davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (MD)

I opened an account with BBVA on XX/XX/17. I completed my application on that day, but was approved at a later day. BBVA was running a promotion for setting up an account with a direct deposit of {$300.00} or more. I completed the direct deposit and waited the allotted time. My bonus has not been paid. I have called BBVA multiple times and they always say they will look into it but I have never been called back. I was eventually told I opened the wrong account, but after that call I went and looked at my application and it was for the correct account for out of state applications. I emailed multiple times and after weeks I get a reply that the account was opened after XX/XX/17 even though I completed my application on the date. I then email again showing that my application was completed on that date. I get a response a week later to call in again. I call in again and get told it will be looked into again. 

Still no follow up. I just want this properly handled and the promotion applied.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (CA)

Hi. I used XXXX through my XXXX XXXX app to make a transaction with a seller for a product. The seller scammed me on the product and now I am out of money. I want XXXX to pull the funds from his account and reimburse me my money. He sold an XXXX that was filled with cockroaches and unworkable.
Consumer complaint received 2023-03-23
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: TD BANK US HOLDING COMPANY (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXX and anxiety upon me. Additionally, I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S.C. 1681g ( b ) and 15 U. S. code 15 U.S.C. 1681g i ( 5 ) These accounts are in violation of number 100 % accurate.

The credit reporting agency stated that these accounts were properly investigated and came back as verified. However, is this true when there are several inaccuracies showing on my report? 

The address XXXX XXXX XXXX XXXX XXXX  IL is not my address and I have never lived there. In addition to this, the phone number connected to this fraudulent accounting does not and has never belonged to me.

As a consumer, I request to know all the steps the Agency took to ensure these items were 100 % accurate under FCRA 15 U.S.C. 1681i ( 7 ) Method of verification- Description of the reinvestigation procedure. In addition I am demanding this be removed and deleted from my report immediately.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Quality Asset Recovery LLC (NJ)

QAR debt collection agency I received a letter from a previous employer for an attempt to collect tuition reimbursement. Never received notice from my employer that money was owed. My payment was not due until XX/XX/19. I sent in documents that I felt I was not responsible to pay. Also, the check was mailed out on the XX/XX/XXXX never cashed called my bank to verify, and had to cancel payment I was charged XXXX to do that. I filed a complaint through the XX/XX/XXXX and company told them the check was cashed it never was. My case number with them was XXXX.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flyhomes, Inc. (TX)

XXXX a " cash only '' home purchase with Flyhomes Mortgage XX/XX/XXXX. Closed on a home in Texas on XX/XX/XXXX. This was a XXXX XXXX downpayment, paid closing costs and upfront payments to insurance and XXXX. The closing disclosure is attached as CD- Buyer. 

On XX/XX/XXXX we locked in a for a refi rate BASED on the loan estimate sent over. Attached as XXXX XXXX XXXX. Appraisal was to be ordered that day but did not. In fact we asked for documentation multiple times to confirm when the appraisal was ordered and promised on numerous occasions one would be sent to us, but it never has been. Appraisal was done on XX/XX/XXXX and we were told we would give a XXXX  day credit of the per diem the " cash '' loan creates due to the delay in ordering. 

We were sent an email to review and sign closing disclosures from XXXX on XXXX for the refinance where were were to put done an additional XXXX XXXX to create a XXXX XXXX conventional loan. They were incorrect on multiple levels and the lender ( XXXX XXXX ) could not explain why. I was given her supervisor ( XXXX XXXX ) and was told it would be cleared up. Days went by and no help. The supervisor said she was taking it up the chain but then went on vacation and our online dashboard pulled the closing disclosures and now listed items needed for review that XXXX already had been given. 

I tracked down another supervisor XXXX XXXX, again explained everything and was told it would be looked into and then she also went on vacation. Days went by. I sent in a message as our XXXX day rate lock was running out XX/XX/XXXX and was assured not to worry, no additional interest would be added but no actual assistance on why the loan was no closed. 

