davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SD)

When paying off a mortgage, Wells Fargo does not supply final statements and complete accounting for the mortgage or escrow accounts. 

I have had no fewer than 4 mortgages that I have paid off with Wells Fargo and each time the company failed to provide complete accounting of the mortgage and escrow accounts. I track my own transactions and every time I have paid off a loan the and escrow account is refunded to me, the amount I receive does not match my records or even the last escrow balance on my mortgage statement. 

When I call to get a final statement with a XXXX balance, they say they never supply the final statements. This is a very suspicious practice! They do everything they can to hide the details of the payoff accounting. Since the refund amounts are always less the amount I expect, I suspect there are charges or or fees that are being incorrectly charged and they are trying to hide it from the consumer. 

As you can see in the attached documentation, the mortgage escrow balance on XX/XX/XXXX was XXXX, but my refund after making one additional payment to the escrow account was {$1700.00}. According to my records, {$370.00} is unaccounted for.
Consumer complaint received 2018-06-07
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 (UT)

On XX/XX/2017 I paid Capital One the balance of my credit card online in the amount of {$470.00}. I then inadvertently made a second payment online and overpaid my credit card by the same amount of {$470.00}. The payment cleared and my account is showing a credit balance for the {$470.00} with Capital One. I have called the company repeatedly, the first time they said they had sent the credit in the form of a check back to me to an address I no longer lived at. I asked to change my address and to re-send the refund, they refused to do either. After speaking with them again today, they are refusing to send a refund at all. They are now telling me that it is in their fraud department and they don't and won't send that credit balance back to me, even though they know both payments have cleared, they do have my money, and there is no fraud.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP (FL)

I have been making a lot of payments every single month on time I dont understand why my credit got hit so hard I traded in my XXXX XXXXXXXX for a XXXX XXXX XXXX and to my knowledge. I had great credit now all of a sudden today on XX/XX/XXXX Monday I try to trade in my XXXX for a XXXX of the year and it turns out my credit went from great to XXXX someone, please be so kind to help me with this one. I feel like the people I did business with in XXXX have been dragging their feet to report my payments. Otherwise, I would have no clue why my credit got hit so hard.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have two medical bills on my credit report from Wakefield and Associates for {$2900.00} and {$600.00}. These bills were supposed to be covered by my health insurance, XXXX. I have talked with XXXX on many occasions and they informed me that it was an error in their end and that they were in fact supposed to cover these costs. I have talked with XXXX three times over the last few weeks only to be told that they are resubmitting the claim each time. I am attempting to refinance my house and this is the only reason I can not. I have also talked to Wakefield and Associates who has the debt now. I also had XXXX call Wakefield and Associates to inform them that XXXX will be paying the amounts. Wakefield and Associates tell me they can not remove it from my credit until XXXX pays it. 

As mentioned above, I have called XXXX multiple times. The first time I was told it was going to be expedited and would be handled within 24-48 hours. I called back a few days later for a status update only to be told it would be 7-10 days. I then called back a week later and was told the didnt get submitted, but they would submit them again, which pushed it out another 7-10 days. I then called this evening and was told that they hadnt been processed yet but he could resubmit them again to see if it would speed it up. When I told him this wasnt acceptable because I had been told this many times already, he said I have been beat up all day and hung up on me. 

I am requesting these collections be removed from my credit report as soon as possible as they were not my responsibility, XXXX has admitted fault, and stated they will cover them. I am unable to refinance my home because of these two collections. 

Wakefield and Associates Account number : XXXX
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!
Consumer complaint received 2021-01-29
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. (LA)

I settled with the companyy for {$2500.00} in XXXX. They received funds on XX/XX/XXXX. I was told they would update my account 10 days after receiving payment. I spoke with them again today and everything is still in limbo. I have attached a copy of my payment and want this updated immediately. Initially, XXXX updated a letter in stating their last payment was in XX/XX/2020. This is inaccurate. I have emailed them multiple times, and have called every day since the beginning of XXXX. This is disappointing to say the least. They do admit to being in receipt of my money now.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX XXXX, I applied for a Barclaycard XXXX Credit Card with XXXX Rewards. Application # XXXX. This is a promotional, interest free program. 

Barclaycard sent me a letter which states " We have reviewed your application and determined that additional information is needed before we can process your request. - Please send a copy of your Driver 's License/State ID, Social Security Card, and a current original utility bill or bank statement with your name and address. Please respond within 30 days of the date of this letter by sending in the requested documentation below. If we do not receive a response within 30 days we will be unable to give your application further consideration. '' I am already a Barclaycard customer, and have a XXXX XXXX XXXX XXXX XXXX card with the company. They have verified my address, they know my social security number, and I have my card statement coming to the exact same address as is listed on my application. 

