davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NE)

A Wells Fargo Everyday Checking was opened on X/XX/17. Before that I have no Wells Fargo account. So there should be an opening bonus offer about {$250.00}. My application shows the checking account should be opened by XXXX XXXX, 2017, and 10 purchases within 60 days. The offer status shown it has been linked to the application. The bonus qualifications have been met. It is over 45 days after eligibility but still no bonus deposit in the account.
Consumer complaint received 2017-06-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

The response has NOT answered my questions : 1. When XXXX XXXX locked the rate for me, he confirmed that the rate is locked to XXXX XXXX, he did n't tell me the credit only is effective till XXXX XXXX. It is his fault. Also, when I pushed him and XXXX to process the loan ASAP because the commitment letter will expire on XXXX XXXX. He told me " Do n't worry, I only need to repull my credit, you do n't need to do anything else ". he did n't tell me it would effect my rate and the point. Whose fault? 2. XXXX and XXXX did n't pick up my phone, seldom answered my email. I did n't get any repose. Then I cc  emails to XXXX 's supervisor, and then XXXX replied to my email. XXXX appeared. He sent me an email '' Dont send email to managers '' I answered '' Because you do n't answer my emails, so many emails. I have to cc emails to supervisor. Otherwise, I will not get answer till next year. '' Your ignorance resulted my house close after XXXX XXXX. Your fault.
Consumer complaint received 2023-01-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (WI)

Ongoing dispute since XX/XX/XXXX Interest payout was correct for XX/XX/XXXX. Payout for XX/XX/XXXX is still wrong, XXXX, should be XXXX This has been with your back office since XX/XX/XXXX, we have chatted 4 times without resolve. This is clearly a bank error. Per conditions of CD when bank error occurs and is not resolved I have the right to redeem/cancel CD without penalty, again quoting XXXX of your supervisors. I wish to do this. Transfer the original amt back into money market acc, not happy dealing with your chat people and that this has not been resolved... ..now after 5 times!. 
This is what payout looked like : XX/XX/XXXX to XX/XX/XXXX XXXX XXXX  days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days Was told by supervisor that all payouts should be the same for the life of CD ( 12 months ) but customer service keeps telling me different. As you can see XXXX  day payouts do not match. Also XX/XX/XXXX to XX/XX/XXXX was XXXX but was originally XXXX. They did correct this but never pd the difference of XXXX.
Consumer complaint received 2017-06-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREAT LAKES (CA)

This company is reporting a debt that is not verified. They have failed to provide information showing signature and have violated FDCPA LAW. We are filing a Lawsuit as well unless the accounts are removed.
 XXXX  Account Number   XXXX   Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$28000.00}  XXXX  Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$6700.00} Comments   XXXX   Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI   XXXX    Ownership Individual Original Creditor - Company Sold-to - Original Amount {$7800.00} Comments -
Consumer complaint received 2017-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On or around XX/XX/XXXX I sent a request for validation of a supposed debt to Portfolio Recovery Associates, LLC ( " Portfolio '' ) regarding a XXXX XXXX XXXX XXXX account with a supposed balance of {$3800.00}. I received three responses, datedXX/XX/XXXX, XXXX, and XX/XX/XXXX, all of which stated that I " had the right to request substantiation of this debt '' but containing no substantiation of the debt in response to my validation request. On or around XX/XX/XXXX, I sent a second request for validation and received two responses. On XX/XX/XXXX Portfolio sent a letter advising me that they had " already responded to a previous dispute substantially the same as you present dispute '' and would not be providing the requested validation. OnXX/XX/XXXX, the sent me a nearly identical letter to the first three, stating that I " have the right to request substantiation of the debt '' but without substantiation/validation as required by the Fair Credit Reporting Act. They continue to report this debt on my credit report despite not responding to my validation request as required by law.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Steven A. Booska (CA)

After my first complaint to your board the snide and demeaning response from this lawyer was unacceptable I am a victim of true name identity theft he threatening me told me to take it up with his firm privately I do not feel comfortable doing that he is a predator and he is unfortunately being allowed to stalk his victims and make victims into criminals he has a judgment against me an unlawful one and he did not serve me properly I would also like to add that Im going to the state bird of California to see about him getting his license revoked
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NC)

