davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX accnt # XXXX XXXX accnt # XXXX XXXX accnt # XXXX
Consumer complaint received 2022-04-26
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. (AR)

DISPUTE : Phone call to Equifax Credit Bureau XXXX XXXX XX/XX/22 Phone call to XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) data Supervisor, XXXX XX/XX/22. 
Notes included in uploaded documents.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2022, I purchased to XXXX XXXX XXXX, one for {$200.00} and the other for {$250.00} from XXXXXXXX XXXX on XXXX XXXX XXXX. On XX/XX/XXXX I gifted the cards. I received notification that the cards were not loaded, however I have the orignal receipt and the proof of activation. When the cards were purchased the funds were loaded to an unknown card and not the cards I physically walked out of the store with. I went to the store and they said to call the XXXX. I called XXXX and they said the cards were never loaded go back to the store. I have went back and fourth from store to XXXX on the following dates below and filed a claim XXXX with XXXX XXXX on XX/XX/2022. On XX/XX/2022, XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022, XXXX, XX/XX/2022. I have faxed documents five times with proof of transmittal and mailed hard copies twice. I get a new CSR everytime I call and have to start the investigation all over again. Nobody will take responsibilty or help me resolve. I paid XXXX XXXX and did not receive my purchase? Please help me.
Consumer complaint received 2024-05-29
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (AL)

My mother took out reverse mortgage on her home on XX/XX/XXXX. She passed away last year. I've been residing in the home since she passed away. I contacted PHH Mortgage and notified them. In the contract, it reads that any heir can reside in the home just so long as they keep up the insurance and the taxes. I've been doing so. In XXXX I received a notification from XXXX XXXX, a bankruptcy attorney. I was notified that the house was in foreclosure and it was going to be auctioned off on XX/XX/XXXX at XXXX XXXX. I wasn't told this by PHH Mortgage. The last time I spoke with them I was told that the house wasn't in foreclosure. They tell you one thing and then they turn around and do another. They want full payout for the house and that is something that I don't have. I'm on a fixed income. They knew what their intentions were all along and they chose to be deceptive in my opinion. They are able to take people 's homes by asking for large sums of money and proceeding with foreclosure once they don't get it.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo is eliminating XXXX Checking and switching those customers to Everyday Checking. They claim to not reduce any benefits, but hidden from the information provided on their notification they do not tell customers that their checking account will no longer provide interest. I had to dig pretty deep on their website to find this change. While the interest they pay is scant, they probably save {$.00} annually across the, likely, thousands of customers they switch. The big problem is they don't make this obvious to customers. They XXXX have as much as millions of customers being switched which could run the monetary gain to Wells Fargo ( and loss to customers ) to as much as {$600000.00} per XXXX customers.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (LA)

I am a victim of identity theft and I am being harassed by ASSETCARE LLC AND XXXX XXXX XXXX XXXX to pay debt on a collection account that does not belong to me. ASSETCARE LLC is reporting this fraudulent account and debt every month to XXXX, trying to collect fraudulent owed debt in the amount of XXXX dollars. From my understanding this account is being sold around and companies are keep trying to collect on it. XXXX XXXX was representing another Company in the matter of this account named XXXX XXXX XXXX, I have enclosed an attachment as proof. I also have enclosed a copy of my identity theft report I filed with The Federal Trade Commission.
Consumer complaint received 2021-11-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

My bank statements show XXXX XXXX has been withdrawing {$200.00} biweekly for the past several months. They made me believe I was paying a debt I was aware I owed. To this day, I have not receive a single letter or email verifying that Ive been making these payments. They have not provided me a single account or case number associated with said debt. Ive made numerous calls in attempt for explanation as to why I am still receiving debt collector calls and I have not received a single form of communication from these so called debt collectors.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (IL)

On XX/XX/2022, I reviewed my mortgage statement for the principal balance outstanding, and the interest due for XX/XX/XXXX. I had sufficient funds to payoff the loan, so after reviewing my monthly statement, I wrote the check out for that total balance, and mailed it to the address on the statement for additional payments. I received a call on XX/XX/2022 telling me that because it was a payoff, it had to be certified funds. After talking with the customer service rep, she said the payment could be put through, and then any balance I could take care of the next day. I checked the system on XX/XX/XXXX, and saw the loan had not had the payment applied. I called and was told that they couldn't accept the payment because it wasn't certified funds, and I hadn't requested a payoff letter. I asked where on my monthly statement was the direction that I had to request a payoff letter, and then needed certified funds ( either cashier 's check, money order or wire ) in order to pay the loan off. I was told that they would be return my check to me, and I would need to get them the funds by XX/XX/XXXX, or the payoff would be a higher dollar amount since I would have missed the XX/XX/XXXX cut off. I am extremely frustrated, as this information should be included on the monthly statement, as mortgage loans are out there for several years, and since they are typically sold after closing, different servicers can have different requirements for paying off the loan. It was very frustrating as I have sent other checks for amounts in excess of my payoff check, and never had any issues, or were required to have those funds be certified. In order to get this loan paid off timely, I had to incur a wire fee to get the funds over to the servicer. I tried to discuss this with the servicer, but was told that was their process, and there was no other option.
Consumer complaint received 2024-03-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (CA)