I called the company on XXXX after receiving the letter and was told that this requirement will not be waived, that despite my already being a customer I need to either mail or fax the documents in ( I can not email them, in XXXX there is no way to securely upload them either as part of the application page. )
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

I am receiving harassing fraudulent calls from XXXX XXXX ( XXXX ) threatening legal action against me for a debt I paid off years ago. The representative identified himself as XXXX XXXX. I have all documentation confirming satisfaction of debt and want to report this organization.
Consumer complaint received 2021-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed the account with XXXX XXXX several times. The account remains on my credit report reporting inaccurately. The account was opened in XX/XX/XXXX. However, the company did not report any payments until XX/XX/XXXX when the account was charged off. This is not fair. XXXX XXXX is the original creditor. They can not decide to report the account only when it is charged off. ALL information must be reported. None of my payments from XX/XX/XXXX through XX/XX/XXXX are being reported. Look at the attached document. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MA)

When I closed my American Express account I had a {$50.00} credit balance on it. American Express claims that it had refunded the money to me, but I never received any checks from them. 

American Express also claims in the attached letter that I never contacted it regarding the problems of my cards or other mailed items not being delivered to me. American Express is wrong since I contacted its customer service numerous times explaining that they must have been listing incorrect name and address on the mail that should have been addressed to me.
Consumer complaint received 2019-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

We are responsible for the upkeep of our property according to the mortgage contract. We filed an insurance claim with the current servicer Rushmore Loan Servicing, however the company is holding funds and are refusing to provide draws in order to complete the work. It is common in the industry for lenders to provide draws based on the percentage of the work performed. The lender issue the first check in the amount of {$17000.00} out of the {$30000.00} projected payment for roof repairs. In order to continue the repairs the contractor needs to get another advance or draw to complete. The lender is refusing to pay claiming that the roof needs to be 100 % completed. Unless the lender advances the contractor for materials and labor we would not be able to complete the work. The lender is acting in bad faith and are ignoring any type of communication.
Consumer complaint received 2019-08-02
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. (OH)

IhaveanaccountonmyfilethatisnotmineIfiledafraudalertmonthsagowiththecreditbureausIfiledapolicereportaswelltohavetheaccountdeletedfrommycreditreport.Pleaseseeattacheddocuments.Pleasedelete/removethefollowingaccounts:XXXX/XXXXXXXX#XXXX,XXXX/XXXXXXXX#XXXX,XXXXXXXXXXXXXXXX(XXXX)#XXXXPLEASEUPDATEMYCREDITREPORTASAP!
Consumer complaint received 2021-10-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I DID NOT HAVE MY REFUND IN 7 DAYS AS PROMISE CONCELECTION NUMBER XXXX I SEND MY MONEY IN XXXX XXXX,2021 MY COSTOMER NEVER HAVE MONEY THEN I TRY TO CANCEL MY TRANSFER I NEVER HAVE MY REFUND {$10000.00}
Consumer complaint received 2019-11-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (MI)

Great Lakes Loan Servicing contacted me to notify me that I needed to re-certify my income-driven repayment certification. I completed the application and provided them with the information they requested, including information showing my current pay and my wife 's current pay. I explained that my income had not changed from last year. They ignored this evidence and then denied my request for IDR without explanation. I appealed the denial, again submitting the same information. They put me to the back of the line and, in the meantime, increased my payments to over {$1800.00} a month. When they finally did process my request, they asked me to fill out a form that I filled out when I first submitted my request. I explained this to them, and they moved me to the back of the line again. Because, they claim, I did not complete my IDR application on time, they capitalized my interest, adding to my balance. 

This is a predatory tactic that they have now used on two occasions. The CFPB has to do something about this.
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 — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I received an alert from XXXX XXXX  alerting me that I voluntarily closed my Toyota Financial account. I just simply paid off my loan. Considering that there is an existing investigation with Toyota, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have Toyota Financial to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because Toyota has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MT)

The short version of the story is XXXX XXXX is reporting my debt in a manner that negatively affects my credit score despite the fact that I have made my payments on time every month. It was never disclosed to me that my repayment plan was not sufficient to keep my credit in excellent standing. It was never disclosed to me that my student loans could negatively impact my credit report. 

The longer version of the story is as follows : In XXXX I was assigned XXXX XXXX as my loan servicing company upon graduation from XXXX school at XXXX  XXXX University. At the time I graduated I had a combined balance of roughly {$110000.00} with about 20 different subsidized and unsubsidized loans. 