We have been receiving letters this week as to the date of XXXX XXXX loan amount needed to the sum of over {$600000.00} and in no different position then when the incorrect documents were sent to us on XXXX. There is no end in sight and neither supervisor has taken over ownership.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (CA)

I have had calls every day for two weeks on my work cell phone. At work at XXXX XXXX  like clockwork. When my legal aid help called for me and asked if they were a debt collector they refused to inform him without confirming it was me they refused to give him a manager they refused to give any divulgence of any information and then hung up on him on seven different occasions.
Consumer complaint received 2018-07-30
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. (MS)

I reached out to company on XX/XX/XXXX about credit inquiries that were not authorized by me. I spoke to XXXX and I even tried to talk to her about getting them removed. I then filed a report about identity theft and they still did nothing to protect my account or remove the inquiries. I have attached the identity theft report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these items. It would mean a lot to me if you could assist in removing the following from my credit report. these are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

My name is XXXX XXXX and I am a retired XXXX XXXX XXXX of XXXX  years and have been a faithful member of USAA for approximately XXXX years. I recently got re-married ( XX/XX/2021 ) and in XXXX of 2021 I applied thru the USAA website to have my wife, XXXX XXXX, added to my account as a new member. However, not realizing it, I applied using her new married name ( XXXX XXXX ) instead of using her maiden name of XXXX XXXX as that's what her Illinois drivers license was under as well as her SSN. When I hit the " Submit '' button I was prompted to call USAA as there was an issue. After speaking to a USAA XXXX, I was told to submit her drivers license and SSN card for verification. I did so and heard nothing back for a few weeks. I then called again to see if she had been verified and was told that because I had applied using her married name, that USAA was suspecting me of trying to commit fraud! I then waited until my wife 's new drivers license was issued by XXXX XXXX ( # XXXX XXXX XXXX ) with her new married name on it as well as her new SSN card ( XXXX ) with her new married name on it. I have sent both documents in to USAA XXXX times to prove who she is. We have called several times and keep getting sent to different customer service reps with nothing being resolved other than USAA still thinks that I am trying to commit fraud! I have spent well over XXXX hours on the phone with them and at one point they put me on hold and hung up on me! I have been trying since XXXX to add my wife, but to no avail. I am appalled that this process has taken so long and that as a XXXX  year member of USAA as well as a United States XXXX Veteran of XXXX years, they think I am trying to defraud them. I simply want my wife added to my account so she can start to reap the many benefits that USAA has to offer. My USAA member # is : XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (NY)

I recently reviewed my credit and noticed some hard inquiries that I am not aware of. The inquiries are as follows : - 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 2021-09-08
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)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-12-12
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. (UT)

My XXXX  and Transunion report have my XXXX XXXX account stuck in a past due status. It was paid off in full when it was 60 days past due but it is still stuck in a 60 day past due status. XXXX has updated it to paid as agreed, but when you look at Transunion and XXXX, they show the account as : account delinquent 60 days past due. 

This is hurting my credit score and it shows that I am currently delinquent.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have two accounts that have been added to my credit reports in error. These accounts do not belong to me and need to be removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-20
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXHave 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company, INC (TX)

I sent certified letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the collection account ( which is reporting as a medical account ) from Credit Service Company in the amount of { XX/XX/XXXX in the amount of {$430.00}, XX/XX/XXXX in the amount of {$440.00}, XX/XX/XXXX in the amount of {$440.00}, and XX/XX/XXXX in the amount of {$440.00} } as you notice the balance increase monthly. XXXX and XXXX   deleted the collection account from my credit report ; however, on all occasions, XXXX stated the information was verified and accurate ; however, XXXX  nor Credit Service Company Inc. has never sent any documentation to support their response as I requested, only that the debt was verified ; however, I requested the debt to be validated. Under the Fair Debt Collections Practices Act ( FDCPA ), proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 )  BREACH OF SECURITY. Penalties against Credit Service Company Inc. is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Credit Service Company Inc. has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. The creditor ( Credit Service Company Inc. ) refuses to provide all documentation requested. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Credit Service Company Inc. clearly has not. Please have account deleted from my credit report.
Consumer complaint received 2022-11-20
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. (SC)

I have file a dispute several time with transunion about the inaccuracy of my public record. I was a victim of a scam and the person filed a bankruptcy under my name. I never went to court nor filled out any paperwork. Transunion has been notified and still refuses to remove this information from my report.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Continues to report incorrect information that is damaging to fico score and reduced our ability to get approved for a loan and caused creditors to deny us credit and has delayed the buying of our horse barn warehouse and has postponed our development. 

