XXXX and throughout. Have received over 4 calls within the first hour and over 10 calls a day. When answered the system does not respond