davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
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)

Experian despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MS)

I was told that I didnt have to make any payments during my modification process. However, my credit report was negatively impacted while going through the modification process. I DONT BELIEVE THE COMPANY WAS TRANSPARENT IN THE WAY THEY HANDLE MODIFICATION. If I knew that my credit was not going to be cleared, I would have looked at another route as opposed to a modification that damaged my credit. My credit report was negatively impacted XXXX XX/XX/XXXX 

-I was assigned a Relationship Manager who was never available and non-responsive. On multiple occasions, I had to reach out to her Manager or a co-worker to try to understand the status of my account and ask questions. Everyone, I spoke with acted as if they were oblivious as to what was going on with my account and I was constantly getting conflicting information. 
-On XX/XX/XXXX, after extreme frustration and getting conflicting information, I asked for a new Relationship Manager to be  assigned to my case. 
-After making multiple calls, I was told that my loan documents were misplaced. I kept receiving new documents, new mailing labels and no one knew where the documents I submitted were located. This delayed my modification process. I was told by Management that the Company had a new vendor who was responsible for sending out loan documents. I should not be held accountable that the vendor made mistakes.
Consumer complaint received 2020-08-21
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. (VA)

I was a victim of identity fraud. Someone obtained an auto loan with XXXX using my identity and I have filed a police report and met with a police officer to give all the details. 
The XXXX auto loan is still being reported in my Experian profile as a collection/chargeoff and it's affecting my overall credit profile. 

I have filed a complaint with XXXX and Experian, but Experian is still reporting. 

Please help.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-08-21
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. (OH)

I called Experian from XXXX until XXXX requesting to have information removed from my credit report due to unauthorized. Fraud, Or incorrect information I am a victim of XXXX  breach of data. So I am not sure what information has been breached regarding my identity or personal information. I found several major mistakes with unrecognized reporting, and name as well as addresses. I requested to have them removed from my credit. Instead of removing the information the credit bureau updated to my current information. And so information was stated updated but left the same under my report. I want Experian to completely remove the incorrect information as requested under the circumstances. I will attach documents showing what what done to this complaint.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I closed on a cash out refinance with Quicken Loans ( now Rocket mortgage ) in XXXX of XXXX at an interest rate of 3.99 % for a 15 year mortgage. 

About three months later they contacted me repeatedly ( over 20 phone calls ) to tell me that they could refinance my mortgage at a lower rate ( in the 2.5 % range ). I agreed to go through the process as it would decrease my interest costs. Over the next 4 months I repeatedly responded to multiple requests for documentation. I responded to every request. They told me the closing was delayed due to Covid and kept extending the process. Eventually they decided that they wanted to run my credit report again ( the third time in a year ) and then suddenly ended the process in XXXX. The process lowered my credit score and prevented me from obtaining a home equity line because of their false promises of an imminent closing. 

One month later they began calling me again to say that they had a new process and could now refinance my loan. They called me over 30!! times. Eventually I decided to try again ( given they had completed the first mortgage in XXXX I assumed they were being sincere and maybe just had a Covid related hiccup ). With that said, I again fulfilled every information request they had. After two months of providing documentation to them, they contacted me to say that due to a change in underwriting requirements which they refused to explain ( XXXX XXXX from the Leadership Team called me to tell me that ) they could not complete my refinance.. 

After closing my loan they have begin calling me again to refinance my mortgage. 

Their abusive process has cost me significant time and money due to the negative effect it has had on my credit score and the associated additional interest costs I have incurred. Tey have tied me up for over 9 months with promises to close on a loan that apparently they never had any intention of completing. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-03
Product: Prepaid card — Transit card
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (MN)

some guy called me and said are you looking for loan he was from payday loan. since my credit was no good I had to show I could put {$150.00} on a prepaid moneycard from Walmart. this guy name XXXX XXXX said I wo n't take out and you can use your card in about XXXX min. I went to activate it and they put the card in there name and I ca n't use it I have the card from XXXX here. the # XXXX XXXX XXXX XXXX. please stop that card before mailed to that person I can get my money back.
Consumer complaint received 2020-08-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Capital Funding, Inc. (FL)

