davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

In order to prevent Wells Fargo from continuing to avoid answering questions, I will file a complaint for each point separately. 

Wells Fargo did not address the overage that I was told would have happened as a result of making the mortgage payment on XXXX XXXX. I was lead to believe that this overage would occur once the original loan was completely paid off and that XXXX XXXX payment would have been extra. If this was not to be the case, Wells Fargo did not clarify. 

Please tell me where in any of the responses does Well Fargo mention this overage. I have attached the email from XXXX XXXX in previous complaints but Wells Fargo has refused to acknowledge it. Here is what he said on XXXX XX/XX/2020 : XXXX Just wanted to try write out what we were discussing. If you make a payment tonight or tomorrow that payment may process and appear on the XXXX. If so, I can pull a new payoff and have the numbers updated. This would result in your loan amount going down. If the payment does not process until after signing then you would end up receiving a refund for overpayment. 

I spoke with my manager and she did confirm that late charges are assessed on the XXXX and we are not scheduled to disburse until the XXXX. 

If the payment was made on the XXXX as scheduled you would receive a refund for the overpayment because we would not be able to rework numbers prior to closing in this scenario. 

Please let me know if this clears it up and how you intend on proceeding so I can work this correctly for.
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAC Financial Corp (FL)

received a notification from all XXXX credit agencies that this entry was made to my credit history. have contacted the collection agency in question 4 times to try to verify the debt and get more information. To date ( 4 months later ) I have not yet received a reply. Have tried calling them 3 times only to hear that the manager will call me back. No-one has called me back
Consumer complaint received 2016-01-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade submitted false information to the IRS and refuses to correct it, that is the short story. 

More information : During the past years when I previously used my former Scottrade account, I noticed a number of problems with Scottrade 's XXXX submissions that they were reporting to the IRS. The problems included incorrect trade dates, improperly formatted items, and most severely incorrect profit/loss calculations. ( Brief research on this topic shows that Scottrade has a number of complaints about late, false, or incorrect XXXX. ) I contacted Scottrade to have these issued resolved and unbelievably, they refuse to respond and claim that because I am no longer a customer, I am no longer eligible for account services. Interestingly enough, the IRS agreed with me, corrected the problems and sent me a balance for the overpaid tax. Shortly after that and shortly after my complaints to Scottrade, Scottrade re-submitted unchanged XXXX forms to the IRS. The IRS then processed those forms and promptly asked for the balance that I had received back.
Consumer complaint received 2019-05-28
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. (TX)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX/XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX
Consumer complaint received 2015-11-13
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

I loaded {$300.00} dollars to a Rushcard on XXXX XXXX. The funds have niot been added to my balance to allow me to get the money. I have been calling for almost three weeks to have it fixed and am constantly rerouted with no solution.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00}
Consumer complaint received 2016-02-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (UT)

Original principal going from XXXX all the up to XXXX. Seems a little steep and no wonder myself and any others are having trouble repaying student loans. God forbid the school making false promises to students with guaranteeing career placement and being able to repay loans within the first couple years. I was able to get my federal loans on a repayment plan, but this " private '' loan through the same company is totally different. They want all the money, and they want it NOW.
Consumer complaint received 2016-01-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: INVESTORS BANK (NY)

I got a mortgage with INVESTORS BANK, for my brownstone at XXXX XXXX XXXX XXXX XXXX NY XXXX. I paid in advance {$12000.00} XXXX XXXX XXXX dollars ) for the appraisal, appraisal review, environmental report and engineer report. I have been asking for months that my appraisal is sent to me, the bank refuses and states that is the bank 's property and will only be released only at closing. By law I am entitled to a copy of my appraisal. On the term sheet -that I signed- does not say that it will be released only at closing. I called the broker XXXX XXXX from XXXX XXXX XXXX and directly the bank. My attorney XXXX XXXX XXXX XXXX. has spoken with XXXX and they still refuse to give it to me. They state that I have to send a letter of cancellation and refusal of the commitment in order to get it. This is unlawful. What can I do to get my appraisal? I am a XXXX XXXX, a widow, and have several times refinance my brownstone that I have owned for close to 40 ( forty ) years. Please help!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX phone XXXX XXXX XXXX email : XXXXXXXXXXXX Many thanks
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My divorce several years ago left me financially devastated ( custody dispute, illness & more ) and I still am not recovered. I had to sell my house after never missing a payment for years. 

Only I owned the house before, during and after divorce. No one could explain why the credit union called in my mortgage. I sold it after spending lots to upgrade it for sale and have lived in apartments with no hope of buying a home again. I have taught high school history for 25 years in rural NYS. 

I found out via creditkarma that there was a public record of a lien against my house for an unknown judgement against my ex-husband. He had paid it and a year ago I sent proof to the credit companies that it was paid. 

