davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITY NATIONAL BANK (CA)

This is my 4th compliant to CNB regarding my gift card order. Please reference my previous compliant ID XXXX, XXXX, and XXXX. 

In CNB 's responded letter date on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all those letters did not provide the evidence that I received the gift cards, and didnt provide the full gift card numbers. 

I didn't receive the gift card that ordered from CNB until today.

From the gift card transitions records, it is obvious that both gift cards were not delivered to me.

Please CNB answer the following questions : Did CNB provide the shipping tracking number?

Can CNB provide the my signature for the package delivered?

Can CNB provide the evidence that I received the gift cards?

Did CNB provide the gift card full number to me?

Did CNB provide the protection for the gift card activate?

Can you report your gift card lost or stolen just using last 4 digits gift card numbers?

CNB has to be responsible for the gift card lost or stolen.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

There is a collections account on my Equifax credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

We have a home financed by Wells Fargo that was damaged during XXXX in XX/XX/XXXX. They now have a check for insurance proceeds in excess of {$60000.00}. I was told to set up an online account. To date we have only been able to access the account once. We were told by them " it 's a problem '' - fax your mail your docs. It will take XXXX to process after we get them. This has caused me to call XXXX times to follow up. Each time I 'm told something different about how I will actually get a check. First I was told we will automatically get a minimum payment of {$40000.00}. Today I was told that I would n't. They will not release ANY money until the house is complete because we failed to apply for " self contracting '' status before the process started. I explained that was completely " unreasonable ''. I explained that we had no choice to start the work because we had no roof on the house. No contractor would wait for months to get paid so we were forced to pay all bills. We have supplied Wells Fargo with all of the cancelled checks and paid invoices to no avail. They told me that a XXXX that we submitted was rejected by the IRS. Really? I 'm a XXXX and happen to know that XXXX 's do n't go to the IRS. I explained that they do n't need the XXXX because I am the XXXX that needs the form because I paid the bills. They responded with 'but you do n't have self contracting status ''. I asked how do I get that? They said send us a signed letter requesting it. I did that already. Clearly, Wells Fargo makes a game of this entire situation and there is no way to win. The way in which they treat their customers in this way is unconscionable. They are holding our money and we have no recourse or end in sight. To date our house is mostly complete, I went over with them in detail what is complete and that we need XXXX ceiling fans that still need to be installed. I was told that we would get no money until the ceiling fans are in. To sum it up, they are holding {$60000.00}. because of XXXX ceiling fans. The {$60000.00}. also includes over {$8000.00}. of lost rent paid from the insurance company which obviously has nothing to do with the restoration of the home. I asked for that amount and they told me that was our fault because we should have asked the insurance company for XXXX checks. Today, I was told no money until the ceiling fans are in ( they consider them structural ). I 'll have to schedule another inspection that will take XXXX days for someone to call us to schedule then an additional week to wait for the inspection and the another XXXX days to process the report AND then maybe they will put a check in the XXXX mail to us. With all of the banking regulation this must to be a problem. It certainly is a moral issue. What about all of the people who ca n't finish work on their homes because Wells Fargo wo n't release funds to them? This should n't be a game of shuffling customers around in order to hold their money longer.
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BCA Financial Services, Inc. (FL)

bca financial has XXXX accounts listed on my XXXX report that i have no knowledge of and have never recieved a dunning notice on. i sent them a letter 2 monthes ago requesting validation but never recieved a response
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (PA)

I purchased a prepaid net spend debit card from XXXX XXXX, in the amount of {$45.00} I followed the instructions in order to activate my card. Unfortunately, the card wouldn't allow me to activate, not allow me to have access in usage of the card I spoke with net spend about the issue that was encountering After speaking with more than five representatives, that appeared to be quite incompetent in assisting me I was informed that the card was not only restricted I would be issued out a check for {$39.00} within ten business days It's been over two weeks since this problem has occurred Net spend, or XXXX  XXXX has not refunded my money Kindly rectify this matter please Cell ( XXXX ) XXXX Thank You XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

After the investigation the same results continued with a negative report from debt buyer, XXXX XXXX, formerly XXXX XXXX XXXX, concerning cut-off procedures that the wrong credit account, XXXX XXXX XXXX XXXX also a debt buyer, formerly XXXX XXXX XXXX, engaged in in XXXX XXXX, 2015, after receiving payment that belonged to XXXX XXXX ( also XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX did n't send the ACH money back to the consumer since I owed nothing on that credit account, but they transferred it belatedly to the debt buyer, XXXX XXXX, which made my account delinquent and accrued late fees and default interest fines. I received credit a few times, but the error continued. My phone calls to a sales force, and my Emails to the XXXX XXXX XXXX, and my written correspondence to XXXX XXXX XXXX went unanswered. When I could not figure out what I owed I stopped paying my credit account held by XXXX XXXX, that has no documents or a signed agreement from me. I am on XXXX, and it is against the federal and state laws for them to try to collect on the account as a debt buyer. Equifax is aiding and assisting the debt buyers, XXXX XXXX and XXXX XXXX XXXX XXXX, hence XXXX XXXX XXXX in the scam and racketeering because of the proximity to their administrative and internal controls that lead to the toxic bullying and emotional distress, and continued collection activities.
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: MCLEAN MORTGAGE CORPORATION (VA)

