davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am in the process of purchasing a second home and the loan from my current home is showing late payments and inaccurate information regarding a bankruptcy that i had in XXXX, it shows Bankruptcy was in XXXX. There has never been late payments for this mortgage and bank of America wants me to fill out reaffirmation paperwork which is not allowed in the state of Arizona. Since this loan was not reaffirmed after the bankruptcy it is not even supposed to show up on my credit reports. XXXX and XXXX do not show this but XXXX is showing this inaccurate information. I have spoke with XXXX and they have filed a dispute for me, but Bank of America keeps wanting me to hire a lawyer to reopen my bankruptcy to fill out reaffirmation paperwork but my lawyer says that is not possible. Bank of America states that I have made all my payments and on time but seen to be dragging their feet in correcting the matter. I have been on a 3 way call with them and XXXX but no resolve to the situation. Time is of the essence since I will lose the house and my earnest money on XXXX XXXX if this is not removed from my credit report with XXXX.
Consumer complaint received 2020-07-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MS)

XX/XX/2020 we started getting email about COVID-19 relief from Wells Fargo, regarding mortgage assistance. I sent them an email for more information. In XX/XX/2020, I tried to pay my house note on the WF app, as I have always done. The app advised me that I did not have an active account, thats when we called to make the payment. We were told that our loan was in forbearance and we could make a payment, but it would not post to the loan until after the forbearance period was over. We called in XXXX, XXXX and XXXX. We made another call to WF on XX/XX/XXXX and were told that the forbearance period ended XX/XX/2020 and would be off our record, as long as we started paying our payments on XX/XX/2020. We paid the note on XX/XX/2020, it has cleared the bank. We are currently filing for divorce and I am going to refinance the house in my name. We waited until the payment cleared the bank to submit the application for refinance, that is when I was told that WF still  shows us in forbearance, the payoff letter also shows them charging close to {$3000.00} in interest for past due payments. We were told that there would be nothing negative on our credit report ( untrue ) and no negative repercussions, that would affect us ( untrue ). On XX/XX/2020, we told them that we declined another 3 months of forbearance ( twice ) and that we were filing for divorce and needed to be able to refinance the house. They responded that after the XXXX note was processed, it would not show the forbearance at all, they also said that the payments from XXXX, XXXX and XXXX would be moved to the back of the loan. There was no discussion of having to pay it in full to remove the forbearance, this was brought to my attention today. I have made a case with WF.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2019 I closed on my house and received the equity check of XXXX from the title company. The check was deposited into an existing checking account at fifth third bank in XXXX Indiana at the XXXX. The check cleared two days later but the manager refuses to release the funds and refuses to pay interest for the days they are fraudulently holding the whole check. She is acting in a vindictive way. I tried to complain to other managers but its late on Friday. Ill definitely try again Monday but need help in getting my money
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Revolut Technologies Inc. (PA)

My phone was stolen while I was working a XXXXXXXX XXXX XXXX  and during that time my account was charged numerous times for merchants that are on another country. I tried filing a dispute with Revolut customer service and they denied my claims stating they were invalid! I have proof that my phone was stolen but these people didnt even care to look into where the merchants were located let alone hear what I stated about my phone being stolen.
Consumer complaint received 2019-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

As part of the process of refinancing my home mortgage, I had an appraisal done on XX/XX/2019. The appraisal came in at a value of {$360000.00}. On XX/XX/2019 I closed on the refinance through XXXX XXXX XXXX, and all of my copies of the applicable closing documents also show an appraised/original value of {$360000.00} from the XX/XX/2019 appraisal, and a date of XX/XX/2019 as the first date a LTV of 80 % would be reached according to the amortization tables and the earliest date at which PMI could be cancelled. On XX/XX/2019 servicing of my mortgage loan was transferred from XXXX XXXX XXXX to Wells Fargo. I contacted Wells Fargo ( several times now ) to cancel PMI now that my LTV is below 80 %, but they refuse and continue to charge for PMI. Wells Fargo claims ( without any substantiating evidence ) that the original value is {$350000.00} and that I need to pay down the principle further before I can request cancellation of PMI. This appears to be deliberate and willful deceit, fraud, and theft on the part of Wells Fargo. I have attached the appraisal, several scanned pages from my closing documents, and the latest letter of refusal from Wells Fargo to cancel PMI.
Consumer complaint received 2019-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (IL)

