davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I have spent too long on the phone with your people, in the attempt to get an issue resolved, and was unable to get actual work done. 

There is 4 holds on my account from XXXX XXXX for XX/XX/2022 in the amount of {$35.00} 4 times total XXXX I was told that they can not do anything about it until XX/XX/2022, even if the merchant does not claim the charges. 

Asking for my ss number multiple times, which is a intrusion of privacy concerns and concerns of consumer propriety details. 

I am trying to transfer money from my account to another account but can not, as I am receiving an error that you can not fix Error : Oops! Well, this is awkward. Were experiencing some technical difficulties, please try again in a moment. 

I was transferred multiple times to get this issue fixed, and each time I am being transferred to get fixed or resolved, the person gets on the phone and they hang up. 
I then have to call back in and basically go through this process of verification of my ss number and dob all over again. 

I have been on the phone with your people since XXXX cst. 

This is taking too long and too many people and too many calls to fix issues that are on your side of the fence. 
I can not believe that you are running this type of business process. 

after Hanging up with last person from the company, my account suddenly went to permanent suspension. 
I called back in to serve, and was told that they can not help me. 

Fix the issues or I will send a report as high as the XXXX XXXX XXXX 
I have already reported you to the TXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have submitted a report to XXXX  and I have sent a report to the Banking Commission.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2020 i filed a claim with wells fargo because i was a victim of fraud, I put some money aside for gold and cryptocurrency purchases but the broker turned out to be fraudulent and i never received received any of the investments i purchased. 

Wells fargo handled the matter and stated that they will conduct an investigation. They provided me with two provisional credits in my account of XXXX and XXXX until they are done investigating.I cooperate with them and provided them with the evidence and communications between me and the merchant. 

Sometime in early XXXX they sent me a letter stating that they are still investigating and that they will take back a portion of the provisional credit. Later that month ( XX/XX/2020 ) They took the remaining of the provisional credit, accusing me of fraud and draining my bank account of any funds and leaving it in a negative balance of XXXX USD. They never provided any evidence of their " findings '' and refused to further speak to me regarding this matter. Claims department stated that this case was escalated to another department.
Consumer complaint received 2020-11-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

On XX/XX/20 our mortgage refinance was transferred from XXXX XXXX in Virginia to AmeriHome Mortgage. The first payment was due XX/XX/20. Between the time of closing and the first payment was due, our flood insurance dropped by {$1000.00} per year. I called AmeriHome and spoke with XXXX. She told me she would make a request for and escrow analysis. She said it could be accepted or denied. She said it would lower the amount of the monthly mortgage payment. She said we would hear by XXXX in a call or a letter. She strategized with us to figure out how long we could wait to hear back from the analysis before our payment would be late. Having heard nothing from AmeriHome, on XX/XX/20 I called again and spoke with XXXX. He informed me that he could not find an escrow analysis request. He said he would make a request. He said the late date is the XXXX of the month. I said my mortgage statement says after the XXXX is late. To date we have not heard from AmeriHome about the escrow analysis. I received a letter from AmeriHome on XX/XX/20 saying AmeriHome had not received any payment on the mortgage. I placed a call to AmeriHome and waited 30 mins twice. During the call an automated voice told me that only one payment was due on XX/XX/20. And that an property tax payment was pending. So we assumed that the company had received the first payment. So, we would like some help with this company. We believe our mortgage payment should be adjusted. Thank you, Sincerely ...
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE received my tender of payment on an account, kept it ( theft and fraud ), didn't credit my account, closed all 3 of my capital one accounts, added late charges and reported incorrect balances on my consumer report. CAPITAL ONE dishonored a lawful tender of payment.

CAPITAL ONE is in violation of 15 U.S.C 1691c ( adverse action against a consumer )., 15 USC1691- Adverse Action and discrimination against me, 15USC1681 ( S ) ( 2 ) - Willfully reporting inaccurate information to a consumer reporting agency. CAPITAL ONE kept my payment and didnt apply it to my account.18 USC CHAPTER 47- Fraud and false statements I am aware and know that any transaction to discharge debt liability is in accordance and compliance with UCC 3-104, 3-311, 3-603, 3-415, 1-304 and that any documents transmitted on behalf of the debtor to discharge debt liability on behalf of the debtor are in full accord with HJR 192 ( June 5, 1933 ), Public Law 73-10, UCC 3-419, 3-11, 3-603, 3-415, 1-104 and 10-104/2A-104. 