In  XXXX     2017  I reached out to MCM Collection agency to figure out a debt that was marked on my credit reports. The company told me that I did not owe a penny and the accounts should not be on my credit reports anymore. They sent me a letter in the mail stating this. However when I disputed this on all  XXXX  credit reports they came back verified.
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

I received a notification from my mortgage company, LoanCare which stated that my mortgage payment was not made for the month of XX/XX/XXXX in the amount of {$570.00}. I was able to obtain the cancelled checks for the XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX which had sent the payment to the following address : XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX, PA XXXX It is clear to see on the back of check # XXXX on XX/XX/XXXX was deposited into a XXXX XXXX XXXX account. The back of check # XXXX on XX/XX/XXXX reflects the correct account of deposit as XXXX XXXX XXXX XXXX which signifies LoanCare XXXX XXXX. 
I forwarded copies of both of these cancelled checks to LoanCare on XX/XX/XXXX and was given a confirmation # XXXX hoping that LoanCare would rectify the problem. I called XXXX XXXX XXXX XXXX, which is a subsidiary of some sort of Loancare, which resulted in a recording informing me to log into my account at www.myloancare.com. 
I have gone to my bank and stopped the bi-monthly withdrawals from my checking account by XXXX XXXX.
Consumer complaint received 2017-06-09
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. (MA)

We Continue having a credit reporting issue, from all credit agency  XXXX   XXXX ,  XXXX , Experian.  Reporting  that we still have an auto loan from  XXXX   XXXX   XXXX    XXXX   that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (FL)

Received a collection letter AGAIN for a toll from using the PA TURNPIKE - this is now several that we NEVER received any invoice or ANY information that their was any amount owed. AGAIN this HAS BEEN SEVERAL. NO INVOICE- STRAIGHT TO THIS COMPANY FOR COLLECTION-NO DATE, NO PROOF of VALIDITY - NO INFORMATION AT ALL- we receive several of these and no one seems to have any Information from the STATE of PA- This latest letter for collection is dated XX/XX/XXXX. NO one has been to PA since XXXX XXXX then just received this 11 months later. In addition, I registered this car in NC in XX/XX/XXXX and I was told i had " tolls from PA '' and in order for NC to register the car these had to be paid and although they still provided no proof I paid the amount and was proven to NC and was then able to register my car. THESE CHARGES ARE NOT VALID.!!!! I have contacted several employees at the PA TURNPIKE and NO ONE WAS WORKING DUE TO COVID- THIS HAS BEEN A HUGE ISSUE ACCORDING TO MULTIPLE SOURCES at the PA TURNPIKE . This collection agency also have a history " NOT VALID '' claims- XXXX XXXX complaints for this exact issue in just a couple years.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX and XXXX XXXX which was transferred from my wallet utilizing Coinbase 's services.
Consumer complaint received 2023-01-27
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. (NJ)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: Mortgage Research Center, LLC (CA)

I have 3 fraudulent hard inquiries on my XXXX  credit report from Veterans Uni. The first date is XXXX. The second hard inquiry date is XXXX. The third date is XXXX. I have reached out to the company and they directed me here for further assistance in this matter. I would like to have these hard inquires removed.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased my   XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 la te on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 hou r while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed the  Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (FL)

USI High Solutions, Inc ke eps harassing my family and myself about a $  XXXX  NON-EXISTANT debt. Calling my family outside of the USA and us in our cell phones and not only feels like harassment but these women are very threatening and they 've try to intimidate us. The debt does n't exist and they need to stop harassing us, specifically calling my husband 's place of work.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