I attempted to use my American Express XXXX card with a balance of {$320.00} to pay for multiple bills but was declined every time on several occasions. I attempted to use the card to pay my XXXX phone bill, my XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX water bill all for amounts less than the {$320.00} balance. 

I called American Express and was told that my card was declined for security purposes to prevent fraud. I provided my own information to say that it was definitely not fraud and I was using the card to pay off several bills but was told that I would have to simply keep trying. This is inexcusable as I am unable to use my card ( I would love for a fraudster to pay off my bills ).
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (MN)

TODAY I SPOKE TO THE FRAUD DEPARTMENT AT XXXX SO THEY CAN FILE A IDENTITY THEFT FRAUD DISPUTE AGAINST AFFIRM FOR ACCOUNT # XXXX. DURING OUR CONVERSATION, THE AGENT ADVISED ME TO FILE A FEDERAL TRADE COMMISSION IDENTITY THEFT FRAUD COMPLAINT AFFADAVIT. ATTACHED IS MY AFFADAVIT FOR MY OPEN IDENTITY THEFT FRAUD CASE # XXXX WITH XXXX. I HAVE ALSO FILED A POLICE REPORT AND ATTACHED THE TEMPORARY REPORT TO THIS COMPLAINT.
Consumer complaint received 2019-11-04
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. (MO)

XXXX credit score of XXXX  is to low. My Credit Score should be XXXX or above. I feel they are Discriminating against me because I am XXXX XXXX.
Consumer complaint received 2021-04-15
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. (MO)

MY NAME IS XXXX XXXX XXXX. SOMEONE STOLE MY PERSONAL INFORMATION AND USED MY INFORMATION FRAUDULENT TO RECEIVE MEDICAL SERVICES. I HAVE ENCLOSED A POLICE REPORT AND FTC REPORT.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Have not received escrow refund nearly 2 months after loan was paid in full ( XX/XX/XXXX ). online account showed escrow refund sent XX/XX/XXXX. Refund was not received, i called XXXX XXXX XXXX XXXX/dovenmuehle on XX/XX/XXXX. At that time it was indicated a problem with my address, instead of showing the street/number it showed " yes '', probably because my account was paperless with all docs sent through email stated the company rep. They said to write a letter signed by myself and spouse to indicate to correct address to property/mailing address ( even though this is an error on their system ). My address has never changed, have lived here since XXXX. I emailed this letter to customer service and received confirmation that it was received and account was confirmed with proper address. They said I must wait 30 days to call back if check still not received. On XX/XX/XXXX after receiving advice from my mortgage broker, I called XXXX & XXXX XXXXdovenmuehle again. Spoke to XXXX this time, once again she said my address shows as XXXX, XXXX, CA XXXX. She put me on hold a couple minutes, said the address has been corrected and new refund is being sent which should be received within 7-10 business days. 10 business days later ( XX/XX/XXXX ) I called again as no refund has been received. Spoke with XXXX this time. I advised i would like the refund expedited, and a tracking number. She advised she will transfer me to Supervisor. After many minutes, she came back instead of transferring to Supervisor and indicated that the previous check was stopped and a new check will be mailed, and that there was a problem with the address. I indicated the address issue is ongoing. I requested to speak to Supervisor because at this point it just appears they are playing games. Spoke with XXXX. She confirmed address is still wrong in system, was corrected in wrong place by prior people and she has now corrected it again while i was on the phone with her and new check will be sent out. I asked this be expedited ( overnight or tracking number ). She said she put that in the check request. I asked how i get the tracking number and she indicated to call back in 4 business days for that. This company has a serious issue with their address record keeping and inability to send out refund checks that are due to people that were on paperless accounts. I still don't have confidence i will receive my refund which totals {$5400.00}. I am betting that i will have to call again and my address will probably show incorrect again. We'll see what happens, but i am not waiting any longer to file this complaint. I have threatened multiple times to the company that i will do this and they dont seem to care.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CMRE Financial Services, Inc. (CA)

My credit score was at XXXX. Before my despute. The despute was removed from my credit and my score only went up to XXXX. This is effecting me getting an apartment by having my credit drop so low. 

