davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (MD)

Hello my name is XXXX XXXX, I am submitting a complaint on both Ditech Financial Mortgage Loan- Second mortgage and all 3 Credit Bureaus ( XXXX XXXX XXXX and XXXX ). 

On XX/XX/XXXX I called XXXX to have verbiage remarks removed from Ditech and hours latter my credit score dropped 65 points. I called XXXX back to find out what caused this and after about 20mins it was discovered that my payment history with Ditech was removed by Ditech while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they Ditech does n't have a problem with the dispute. 
XX/XX/XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with Ditech and 4 days later my XXXX score dropped 81 points. I am assuming XXXX is to follow in the pattern however the current scores as of XX/XX/XXXX does not reflect a drop. 
I have NO late payments as ofXX/XX/XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( 4 in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a venture card with Capital One and called them on XX/XX/2022 and I spoke with XXXX. I told her that I want to get cash rewards not travel rewards. She said I could do that, but it would be quick silver rewards. My first question was will it change my card, she stated no just your rewards. I told her I had a quick silver before and closed that card, so I want to keep my venture card. 

As she started reading the disclosure it read that it would be a quick silver card, I stopped her mid-sentence and said If This Is Changing My Card I DO NOT WANT IT. She stated no it just changes your rewards and I finished with her and asked to speak with her supervisor. The Lead not a supervisor, XXXX stated because I stated yes to the disclosure it will change my card. 

I stated to her -this rep gave wrong information employed by by Capital One and I want you all to fix this immediately. She told me she would put a case number in and they would get back with me. They didnt so I called them today with NO resolve. They hadnt even listened to the call. At this point I want to cancel my card with Capital One and it not hinder my credit score. If I have to stay with them, I want my venture card and not the quick silver card I loudly expressed to her I dont want.
Consumer complaint received 2022-03-10
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NV)

I am currently in a Chapter XXXX BK and Wells Fargo who is the lender has scheduled a Trustee Sale date of XXXX/XXXX/2016 although my case is pending reinstatement. The Notice was placed on my door while I was out of town Saturday. I have been in the bankruptcy and the trustee payments are taken automatically from my checking account. There was fraud on the account and the bank closed the old and issued a new account. Meanwhile The case was originally dismissed for nonpayment. The trustee has received all the payments and the case is pending. The trustee has received the new account information and the case is pending reinstatement which is scheduled for hearing on XXXX/XXXX/16. I received a letter from ASC who represents Wells Fargo. When I contacted the representative at ASC, I told him that my account was in BK and he said the case was dismissed XXXX/XXXX/16. I told him that he needs to check with the BK department, because the case is pending reinstatement. Wells Fargo would have received a notice from the courts, but they continued with the legal procedures which is against the law. 
I would like to have them investigated for illegal foreclosure procedures.
Consumer complaint received 2021-09-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (TX)

This loan originated in early XXXX, around XXXX of XXXX and has since been refinanced like 4 times, and none of my payment were ever applied to the loan, payments were interest only payments, and they went out of their way to make it difficult to pay extra or even to pay loan off. If a payment was made online, it could only be for the amount due, the monthly6 interest payment. no extra. If i made it through XXXX XXXX, the payment incurred late fees, like they would intentionally take longer just to incur fees, and it seemed that XXXX didnt want to pay them, just how it seemed. If you went in, you could pay with debit, but in no way credit card, I think due to it being easier to get you money back from the CC.If you wanted to pay extra, only cash, the debit card used for the payment, was now not good enough for extra payment. 
The reason i had to get a loan is the VA mistakenly started garnishing my XXXX because they said i owed them money, but i dint, and i had been homeless just a few months earlier so i wasnt very stable yet. They didnt realize that in my previous life i was employed as an XXXX XXXX, i have my XXXX  but got XXXX  in XXXX and couldnt work, i got my 100 % service-connected decision in late XXXX, but lost everything in early XXXX, My house, my brand-new XXXX, all my belongings in the house, and was left homeless with what fit in my backpack. And now since i have paid almost XXXX on a XXXX loan, i must move at the end of this month on the verge again of homelessness. I found out about the local ordinances last week that they have been violating, intentionally, and they do not give a damn, they call me multiple times a day and Im scared they are going to repo my car. Not scared in the traditional sense, i have a weapon and TX  just passed a no-license carry law and i will not tolerate anyone of these XXXX  coming near me or my car. I sent them messages that Im not paying any more payments, i want my money back and my title, and they do not care, they just called and tct, and left messages, and Im getting to the point that enough is enough. they are making my life XXXX by what feels like taunting. I told them to jus stop! but they refuse., the main coorporation even went so far as to get a XXXX dollar low interest loan recently. The company is Loan Star title, or " Loanmax '' and the i dont remember offhand the big corporation but its in XXXX GA. 
BTW, my car need work, it hasnt run right almost all year, and isnt registered because it wont pass inspection, because I have no money to fix it.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Submitted dispute with the three credit reporting agencies back in XX/XX/2019. After more than 30 days later ; after standard verification process, the 3 reporting agencies DELETED incorrectly reported files from their reports. HOWEVER, after receiving notice the verification has been completed and the negative reports had been DELETED from my credit file, now FIVE MONTHS later, EXPERIAN has RE-ENTERED the previously DELETED, incorrect, inaccurate, mis-reported files back onto my credit report.
Consumer complaint received 2017-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WA)

