davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (SC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on RC/RESURGENT RECEIVABL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-04-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC (MD)

Settlement date XX/XX/2020 agreed FHA Payment XXXX After about 4 months living at my home. 
Now company EPM is saying I owe escrow XXXX All of my payments have been on time. 
A XXXX City Tax issue/ closing issue EPM over paid Taxes and wants me to pay it back in my Escrow I have been going back an forth with EPM for the past 8 months and Im not getting any where. I am a single mother with XXXX children and I should not be obligated to pay any kind of money back for someone elses mistake. XXXX City Tax Authority needs to reimburse EPM their money. I need help this has become very stressful. I would like to try to resolve before hiring a real estate attorney. 
If someone can please help me, I would really appreciate it. 
Thank you!
Consumer complaint received 2019-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (OR)

On XX/XX/2019 I sent a wire transfer from my Citibank XXXX account to my XXXX XXXX Account for {$800.00}, the same as I have done in the past. 

Citibank N.A. ( U.S. ) charged me a {$30.00} fee, even though I had already paid their subsidary in XXXX {$2.00} for the wire fee. I was informed by Citibank XXXX that I should not be charged any fees when the intermediary bank is CitiBank U.S. since I am a Citi Priority member in XXXX. 

I contacted XXXX and they advised me that CitiBank N.A. charged the {$30.00} fee. CitiBank XXXX apologized but since this is XXXX is unable to refund the {$30.00} fee and directed me to contact Citibank N.A..

I contacted Citibank N.A. on XX/XX/2019 at approximately XXXX and they stated that I need to contact Citibank XXXX. However, XXXX XXXX acknowledged that Citibank N.A. ( U.S. ) did charge the fee. 

I have a CitiBank U.S. Credit Card however, Citibank U.S. has refused to open me up a checking account which would allow me to use their CitiGlobal service to transfer funds between the two accounts. 

Wire Information : XXXX XXXX XXXX : CITIBANK N.AXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX TRN : XXXX
Consumer complaint received 2019-06-07
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: AMERICAN EXPRESS COMPANY (CA)

I WAS SCAMMED BY TWO DIFFRENT COMPANIES. I PAID XXXX  XXXX   {$990.00} WITH A CHECK ON XXXX. I ALSO PAID XXXX XXXX XXXX XXXX 4 DIFFRENT TIMES USING MY AMERICAN EXPRESS CREDIT CARD ONXX/XX/XXXX..XX/XX/XXXX {$390.00} EACH TIME.. {$1400.00} ON XXXX AND ANOTHER {$1500.00} ON XXXX. THESE COMPANIES DID NOTHING FOR ME AND I HAVE TRIED TO GET MY REFUND AND NOTHING HAS HAPPENED.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DE)

To whomever, My loan was sold to Loancare in XX/XX/XXXX/XX/XX/XXXX since then I have had nothing but problems with the XXXX  / Loancare processing. 
# 1 First they converted my loan with my old address and sent emails to advise me, to my old address, from 3 years ago, so Mail is not being forwarded.

# 2. Tried to charge me for Homeowners insurance because the inforce policy information never carried forward, took two months to resolve this.

# 3. Tried to charge me for FEMA flood insurance, never carried forward my inforce policy. Took 2 months to get that straight.

# 4. Insult to injury, after sending copies of inforce, paid in full policies, They tried to say I needed to escrow so they upped my mortgage payment. In 25+ years I have never escrowed! 
# 5. Been on the phone with Customer Service 5 times since I am unable to get onto my online account. I have subscribed to electronic statements, they send emails but I cant access my account.

I have had enough of the miss handling of my account almost to the
degree of wanting to refinance just to get away from this company. Worst ever!

See below screen shot Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, De XXXX From : XXXX Date : XX/XX/2020 at XXXX XX/XX/XXXXEDT To : XXXX Subject : LoanCare User ID Request This message was sent securely using XXXX Thank you for using XX/XX/XXXX Web Access to your loan information. 
Your user id request is complete. 

