davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-11
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: AMERICAN EXPRESS COMPANY (KS)

American Express has handled this situation horribly. <P/>I tried to be civil with them and solve with AMEX directly for a month now. <P/>What happened was I added an authorized user to one of my cards via live chat. They incorrectly coded this as a credit inquiry, which is completely false because I already had the card. I then called and talked to the credit team at AMEX and they told me to fax in the documentation of the hard inquiry on XXXX, so I did. <P/>Now here a month later and its still on my credit report as a hard inquiry, which just infuriates me because I am trying to buy a house and they messed up and ca n't seem to fix it. I am requesting them remove the hard pull from my XXXX report as well as additional compensation in the form of XXXX XXXX to my account XXXX I shouldnt have to ask multiple times and wait months to get this removed. Make it happen, this is an ERROR on your part, which you guys admitted too already but ca n't seem to fix it?
Consumer complaint received 2017-06-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Simple Cash Loans, Inc., (CA)

Due to the XXXX of my father I had to take a couple of months off to be next to him. The only resort I had at that time is to take a car title loan from 5 star Loan in XXXX, CA. I keep prepaying larger amounts than my interest but my payoff amount is been stagnant. I have been suffering to pay off that loan and have reached out to them by email and phone numerous times because I do not think my larger prepayments are being honored correctly and this is why I have been stuck. Their calculations seem pretty confusion and their explanations are very vague and I suspect that I am being scammed. I Have already Paid {$6300.00} on a {$4100.00} loan and my payoff amount is still around {$3100.00}. I have emailed them specifics about my where I suspect discrepancies but they do not want to reply by mail and want me to call. I have called before and was lost in their explanations.
Consumer complaint received 2022-03-03
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-26
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. (OH)

My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for me.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This is the XXXX time I open a case against Experian because they don't have my name correctly on my credit report and they also have an address there that I was never associated with. 
My name is : XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank ( 1 ) Opened multiple account when not necessary, ( 2 ) charged fees on accounts that were supposed to be " free '', and ( 3 ) charged " Direct Connect '' fees, but called those fees as " QuickBooks '' fees on my bank statements when I never used the Direct Connect service.
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (NC)

I recently discovered today which is XX/XX/XXXX that I have a credit collections bill from a medical bill that was issued in XX/XX/XXXX with a balance of XXXX dollars.I discovered this by checking on my XXXX XXXX. I called the credit collections ( amcol XXXX sc ) and spoke to customer service said they have called which they have n't. I never received a bill in the mail by collections or XXXX XXXX in regards of having a overdue bill. I called the XXXX XXXX in XXXX north Carolina billing department to see the details of bill, the lady on the phone could not give me any information because the bill was 3 years ago. So I decided to call the head of billing and they said they would mail me the billing information that would come in a day or two.but I am certain that I have already paid the ramander of the bill since I did not have insurance at the time. I want to make sure everything is right before I have to pay for something I already taken care of years ago.
Consumer complaint received 2017-06-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OpenRoad Lending (OH)

I received a pre-qualification letter stating my interest rate would be 4.99 %. I applied online with the pre-qualification code and received an email saying I was approved. No where in the email did it say that I was n't approved for the pre-qualification rate. I received an email to call in to confirm some details. Only at that point was I told the rate was different then then the pre-qualification and after I was told I was approved.
Consumer complaint received 2019-05-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

I lost my job last year and fell behind on my mortgage payments. I contacted my mortgage company regarding a hardship program and was put on a forebarence with payments of {$910.00} per month. I was puzzled at first since Unemplyment was my only source of income and this plan would take more than half and I was only given a 2 week notice on when payments would start. I called to discuss these concerns with a representative who told me if I didn't take the payment plan then nothing else would be offered and I could be at risk of loosing my home. I explained that a 2 week notice would not allow time for funds to be available when the 1st payment was due and she told me that as long as I mad the payment by the last day of the month, the plan would be considered in good standing. 

I made the fist payment on the last day of the month when fund were available. I was dropped from the plan because the payment did not post until the next business day. I disputed the disqualification and was allowed to resume payments according to the forberance schedule. I made my XXXX payment on XX/XX/XXXX, which happened to fall on a Sat. The payment was accepted however ; I was just notified that I was once again disqualified from the program due to breach of contract since the payment did not post until the following Monday, XX/XX/XXXX. 

