davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

OnXX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

Someone opened a checking account in my name apparently with my SSN and overdrafted the account. I only have a checking account with my credit union in my area for over 20 years. The account in question is an hour and a half away from my home
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (FL)

I HAVE NEVER LIVE AT THIS APARTMENT, DO NOT KNOW ABOUT THIS BUT SEE THIS INFORMATION COME ON MY CREDIT REPORT. I INFOMATION THE COMPANY ABOUT THIS BUT GOT NO RESPONSE, THE COMPSNY IS RENTDEBT AUTOMATED COLLECTION, Phone Number ( XXXX ) XXXX - XXXX, Address XXXX XXXX XXXX, XXXX, TN XXXX.
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit Management aka Encore Capital Group are debt collectors attempting to collect a debt on behalf of XXXXXXXX XXXX. XXXX XXXX ( Division Manager ) has been sending me notices every 30 days despite not being able to prove that their account belongs to me. Midland Credit Management aka Encore Capital Group has received several notices from me and I need XXXX XXXX ( Division Manager ) to stop sending me letters. I will not respond to any more mail. 
I do not know how Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) received my personal information. Midland Credit Management aka Encore Capital Group & XXXX XXXX ( Division Manager ) are debt collectors and are harassing me and I will not stand for it. I have not received any services from Midland Credit Management aka Encore Capital Group or XXXX XXXX ( Division Manager ) Recently I priority mailed Midland Credit Management aka Encore Capital Group letters and each company is well aware of what will be the outcome will be if they continue to harass me.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

While in XXXX, I purchased an XXXX XXXX XXXX at a jewelry store for {$1000.00}. 

Upon returning home I had the stone appraised and it was concluded that it was a fake and worth {$5.00}. Furthermore, the stone was weighed by a non-calibrated scale, so if the stone had been genuine, the merchant used a fraudulent scale to weigh it. 

I was given a temporary credit back but that was removed and they reissued the bill a month later. 

I contacted Chase and they informed me that because I made the purchase in a " Face to Face '' transaction, I was not entitled to a refund. I had an opportunity to examine the merchandise before I purchased it and could deem whether or not it was fake. 

I have a certified gemologist XXXX world-renowned ), who provided a comprehensive account of the diamond. He's done this for many clients that have purchased counterfeit items and has never heard of a credit card company treating their customer the same way that they treated me.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (SC)

It shows on my motor report history as if my license is suspended because of XXXX use ... when in fact that's only my cdl permit that was suspended not my regular drivers license and that's only because I refused to take a test. That has nothing to do with my regular drivers license and nothing to do with my driving history as it had nothing to do with me driving and it's affecting me being on uber.
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

The day after XXXX XXXX, I was told by Amerisave loan officer, XXXX XXXX, that they needed my credit card information to " lock my mortgage rate ''. He stated the amount that would be on hold would be {$440.00} for the appraisal. On XXXX I gave verbal instructions to XXXX over the phone that I did not want an appraisal ordered until after I did my personal inspection and negotiated some repairs with the seller. XXXX confirmed by emailing my agent on XXXX and notifying her that I wanted to hold off on the appraisal. I again reiterated my request to XXXX by email on XXXX. 
On XXXX XXXX, I received an email that I had been charged for the appraisal. XXXX told me that the realty agent told him to order the appraisal. I immediately disputed this as Amerisave was the custodian of my credit card information and I gave them clear instructions not to order an appraisal until I personally inspected the property. Amerisave acts as a middle man as the agent must order the appraisal from the appraisal mgmt company. No matter what they were told by a realty agent, my word as the borrower takes precedence, and Amerisave made a poor decision in overriding the borrower 's request by taking direction from a sales agent whose interest is to sell. Amerisave had no right to release my credit card information to the appraisal company at the direction of the realty agent which was against my specific direction. 
After some research online I have come across troubling complaints from other mortgage customers stating that it is a scam that Amerisave is conducting - they promise to " hold '' the credit card and then release that credit card information to their affiliate, XXXX Appraisal. I unfortunately did not come across this research prior to applying for a mortgage with them. 
It should also be noted that the CFPB ordered Amerisave to pay nearly {$20.00} XXXX in XXXX for " bait and switch '' practices related to their charges for appraisals and their affiliate XXXX Appraisal.
Consumer complaint received 2021-11-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mutual Financial Partners (TX)