I purchased my condo threw habitat for humanity about 10 years ago. Habitat  sold my mortgage to a company called affiliate mortgage services on XX/XX/2020. As a 5 unit condo in Florida our association never required us to have a HO6 policy. The new lender is now requiring it. XX/XX/XXXX I received my first letter informing me to purchase ho6 ins and the second letter was XX/XX/XXXX. I purchased HO6 insurance on XX/XX/XXXX and provided it to AMS. Affiliate mortgage services is stating I owe them for the months of XXXX, XXXX, and XXXX. I have requested a copy of the policy and a canceled check proving I have forced placed insurance in place and I have not received any formal documentation other than a statement saying I owe them money. Also Id like to add ho6 insurance is not required in the state of Florida, it was not required by the previous lender and was not required by the condo association. As none of the 5 units have had ho6 in the past 10 years. I feel like this company is doing this to every homeowner in the keys as they have purchased all of habitat for humanitys mortgages. Thats thousands of homes and homeowners they are doing this to, not to mention we were on a stay at home order in XXXX. I think this company is trying to make a ton of money on unsuspecting people who were never required to even have this type of coverage. I would appreciate any help you could give. Thank you.
Consumer complaint received 2021-11-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, to about 60 days later I have not received a response yet. I feel like I am 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should have been 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 Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-08-21
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. (IL)

XXXX  despite being set up on payment arrangements with XXXX XXXX  and under the CARES act did not report my account as current from XXXX to present. Per Fair Credit Reporting Act inaccuracies should be removed.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX agency is appearing on my credit report again. I have disputed with credit bureau. The XXXX still hasnt validated the account was mine and I asked it to be removed And it was from XXXX XXXX but is appearing again on XXXX XXXX and Experian and XXXX. This is hurting my credit report and need to be removed
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

I was a with AMEX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on my accounts AMEX Date opened XX/XX/XXXX ( XX/XX/XXXX ) and AMEX Date opened XX/XX/XXXX ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2020-10-14
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. (PA)

I want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I logged into my Chase account and saw that all of my personal and small business credit cards were closed. I was given no other explanation than I had too many credit lines open on my credit report and they have the right to close any account at any time if they choose to do so. I asked several Chase representatives to reconsider and I was told many times that the decision was final and there is no possible way to re-open them. I've never missed a payment on any credit card, loan, or even bill payment in my entire life, and my paycheck direct deposit goes to my Chase checking account every 2 weeks. Not to mention I use the business checking/credit cards for everything I do with my business on the side. 

To be treated this way by a bank who I've done lots of business with is despicable, as is their refusal to even consider the expectations of their customers. I also have a hefty amount of rewards points saved up that will now expire in a few days, so I need to use them immediately, rather than save them for when I am actually planning my next trip.
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

THIS IS NOT A DUPLICATE! THIS IS NOT A DUPLICATE! 
The last complaint was not a duplicate. Below is the same complaint with different circumstances from the first. The first was transferred from the Federal Reserve. 

On, or about XX/XX/XXXX of this year, I file a complaint with Ally financial in regard to the way they have handled payments I made online toward my auto loan. I have been late for quite some time I know, but in XX/XX/XXXX Ally made some shady transactions involving my account. I spoke to a representative on XX/XX/XXXX about my loan. The conversation got heated, and I could tell the rep was upset. When it was all said  and done, I told him that I would be making a payment online that night. I made the payment, and got a confirmation number. I thought nothing of it, until I went back online to look at my account on XX/XX/XXXX. When I entered my account I saw where there had been several transactions. There were three " reversals '' and one "  return '' on the XXXX and XXXX. So I called Ally that day and they had no explanation. I made another payment that day. I then filed a complaint with CFPB to which the institution said they had conducted an investigation and determined that it was my fault, that I had clicked on a account that had been closed to make the payment. I told the representative that it was impossible for me to do that because there were no other accounts showing as method of payment. She told me I was wrong and their system was showing one. I told her I would send her a screen shot of my account and the payment methods listed. She would not let me do it. I then started my own investigation where I found some interesting stuff. One,  during the course of the last year, the months that payments were applied the loan balance did not match. Example, in XX/XX/XXXX a payment was made of {$500.00} for the month of XX/XX/XXXX. The loan balance went from {$10000.00}, to {$9600.00}. That is a difference of {$980.00}, much more than the paid amount. But then, a payment was made in XX/XX/XXXX of {$500.00}. The loan balance stayed the same at {$9600.00}. Then in the month that got this all started, XX/XX/XXXX there was another instance where there was no change. My  personal belief is that the representative that got mad at me had a personal agenda. If he stopped the payment, and reverses another, that would accelerate a re-possession, and or would make me have to come out of pocket for a much larger amount of money. I am including monthly statements and the letter that I received, along with screen shots of my account. Look closely at the " due dates '' and " date paid '' on the statements. From XX/XX/XXXX to XX/XX/XXXX, there is no change. Yet I made a payment on XX/XX/XXXX that was reversed and returned, and then another on XX/XX/XXXX that is not reflected. I have been paying a monthly payment of {$500.00} every month, yet the balances are different.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Delinquent account — 
Company: WELLS FARGO & COMPANY (FL)

