davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (CA)

The Small Business Administration uses something called a " Vantage '' score, provided by Experian. I applied fo

r an SBA loan and was told my score with this firm was too low to qualify for a loan. I went to Experian 's website. It shows a FICO score but no
way to access a " Vantage '' score. This is important because the FICO score and the " Vantage '' scores from other credit bureaus appear to be different from the Experian Vantage score.

I called Experian and was told they don't offer a Vantage Credit Score report - despite the fact that their website offers that service for a one-time fee of {$7.00}. I applied for Experian 's " Connect '' product - cost {$14.00} - to see if I could get a copy of the Vantage score report. It told me I did not answer the personal questions
correctly. So it seems as though they don't really offer this service.

Regardless, Experian seems to charge for the Vantage score report- isn't that a violation of the law? And they don't seem to have an easy way to see what that report might entail - again, isn't that against the law?

With the US Government using this credit scoring method for something as important as SBA loans- during a pandemic - shouldn't there be more transparency around this process? A credit score I can't access - and can't correct - is being used for something important. Seems you guys should have a look.
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

XXXX To XXXX XX/XX/XXXX at XXXX, MD XXXX P : XXXX XXXX, NC XXXX F : XXXX XXXX. 

XXXX, Attorney at Law XXXX, NC XXXX Urgent! 
RE : Attorney File : XXXX. 

Dear XXXX Thank you for your letter. I have no desire not to pay appropriate expenses including legal expenses related to my loans with the First Citizens Bank and Trust Company. 

I have been asking XXXX to provide me with the itemized bills from your institution and so far he has refused to do so citing, they are privileged documents. 

I have been a loyal customer and have been dealing with this institution for almost 20 years with excellent payment history until the bank changed its policy of renewing the notes and loans every 2 years and suddenly demanded almost XXXX dollars at once because my X spouse refused to sign the documents, even after court orders. This was compounded by XXXX failure to inform my current wife 's requirement to sign the documents either to me or to her beforehand. Once the shock was over and she agreed tosign the documents, XXXX promised to send the documents for our signing but failed to keep his promise, even though my current wife postponed her overseas travel by several days paying penalties to the airlines. Had that been done I did not have to go through XXXX and all these missteps. 

I have always cooperated with the bank to the best of my abilities and paying down the notes and loans, since the dust has settled and will continue to do that. 

XXXX on the other hand has on many occasions has been inconsistent, arrogant and grossly unprofessional and has played significant roles in these matters. He has never given me credit for consistent cooperations in this matter. Neither has he acknowledged my prior payment history for many many years.For example, he has commented that he would take over my XXXX, that I should go to another bank etc. etc. He even wrote derogatory letters when we both agreed to cancel the credit cards. I can give many other examples. 

We think the incidental expenses, home appraisal, legal etc. may be excessive and need clarifications. ( including payments made in these regards ). 

Please, do not hesitate to contact me if you have any questions. 

Your very truly, XXXX. 

CC : XXXX and CEO The First Citizens Bank and Trust Company.
Consumer complaint received 2016-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (WY)

This number constantly calls my place of employment, anywhere from XXXX7 times within an 8 hour day, 5 days per week, for the last month. I do not know what they are wanting because they will hang up or place me on hold for a representative. I 'm at work so I am unable to hold, nor am I allowed personal calls. I am reprimanded every time this happens.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (CA)

My credit card experienced unauthorized charges in XXXX XXXX. Discover did reverse all the charges, however several months after concluding their investigation and that I was not responsible they closed my credit card account. I request respectfully that they reconsider and re-open my credit card. The fraudulent activity in this matter appears to trace to an address in a crime stricken area of XXXX XXXX where I do not live and have never lived, about XXXX miles away from me, and a proper investigation by XXXX has proven that I have nothing to do with that address as well. The credit bureaus removed this fraud XXXX XXXX address from my reports, and placed a seven year fraud alert on my credit profiles which is done only in cases of ACTUAL identity fraud. Finally, a private investigator went to the fraud address in XXXX XXXX where the goods were apparently shipped, and investigator met with owner/landlord of that property verified that I had no connection to that property, that he had never seen me after being shown my driver 's license, and that I had never rented from him or been anywhere near that property to his knowledge. I went through a thorough review of my Discover account already and on XXXX XXXX, XXXX, Discover 's executive office of consumer advocacy already reinstated my full credit line. 

After all this, Why is it that insult has been added to injury and my credit card closed when I have done nothing wrong?
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (TN)

XXXX XXXX is reporting a bankruptcy. and verifying to all three major credit bureaus. The Federal bankruptcy court is not reporting any information to the credit bureaus and I don't have an account or contract with XXXX XXXX. The Bankruptcy filing is not accurate. 