I have been met with resistance in a matter that shouldn't be this hard to remedy. If federal laws are not upheld I will initiate the litigation process against CAPITAL ONE.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (CA)

My conventional second home mortgage was processed through Better Mortgage. After a tedious process where they asked for several private financial documents which were completely unrelated to the loan in question. After the mortgage loan was processed and signed, I received a letter that the loan was sold to another servicer XXXX XXXX XXXX  and I was instructed to make future payments to the XXXX. A month later, I received another letter stating that the Loan has been sold again to another servicer XXXX  and future payments would go to this servicer. In the midst of this, I received a letter warning of the cancellation of the home insurance which is under escrow payments through the servicer.
Consumer complaint received 2020-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IN)

Second complaint against the company. Garnishment for around XXXX on a bogus debt, agreed to stop the garnishment a month ago and I am still being garnished. Representative from Blitt and Gaines claims they have two other accounts of mine assigned to them and that they are using the one garnishment to pay all 3. I do not know what possible other accounts they have of mine but there is no garnishment orders for the other two and they have not validated these also. They completely lied to you in response to the first complaint. AS you see the attached shows the amount that has been garnished to this point is almost XXXX dollars more than the court order.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-10-21
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. (NY)

I have sent multiple letters to the credit bureau asking for validation of my accounts ( XXXX XXXX ACCOUNT # : XXXX, XXXXXXXX XXXX ACCOUNT # : XXXX ) and have not yet received validation. I believe the information on my credit report regarding these accounts are inaccurate. My first letter mailed out to the credit bureau was dated XX/XX/2021. I have sent reminder letters dated XX/XX/2021 and on XX/XX/2021, a dispute letter dated XX/XX/2021 as well. I am losing my patience and am worried about my credit file reporting inaccurate information that can be affecting my credit worthiness.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attempted to dispute XXXX XXXX reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with XXXX repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to XXXX by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. XXXX   should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. XXXX  should appropriately reage my credit score. Also, I am victim of a natural disaster and XXXX has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX ( XXXX ), XXXX. XXXX XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. ''
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX my student loans were part of the public service student loan forgiveness. I have the letter from XXXX. I'm grateful. However it's still showing on my credit and I need it gone.
Consumer complaint received 2021-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

After payment was made on a debt that was arranged to a lesser amount on a debt that was not conclusively my responsibility to Midland Credit Management XXXXXXXX XXXX XXXX XXXX MI XXXX was victimized by identity theft resulting in my bank accounts and phone service being lost for an elongated amount. After rectifying matters I attempted to resume the payment arrangement that was previously agreed upon settlement installment which was XXXX. They informed me that the balance was XXXX and would not allow me to resume my payments which I attempted to make in good faith although As I was justified.for any and all delinquency. I've made numerous attempts to rectify the matter consistently being.transferred from department to department intentionally hung up on being treated rudely and in a very demeaning manner.. Consistently calling me XXXX or by the wrong name as if they're doing it intentionally. My name is XXXX which is how it is listed shown on my account This is clearly a case of gouging harassment and default on their part. I have disputed the balance of this account internally with Midland Credit Management In which they were supposed to respond to me directly or by email. And with their promissary statements of dispute arbitration by their head officer of that department. I had still not received any correspondence as of today. I've also filed dispute with XXXX XXXX and XXXX to no avail ..Any and all assistance in this matter would be greatly appreciated.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (GA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, Ally Financial add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-05-28
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. (FL)

I have incorrect information in terms of my employer who I never worked for on my Equifax, XXXX and XXXX. I want this false information removed from my Credit Report and exchanged with my current employer XXXX XXXX XXXX XXXX in XXXX located at XXXX XXXX XXXX. XXXX  XXXX, XXXX TX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

Wells Fargos consumer abuse OPNED A BUSINESS ACCOUNT FOR ME AND MY HUSBAND AND CLOSED OUR REGULAR CHECKING ACCOUNT WITHOUT OUR KNOWLEGE???? SO WE HAD NO BANKING ACCOUNT??? BUT NEW PLATINUM BUSSINESS CARDS-SO WE WENT TO BANK -WE WERE TOLD WE HAD GOTTEN CHANGED TO A BUSINESS ACCOUNT??? WE DID NOT HAVE A BUSINESS -WE WERE RETIRED -GETTING SOCIAL SECURITY ... .SO WE CLOSED OUR WHOLE ACCOUNT AND HAD TO GO GET ANOTHER BANK ... WHAT A NIGHTMARE AND HAD NO WAY TO PAY BILLS OR ANYTHING UNTIL OUR NEW BANK GOT US GOING... WELLS FARGO OWES ME SOMETHING FOR THIS FRAUD MONEY MAKING SCHEME AND THIS IS NOT THE FIRST TIME DOING -THEY ARE REPEAT OFFENDERS
Consumer complaint received 2021-10-21
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. (TX)