On XX/XX/2021, I received a phone call from three employers XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX is our company 's receptionist, XXXX is our Payroll, XXXX is the Director for HR, and all thought that I was in trouble with the law, because XXXX XXXX who works for a debt collection agency called my job, my home, and text my phone, stating he worked for the XXXX XXXX Department and was on his way to pick me up. He left a number, and a case number, after telling my past financial business. Case # XXXX, Company 's telephone number XXXX. The main company name is Mutual which is all the receptionist gives when you call. Not only are we still in the midst of a pandemic, but because of this outbreak on yesterday, I immediately suffered a panic/anxiety attack, on the fact that my character is being defamed, and now my job could be in jeopardy because of the tactics he pulled, this is not the first time this company has done this, and I have reported to you guys before, I am now seeking an attorney, and we will prosecute not only XXXX, but the company he works for. I understand they are a debt collector, but the tactics he used is not warranted, nor appreciated, now because of him, I have to be reviewed, and visited the XXXX.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

Dear Sir or Madam : American Express hasnt applied the {$650.00} credit which Im requesting in fees due to not receiving statements. Please stop ignoring my requests as every single one has been ignored. I have gotten the odd disputes for this case that are not described as this dispute. The process for this has been very challenging. 

Requested Credit/Refund : {$690.00} Reason : Statement not Received. I am appealing a rejected dispute on my card. AMERICAN EXPRESS conclusion is wrong. I contacted AMERICAN EXPRESS repeatedly, sending the request via mail & online. I was given a bunch of different dispute numbers for this same issue yet my balance never changed. The wording of their responses didnt match my requests. Its been all a mess and a very difficult process. I never receive the {$680.00} in adjustments. All I got were my old missing statements. I hadnt received statements from XXXX-XXXX since I moved. This dispute is for credits towards those months of being over-billed. I am seeking adjustments for multiple fees charged per month, as not receiving statements caused my bill to increase. The minimum payment amount also skyrocketed because of it. Ive reviewed all of the transactions within the time frame when I did not receive statements. Those fees billed still pending credit are listed below. Fees dates & amounts : XXXX/XXXX/XXXX {$37.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX $ XXXX {$38.00}, XXXX/XXXX/XXXX {$87.00}, XXXX/XXXX/XXXX {$29.00}, XXXX/XXXX/XXXX {$38.00}, XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$31.00}. The following 6 transactions arent listed in the statement but are shown in the inquiry area under the account services tab and in the open a billing dispute choice XXXX screenshot attached ) : XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$12.00}, XXXX/XXXX/XXXX {$9.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$3.00}, XXXX/XXXX/XXXX {$24.00}. Totals : {$680.00}. Its been a difficult process requesting this credit. I only ask for the credits mentioned.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo reps reply to below issues by referring to prior replies which either state the payments in question show cashed or address verified. The payments may show cashed in which case, not by myself.. As stated numerous times prior, the payments were sent after I moved from address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX. I moved in XXXX of 2020, payments in question including amounts of {$3700.00} plus IRS taxes and {$500.00} plus IRS taxes were sent months after I moved and as far as I can tell, cashed by another party in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX I've explained this in prior complaints, needless to say, Wells Fargo reps have not addressed issues.. There is mention of a letter signed which was not by myself, agreeing to payment amount of {$500.00}, also sent to old address after moving.. I can assure the CFPB this letter was not signed by myself.. Further, the amounts in total, {$4200.00}, do not cover damages sustained as result of Wells Fargo reps opening various checking/savings accounts which I did not need or want..I 've called the executive phone bank with Wells Fargo numerous times, given various bogus/incorrect numbers for Remediation Dept for unauthorized accounts. It appears Wells Fargo reps are trained to provide wrong numbers in order to dissuade customers from reaching correct dept. In order to locate correct number, I had to call XXXX, the company whom issues checks for Wells Fargo, given correct number which I've been calling on and off with no resolution ... I've spoken with several supervisors including XXXX and XXXX, requested whereabouts of checks, reasonable settlement offer, new claim rep assigned... To date, nothing done in re to any of those three requests.. Please note, the payment amount of {$3700.00} was reported to IRS for tax year 2020 and needs to be updated to show no payment since it was not received/cashed by myself. Failing to honor this request, Wells Fargo is liable for interest and fees charged by IRS, should my return be audited for not reporting such payment..
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-04-10
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. (NJ)

Experian continues to show an inaccurate public record - Chap XXXX Bankruptcy on my credit report. Experian claims they are getting this data from XXXX XXXX and asked me to contact them. I did and after investigation, XXXX XXXX removed this entry from my file. However, Experian continues to report this entry despite numerous disputes. I have contacted XXXX XXXX and they informed me that they have notified Experian regarding the update to my file but that they can not control what is being shown by Experian.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION (NC)

Hello Team, I opened an online checking account with BB & T on XX/XX/XXXX and deposited online {$50.00} as account opening initial funding. 