On recommendation of my realtor, my wife and I approached McLean Mortgage Corporation based in XXXX, VA, and loan officer XXXX XXXX, in XXXX Virginia, about obtaining a preliminary estimate ( Loan Scenario Worksheet ) for a lot/construction loan for a potential future purchase. 
Our initial conference call was on XXXX/XXXX/15. No specific land or dwelling was specified, and we did not formally apply for a loan, nor did we sign any documents with McLean. On this call, I clearly stated, as my wife can verify, this was to understand estimates for closing costs, and NO credit report should be pulled, as it could impact our credit score adversely if we went with another lender. 
In a subsequent face-to-face meeting on XXXX, XXXX XXXX admitted she HAD pulled our credit, without written, email or verbal approval. Subsequently, we determined we were not going to pursue new construction at this time. Unannounced, I was very disturbed by a letter from McLean in the mail XXXX/XXXX/15 titled " Statement of Credit Denial '' with a loan number for purchase of property NA. Since we did not formally apply for a loan, there should not have been any loan tracking number, amount or interest rate!
Consumer complaint received 2017-01-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I had previously submitted a complaint loan # XXXX, only to discover today that my interest rate is going up to 5.75 % and then to 6.75 %. This is under the loan modification program where my current rate is 3.75 % and a balloon payment of {$34000.00} for a home currently underwater. I find this behavior unethical, immoral and greedy.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (CA)

XXXX credit card and bank opened a credit card under my name and info. It has shown up on all three credit report bureaus. Contacting XXXX XXXX XXXX XXXX XXXX  would not help with the fraud. Credit card from XXXX was opened XX/XX/2022. Showed up on credit reports XX/XX/2022.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I apologize as i have filed numerous complaints and the most recent one just concluded, I just paid my XX/XX/XXXX payment on XXXX XXXX via the Ditech website, I specifically paid {$2100.00} plus an additional {$100.00} to be applied towards the principle, for some odd reason, Ditech applied {$2200.00} towards the principal and left {$15.00} in the suspense, Why? i wont call because they do not help.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Notice of dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Inaccurate Reporting Dear Experian, I am writing to dispute inaccurate information on my credit report. This dispute pertains to a collection account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I believe that the information being reported on my credit file is incorrect. While I understand the importance of providing details to support my dispute, I am writing this letter to notify you of the inaccuracies without offering specific information currently. 
I am aware of my rights under the Fair Credit Reporting Act, specifically 15 U.S.C 1681i ( a ) ( 1 ) ( A ) which requires you to conduct a reasonable investigation into any disputes raised by consumers. I am requesting that you investigate the inaccuracies regarding the mentioned IC SYSTEMS account and make the necessary corrections. 
I kindly ask that you promptly initiate an investigation and correct any inaccuracies in my credit report. Please send me a written response confirming the results of your investigation. If additional information is required to verify the inaccuracies, I am prepared to provide it upon your request. 
Thank you for your prompt attention to this matter. Please be advised that I expect this issue to be resolved within the statutory time frame of 30 days, as outlined in the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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. (CA)

XXXX credit card and bank opened a credit card under my name and info. It has shown up on all three credit report bureaus. Contacting XXXX XXXX XXXX XXXX XXXX would not help with the fraud. Credit card from XXXX was opened XX/XX/2022. Showed up on credit reports XX/XX/2022.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus, Inc., my mortgage servicer has refused to answer my questions about the servicing of my mortgage ( fee charges that do n't seem reasonable and corrected XXXX mortgage interest form that does not agree with my statements ) despite repeated phone calls. All phone calls are met with an exceptional lassaiz faire attitude followed by no answers to questions. I feel I have no where else to turn -- they hold all of the cards. Worst mortgage servicer ever!
Consumer complaint received 2015-11-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

1 ) Lender refused to send me a copy of the original promissory note of the mortgage loan. 
2 ) Lender refuse to produce a complete chain of assignment of the loan. 
3 ) Lender refuse to produce original loan documents for inspection4 ) Lender refuse to verify that they are the holder of the promissory note as well as holder of the mortgage.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Card Acquisitions Group (IN)

The lady at foster and Monroe threatened to garnish my paycheck if I didnt pay by 12 am that day. Also has called me over and over and over again. She also tried to tell me my mom doesnt care about me. She gave me false information about my mom. Shes been very harassing thats why I thought it was a scam and didnt trust paying the debt because Ive never had a collection agency use scare tactics like telling me she would garnish my wages if I didnt pay by midnight and telling me it would hurt my credit. And telling me my mom doesnt care that I will have to pay this debt.
Consumer complaint received 2015-03-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Universal Account Servicing, LLC (AR)