XXXX XXXX sent me an invoice around XX/XX/2018, for a total amount of {$420.00}. For the past 4 months I have called XXXX 7 times asking for a detailed invoice showing the charges. So far I have not received the detailed invoice. 
They claim the hospital sent the invoice already, which I never received. 
My credit is now badly damaged, down from over 800 to now XXXX.
Consumer complaint received 2019-02-25
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. (MI)

Since XX/XX/2013 I have had constantly fight with Experian, XXXX   , & XXXX to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices
Consumer complaint received 2017-09-15
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 (FL)

I had a very unusual situation with Toyota Financial Services as XXXX lost a trade in car and Toyota ultimately held me responsible for it. We made a deal for a partial payoff amount to satisfy the debt but they have not accurately updated my credit reports as agreed. They are showing that the account is now closed but that I was delinquent in payments. This was not what was agreed when I paid them.
Consumer complaint received 2019-11-09
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: Experian Information Solutions Inc. (CA)

To whom it may concern : Your denial of my credit is based on ( insufficient credit experience ) your words. From a company that has little to no information on me. 
I have multiple copies of Experian reports they did not check their own records.
Consumer complaint received 2019-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (AL)

I had noticed recently that my credit report had collections from a company named Receivable Recover services. On XX/XX/2019 I called Receivable Recovery services because in XXXX I had sent letters asking them to verify debt that they claim I owe and had not received a response. I spoke with 3 different people after calling 3 different times that day. I asked them to tell me what the debt was for and they gave me a list of account numbers and amounts that were owed. I asked if they were duplicates because the some of the amounts reported on my credit report are the same. They said they were not. I asked them to send me validation of the debt and the person I spoke to said that she would check with her manager. On XX/XX/XXXX I received a packet in the mail with a list of account numbers and amounts owed, with the original creditor being XXXX XXXX 
These are the amounts owed. 
{$120.00}, {$50.00}, {$120.00}, {$65.00}, {$150.00}, {$120.00}, {$65.00}, {$630.00}, {$520.00}, {$65.00}, XXXX, {$600.00}, {$350.00}, {$36.00}, {$600.00}, {$28.00}, {$830.00}, {$41.00} Also Included in the packet was various copies of " Conditions of treatment '' with signatures on the 3rd page. On one account the signature is clearly not even my name. I am not responsible for the account. Some of these other signatures look nothing like mine. This is not an adequate validation.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (DE)

Alarm Monitoring Services ( " XXXX '' ) located at XXXX XXXX XXXX N.E, XXXX XXXX XXXX XXXX WA XXXX, made alarm subscription charges which I disputed and I requested that the subscription be cancelled. 

When I disputed the charges, XXXX assessed three {$50.00} 'dispute ' charges and a {$500.00} 'collection ' fee, sending a collection letter ( attached ) through Fidelity Information Corporation ( XXXX XXXX  XXXX Phone : XXXX XXXX, CA XXXX XXXX ), demanding payment of {$840.00}. 

The total subscription charges in dispute total {$190.00}. Additionally, XXXX has applied {$150.00} in 'dispute ' charges and a {$500.00} 'collection ' fee, or {$650.00} total, added to the {$190.00} to equal {$840.00}. 

I have attempted in good faith to dispute the subscription charges through the proper dispute process via XXXX  XXXX XXXX. When XXXX sent the collection letter for the {$190.00} subscription charges plus {$650.00} in dispute/collection fees, I filed a XXXX XXXX XXXX ( " XXXX  '' ) complaint ( ID XXXX ). 

XXXX refused to provide XXXX  XXXX XXXX and Mastercard information regarding the {$190.00} in disputed subscription charges, stating in the XXXX  complaint response, it is not their 'policy ' to respond to Merchant disputes. 

XXXX made an offer to settle during the XXXX  dispute resolution process to 'waive ' the {$500.00} 'collection ' fee but that the remaining balance is due and owing. This offer was rejected and a counter offer, requiring the dropping of the {$150.00} 'dispute ' fees and paying {$69.00} of subscription charges. XXXX rejected this offer and stated they are proceeding with collections.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX {$0.00}
Consumer complaint received 2019-11-09
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: EQUIFAX, INC. (TX)

They are still trying to collect after 21 years. They say the account is open. And I owe {$1400.00} but have available credit of {$9600.00}. I have not oaid on that since XX/XX/2000.
Consumer complaint received 2019-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX  should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.
Consumer complaint received 2019-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX  knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.
Consumer complaint received 2019-02-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