It now shows that it was paid, but I understand that public record on my credit history seriously damages my score. Because my ex-husband never owned the house, I believe this item never should have been on my record. 

I believe this information caused me to lose my house and now ca n't get a credit card, and pay outrageous interest rate for an old car XXXX XXXX XXXX ) and insurance. 

I have other problems with credit cards from that same era for which I am starting to declare chapter XXXX bankruptcy XXXX massive rate hikes and insane fees from XX/XX/XXXX + " sewer service '' notices XXXX. 

Any steps at improving my situation will help tremendously. I have custody of my XXXX year old daughter and deal with health problems ( recently had a XXXX, but have recovered miraculously so can return to work XXXX. 
TRANSUNIONex-husband : XXXX XXXX XXXX Tax Lien XX/XX/XXXX Paid $ XXXXPublic Record DetailsReference Number XXXXDate Filed XXXX XXXX, XXXX XX/XX/XXXXStatus PaidAmount $ XXXXClassification LienType Tax LienContact DetailsXXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX ( XXXX ) XXXXI am : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I hired several different companies to secure a loan modification and paid XXXX dollars in advance to the companies who violated XXXX and I never received the services or the loan modification I needed in fact I lost my home to foreclosure. The companies I hired and paid are : ( 1 ) XXXX Legal Document Professionals XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX paid {$2500.00} ( XXXX ) XXXX. ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX paid {$12000.00} ( 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX ( 4 ) XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX XXXX paid {$3000.00}.
Consumer complaint received 2015-09-09
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (SC)

I have an American Express Prepaid Redcard. It is loaded at XXXX. I went to a XXXX on XXXX XXXX, 2015 at XXXX. 
I loaded {$490.00} to my Redcard using my debit card. The receipt printed. On the receipt in showed an incorrect balance for the Redcard. This indicated that the load failed on American Express end. The receipt also shows that the money came off of my debit card. I initiated a dispute with American Express at ( XXXX ) XXXX immediately. I kept in touch with American Express for XXXX weeks. Still no money. On XXXX XXXX I spoke to someone at American express again. They got someone on line from American Express in Utah. This person was XXXX XXXX. XXXX said send him a copy of my receipt and I would have my money in XXXX days. It has been XXXX days since then and XXXX days since I first contacted AMex. XXXX XXXX ' XXXX email is XXXXXXXXXXXX. I have sent numerous messages to him with no response. So this evening I called the number again. I was told they were not doing anything. That they determined no money was due. 
So they take the money off my debit card, do n't load my prepaid card and keep the money. This is unacceptable. 

I have attached a copy of my receipt. This clearly shows the money was taken from my debit card.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX Bank # XXXX reporting paid as agreed, but showing XXXX 30 day late payments, reporting payment status worse delinquent none reported, inaccurate, Account # XXXX XXXX XXXX  # XXXX, 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2020-10-02
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. (AZ)

I have sent many disputes throughout 2020 in regards to my issue with ID Theft. Last dipsute was sent to XXXX, Experian and XXXX  with zero resolution on XX/XX/2020. They are supposed to block the accounts within 4 business days and then do the investigation, the issue is they never were removed and pursuant to 605B of FCRA that is illegal. These accounts arent mine and not only that but XXXX  XXXX is refusing to remove the fraudulent account off of my credit. They say its verified and accurate. HOW DO THEY VERIFY THE ACCOUNT, someone took my information and openeed the account in my name and then used the account without me knowing. This is a serious matter and it is a felony and im not going to put up with being abused by the financial system.
Consumer complaint received 2016-06-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc (NY)

I used PayPal Credit to finance the purchase of a IPhone 6 on XXXX. PayPal Credit promises protection when buying online and this encouraged me to use PayPal Credit when purchasing from XXXX. I received the IPhone XXXX and after a short while, XXXX " LOCKED '' the telephone due to some fraudulent activity by the prior owner. I could no longer use the IPhone. I immediately contacted PayPal Credit for assistance in combating the fraud perpetrated upon me. Also I am still paying off the IPhone by using XXXX XXXX 's 18 month payment plan. XXXX XXXX refuses to assist me in getting credit back from the seller because PayPal Credit claims that 14 days had lapsed prior to me contacting them. However, TMobile did not lock out the phone during the first 14 days. I relied on PayPal for this type of fraud protection. 

XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX -negative {$560.00} Payment Paid withPayPal CreditXXXX x {$35.00} Make a PayPal Credit payment Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX your shipment XXXX XXXX, 2016, Sent by XXXX : ShippedTransaction XXXX Seller XXXX Ambulance XXXX XXXX ( XXXX ) Your purchase New Sealed iPhone 6S XXXXGB - Space Gray ( XXXX ) {$560.00} Item # XXXX Shipping {$9.00} Tax {$0.00} Purchase total {$560.00} Fee {$0.00} Total {$560.00} Need help? First contact the seller through eBay to try resolving the problem. If it 's still not resolved, go to the XXXX XXXX XXXX. You may be eligible for purchase protection.
Consumer complaint received 2023-03-16
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. (OH)

Hello XXXX XXXX, I called Equifax credit reporting agency and informed them of inaccurate inquires, accounts, and collections, being reported on my consumer report. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. They were asked to validate the information they wrongfully furnished out.
Consumer complaint received 2021-01-26
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: JPMORGAN CHASE & CO. (MA)

Quick Summary : Purchased Disputed the Amazon Refunded on XX/XX/XXXX Chase returned payment to Amazon on XX/XX/XXXX ( via letter to us. Rebill was noted on XXXX statement between XX/XX/XXXX and XX/XX/XXXX ). 
Redispute declined by Chase ( via letter of XXXX, XXXX ) Email on XX/XX/XXXX from Amazon states that Chase returned money to them and they consider the matter closed and will not refund the money back to our account. 

Detail : XX/XX/XXXX : Purchased an adjustable bedframe through Amazon third party seller. Third party sent incorrect frame ( lesser quality model ). I requested a refund through Amazon. The third- party seller either ignore my requests for proper return shipping and schedule pick-ups or continued to send me the parcel select label from the USPS . This method only allows for a max of 70lbs. The item is 114 lbs. Finally, on XX/XX/XXXX, Amazon and the third party agreed that they would permanently refund my money and that I did not need to return the item. 

Prior to the refund going through, I filed a dispute with Chase, the credit card I used for the purchase. When they asked for documentation, I sent it through my accounts secure messaging system noting all of the communication I had with Amazon and the third-party seller up to that time ( prior to XX/XX/XXXX ). 

XX/XX/XXXX, we received notice from Chase that Amazon verified that the charge was valid ( not ever mentioning the communication I had with them and the third-party seller ). When I called Chase, they said they never received my documentation but said I could submit a redispute, which I did. I sent all information, including documentation of the permanent refund on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase stating that they again denied my dispute and that the charge will stand. They said that since they already returned the money to Amazon, they cant take it back again. Similarly, Amazon said that since Chase returned the money to them, they cant give it back again. My wife and I have called Chase several times to address all of this and even the dispute manager is refusing to acknowledge the documentation I submitted during the redisupute.
Consumer complaint received 2024-02-23
Product: Credit reporting 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)

Reviewed most recent credit report from ( insert credit name ) and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I have tried having a bankruptcy that is shown on my XXXX and Experian credit report removed and it has come back verified after each dispute. I contacted the Court where it shows the bankruptcy at and they state that they do not release public records to 3rd party reporting agencies. Without that information being released from the court this information is not verifiable.
Consumer complaint received 2015-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (TX)

I have XXXX and pay what I need to pay each time. I saw XXXX collection accounts on my credit. My insurance paid my medical bills. I sent to this agency to validate the debt and they did not validate it. This agency is not Bonded to collect in my state. I checked on the Secretary of State Site and entered their name and address. It says there is not a bond for them. This agency never sent me a letter or anything stating that they are putting anything on my credit
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (UT)

I keep asking Experian to investigate an item on my credit report. I have submitted the burden of materials of proof and they keep responding saying that the request is not coming from me. I have provided my identification and their copies and my signature and they keep saying that it is not coming from me.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I deposited approximately {$10000.00} into a Bank of America ATM. The check was issued by XXXX XXXX XXXX and it was the third of its kind deposited to the same account over the last 90 days. 
We processed some bills and on Monday XX/XX/XXXX an ATM transaction was declined. I checked the account and found that Bank of America had reversed the deposit without calling or emailing me. They debited my account for {$10000.00} and causing it to go negative and bounced a number of payments. 
I called and was told that the check was reversed because it was not endorsed. Meaning it was my fault. I insisted that the check was signed and the next customer service agent was able to confirm this by looking at the scanned check image. 
They are not crediting the account and I was told I have to wait between 2 and 12 days for a decision. 
I have NO CASH as a result and more bills are going to bounce. I can not take out cash for gas or food. 
I did everything right and Bank of Americas error is causing a tremendous amount of difficulty and stress and anxiety. We have no recourse and they will not release any of my funds to help cover my family.
Consumer complaint received 2016-05-07
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC (IL)

I filed bankruptcy XX/XX/2015 castle payday was included in the bankruptcy and now I have been receiving calls from wanting me to repay the loan I have explained that I have filed chapter XXXX and have given them the case number and the attorney # and have asked not to call the cell my they continue to call