FOR OVER 8 MONTHS ( SINCE XX/XX/2021 ), I HAVE BEEN ASKING THIS CREDIT REPORTING BUREAU TO FIX THE ERRORS REPORTING ON MY CREDIT PROFILE. TO DATE, I HAVE NOT RECEIVED ANY CORRESPONDENCES FROM THEM AND I KNOW BY LAW THEY HAVE 30 DAYS TO RESPOND. SINCE THEY HAVE FAILED TO RESPOND TO ME, I AM ASKING THAT THE NEGATIVE, INACCURATE DATA REPORTING BE REMOVED IMMEDIATELY BECAUSE THEY ARE CLEARLY VIOLATING ALL FDCPA LAWS. I AM SUBMITTING ALL DOCS I SENT IN XX/XX/2021. THANK YOU.
Consumer complaint received 2020-11-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of Fort Walton Beach, Inc (MI)

XXXX XXXX is damaging my credit by saying i owe XXXX dollars which is not true i try to dispute it but they are not allowing me to do so i spoke to someone at the XXXX XXXX XX/XX/2020 who was very argumentative and pretended she was XX/XX/XXXX, assuming i was on the phone with XX/XX/XXXXthey never said they wasnt XX/XX/XXXX they gave me the worse attitude and i believe this company is fraud i cant afford another bill during this pandemic and this company made my credit go from XXXX To XXXX this is a big problem can someone help me
Consumer complaint received 2021-07-19
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. (OH)

XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SSN:XXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries Since neither Transunion or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please see attached documents. Please remove the following inquiries from my credit report immediately : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2021-05-28
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: FIRST PORTFOLIO SERVICING INC (MI)

Ive received a email from XXXX  stating a new inquiry was made from vervent/XXXX on XX/XX/XXXX. I DID NOT apply for credit. After seeing this inquiry, ive noticed this same company inquiry on XX/XX/XXXX. This is fraud activity. I do not have accounts with this company. Ive never applied for credit.
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank closed my account on XX/XX/XXXX shortly after I complained about illegal overdraft fees. 
When I asked why my account was closed Huntington Banks response was this : " Huntingtons system monitors accounts in a negative status and the system will automatically close accounts that remain in a negative status for a period of time as your account remained in a negative status your checking account ending in XXXX was systematically closed on XX/XX/XXXX and - {$23.00} was owed to Huntington. 

Huntington gave a partial answer ..for a period of time now everyone knows computers can not think on their own ( at least not yet ) Huntingtons system in programmed to close accounts after a specific amount of time, I want to know how long that period is. Consumer have a right to know and I believe that information MUST be transparent. 

Therefore, my only question is this : 1. How long must an Huntington Bank account be overdrawn for it to be systematically closed? 

I will not stop until I get a response to that question. I believe Huntington bank does no provide this information to consumers in any contract disclosures when it is information consumers have a legal right to know.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Ive contacting the credit bureaus Experian, XXXX  and XXXX XXXX for a long time now about the account named XXXX. I have contacted XXXX personally asked for validation of the account they are reporting to the credit bureaus. On or around XX/XX/2021 this account was removed from my XXXX XXXX account for lack of verification but for some reason Experian and XXXX  repot keep lying stated that they have open an investigation but they don't give me any information far proof of what company XXXX has given them that's validated proof clearly this direct violation of 15 USC 1692 and should be handle immediately. 

Also XXXX  has responded to my complaint via post card this also a direct violation of my right to privacy stated in 15 USC 1692. 

there are also hard injuries that I have called XXXX  about in which they lie and act like they don't have information to verify me on file. 

they won't remove address, names and hard inquiries that do not belong to be I will list them below. 

Experian had no problem most address but they too will not remove an address that does not belong to me attached is proof of the incorrect information and proof of my identity
Consumer complaint received 2020-11-02
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: EQUIFAX, INC. (TX)

XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account XXXX XXXX XXXX {$0.00} Date Opened