NOTICE- Step 2 of 5 gives me limited choices, the only reason for my choice in step 2 is that it closely refers to my situation by way of credit report. To explain on XX/XX/XXXX I purchased a XXXX XXXX at XXXX XXXX in CA from XXXX XXXX, the commercial vehicle manager. He requested info about my LLC as well and I was certain this was a commercial lease. Regardless, the problem that followed was I found the XXXX to be unstable it was a basic XXXX XXXX, my test drive at Nissan was not on the freeway but around the dealership. So driving it on the freeway was a horrendous experience. Emailed XXXX XXXX. He advised bring XXXX in for inspection. Upon inspection he claimed " there is no problem '' yet a third party mechanic found the issue, Nissan was not willing to work with me, I decided to return the vehicle, voluntary surrender. On XX/XX/XXXX I received certified mail " Notice of right to reinstate contract and redeem vehicle ''. ( having discussed with third party mechanic, I decided to accept offer, have the repair done privately and save my credit ) so I accepted the offer by signing and section " E '' - right to request extension of time to reinstate contract or redeem " which gave me an additional 10 days plus the standard 20 days from date of notice XX/XX/XXXX ( which was weird since I only received the notice on XX/XX/XXXX but I knew this gave me ample time for Nissan to work with me and promptly mailed off the acceptance via certified mail and extension to the address XXXX XXXX XXXX, XXXX XXXX. During this time I was never late and attempting to reinstate my contract but Nissan failed to honor the offer to reinstate. The certified mail with my acceptance to reinstate was delivered to Nissan well before deadline. The certified mail tracking confirms this. Why then was I told by XXXX XXXX on or around the XX/XX/XXXX that " its too late the vehicle is sold? I advised that I received a notice to reinstate but he said no the vehicle " is gone '', no offer to make ''. Did Nissan have any intention to reinstate or did they send out the notice as a pretext to comply with state law since I was never delinquent on the auto payment? I am utterly disappointed and I need clarification as to what went wrong? Why was Nissan so  quick to report on my credit while in negotiations with me to reinstate? Why was the vehicle sold on XX/XX/XXXX, per the notice dated XX/XX/XXXX I received from Nissan?
Consumer complaint received 2019-02-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization, Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX   ****XXXX not mine XXXX/XXXX ****XXXX never late
Consumer complaint received 2020-07-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

In XX/XX/2020 I disputed several collection items with Experian, XXXX  and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (WA)

I joined the website XXXX for travel related purchases ( air travel, hotels ) and at their suggestion got a XXXX Visa Rewards credit card from Barclay 's doing business as XXXX on XX/XX/XXXX - in order to get VIP Gold status at XXXX which offers special discounts, promotional pricing and other benefits when making purchases through XXXX. I verified with XXXX support first that I was applying to the right company and website. 
I did not get the promised VIP gold status on XXXX and after many hours of messages and phone calls they concluded that the card from Barclay 's was not a XXXX XXXX  Visa ( despite saying so on the card and documents that Barclay 's sent me ) and this would have to be fixed by Barclay 's. 
So I contacted Barclay 's support, by text phone and at their direction, through their website 's Message Center, and have tried for some time to get resolution from them, but keep getting delayed. The whole process started in XXXX, and my original goal was to purchase tickets and book lodging for a trip in XXXX as I have told everyone, so at this point I need assistance from you in getting the benefits I am entitled to, which were my only incentive for doing business with Barclay 's in the first place. 
Here 's the time-line : XX/XX/XXXX - Texted XXXX supplied to confirm that the XXXX Rewards Visa was legitimately connected to XXXX and Barclays XX/XX/XXXX Texted Support because VIP status wasn't gold. Told to wait 24-48 hours. 

XX/XX/XXXX Texted Support again. Told to wait 24-48 hours. Objected and was given Customer Support phone number. 

XX/XX/XXXX phone call XX/XX/XXXX third text told to contact barclays XXXX Message to Barclays explaining situation. Given phone number and told to call. 

XXXX Phone call to Barclays. Case was opened. Told to use online secure message center with case number. I did so. 
XX/XX/XXXX still no response so I messaged them to follow up. 
XX/XX/XXXX response from Barclay 's saying XXXX days until next response I also can supply screen shots for the original offer of VIP Gold status and for several stages of these communications.