davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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. (FL)

I have contacted Transunion several times via mail and through the XXXX XXXX and the company does not provide the proof and the investigation needed to have these fraudulent accounts posted to my credit report on my Transunion credit report. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WA)

This has been going on for multiple weeks now. There was a payment scheduled that was not authorized by me and the events that have occurred since this unauthorized payment took place have been at the center of this issue. In short, a payment was made from my Wellsfargo checking account to my Wellsfargo credit card. The original unauthorized payment was reversed. 

Since then, a retry payment has been attempted even though the payment was canceled. Over XXXX was pulled from my checking account to my credit card account ( for the second time ) leaving my checking account in a negative balance. The payment does not show on my credit card account. It only appears that the XXXX has vanished. 

This amount was pulled XX/XX/XXXX and still does not show any reversal in my banking accounts. I have spent 3 hours on the phone with Wellsfargo since XX/XX/XXXX. I was told that the funds would be back in my account XX/XX/XXXX - false. I was told that the funds would be back in my account XXXX - false. It has been almost a week that my money has been tied up in limbo. 

The 8+ people that I have spoken with at Wellsfargo have been unable to help explain or give me accurate information as to when my money will be available for my use. I am appalled at the company 's lack of haste and respect for my time. I will be leaving Wellsfargo as soon as my money is returned to my Checking account.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a Bank of America depository account holder for over 5 years and have deposited checks before with no issues. On XX/XX/2018 I deposited a cashier 's check in the amount of {$4000.00} at the BOA ATM on XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Florida. The ATM did not automatically recognize the check, so I understood when I got a receipt with a deposit hold. However the hold placed was until XX/XX/2018. The following day I called customer service to let them know it was an official check and to remove the hold and they refused. No matter how much I explained it was a cashier 's check and all they had to so was look at an image of the check they refused and kept insisting their " policy '' was not to remove holds on checks. I called for 3 days in a row, spoke to service reps, supervisors and a branch manager and like robots they all repeated the exact same words : Bank of America policy does not allow them to remove check holds. I went online and pulled up their written hold policy, that stated cashier 's checks when deposited with tellers are available the next business, and other deposit avenues is the 2nd business day. I read that back to them, and they still refused to adhere to their written ( a contract I may add ) deposit policy. Bank of America is a bank strictly about policy and not people. After speaking to about 5 different people, I realized I was speaking to only programmed robots!
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OR)

My mortgage provider ( PHH Mortgage for XXXX XXXX Mortgage ) has repeatedly failed to apply payments I have sent to be applied to principal, to the principal, despite me following their process for designating extra payment to principal and refuses to correct the issue they caused. The most recent case of this was a payment of {$6000.00} I sent as extra payment on principal on XX/XX/2022. When I received my statement, though, I saw that PHH applied part of this as extra payment in principal, but used part as a monthly payment, and did not make my automatic XXXX payment withdrawal. I reached out to PHH twice ( most recently XX/XX/2022 ) to ask them to correct this. They say they can not, and suggested I instead just make another extra payment because of their mistake ( but that I am still paying interest on the higher principal since they did not apply my payment as they should have ) and will not provide information on how they will ensure my payments are applied correctly in the future. I want them to correct their mistake from the date my payment was made so that my principal reflects the payments I have made and to provide a clear assurance that they have processes in place to avoid future misapplication of my payments.
Consumer complaint received 2018-07-06
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. (FL)

fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXXXXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her XXXX XXXX XXXX.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (CA)

I pre-pay my loan quarterly, and they take my payments as principal reduction and then try to charge me late fees. This is called predatory lending practices. This is why we invented the CPFB when I worked for XXXX XXXX at the FDIC. I have notified them in writing and verbally several times and they still take my exact mortgage payment - and then say Im late. Every time they apologized but they keep doing it. I make my payments about a week apart in the exact amount of the loan payment and yet still - its applied to principle reduction and then send me late notices. This is predatory lending practices, specifically loan servicing predation.
Consumer complaint received 2020-01-24
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. (MD)

I have disputed items with Equifax frequently - they never respond to my disputes - I found out that they have my address being reported and this address XXXX does not exist - that is why I never get responses to my disputes - they are going into the usps trash or being returned to Equifax and being trashed. my correct address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX md XXXX - I have written Equifax about this incorrect information but as I said I never receive a response from them.
Consumer complaint received 2018-07-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC (AZ)