I its my job. Fell begins my payments. Finally found a job. Trying to get a hold of Wells Fargo to make a payment. Wells Fargo had a message stating XXXXXXXXXXXX representatives can help me at this time. Yesterday at XXXX XXXX Wells Fargo credit line collections called and disconnected the phone as soon as they heard my name. Then Wells Fargo calls stating I am not answering. I have video recordings of the phone calls.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

The homeowner was approved for Maryland Homeowners Assistance Fund ( MDHAF ) assistance sufficient to cure the entire default with PHH Mortgage in XX/XX/2022. This payment was sent to them via certified mail and they signed for it, but they still have not found it. A copy of the HAF award letter is attached.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This complaint is regarding Capital One 's recent decision to not allow data sharing with third-party companies, even though the consumer/account holder has authorized the third parties to access said data. This new " policy '' has literally cost me financially. I as a consumer and Capital One account holder, insist that Capital One return to it's previous practice of sharing data with AUTHORIZED third parties.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/22, my account was charged a {$25.00} maintenance fee by TD Bank. In XXXX, I maintained a balance over {$2500.00}. On XX/XX/22, my balance was {$3700.00}. On XXXX, I got an official check in the amount of {$1200.00} to pay my XXXX rent. Leaving me with a balance of {$2500.00}. On XX/XX/22, I was charged a maintenance fee of {$25.00}. I should NOT have been charged a {$25.00} maintenance fee because my account was not below {$2500.00}. It was {$2500.00}. I did not withdraw any additional money after I got my official check to pay my rent on XX/XX/22. In XXXX, I was charged a maintenance fee because my account fell below {$2500.00}. That was NOT the case in XXXX. I want the maintenance fee that they took in XXXX to be credited back to my account. My current account balance is {$2500.00}. It should be {$2500.00}. Thanks
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (PA)

These accounts are erroneous. I do not recall said accounts and have made steps to try and get this issue repaired by all reporters. I have a right to fair credit reporting and to dispute anything that is incorrect.
Consumer complaint received 2021-03-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (VA)

I received a letter from Phoenix Financial stating they were trying to collect a debt I owed to " XXXX XXXX XXXX '' from XX/XX/2016. There is no such organization. I have paid my bills and do not owe medical providers, and if I was billed for something 5 years ago, I would have paid it back then. 
This company calls often, and we blocked their phone number, but they change the number they call from. Their letter also names a group " XXXX XXXX XXXX XXXX XXXX. '' A quick search of the Internet shows this group to be disreputable, with numerous complaints lodged against them with the XXXX 
I do not owe this debt and encourage you to stop companies like this from preying on consumers. Thank you.
Consumer complaint received 2018-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westhill Financial (CA)

West Hill Exchange has been harassing me since XX/XX/XXXX over a debt that was paid off in XX/XX/XXXX. I have provided them with banking info proving that the debt was paid, but still continued to get occasional calls. Now an employee named XXXX XXXX ( whose direct line is XXXX ) is calling me almost daily and threatening me with destroying my credit. When we speak he is nothing but dismissive and abusive, I have offered to show him the e-mail I have already shown to multiple people at West Hill Exchange, but he refuses to provide me his e-mail address. This is at the very least harassment bordering on extortion.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MI)

I reached out to Citi Card today at XXXX three times and each time the remote learning and Citi Card phone transfer issue continued to be disruptive in communicating with this FINANCIAL CORPORATION. Resolving issues can not be handled with this type of behavior. 
" Below '' is the last person who claims that they have everything in place to HANDLE CONSUMERS THAT HAVE BEEN AFFECTED BY THE XXXX VIRUS AND THE STATE OF MICHIGAN BEING SHUT DOWN FOR 11 MONTHS. 
XXXX XXXX Regulatory Complaint Specialist Citibank , N.A . 
XXXX XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TN)

I've received numerous calls to my personal and work phones regarding a debt that I do not believe was opened by me. I've repeatedly asked that they send debt validation info via certified mail so they can verify I received it but they instead persist in making calls without providing the debt validation info that is my right under the Fair Debt Collector Practices Act. They also consistently call both lines from spoofed numbers.