I decided that consolidation and income based repayment would be a good option for me, so I consolidated my loans with a 5 % interest rate with a 20-25 year forgiveness plan. The payment plan worked well for me. My payments were roughly {$100.00} a month and I have made the payments on time every month. Fast forward 3 1/2 years after graduation and I have saved up enough money to put a down payment on a home! 

Between XX/XX/XXXX and XX/XX/XXXX my boyfriend and I met with XXXX XXXX XXXX in XXXX Montana. We had our credit reports pulled to find that my student loans were negatively impacting my credit report. XXXX XXXX was reporting the loan amount of {$110000.00} with a balance of {$120000.00}. 

I was never informed that should my balance grow beyond what was consolidated that it would report negatively. Together with the help of our Loan Officer this XX/XX/XXXX, we called XXXX   XXXX XXXX to inform them of the reporting error. XXXX  XXXX servicing informed us that they had only started reporting their loans this way in XXXX of XXXX. When we asked why and if we could have it reported correctly we were put on hold for 30 minutes. This tested our patience and we eventually hung up the phone.
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 — Investigation took more than 30 days
Company: EdFinancial Services (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

For years I've been struggling with opening up a bank account. Before Ive tried going to the police going into the banks myself and trying to open an account. I'm trying get to somebody because ive been trying to purchase a home for the past couple of years and im not able to save any of my money through prepaid cards or even live my life as an actual adult due to all these early warnings.
Consumer complaint received 2019-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (TX)

Date of service was XX/XX/2011. Amount owed is XXXX. The actions that i have taken is calling the original entity XXXX/XXXX XXXX XXXX HOSP XXXX. I called and explained to them that I was not present nor was I the patient for this bill. I believe that my ex-wife brought our daughter to the hospital for care. I also believe that the amount owed was not paid by our insurance company due to the hospital and the doctor fees being billed seperately. They may have gotten my social security number from XXXX, my insurance company. I have called XXXX/XXXX XXXX XXXX HOSP XXXX and theynhave said in the past that there is no balance due to them.
Consumer complaint received 2022-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One got a copy of my report I don't recognize. And also XXXX XXXX XXXX got a copy of my credit report. I don't recognize.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX dropped my score over 40 points Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 Transunion just did the same thing And XXXX  No reason given how can a score dropped over 40 points in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems (GA)

I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 credit reporting bureaus that there was a collection account added to my report. The company 's name is Financial Data Systems showing an account # of XXXX stating that the debt came from XXXX XXXX XXXX. I have never heard of the company Financial Data Systems. I am unaware of this company, the amount, the debt and it's origin therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I do no recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that Financial Data Systems provide a copy of my signature with the provider of service to release information to them. I demand that Financial Data Systems DELETE credit reporting from XXXX, XXXX, and XXXX  until this debt is validated by me. Any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. Please delete this collection account from XXXX, XXXX, and XXXX  and cease all collection activity!
Consumer complaint received 2020-06-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (NY)

I contacted CK customer support via chat/email on XX/XX/XXXX regarding the need to close my CK savings account. I received a confirmation email stating I would receive a check by mail for the remaining balance ( {$1700.00} ) in up to 15-20 business days accounting for possible COVID-19 delays with the USPS. I tried to contact them again today ( XX/XX/XXXX ) and the support chat told me it would move the conversation to email. Which never happened. I'm filing a CFPB complaint as of now since it's ridiculous you can't speak with a human being if issues arise. CK should not have been allowed to provide these financial services.
Consumer complaint received 2019-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DE)

A debt was listed for collection by a XXXX XXXX XXXX, XXXX for {$3000.00}. It is from a company called XXXX XXXX XXXX XXXX XXXX. The date of delinquency is listed as XX/XX/XXXX and not reported till XX/XX/XXXX on my Equifax credit Bureau. I disputed this but they refused to remove this from my credit history. 

I NEVER had a loan nor used the services of XXXX XXXX XXXX. I never got one phone call nor letter in the mail. I believe this is a scam on XXXX XXXX XXXX. This is not my debt.
Consumer complaint received 2022-01-09
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. (IN)

Have court order stating these are not My debts. Have sent to all three age cues multiple times with them always saying its complete and accurate and will remain. Several accounts opened in Wisconsin under my name, with an identity theft report on my social security. They still allow these on my credit ; even though Ive never lived in Wisconsin, and have proved these are not my accounts.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

My belongings were stolen from the gym on XX/XX/24 including my debit cards and my drivers license so I was told to take the necessary precautions of making this report because I wasnt allowed to get my credit report from the companies I needed one from