I WAS IN THE HOSPITAL AND OUT OF WORK FOR 3 MONTHS. I REACH OUT TO XXXX XXXX  FOR ASSISTANCE. THEY ONLY DEFERRED 1 MONTH. I HAVE NEVER BEEN LATE FOR 31 MONTHS. I HAVE BEEN PAYING ON A 18+PERCENT LOAN RATE. THIS CAR HAS BEEN PAID FOR. I'M SEEKING RELIEF FROM MY HARDSHIP AND LIKE AN OPPORTUNITY TO BRING THE LOAN.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am a member of XXXX XXXX and I just tried to link my accounts. When I went to add my credit card account It said I was blocked from getting access to my personal banking records. Which of course is my right to have that information after asked for it. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2022-09-14
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. (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. The payment is not late and not 30 or 31 days past due because the payment for XX/XX/XXXX was received on XX/XX/XXXX, and shows on the statements I receive that I suppose to honor will a grace period before late every month this month statement shows XX/XX/XXXX. PLEASE STOP ADDING 30 DAY LATE PAYMENTS ON MY CREDIT REPORT WHEN I PAY MY BILLS PROPERLY OR WILLING SUING YOUR COMPANY.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America began deducting $ XXXXmonth fees from my checking account. When I opened the account, I was told there would be no fees. That was the only reason I opened the account. Then they changed policies, did not notify me, and began deducting fees on the account. The account was inactive and the fees took all of the money in the account. 

On XX/XX/2019 I called Bank of America and an employee told me I would get all of my money back, but I had to go to the bank to close my account in person. I was told this was noted on my account and given a " trace code ''. I went to the bank, but in contradiction with the bank employee on the phone, they told me I needed to call another number to get my money back. I did this, and then they told me I would not get my money back. So the bank ended up taking all of the money in the account that they told me would be free to open.
Consumer complaint received 2017-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This compnay started to contact me a couple years back saying i owe on multiple debts that I do not recall. I have sent them ans the credit agencys mutiple validation letters requestion proff these are my accounts. They havent showed me proof at all. they keep sendinf summarys of these accounts. they havent showed my the contracts for thr origanal debt or any significant proof i am assocaited with these 3 collections. I will like these accounts to removed from credit report.
Consumer complaint received 2022-09-14
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. (FL)

I went to the car dealership and I told them only run my credit with one bank and they ran it with so many different banks. I want these removed this was not approved by me and I told them multiple times dont run my credit with multiple banks. Here are all the unapproved companies they ran my credit with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/2021. CMRE FINANCIAL SERVICES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA CMRE FINANCIAL SERVICE has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2019-06-05
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)

THE INQUIRIES DISPUTED DOES NOT BELONG TO ME, I AM UNAWARE OF THE INQUIRIES THAT WERE PLACED ON MY CREDIT, I DID NOT GIVE ANY AUTHORIZATION TO THOSE COMPANIES THATS ON MY CREDIT FILE.
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc (TX)

I'm absolutely livid that I received a unsolicited debit card to activate sent by Chime Bank to my home address!!!!! This is absolute XXXX and Chime Bank should be penalized by the government for this kind of business model. I have no relationship with these XXXX
Consumer complaint received 2024-03-14
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc. (MI)

My card and account was locked when I noticed fraudulent activity on XX/XX/24. Someone I belive that works at XXXX XXXX purchased XXXX gift cards overnight while I wa sleeping for {$250.00} a piece, then a suspicious charge for kracken tried to go through. I declined the charge and called the account. They locked the card and overnighted me new cards.. but wont let me activate them for over a week now. They are in a foreign country and keep telling me to wait XXXX hours.. everyday is another XXXX hours is the the answer. Meanwhile I just want them to give me my {$1000.00} left in the account and then they can close it and I will never use them again.. they have wanted copies of my birth certificate, DL, marriage certificate, check stubs, XXXX, all which have been sent, which I believe is crazy since they are the fraud company. It didnt take all of this info and verifying to open the account 10 years ago.. why is it taking this much to verify it?!?!
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (KY)

one of the companies for instant ( XXXX ) account had been closed and disputed, months later it shows back up on my report, saying i owe an inaccurate amount. another problem is XXXX XXXX on the 8 plus inquires that are tremendously hindering my credit profile and ability to access to funding. Others are reports being showing that the information is inaccurate reporting and not reporting the same information across all 3 bureaus.
Consumer complaint received 2018-07-06
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 (NC)

Capital one is reporting an open account on my XXXX  and XXXX in the amount of {$2000.00} that does not belong to me. 