See attachment from XX/XX/2022. 

XXXX has not reported my on-time payments for XXXX and XXXX and made a mistake and marked XXXX 30 days late, and the ending month balance is wrong.
Consumer complaint received 2018-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

To Whom It May Concern : I have had correspondence with Wells Fargo over several letters and phone calls regarding account # # # # # # # # and the illegality of the foreclosure that occurred in XXXX. Again, this foreclosure was preventable, but Wells Fargo did everything in their power to make it unavoidable. The latest correspondence from Wells Fargo indicates that they offered a viable solution for us to stay in our home, but this is simply not true. The only modification we were offered on our home mortgage was for a temporary modification of $ XXXX/mo reduction of our mortgage. This was not a sustainable option and was only temporary. 

When we called Wells Fargo originally to discuss modification options, we were told we should not pay any amount of our mortgage in order to qualify for the HAMP modification. We were told to send many different sets of paperwork to Wells Fargo via fax. We sent all this paperwork in several times over and told almost every time that the paperwork was not received or was lost. Departments did not communicate with each other, so one person would not know what the last person had said or seen from us. We even sent things via mail because we were told so many times the faxes were not received or lost. We were told that Wells Fargo Home Mortgage could not communicate with Wells Fargo Home Equity so a combined decision on a loan modification was  impossible. 

Most recently, in the last letter received, Wells Fargo Home Mortgage indicated that the home equity loan was written off in XXXX. Unfortunately, we were not informed of this and continued to receive bills by mail for this loan. If we had known we could have only paid the home mortgage loan we could have afforded to stay in our home. 

Additionally, we qualified for a HAMP loan modification, but recently were told by Wells Fargo that they did not receive the required paperwork for this modification. We did send any and all paperwork we were asked to fill out and send because we were eager to stay in our home. We are so dismayed at the deceitful actions taken by Wells Fargo and have experienced a windfall of negative consequences due to this foreclosure that was preventable, but was forced upon us by Wells Fargos inability or their unwillingness to help our family stay in the home. 

Wells Fargo refuses to admit negligence in this matter and continues to ask us to provide evidence. Wells Fargo has evidence in their recorded calls and correspondence with us regarding the way they handled the matter. Faxes were lost, we were not informed in a timely manner, they did not want to help us stay in our home because we were paying Private Mortgage Insurance which  protected them from consequences of foreclosure, yet did not protect us as the homeowners.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Account # XXXX Account Type : Revolving Account Type - Credit Card Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/2019 Balance : {$0.00} No. of Months ( terms ) XXXXXXXX  High Credit : {$370.00} Credit Limit : {$300.00} Past Due : {$0.00} Payment Status : Late 30 Days Last Reported:XXXX Dispute resolved; reported by grantor Account was in dispute - Closed or paid account/XXXX  balance Date Last ActiveXXXX Date of Last PaymentXXXX
Consumer complaint received 2018-07-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

XXXXXXXX XXXX and Select portfolio is continues to conduct unfair lending practices and mortgage fraud. 

XXXX claims I agreed to a Sub Prime Loan Modification. I never agreed to a Subprime mortgage. My principle balance was {$84000.00} prior to XXXX transferring my loan to their Loan Servicer ( Select Portfolio Servicing ). 

I have been waiting for the past 7 months to get a resolution with Select Portfolio for a Loan Modification, Now SPS is stating they need approval from the Lender who is actually XXXX XXXX. This is a mortgage fraud, XXXX told me to behind on payments to qualify for the HARP program. Now SPS is saying the same thing, my mortgage payment is {$980.00} a month and out of that amount only {$120.00} dollars goes towards the principle balance. 

Please add me to the Class Action Lawsuit against Select Portfolio and XXXX  for Mortgage Fraud