After 2 days I transferred {$50.00} and {$200.00} from my XXXX Account to newly opened BBT account. 
These transfers did not go through after 3-4 days and I saw those as reversed in my chase account. 
After this I tried to call the customer care but could not reach them due to certain tool related validations. 

I tried calling XXXX XXXX Branch banker XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and spoke to her about the issue. 
she was able to validate and told me that my account is blocked and I should visit nearest branch to verify my identity. 
I visited the branch and showed provided my id details. 
I spoke to Branch Banker XXXX XXXX at XXXX XXXX BBT XXXX. 

She verified my details and asked me to connect back after 2-3 days. 
Today XX/XX/XXXX i visited the branch and spoke to them again. She verified and told me that fraud prevention team does not want to un block my account as my license belongs to XXXX  and residential address is of XXXX XXXX. I gave her all my documents to verify but it is little weird why the bank wont open account just because my DL is out of state. 

I want help here to ensure my account is opened and need a answer from bank on what basis they have rejected my account even after providing all proofs that were asked. 


Thanks, XXXX
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (CO)

I now have the second modification from Gregory Funding and its the first month of a three month program HUD I DO NOT WANT THIS NEW NOTE going from a 30 year mortgage to a 40 year mortgage and they are adding {$60000.00} to my note for being 164 days LATE== this is XXXX XXXX and I want to crure the late fees of {$15000.00} BUT THEY WILL NOT LET ME REINSTAMENT IS MORE THAN {$22000.00} WHY IS THIS= XXXX XXXX XXXX XXXX XXXX Gregory Funding loan number XXXX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (GA)

WFHM Mortgage - Open XXXX - Sold House in XX/XX/XXXX for {$150000.00}. Not sure why this is on the credit reports.
Consumer complaint received 2020-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (CA)

more than 4 months i received collection form Equifax regarding my previous renter with collector company named XXXX XXXX for amount of {$1300.00} but i have 2 judgements against this i called Equifax and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

This is not my account and is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the fair credit reporting act. This company has agreed to settle a class action law suit for misconduct.
Consumer complaint received 2021-04-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AL)

On XX/XX/2021 a " hazard insurance '' fee was posted to our account in the amount of {$1900.00}. We called numerous times to figure out what this charge was since we called our homeowner 's insurance company and they verified that it was not from them. We made four calls to Freedom Mortgage trying to figure out why we were being charged this amount and nobody could tell us what it was for. We were charged a {$60.00} late fee, and our XXXX payment was put into escrow causing a non-payment because we did not pay this additional fee as we did not know what it was for. On XX/XX/2021 I finally spoke with a manager who said they took off our homestead act documents in error. They said they would reverse this error, however we had to pay the additional monies or our account would be in default. We were forced to pay the money and were told we would not get it back until we close our account with Freedom Mortgage. Again this month we were charged as if we did not file for the homestead exemption even though they have our documents on file. We will be in default again if we do not pay this money. 
We need help. 

Thank you, XXXX XXXX
Consumer complaint received 2018-10-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (OR)

Prosper offered a personal credit for consolidating some of my credit accounts with a lower interest rate, Prosper said this would not affect my credit score, Prospers inquiry showed up as a hard inquiry and has affected my credit score negatively. I did not use the Prosper loan because further into the loan application it showed an undisclosed fee of {$500.00} to obtain the loan. I cancelled any transaction with Prosper.
Consumer complaint received 2020-12-01
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. (IL)

I responded to an advertisement from XXXX XXXX XXXX XXXX XXXX, aka, XXXX XXXX XXXX  ; aka : XXXX XXXX XXXX to refinance my VA home Loan under the XXXX XXXX XXXX XXXX. 

I was required and consented this lender to pull my credit report to determine eligibility. I needed a XXXX  score of XXXX to qualify for the refinance. I was fully aware of my scores and did not expect a problem. However, this lender rejected my application r stating my XXXX  scores were to low, they said my report showed my Experian score : XXXX ; XXXX  : XXXX and XXXX  : XXXX. However, when I accessed my credit file and checked my scores they were : Experian : XXXX : XXXX  : XXXX and XXXX  : XXXX. When I shared this fact with this lender, I they informed me that the scores I receive are scores for " consumers '' and their scores are " mortgage scores ''. I am confused because I have been unsuccessful in obtaining information for the credit agencies to substantiate a " mortgage XXXX  score ''. 

This situation seems unfair, unfortunate and has caused me much anxiety because I am not sure if I should pursue another lender to complete my much desired mortgage refinance. 

My question : Does credit reporting agencies provide different/separate XXXX  scores to lenders that determine credit worthiness of borrowers that are unavailable to borrowers?