We were in a pet store, wanting a {$2000.00} XXXX. We were told that we could apply for financing. We did, and they told us we were approved. I asked how much my interest rate and payment should be, and the salesman told me he was n't sure, but it should n't be much. The salesman took me around the store shopping for accessories while another store employee helped my husband load a cage into our car, and yet another salesman was assembling a pet carrier, that we also had to purchase, to place the bird in for travel. They kept us very busy. Finally after they had the cage loaded and the bird in the assembled pet carrier, they called me into the office, to " sign '' the contract. The contract was on a computer, and they scrolled through telling me where to click. I never got to see and touch any paperwork to really look over it. After it was all said and done, I later found out my payment that " should n't be very much '' according to XXXX salesman was {$180.00} per month and my interest rate that " should n't be very much '' according to previously mentioned salesman, was 59.99 %. I was in total shock over that interest rate and knew I could n't afford that kind of payment. I 've made calls to the store, I 've made calls to the finance company AFTER I got a bill from them. I go to their website, and there 's not even a way to review my contract terms. I can not get any help at all. I 've shared their website with a few people and I 've asked people about the interest rate, and everyone thinks the website is bogus and the interest rate is illegal. I need help figuring all of this out. I am very upset with the pet store for how they handled everything, and they wo n't take the bird back. It has been 3 months now, but I was willing to return the bird as soon as I realized all of this. Here is a link to their website : XXXXThe pet store is XXXX in XXXX XXXX , Kansas and the finance company is XXXX. When I went to the XXXX to try to submit a complaint, I put in XXXX of the addresses on the statement sent to me by the finance company and it was n't a legitimate address. I reentered it thinking I 'd made a mistake, and I still got an error. So, I used the other address on the statement, and it did take that. The address that I am supposed to submit payment to, is the one that I kept getting an error on.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

Amex Bank failed to make a timely transaction, and / or continued to process a transaction as late when bills was already paid, claiming that there was no override on their computer program. 
This resulted in being a decrease in my credit limits and being forced to reapply for credit. 
Amex also owes me XXXX for one transaction that was overpaid and never refunded. And XXXX for another payment that was paid when it was not owed. 
The negligence of Amex Bank cause me a XXXX point loss on my credit score and I downgraded a card because the annual fee was XXXX of the value of the entire card and not worth having anymore. 
This, after 19 years of banking with them has become the rationale to leave and have everyone that I know do the same. 
They damaged my credit because their checking and banking system do not communicate with the customer or internally with each other. 
If they dismiss this complaint without a resolution, there will be further consequences.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX XXXX XXXX  opened a credit card for me. It was my first credit card ever. I needed one because my family and so was trying to purchase our first home and my credit was deemed to new. I was advised by my credit union to open a credit card account. So I received a limit of {$2000.00}. I paid my balance on time and more then what I owed for months. On XX/XX/XXXX. My family and I suffered a electrical house fire. We lost every single thing we owned and only had the clothes on our backs and childrens back. XXXX XXXX helped us get into a hotel. I went to my credit union and asked for an increase on my credit card to regain important documentation weve all lost as well as to have food and continued shelter. I was given a {$8000.00} increase. Making my new credit limit {$10000.00}. I never went over my balance maximum and always paid on time what I owed. In the beginning of XXXX. I utilized my credit card to get into a new apt and furnish the apt . As well as, clothes for the children, myself and husband. Unfortunately, it placed me at the maximum of my limit. As well as, a few late charges reflecting on the account which caused the balance to go over the credit limit. I intend to pay {$3000.00} on my credit card with my paycheck. I suffered severe XXXX XXXX due to neglect of XXXX restaurant in XXXX NC. I had severe XXXX  and was terribly ill. I wasnt able to make the monthly payment for XXXX, XXXX and now XXXX. I advised my credit union that I am waiting on my case settlement and will pay the balance in full. They stated I have until XX/XX/XXXX to pay the past due amount or they will place this account as a charge off and it will lower my score even further. I tried to explain my situation but they said this matter is final. I am still waiting for the check to be cut to me. I do not know what else to do. I am in search of employment currently since my recovery. I am a XXXX  XXXX as an XXXX. I have been for over 11 years, I make XXXX XXXX XXXX XXXX for work. Once I receive an assignment I get paid. In this economy it can be slow in getting work. I am doing all I can, as I have explained to my lender XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

The situation in my credit report is causing me profound distress, and my disappointment is thorough. It's not only highly embarrassing, but it's apparent that either you or the company is responsible for reporting this inaccurate information. I have a consistent record of on-time payments
Consumer complaint received 2022-02-09
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. (NM)

Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.