davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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. (MD)

In XX/XX/2020 we had a house fire XX/XX/2020 requested financial help from XXXX XXXX XX/XX/XXXX XXXX  placed my loan in the forbearance program XXXX 2020 I paid {$50.00} per month as part of the forbearance program XXXX XXXX 2020 the forbearance program ended XXXX 2020 I paid my full XXXX mortgage payment and all outstanding monies for XXXX, XXXX, XXXX. 

XXXX XXXX 2020 XXXX reported my loan 90 days past due, i was alerted by XXXX via email my Loan was going into foreclosure and reported to TransUnion. 

XX/XX/XXXX I placed several calls to XXXX XXXX to resolve the issue. Customer service, account resolution, executive escalations said they could not correct the mistake, according to the forbearance documentation i was out of compliance. 

XXXX mailed all documentation to the house address that burned down. I never received any of the mail. When i spoke to XXXX XXXX on the phone I told them my plan to repay all payments in XXXX, that was in XX/XX/2020. 

XXXX XXXX documentation indicated i made the XXXX, XXXX, XXXX payments as stipulated in the forbearance agreement. 

XXXX XXXX  never documented or informed me if payment was not made by XX/XX/XXXX I would be reported to the credit bureaus as delinquent. Language from their documentation " This XXXX have negative impact on your credit score ''. 

XXXX XXXX  sent me on XX/XX/XXXX an electronic copy of my forbearance documentation. The electronic copy was sent at my request. 

XXXX XXXX did not provide me with legal documentation in a timely fashion. XXXXXXXX XXXX did not provide any documentation indicating my credit would be negatively impacted if all monies were not paid back by XX/XX/XXXX. XXXX XXXX  did not act in a professional manner in dealing with my complaint and escalation request. XXXX XXXX  acted in a predatory manner continuing to call me daily to re-finance my loan, which was not possible because of the re-construction from the fire. 

XXXX XXXX  documentation clearly states i made payments for XXXX, XXXX and XXXX, and fraudulently reported my loan as delinquent.
Consumer complaint received 2022-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP (OR)

I stupidly sent {$210.00} using XXXX from my account at Key Bank to an email address on XX/XX/2022. I then realized this was a fake job scam. I did a live chat with a Key Bank representative on XX/XX/2022, asking if the transaction could be reversed and my money restored. This person said no, there was nothing Key Bank or XXXX could do to help. The bank should offer customers some sort of insurance in such cases, just as credit card companies do.
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-12-03
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. (CA)

Hi, I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (OH)

I made 2 payments to my Wells Fargo credit card bill from 2 different banks for XX/XX/22, the payment for XXXX was received and credited to the account but the XXXX was not. I placed multiple calls to get this corrected. I finally spoke with a banker named XXXX ( female ) who took all my information to include the bank 's routing number, account number and the transaction number. She told me i did not need a case number and that this information would be noted on my account. I called Well Fargo today XX/XX/22, spoke with XXXX and he tells me none of the information I gave to XXXX 14 days ago was noted on my account. I was unable to provide him all the original information as I was a work. I told him I would have to call back to the main number and repeat my story for the XXXX time to a different banker. I called Wells Fargo back 1 hour later refusing to speak with a regular banker instead i demanded to speak with a supervisor called an escalation banker. I again repeat the information i gave to XXXX of XXXX, putting my trust that they wont use the information to steal money out of my bank account.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (MA)

I have never heard of The Best Service Company. When I called on XX/XX/2020 at XXXX XXXX  the representative on the phone, they could not verify that the debt in question ( of {$2400.00} ) was mine. They requested my social security number and I declined to disclose that information. Instead, I presented the account number listed on my credit report, the amount of alleged debt, my name, date of birth and several other identifying data points. They could not verify that the debt belonged to me but offered the opportunity to pay off the debt for removal. I made it extremely clear that the debt was not mine, that I had never heard of their company and that I would file a report with the Federal Trade Commission regarding this fraudulent claim due to how it has impacted my credit score. I also made it clear that I suspect that this is fraud and they asked me to submit proof of fraud. Due to the fact that there is no concise way to prove fraud, I am submitting this complaint regarding my experience with The Best Service Company.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have three credit card accounts with Capital One. Over the last three months the bank has been calculating interest charges incorrectly. Also the bank has not been applying payments amounts over the minimum monthly payments toward the balance with the highest interest rate as it should according to its fees and terms condtions. I have been in communictions with bank over the last two months and so far it has not been corrected as promised.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chrysalis Holdings LLC (TX)