My second mortgage, which was modified ( around XXXX ) from a line of credit to an installment loan, still reports as a revolving account.The difference between a revolving and an installment account is clear, and this account does not have revolving access to a credit limit. It is an installment loan only. It is reporting as a revolving account to all three credit bureaus. 

Called Wells Fargo on XXXX to inquire request an explanation of what could be done. Was told by a banker within Wells Fargo Home Equity that the account was in fact an installment and no longer revolving. 

Called Wells Fargo on XXXX to follow up on my request, since nobody had called me back in nearly a week. Was told again by a customer service rep that this is an installment loan. I asked them to take the necessary steps to reach out to the bureaus to report it accurately. The customer service representative then turned me over to an escalation specialist. The specialist told me that it was reported accurately, but with no explanation. He then put me on hold for an hour, at which I ended the call. 

The files attached are of my monthly statement for the account. It reflects that no credit is available, and that the payments are on an installment basis. By definition, this is not a revolving account. I have also attached a copy of the reporting to one of the bureaus ; the reporting to all three, XXXX XXXX  and XXXX XXXX are all the same.
Consumer complaint received 2017-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I spoke with a US Special Handling Supervisor by the name of XXXX about some inquiries that I did not recognize or authorize. I am a victim of identity theft and I 'm aware that any fraudulent and inaccurate information should be removed from my credit report. I explained to him that I had already contacted the company and they stated that I should call the credit bureaus, because they have no application or account with my name. XXXX also stated that he could n't dispute the inquiries, because he 's not allowed to which I know is a lie. I 've never had a problem with getting inaccurate information disputed. He was being very rude and yelling over the phone instead of trying to help me. I feel like my FCRA rights are being violated. 

The inquiries are : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/2017 XXXX XXXX/2017
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (DC)

I made a purchase from XXXX XXXX XXXX XXXX in XXXX using a store credit card. In addition to the store credit through the card, I made an {$800.00} cash down payment. I later returned the item, and XXXX refunded my down payment. I assumed that my account balance was XXXX, because they sent me a refund. 

I continued to receive mail from XXXX which I ignored, because they send lots of marketing materials and because I had returned the item and received a refund. I received a letter that looked differently recently, so I opened it. Apparently XXXX had charged me for the following items which were through a third party : " Credit Life Premium '' for {$1.00} - Account Assure " Credit Disability Premium '' for {$2.00} - Account Assure " Credit Unemployment Premium '' for {$2.00} - Account Assure I was unaware f who the third party is, what these premiums were, and why they were charged. I had no knowledge of their existence until I received late penalties. 

I called to try to resolve the issue, pay the balance, and close the card. The number I called from the bill was XXXX. A XXXX robot told me to enter my social. I did. They then transferred me to XXXX XXXX ( the supplier of the XXXX card, apparently ). The people at XXXX accepted my payment but told me they could not ( 1 ) tell me where the charges came from, or ( 2 ) close the account. I was informed that this would need to be done by the customer service department. They " transferred '' me, but I was disconnected. 

I did the same thing again ( called the XXXX number, entered my social, waited for rep, explained i wanted to close account ). She again told me she would transfer me to customer service. I asked for a phone number this time and was told XXXX. The call again was dropped. I called the new number, was greeted by another XXXX robot, entered my social again, and was connected to another rep who could n't close my account - but offered to transfer me to customer service. 

I demanded to speak to a manager, who eventually transferred me to a manager 's direct line at customer service. This person was able to cancel my card. They were also able to tell me the account history, which is how I first discovered the three " Premiums '' totaling {$5.00} that remained on my account even after I received a refund on my debit card. These charges, which I had no knowledge of, were also a mystery to the supervisor. He did not know what they meant, but was magically able to assured me I had authorized them. 