This is a contradiction since I was told that as long as the payment was received by the last day of the month I would be okay. I disputed the disqualification and my dispute was rejected.
Consumer complaint received 2017-06-26
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. (LA)

I must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that XXXX would not issue me BUT now XXXX will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called XXXX and Experian ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But XXXX and Experian when they try and call XXXX they get a different person every time and a different story every time. Neither XXXX nor Experian will correct the XXXX late payment based on the multiple letters from XXXX to me. They tell me they must verify with XXXX and XXXX will not verify they reported it incorrectly when the bureaus call them. I have that in writing from XXXX with the letter dated XXXX XXXX. XXXX then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by XXXX. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.
Consumer complaint received 2017-06-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company (IN)

On or about  XXXX / XXXX / 17  I started investigating an IRRL. I scanned and sent info to start the process. After a couple of days I was told by the Rep that I would have to get a  XXXX  acct to get the lowest rate. I sent a msg on  XXXX / XXXX /   17  that I was not going forward with this. I received a msg to do an  XXXX  which I did not do.   XXXX   XXXX    env elope postmarked  XXXX / XXXX / 17  with notice dated  XXXX / XXXX /   17  that our credit had been pulled came in the mail while we were out of town the week of  XXXX / XXXX / 17 .   I see two things wrong here. Telling me to get the lowest rate I had to open a  XXXX  acct and pulling my credit before my consent.
Consumer complaint received 2017-06-26
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. (GA)

Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX ,   XXXX   and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC (CA)

ACIMA charged bi-weekly {$57.00} to my account via ACH debit for a total of {$1100.00}. Below are the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called the company, on XX/XX/XXXX and they are a finance company that assist with lease to own furniture ( dish washer, television, couches, etc. ). They did not have my name as a client so they refused to provided me any further information. I also called my bank, XXXX XXXX XXXX and they were unable to refund the {$1100.00} back to my account. They would only refund 60 days of debit.
Consumer complaint received 2017-06-11
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. (MN)

I submitted several times to transunion and   XXXX   over incorrect dates used on credit report collection accounts  XXXX  accounts reported and  XXXX  wrong dates these are from healthcare related issues with daughter in  XXXX . Extremely upset as only accounts in collection and due to healthcare and I had credit insurance to make payments in absence of income and inability to keep income. They have brought my score down by reporting them from  XXXX ,  XXXX  and they are all o ver 4 years old.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$8400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX  {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  {$960.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-03
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

We paid off our HELOC on XXXX XXXX, XXXX and we have not been able to get Bank of America to discharge the mortgage. 

Can you please ask them to discharge my mortgage and record the discharge? 

Thank you very much.
Consumer complaint received 2017-06-26
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. (FL)

I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # XXXX XXXX XXXX/XXXX All XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/XXXX, you provided a response to my complaint XXXX ( attached ) wherein you stated that {$27000.00} was returned to XXXX on XX/XX/XXXX. 

That is a lie. After more than three weeks, the funds have not appeared in my XXXX account. I called Capital One customer service, and fraud protection several times and even obtained trace number : XXXX for the transaction. 

Today, Capital One fraud protection informed me that the {$27000.00} transfer never actually happened. She said I should call back in 3-5 business days and perhaps more info would be available then!!!!!! 

You've been lying to me for almost 3 months, and now you lied to the Government. 

Whoever accessed my XXXX account and transferred the {$27000.00} into the Capital One account ( the thief ), had control of that money for about XXXX minutes on XX/XX/XXXX, and then walked away empty handed. 

On XX/XX/XXXX, Capital One knew exactly who the stolen {$27000.00} belonged to, and where it was stolen from, yet here we are almost three months later. You still haven't returned the stolen money, lying to everyone, including the Government, even providing phony trace numbers to substantiate your lies. 

Who's the real thief?!!!
Consumer complaint received 2023-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/22 there were two wire transactions that were frauduently made on my business savings account with Wells Fargo. One in the amount of {$2000.00} and the other {$23000.00}. The fraud was reported to WF within literal minutes and technically before one of the two transactions was iniated. WF did nothing to secure funds, freeze the account, flag the account, or take any immediate action when this was reported. Due to this the 2nd transaction went thru. A recall was not initated for these funds until more than 24 hours had passed. All the while stating they were going to send a recall immediately and promosing that they would get to work on it immediately. Their neglegance has been brought to their attention yet they refuse to refund the money after their late recalls were unsuccessful. A report with law enforcement agency has been filed but investigation outlook is not promising.