XXXX  web site posts your XXXX  score as one value but provides a different, lower value to lenders. Their explanation is that the posted value is a CONSUMER score, not a XXXX, however their website specifically says XXXX score. So, believing I had a qualified score, I applied for a VA refi with XXXX, only to be told my " XXXX '' score provided by XXXX  was almost 50 points lower but offered a refi at a rate higher than for which I believe I would have qualified. This smells of a bait and switch scam between XXXX  and the lending industry.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (IL)

The person on the line said they were from Experian. They said I was eligible for a lower interest rates on my credit cards. They asked me for my credit card information all of the debt that I was owed. Plus all of my credit cards numbers. They knew my Social Security number. Which led me to believe they were reputable. They asked me for my birthday date.Then they asked me to pay them a fee. Which then I didnt and they hung up on me. Which left me with an unsettling feeling because they had all of my personal information.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TN)

Our mortgage loan was paid off in XXXX of XXXX. On XX/XX/XXXX our mortgage statement indicated our escrow balance had been mailed to us. On XX/XX/XXXX we still had not received our check so we contacted Truist Bank. We were told a request would be put in to stop payment on the check and a new check would be issued and to call back on XX/XX/XXXX to check the status of the re-issued check. On XX/XX/XXXX we contacted Truist only to find out the request had not been made. A new request was made and we were told the check had been re-issued and would be mailed on XX/XX/XXXX. On XX/XX/XXXX we contacted Truist to check the status once again and were told yet again the check had not been mailed but would be reissued. We requested the check be wired to our bank and gave our bank name, routing # and account # and were advised a manager would return our call with an update. On XX/XX/XXXX, after no return call from a manager, we contacted Truist once again. We were told the same thing ... the check was being reissued. The check could not be wired to an " outside '' bank - only to another account with Truist. How a bank can not wire funds to another bank makes no sense at all to us. It's a bank. Banks wire funds all the time! On XX/XX/XXXX we contacted Truist once again only to be told the same thing - the check is being reissued. Once again, we requested our funds be wired or sent via overnight. We were advised the funds could not be wired or sent via overnight - only by mail. In addition, our loan was overpaid but because there was a shortage in our escrow account, Truist kept over {$700.00}. Who got that money if our loan and escrow account were closed? There was no money to be paid out of our escrow account. Taxes were not paid from the escrow as they were pro rated at our closing. Insurance had already been paid and premium was reimbursed to us when the policy was canceled. This money should not have been kept by Truist. It should have also been returned to us. This has been going on for several months and we still have not received our money from Truist.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2022 I sent a letter to LVNV asking to validate the account they were reporting on my credit report. Then on XX/XX/2022 I send a letter requesting additional details to which I never got a response.
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc. (PA)

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I've been going back and forth with the credit bureaus about these accounts that appear on my credit report that were part of my identity theft case.
Consumer complaint received 2020-12-03
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: SYNCHRONY FINANCIAL (AR)

There are two paypal cards reporting on my credit report. I saw this after pulling my report on XX/XX/2020. These two accounts are not mine. I have never applied to PayPal or used any of their credit card services. The account reporting in my name is either a mistake or fraudulent
Consumer complaint received 2020-12-03
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. (OH)

On XX/XX/XXXX I submitted a letter to all 3 credit bureaus about removing unauthorized inquiries from my credit profiles. I only received a " verified '' response. I sent a follow up asking who did they verify with. No response. On XX/XX/XXXX I again submitted to have these unauthorized inquiries removed from my credit reports and and yet again they come back as verified. They have done no due diligence in verifying these. I have contacted the companies themselves and they do not have anything with my signature or ID attached.
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc. (AR)

There are two XXXX cards reporting on my credit report. I saw this after pulling my report on XX/XX/2020. These two accounts are not mine. I have never applied to XXXX or used any of their credit card services. The account reporting in my name is either a mistake or fraudulent
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

There are two XXXX cards reporting on my credit report. I saw this after pulling my report on XX/XX/2020. These two accounts are not mine. I have never applied to XXXX or used any of their credit card services. The account reporting in my name is either a mistake or fraudulent
Consumer complaint received 2020-12-03
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. (CA)

Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

Experian XXXX XXXX and XXXX should all have the same information updated I disputed it some got charge offs which mean some company claim it as a tax write off with the irs XXXX so how is tht still on my report s 15 USC 1692 ( D ) 15 U.S.C 1681bsection 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 15 U.S.C1692c They updated some but not all some accounts closed one collections came off but not on all three n its destroying my XXXX XXXX I so hard tried to bring up
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I am reporting the mishandling and negligent care by USAA Wire Fraud department. I was scammed for {$4600.00} transferred from USAA to XXXX XXXXXXXX XXXX for first and last months rent. My would be landlord cut all communications after they solicited additional money from my wife via bank transfer to secure the keys to the property. USAA opened and closed the investigation within one hour. USAA is taking no additional action to further attempt to retrieve our money. USAA representatives have failed us long time customers. 