Someone has been fraudulently accessing my account, and they have my SSN and identification information. I 've called Chase 4 times requesting that security measures be placed on the account to prevent authorized access and disclosures. At first, after 3 hours on the phone with Chase, they said all they could do was change the account number and not allow access by SSN. However, I just called in today, and their system only asked for the last    XXXX   digits of the SSN, and it let me into the account. When I called Chase t oday, they now say they ca n't even do  (  the above ) as promised earlier and there is nothing I can do to secure access to this account. Today they tell me that are unable to change the account number and/or restrict access to anyone that calls in with the last  XXXX  of my SSN. I 've asked to speak to a supervisor and they refuse to transfer the call. The last person at Chase who I spoke to is  XXXX   XXXX ,  XXXX   XXXX .
Consumer complaint received 2021-09-03
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Shore Financial Services, LLC (NY)

I have been in a forbearance due to Covid19 since XX/XX/XXXX. 
I was offered a work out solution in XXXX XXXXover the phone but DID NOT accept because the payment was not affordable. 
So we just extended the Covid19 related Forbearance this can all be heard on the recorded lines the lender should have.

I am covered under the Cares Act.

me and my husband had a 180 day late payment posted on our credit history on XX/XX/XXXX. 
report to XXXX, XXXX and XXXX. 

I called my lender several times to correct his and I filed a dispute in XX/XX/XXXX. 

I reached out to my lender today XX/XX/XXXX XXXX for an update to the dispute and I was told that they looked into the credit report history date of XX/XX/XXXX. 
XX/XX/XXXX is NOT the date THAT I am disputing, that date is reporting correctly. 
So that was a waste of 30 days!! 

XX/XX/XXXX is reporting from my lender as 180 day late. 


please have them remove the late, as we are still in Covid19 forbearance. 

Thank you
Consumer complaint received 2023-04-02
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

usaa removed fundes from my account alledged it went mortgage payment but it didn't in the process i am beimg forclosed on brcause the mortgage ha n't been paid but the funds left my account each mounth the fund werein some cases reversed why and why wasn't i notifyied are charge a return fee how could did this happen n since the va payment came monthly
Consumer complaint received 2017-06-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Onity Group Inc. (NY)

I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale XXXX/XXXX/2017 with no notice to me. I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. I was forced to file Bankruptcy to stop the sale.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a complaint that Bank of America had error about posting deposit and false posting information and posting date then lost my money in my account. Bank of America or a person of the bank had changed informations from depodits to an account to a bank credits then robbed customer money in the account by debit it. Customer name is XXXX XXXX, account number XXXX with social security XXXX. On or about X/XX/17 there were small deposits on same days value about 600, 900 and 1500 with small amounts add up to total same days for those amounts. The bank had posted those as bank credits then later used 3 fake claims to steal all money in my account. This is robbing customer money with trustworthy to put money in the bank. I lost my money of the fake claims. The transactions came from a person loan me money then changed to bank credit from other merchants not associate with the transactions. This is fraud, robbing and stealing customer money in the account. The matter had been explainef to the bank but no return yet. It had been reported to FDIC, FBI and also now the consumer finance protection bureau. I nned my money return to me and credit for all fee associated to the lost.
Consumer complaint received 2024-02-13
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

To Whom It Concern I disputed an open collection account with  Hunter Warfield Inc on   XX/XX/2017    in regards to an account for original creditor   XXXX   XXXX   for the amount of {$750.00}. For the record I requested debt validation for the debt due to me not being 100 % positive as to who I owe this debt to. I tried researching and to my understanding   XXXX   XXXX   is a property management company. I have currently been living at my recent place of residence for more than for  XXXX  years. In my previous residence I lived for more than  XXXX  years my lease was not broken and unit was properly cleaned and taken care of. Any damages that would 've been noted were due to normal wear and tear due to the fact that I was there for more than 7 years in which the property would assume responsibility. If indeed this company believes I owe any additional monies I believe that my rights to a itemized listing of whats owed is due to me in which they have not replied to my request in the pa st 30 or m ore days. This company has gone to great lengths to change wording and spellings of names and listings of multiple address that makes it hard for the consumer to properly request info thats needed. I ask that if this company can not provide proper documentation within a timely manner that all negative reporting be removed from all of my credit reports.  <P/> Thanks  Advance