My credit report showed I had an account in collections from XXXX. And that dropped my score. Now that acccount was removed off my account. Why wasnt my credit score repaired back to XXXX?
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

Wells fargo called me and told me i needed to make a payment on my account or they would close the account. I made a payment to prevent this from happening with the lady who called. I paid XXXX $ to keep my account from being closed. I received emails and my bank statement showing that my payment went through. I called multiple times to ensure the payment was successful and was confirmed that my account will not be closing and it would not affect my credit. About two weeks go by and I get another phone call stating my payment was declined ( Although it shows on my bill that it was paid ) and that my account has been closed. I now have to work with a debt collector instead of the bank and they will not reopen my account stating I need to make the full payment to now remove this from my credit. I have tried working with Wells Fargo multiple times to get this issue resolved and they are XXXX help. I made my payment on time and they still closed my account and wont resolve it. I am extremely disappointed in this company and need this removed from my credit. 

Thanks, XXXX XXXX
Consumer complaint received 2020-09-18
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. (TX)

I've recently sent certified requests to investigate information on my credit file. On, XX/XX/20, XX/XX/20 and XX/XX/20. To date the companies have failed to comply AND not done their duty as mandated by law. There actions were a generated computer response. This is my third attempt requesting them provide an investigation and verification into these accounts.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on or about XX/XX/XXXX XXXX XXXX notify me and stated XXXX XXXX to get your used down capital one have the right card for you. because you have good credit and with a good standing pay history. apply for this card because you have good credit. which in fact is fair credit XXXX is fair credit. some one pull your credit it effect your score. never late, never missed any payment in in 120 month on my account. but capital one went through three disffence agencies just to say no. went they could have use one credit agencies to say no. and it effect my score big time. but what they was looking for was some one with a 720 scores. and that is misleading the market. what they said is a ( fair ) score and went you make 6 month of payment on time we will up your credit limit. now before capital one pull my credit my score it was XXXX it is XXXX. they mislead me and there consumer, and did offer any offer, so is capital one mislead people are is it XXXX XXXX   false misleading there client. this was mistreat and it was unfair to me. these false and mislead fact I would have never apply for that card. but that what they was hope to get some one to apply with a 700-720 score. and i once have a XXXX score in XXXX .application ID XXXX. I ask capital one to show me a mark on my credit file.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is reporting a repossessed auto loan on my reports that I have been disputing with them for over a year now. 

I sent them request for all documents concerning this debt and they provided documents concerning this account ; HOWEVER they did not include the Explanation of Deficiency which details how much the car was sold for as well as all fees that calculated to the balance they say I owe. 

Capital One is very aware that this form is required by law and has failed to provide all documents as requested and sufficient proof concerning this debt. I am demanding that this account is deleted from my reports now or I have no choice but to take further action as well as take this matter to court and request monetary damages for violating my rights and defamation.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2018-07-25
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. (NJ)

In XX/XX/XXXX & XX/XX/2018 I requested removal of two XXXX XXXX accounts which I was an authorized user only and not a responsible party. The accounts listing on both EXP & XXXX were removed ; however, despite 2 requests, Experian denies my request.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I didn't know which way to turn but for years on my credit report there is a Texas address that I have never lived. 

I would like to know how to get that off my credit report
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC (FL)

I sold my home in NY recently and the closing took place on XX/XX/2021. Every aspect of the process concerning my mortgage satisfaction was like pulling teeth, including this last piece - filing the Satisfaction of Mortgage with XXXX County. I've even sent several to the legal department of the mortgage servicer, which to date remain unanswered, and trying to call them results in 4 hour marathon hold sessions, which I just can't do. Approx. 1 month ago I did remain on the line until someone in " customer service '' finally picked up the phone, and was told that while she didn't have specific information, " the Satisfaction was sent to 'XXXX  ' in early XXXX ''. I asked for a fax copy of what had supposedly been mailed, and got anything but a fully executed Satisfaction of Mortgage in return. As we are fast approaching the end of 2021, I would very much appreciate assistance in getting the proper documentation filed with XXXX County so that I can fully close the chapter on this part of my life.
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (KS)

i bought my daughter a used car 2 years ago. i didn't have a down payment, but the dealer said he could find me a lender. I have decent credit. XXXX XXXX XXXX, of XXXX Alabama approved a loan with interest of between 26 % and 32 %, but are actually charging 6.26 % PER DAY. It was supposed to be a 3 year loan, but some how turned into a 66 month loan.my monthly payment for a XXXX XXXX XXXX is {$320.00} per month.of that {$140.00} is applied to the principal and {$170.00} is applied to interest. I was assured, that if I was timely on my payments I could renegotiate my interest. I've never missed a payment nor have i ever been late, but they wouldn't renegotiate.