XXXX USAA checking wire transfer to XXXX XXXXXXXX XXXXXXXX in the amount of {$4600.00} XX/XX/2024 Called USAA to submit a wire transfer fraud report. Was told to wait 7-10 business days. 

XX/XX/2024 Called USAA to submit the police report case number and was notified by USAA that no wire transfer report was created. 

XX/XX/2024 USAA called us within 1 hour to notify that they have closed the case.
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Midwest Recovery Systems (OH)

My account was opened on XX/XX/XXXX. I didn't receive my credit card. 2 weeks later I got a bill from them for {$75.00} for the annual fee. I didn't pay it because I didn't have the card. Then 3 weeks later, they sent me another statement wanting the {$75.00} plus the late fee. This kept going on for a couple of months. Then on XX/XX/XXXX I found the credit card on my credit report in the amount of {$350.00}. I never used the card or activated the card because I didn't have it. So why did they continue to charge my card?
Consumer complaint received 2017-12-15
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo was servicing an XXXX XXXX Mortgage for My mother which was predatory at inception. The transferred her loan to a subsidiary XXXX XXXX  thought they knew we were selling it and in escrow. She recently passed away and we have sold the property and had received a pay off demand and escrow ( Lawyers Title ) attempted to pay them and they refused to accept the payment demand amount knowing we were trying to close escrow. 1 ) they refused to provide a new payoff demand 2 ) they finally provided one which included egregious fees 3 ) one day later they added more egregious fees trying to prevent he close of escrow. It is my feeling Wells Fargo is using XXXX XXXX to undermine their accountability to your law and authority regarding XXXX XXXX  Mortgages knowing deceased parties or seniors may not be alive to advocate for themselves. They have still not settled with escrow and are trying to unlawfully steal or obtain unwarranted fees for matters that have not yet occurred. We were just trying to pay the debt off. Please submit a heavy fine for his illegal and unjust behavior.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (GA)

I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( PAANL ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE PAYMENTS.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

The credit card company is raising the minimum due on my card 's balance. In the past three or four months they have raised the mount twice ... with no notification, on the amount on the statement. They are notorious for not providing quality notification and using cheap tactics. I have two cards with Chase. They closed one card because I wrote to them in disagreement with raising the interest rate. I called on it and they said it is because the Federal Reserve is raising. The Federal Reserve lowered the rates. My initial minimum due was {$10.00} in XXXX. I have never overused or extended my credit. I worked on establishing credit. I paid my card off in XXXX. I have not had a late payment in many many years and only a total of two maybe three late payments. If they have been late it was an error in postage or something similar. There is no explanation. I have had an issue with someone taking my cards and putting them back in my purse or file. I am not certain who was the culprit or why. Someone just needing to control. I am messy but very clean For example, my floor and baseboards are clean, but there is sewing stuff all around or if I get busy, I leave my project there and work on it when I can. The person is real and the person just likes to XXXX with my head and prove I do not have " XXXX '' I am someone's obsession. In fact, I went on vacation for two days in XXXX XXXX at a dirt-cheap price after staying in my room a year. I paid cash except for the two gift cards I put on my credit card for rewards. I paid Chase back for the cards almost immediately. When I arrived at my hotel they required a credit card. I had under a {$100.00} balance because I paid off my card in XXXX right? I get a text and the hotel said the credit card was declined. I am having a really good lunch while waiting for my room. And that's the disruption. I do not have XXXX. I finish go to the hotel and they tell me it was authorized. My bank card did something similar last week at XXXX XXXX. I had to put it on my credit card. They declined my credit card. They know when I am paid. I pay credit card on time!!!! I have never made a late payment. I want the minimum due down there. I wrote to Chase in the Secure message website., a customer service rep, " XXXX '' said Chase won't change the minimum due.