Hunter Warfield is reporting a judgment that has been satisfied in the XXXX XXXX Tennessee Circuit Court. Hunter Warfield was not a party to the judgment that was satisfied and it is illegal for then to report a civil judgment in which they were not a party to the suit. 

Tennessee Dept. of Human Services is reporting a Texas Civil Judgment. The State of Texas only gave them the authority to enforce child support. The Dept. of Human Services has refused to give me a hearing to contest this negative information and Tennessee law strictly prohibits adverse actions without an opportunity for a hearing. The account should be deleted immediately.
Consumer complaint received 2016-06-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (SC)

XX/XX/2106, I was notified by Early Warning Services that information resulting from Identity Theft was being reported by XXXX and XXXX XXXX XXXX XXXX regarding charged off accounts that were abused and subsequently closed. I disputed the information with them several times, but the banks continue to " verify '' the information as " accurate '' even though multiple records are being reported with social security numbers that are not mine. On XXXX XXXX, after attempting to resolve this situation with them to no avail, I sent to Early Warning Services a letter requesting the information be blocked in accordance with FCRA 605b which included a copy of the police report stating the identity theft and institutions which were involved per policy. Since then they are still refusing to block the information from being reported claiming that it is up to the banks to delete the record and they have no responsibility to block the information. I attempted to contact them multiple times on XX/XX/XXXX and XX/XX/XXXX requesting a supervisor in attempt to resolve this situation or receive clarification and they are refusing to speak with me further. I am extremely frustrated as I have done everything required and am still not receiving any resolution.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC (VA)

Scott and Associates took out money out of my savings account on XX/XX/XXXX in the amount of {$760.00}. Plus there was a fee of {$120.00} taken out that day as well. On XX/XX/XXXX an amount of {$790.00} was taken out for the same debt that had already been paid. They claim they never received this money from by bank. My bank has stated that Scott and associates has not done what they are supposed to do to receive this money. Meanwhile, Im getting court notices repeatedly sent to me and I have now paid over twice the amount, still getting collection calls and my credit every month gets dinged for something I paid off almost a year ago. I was have spoken to both Scott and associates and my bank. It appears they arent following through with that they need to do. But it is in turn hurting me and they continue to create court dates for garnishment on a debt that has been paid, now twice.
Consumer complaint received 2015-12-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

Cavalry has played hide the evidence for far too long. They send only ONE statement ( which is NOT a full accounting from the original creditor ) without proving they own the debt ( except to say they bought XXXX in debts which is not proof they own this debt ). AND they appear to be trying to collect interest without accounting for the interest XXXX a supplying a contract that agrees to interest. I 've told them this and they have ignored me.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (MO)

My mortgage company is LenderLive. On XXXX/XXXX/2015 they withdrew 2 payments from my escrow account for home insurance and Property Taxes. It has been 3 weeks now but neither the county nor the insurance company has received the payments. Also, they withdrew almost {$350.00} more than the actual tax bill. I am trying to get my loan transferred to another lender but I ca n't as they require the payments to be made before they can transfer the loan. Every time I call Lender Live, they tell me that they payments have been made and I have to talk to a new person to explain them all over again. I read the reviews about this company and it seems that other people also have had issues with them paying out the bills from escrow. Please help.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I received an email from Chase advertising a promotion to open a checking and savings account. The offer terms required the following : ( XXXX ) open checking and savings accounts by XX/XX/year>, ( XXXX ) set up direct deposit of XXXX or more to the checking account, ( XXXX ) deposit XXXX in new money to savings within XXXX and maintain for XXXX. 

On XX/XX/year>, I clicked on the link in the email and opened both accounts. I informed my employer to direct deposit XXXX of my pay into the new checking account. I deposited XXXX of new money from my credit union to chase savings. 

Chase activity shows the checking account qualifying activity were fulfilled on XX/XX/year> with a payroll deposit of {$500.00}, and the saving account qualifying activity of XXXX deposit ( with XXXX clock ) were fulfilled on XX/XX/year>. 

The terms of the promotion claimed I would receive XXXX bonuses within XXXX of completing the requirements : ( XXXX ) XXXX for checking with direct deposit of XXXX, ( XXXX ) XXXX for maintaining XXXX in savings for XXXX, and ( XXXX ) XXXX for completing both qualifying activities. 

On XX/XX/year>, in good faith I informed Chase via their XXXX XXXX that XXXX have passed since my qualifying activity to receive the XXXX bonus for checking and requested they investigate. I included the unique coupon code that was emailed to me. I received a response from Chase on XX/XX/year> that the promotion code from the email did not get attached to the account application, and requested I call to speak with a XXXX. 

On XX/XX/year>, I called the Chase Specialist and at first was told there was no recourse. I objected and was escalated to a supervisor that confirmed my case will be forwarded to their research team, and could take more than XXXX to resolve. 