User ID is XXXX Loan number is XXXX For assistance or questions : Client Phone is XXXX To access your account, please go to https : //www.myloancare.com NMLS # XXXX
Consumer complaint received 2020-09-16
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. (LA)

I have errors on my credit report that the credit bureas refuse the remove. I am coming to you to fix the problems that they won't address. Can you please help me. these errors are hurting my credit profile. I understand that covid-19 is major but that still doesn't give them the right to report inaccurate information on my credit report. They're are laws and they should still be followed.
Consumer complaint received 2019-06-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

This complaint is in response to recent response to previous complaint, which was not satisfactorily answered. The company has not furnished me with the contact information for the person they said verified the information at the US Bankruptcy Court as they have it listed as the one who supplied the information. They have also not established their verification method, because again I do NOT CONSENT to any form of electronic verification. I have contacted the Court and confirmed that they do not report to credit agencies. So at this point as they are the only ones in question I'd like to know who else would have the right to report any such information. Your reporting that US Bankruptcy Court has reported this is INACCURATE and MISLEADING information. I do also, understand that I can sue. If you have valid information pertaining specifically to the issue I am addressing I would like that information. Please address my specific concerns. The answer submitted was general in nature. I would like the information requested as I have a right to it. Original signed paperwork with my signature. No proof means no authority. 

Thank You
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2019, {$2000.00} charged off accounts with XXXX balance and 1099 sent to irs, now changed XXXX ( old account owner to charge off when at the time it was not a charge off just a transfer to new company XXXX XXXX now they are double posting, restated that it was a new debt and changing information to ruin my credit. This is an old debt as well. I want the capone/bestbuy transferred account removed from my credit as you can not double post the same debt. They are also reporting that it is a current credit card with balances suddenly. Transunion is constantly down and not allowing reporting these errors and previous transunion credit fixes stayed pending.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (SC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Braviant Holdings, LLC (TX)

I have contacted this company and sent letters advising them that I was opting out. I called the phone number, went to the website and mailed several letters to XXXX as instructed. I have already filled out a Permanent Opt-Out Form but the company continue to send me mail. Sometimes I get letters from Balance Credit at least 3 times a week. It's annoying and very harassing. I really want them to stop harassing me.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MI)

I applied for a checking account with Chase Bank. I already have a credit card account and a self-directed brokerage account. I tried to deposit money into my self-directed brokerage account when I received a land contract payoff last year. The would not let me deposit the money directly into my account. They said I needed to meet with a service person and I need to make an appointment but due to COVID, they weren't sure when they would be able to meet with me. So I had no choice but to deposit my funds elsewhere as I wanted to reinvest the money immediately, not lose a week or weeks, etc. They would not give me an appointment at that time, they said someone would call me to set it up. So, just a few weeks ago I decided to open up a checking account, they were offering a {$200.00} rebate for opening an account on line. When I applied, they would not give the {$200.00} rebate and said I needed to add a direct deposit to the account within so many days and then I would get the rebate. Then I received an email on XX/XX/22 saying I was approved for the checking account. When I tried to sign in to access the checking account it said my account was blocked for security reasons. I called and they said they closed my account. I asked why. They said they would not disclose why. That I can't open any more accounts with Chase in the future. No reason given. I tried to call three times and was told three times that they won't open any accounts for me and won't tell me why. I have an approximate XXXX credit score, I checked my XXXX and no information on that. If they suspect fraud, I should be able to satisfy their questions, come in and prove my identity. Whatever is required. This is very stressful. I am constantly wondering why in the world I would be denied a checking account. Please help me get some answers, so at least I have peace of mind that they made a mistake and I didn't do anything wrong.
Consumer complaint received 2022-03-01
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: Choice Recovery, Inc. (OH)

XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} CHOICERECOV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$210.00} RECOVERY XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX
Consumer complaint received 2019-06-07
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. (TX)

I recently obtained my credit report and FICO scores from all 3 major credit bureaus Experian, XXXX, and XXXX. All 3 credit bureaus have the exact same accounts and credit history. They are all reporting the same information to lenders. XXXX is reporting a FICO score of XXXX which is an excellent credit rating. XXXX is reporting a FICO score of XXXX which is a good credit rating. Experian is reporting a FICO score of 590-630 which is a Poor/Fair credit rating. There is a difference of almost 150 points on XXXX FICO score. Most lenders use Experian to extend credit to consumers. Therefore, this gives lenders an opportunity to charge consumers more money in finance charges and interests. Lenders are aware that Experian have inaccurate and outdated FICO scores. Therefore, the consumer is victimized and taken advantage of ... According to the Fair Credit Reporting Act, this is an illegal practice. Due to Experians inaccurate FICO score, Ive been declined for credit opportunities and charged more money for financing.
Consumer complaint received 2021-05-03
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: Experian Information Solutions Inc. (VA)