My complaints are : ( 1 ) opaque, mysterious, unauthorized billing for the three " Premiums '' ( 2 )  misleading " refund '' - which led me to assume I did n't owe them money ( 3 ) unreasonable late charges ( {$9.00} on a {$5.00} balance ) ( 4 ) Phone system deliberately designed to make it exceedingly and unreasonably difficult to cancel a card.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-24
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: Experian Information Solutions Inc. (SC)

XXXX XXXXXXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX- Hard inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my autorization
Consumer complaint received 2017-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received notification from monitoring my credit reports that Transunion placed inquires on my Transunion credit report without my authorization. TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, and put them back on. I 'm also a victim of the error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Chase sent XXXX XXXX XXXX a letter on XX/XX/2022 offering to pay less than the unpaid balance on a closed account ending in XXXX I am his Power of Attorney, I've attempted multiple times, faxed them the POA XXXX - gone into a branch- and still can't give them a check for the requested {$5100.00} I was told I had 30 days to do this. 
I got the document late- because of mail forwarding. 
XXXX XXXX is incarcerated. 
I used this POA to sell his home. 
I am attempting to clear accounts- they say if I pay- they will notify credit reporting agencies that it's paid - not delinquent. 
The branch person was the most helpful- XXXX XXXX XXXX All the phone calls have been absolutely worthless. 
I've spent over 5 hours at this point trying to resolve this. 
I've never had a problem paying off a debt for someone else. 
This is unacceptable. I offered a wire, a Money Order, bank transfer, certified check- even cash. 
This is why consumers need the CFPB.
Consumer complaint received 2021-09-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

Professional Debt Mediation ( PDM ) is trying to scam consumers into paying more than they are required to pay for past due debts. I will admit that the amount that was sent from the original creditor is incorrect, but I have since spoken to the original creditor as well as PDM to have the amounts adjusted. Both parties have admitted that the amounts are incorrect on separate occasions over the phone, but no one will send me anything in writing correcting the amount. <P/>The original debt is for XXXX XXXX XXXX which was formally owned by XXXX XXXX XXXX. There are two standing issues with the amount I am accused of owing. First, in order for me to move in to said apartment, I had to pay a {$850.00} deposit as well as {$190.00} non refundable administration fee, plus the pro-rated amount for the first months rent. Upon the day of my move out I was charged an extra month of rent. They are unable to explain to me why I am charged for another month of rent and it shows up on the balance sheet given to me as " Other - Balance on Account ''. On top of that, they did not apply the {$850.00} security deposit I paid upon move in. One the balance sheet that was provided to me, it says " This is a notice of the landlord 's intention to imposes a claim for damages/charges in the amount of {$2100.00} upon your security deposit in the amount of {$0.00} due to : .... '' then it addresses the reasons. I I have made this very clear to PDM that the balance that they say I owe shows my security deposit as {$0.00} ; however, my lease ( that they have a copy of ) shows I paid {$850.00}. They have since acknowledged the mistake over the phone, but each time they send me " verification '' via mail, it says that they have sent me verification already and are not required to send me anything further. Copy of the lease and the balance I owe is attached.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2017 I was in Bank of America in XXXX XXXX, VA around XXXX XXXX. Their ATM machine took my ATM card for the third time as I was told that it has been happening to many customers. I was first in line and two ladies were behind me. one was a XXXX XXXX mid age American and the other was a very pretty well dressed young woman. This bank 's employee of course a man, who is in charge of customer service also giving new ATM cards, called the XXXX  lady first and took care of her then he called the young lady behind me and I had to speak up to remind him that I was here first. He told me to go and and wait in the last office and he will be there. He came after several minutes because he took care of the pretty lady and without saying hi or bye, he gave me an ATM card with a angry attitude.. I was not dressed up well and my appearance was simple. That bank employee treated me really bad and was very rude ... I was mistreated badly before by this bank because of my appearance. I know for sure that I got discriminated against badly by people of this bank.
Consumer complaint received 2017-09-09
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. (OH)

This company negligently stored user data without encryption resulting in my personal information being accessible to anyone online. I am now at a much higher risk of having identity theft in the immediate future, and possibly for my entire life. 

While they did not personally release this information, and the information was obtained through an illegal hack of their website, they had gross negligence when handling my personal information.
Consumer complaint received 2017-10-24
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MI)

Applied to XXXX XXXX for loan modification, received approval on XX/XX/XXXX for a  Streamline Modification. On the same documents assigned a relationship manager XXXX XXXX XXXX. I set up a phone call appointment on XX/XX/XXXX for XXXX to call me at XXXX XXXX.. Called multiple times confirming the approval and was told if our family just made the 3 payments listed we would get the modification. Tried to reach XXXX XXXX XXXX but no luck. Spoke to several relationship managers assuring me we were good. Our family is under a chapter XXXX bankruptcy and spoke to our attorney on XX/XX/XXXX to end the bankruptcy. The following Monday, I received more documents stating Sorry, this has been denied on XX/XX/XXXX. I called, spoke to a XXXX who said Ocwen made a mistake. A mistake. We are devastated. Immediately reached our attorney again and said do not submit the court papers. We will stay with the Chapter XXXX because I trust the courts more than XXXX XXXX. As soon as it is discharged I can not find another Mortgage company fast enough to refinance. I have submitted said documents.