This is not acceptable handling of a Chase mistake. I informed the supervisor that I will be submitting the complaint to create a record and impose a timeline on a resolution. 

Im expecting XXXX bonus that was due on XX/XX/year> to be awarded ASAP, and the remaining XXXX bonus to be awarded on or about XX/XX/year>.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (GA)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-02-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2002 I bought a home using XXXX Pick a Payment option for 7 to 8 years I was never late even though the payment kept going up and I was XXXX off my job. Then the payment went up to XXXX per month from about XXXX per month and the loan was unaffordable. I have been trying to get a loan mode for ( 7 ) seven years I have tried with agencies and without. 
I have appelled my denials. I have just about begged for help from Wells Fargo 's Loss Mitigation Dept. to help me They are saying I owe them too much but when I owed much less they would no help me either ' now they are still not willing to work with me even though I have income. 
I AM OVER XXXX AND HAVE NOWHERE TO GO I am just looking for an affordable resealoution. PLEASE HELP ME
Consumer complaint received 2015-04-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Sierra Holdings LLC (WV)

The auto loan is currently XXXX days past due, and the finance company has begun to call references, and release sensitive information about the loan, and delinquency ( past due status, days past due, past due amount ) to these references. as of right now, it has been XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I noticed my school loan account was reporting to all XXXX  of my reports. I was able to get it disputed off of XXXX credit reports, which is XXXX XXXX and XXXX. They refused to take it off of XXXX. And if you take it off of XXXX by law, you have to take it off of all. I've called in and requested for them to remove the account for my credit report, even though it's past statue of limitations, they still will not remove it. I've sent them proof that they need to remove it. They still have not removed. I disputed the account. They still have not removed it. I've done everything in my power to try to get this account removed and there's still no progress. So I am coming. to the CFPB to dispute the account that I have. on my credit report. account numbers, # XXXX, # XXXX original Creditor : Us department of Ed / XXXX Transferred to : Nelnet Loan Servicing
Consumer complaint received 2022-02-08
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. (GA)

I mailed have called Experian, XXXX, and XXXX numerous times about incorrect information on my report and they continue to blow me off! They are reporting false and inaccurate information and they've failed to fix the situation or hold an investigation. It is now XXXX and they have yet to respond my letter from XXXX! This is completely unfair to me as a consumer that they continue to take advantage of me and stop me from obtaining credit which is my right. Please help because they will not listen to me.
Consumer complaint received 2020-06-01
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. (GA)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (WA)

I've been getting transactions charged to my account and I've dispute all of them and yet they have done nothing to resolve any of it. I've tried everything it went back as far XXXX of 2021 till now they have looked into it seen all the transactions and said it will take up to XXXX before I could get my refund back and yet I've have seen XXXX money back. I've followed up with them and I just get hung up on or transfer to another department to another department and no one to resolve it.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from XXXX XXXX  on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called Experian, the rep there suggested I reach out to CFPB and file a complaint.
Consumer complaint received 2016-10-26
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Someone called my job asking for me would not say what company they were with but said they were trying to serve me with papers, that I was being sued.so this scared me I did not give any info, and ended up arguing with the lady on the phone because she would not tell me what company she was with. I told them not to cal my job anymore and gave my cell number. They called my cell left me a nasty messages again they were going to call my boss and let them know I was getting sued. I called the number back and found out it was a company saying their name was of XXXX and they were attorneys hired by ace check cashing and they were coming to my job to serve me.i was outraged and told them that was outrageous and not to call me again and threaten me
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (VA)

On XX/XX/year> I opened a XXXX XXXX XXXX with US Bank with a welcome promotion stating that I would receive a {$400.00} bonus after I had completed a direct deposit of {$5000.00} or more ( paycheck, government benefits etc only ). I signed up with this account along with a colleague of mine. 

I transferred {$5000.00} from my first paycheck after opening to US Bank and it was received on XX/XX/year>. 

I called US Bank around XX/XX/XXXX asking if there were any complications with the promotion as my friend had transferred his paycheck to US Bank and received the promotional offer per the terms in the past couple of days but I hadn't. The representative was very nice, confirming the promotion was attached to my account but remining me that it can take 60 days to pay out the funds from opening the account. 

On XX/XX/XXXX, I am filing this complaint as the bonus funds have not been posted. In my experience previously, the complaint takes about XXXX days to be routed to the financial institution so the 60 day timeframe should be satisfied by the time this complaint is received.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My XXXX XXXX  XXXX  accounts were transferred to citizens and it doesnt make sense today in the mail I received XXXX of the same cards wi to different limits when they look the same with XXXX  I had both were different XXXX and rewards were different why wouldnt they keep it the same or send me XXXX different card types why the same