On my credit report Capital one shows this alleged debt was sold to a collection agency and both Capital one and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with Capital one and this needs to be removed from all 3 Credit reporting agencies immediately, Capital one is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment
Consumer complaint received 2018-07-06
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. (IL)

XXXX XXXX listed a debt collection on my report for an amount of {$3200.00} for a wireless phone bill. On XX/XX/XXXX, I wrote them informing them that this is a fraudulent account that I am unaware of reporting on my file. They sent back a itemized bill which is not giving me no information on this account. So I wrote another letter on XX/XX/XXXX requesting a debt validation letter for this bill which they say I owe. It was noted that they received my certified letter on XX/XX/XXXX.They sent back another itemized bill which is NOT validating that debt. They could not produce a validation bearing my signature. So I wrote them again on XX/XX/XXXX informing them Per the Federal laws, its my right to validate any debt from collection agency. I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. So on XX/XX/XXXX I wrote to the 3 credit reporting agencies informing them that this company has not been able to produce to me any documents bearing my signature. And on XX/XX/XXXX the 3 credit bureaus has informed me that this account was verified and updated on my account. With no proof of my signature to prove I owed this debt. I request a full removal of this debt associated with any of the credit reporting agencies ASAP.
Consumer complaint received 2020-08-24
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: EQUIFAX, INC. (NY)

Equifax reported a collection company added a collection account of {$64.00} to my credit file that I could not identify. I reported the issue to Equifax who then responded after two days that they investigated and found the collection account to be valid. There is no further information. Equifax has nt provided what the evidence is or what the evidence shows. It simply states they asked the collection company to validate the claim and they said it was valid. The means any company - without documentation - can make claims against an individual without proof.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc. (KY)

gla amount {$37.00}, they kept calling me suppose a bill from XXXX XXXX that was years ago i never got a bill they wanted the money over the phone i ask them to sent me a bill a and they refused, i called XXXX XXXX also asking for a bill and they said they didn't have one to give i have been harrassed with numerous phone call all i ask them to send me a bill that has impacted my credit score i went through XXXX they kept sending me email it would be another month, i check it again it was close with no information, please can you help me to have this taken off my credit score, or just have them to send me a bill.i told them what would they do if someone you never heard of calls wanting money over the phone and nobody will give you a bill it feels like a scan to me.thank you
Consumer complaint received 2023-01-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

on my Credit report with Transunion there are 2 hard inquires that are duplicates. Both hard inquires show from " XXXX XXXX XXXX XXXX ''. The first hard Inquiry from " XXXX XXXX XXXX XXXX  '' was made on XXXX/XXXX/22, the second hard inquiry from " XXXX XXXX XXXX XXXX '' was made on XX/XX//22. Within a period of 2 days the lender " XXXX XXXX XXXX XXXX '' pulled my credit 2x. I have already reached out to the lender and they advised that is was a mistake but to get in contact with Transunion to Dispute. I have sent Transunion a dispute but they neglected to remove the duplicate hard inquiry.
Consumer complaint received 2020-08-24
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. (FL)

I have requested that Experian correct my XXXX XXXX XXXX account since XX/XX/2020. I requested Experian reach out to XXXX and confirm that the information being reported was not current. Experian continues to partially investigate this account and states the previous investigation was valid when it is not. This is restarting my 30 day dispute timeframes and causing unnecessary calls and repeat disputes online. Due to this information not being investigated and updated properly, I was denied a loan in XXXX and gained two hard inquiries for no reason. I have made Experian aware of this behavior, submitted proof and called again on XX/XX/2020. XXXX is barely reporting consumer information because of the pandemic but if information from the company is submitted as proof it needs honored. Today, when I called, I was met with a generic, rude response. I am thankful that the other long term issues on my credit report have been resolved but the XXXX account needs to be updated as well.
Consumer complaint received 2024-05-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: TRUSTMARK CORPORATION (MS)

I have a complaint against a XXXX XXXX at Trustmark bank, XXXX XXXXXXXX, XXXX XXXX XXXX 
I have made several attempts to reach out to her and she will not respond. XXXX, buyers agent have also reached out to her with no response. XXXX had to go to the bank to discuss their concerns. XXXX  XXXX asked buyers agent for a 45 day extension due to XXXX loan. Property is a XXXX property, which I am the listing agent for, and they refused the extension. They did agree to a XXXX week extension and charged buyer a {$500.00} fee. 
XXXX XXXX told clients agent on XX/XX/2024 she was ordering appraisal which she did not do until XX/XX/2024. 
This has costs client {$500.00}, that XXXX  XXXX should pay, it is her fault that client had to get a XXXX week extension. 
I have tasks to complete on my end to foreclosure company that XXXX cant complete due to office not responding.
Consumer complaint received 2021-09-02
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. (CT)

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX They are reporting the wrong address and wrong name. Please have them remove all other names. I have sent letters requesting this to be corrected and they still have not honored my request.