For the past year I have been attempting to navigate a debt with experian and have not been given a thorough investigation inregards to my consumer transaction report with experian. I have sent multiple letters asking for Validation of debt, method of verification and have not been given any. I have asked for experian to show me how they are validating a debt that the other consumer reporting agency could not and have not gotten anything. I also wasnt given the proper notification to validate debt, and as the original creditor I DO NOT validate this debt. Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report.Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. These inaccurate findings are causing me distress and have stopped me from getting a home and riding employment. Attacking my character as someone who doesnt pay his alleged bills which is a violation of 15 USC 1692d ( 1 ). I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately.
Consumer complaint received 2021-01-29
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. (TX)

The address updated incorrectly. - Wrong zip code XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted - Dispute this Address XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have had a mortgage for many years with Wells Fargo XXXX XXXXXXXX always paid on time. Because of where we live we have homeowners {$7000.00} and winstorm {$11000.00} on our home. On XX/XX/22 our windstorm was cancelled by XXXX, then by XXXX and all of the windstorm insurance companies pulled out of the market. My wife is an insurance agent for XXXX and XXXX she tried through XXXX and XXXX and many other agents to find coverage. We found that there were either no insurance companies available or the premium is {$100000.00} ( yes, you are reading this correctly. As we continued to search for windstorm insurance Wells Fargo said that they were going to force place coverage for {$83000.00} for a coverage of {>= $1,000,000}. We have done many insurance applications and know that the replacement cost on our home is {>= $1,000,000} not {>= $1,000,000}. The {>= $1,000,000} is the amount of Windstorm coverage that Wells Fargo approved when we refinanced. And the amount we were carrying on the house when the windstorm was cancelled. Also, in my XXXX years of home ownership I have never submitted a claim. 
Not only is Wells fargo trying to charge {$83000.00} but it is on coverage that is double. I called and spoke to XXXX in insurance twice and told her to look at the original loan documents and requirements which would show the {>= $1,000,000} windstorm coverage requirement. Not surprising she did not get back to me and today I received paperwork for the forced place policy of {>= $1,000,000} with a premium of {$83000.00}. Something needs to be done Wells Fargo is gauging us with double the coverage that should be required and we can not get any reasonable windstorm insurance quotes for coverage. It is criminal that Wells Fargo is using the insurance crisis to take advantage of clients in a time of desperation and to further gauge the client by doubling the coverage requirement from what it was. this has to be illegal. I need help otherwise may lose the home that I have worked so hard to keep because of Wells Fargo unscupulous practices. I need help!!! 
I appreciate your quick response because Wells is trying to destroy me. 
ThanksXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX, and I am sending this request myself to address theinaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on JPMCB CARD XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX dollars were stolen out of my unemployment account over the span of four days. Started on XX/XX/XXXX. They pulled out max amount each day. The XXXX, XXXX, XXXX, and XXXX of XX/XX/2021. I called Bank of America and opened up a claim. They denied it over and over. I have even filed a police report and faxed them proof that I was out of town the days the fraud started happening. Bank of America said my chip was used, although it was a card issued with no security chip. Ive had to open this claim with them about 4 times and its still being denied.
Consumer complaint received 2021-06-06
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. (NC)

We have two ( 2 ) XXXX account entries within one consumer file. 

One recent, current, in good standing.

One delinquent, verified, updating monthly.

Shouldn't the one delinquent be corrected to reflect settled, or removed at best?

Regarding the one delinquent, direct disputes were initiated. Responses to XXXX unfavorable, verified as accurate. Challenged was the completeness of the furnishers reports. There's truly nothing there. 

At this stage it really is a best action to submit XXXX. 

Payment submitted to creditor electronically via XXXX.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I set up a bill pay to my bank. So I thought. I received a check for XXXX. I received an email stating I have Insufficient funds and was charged {$35.00}. It said payment made NO. Then why am I holding a check? I deposited the check. Which is going to bounce according to the representative. I'm told that they cant stop the 2nd attempt to pay ( which I don't get ). So I am going to be charged ANOTHER {$35.00}. This is ludicrous. Of the funds were not there why cut a check at all?