davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

Last year around XXXX I reached out to my loan processor Caliber Home Loans about a refinance on a property that I have with them. The loan processor said that it was possible and got all of the documents he needed from me. My payment at the time was {$1100.00} and I really needed it lowered. He told me that my new payment would be under {$1000.00} and that I would have a better interest rate. With all of the craziness going on in the world an extra {$180.00} per month dramatically would help me and my family out. This got even better when my payment was dropped down to {$940.00}. All of this was great and worked out perfectly, I thought. Fast forward to this year and all of a sudden, I am being told that my mortgage payment has gone from {$940.00} up to {$1400.00}! I almost had a XXXX XXXX trying to figure out what happened to my payment and what I was going to do in order to afford this. I called caliber and asked them what was going on with my payment increase. I was told that I had an escrow shortage on my mortgage because of insurance payments not being calculated correctly. The representative told me that the loan processor did not calculate my home to have windstorm. I don't understand how this could happen, especially since Caliber had done my original mortgage and can clearly see that windstorm was on there previously. The representative was baffled as well, she did her best to help me by extending the escrow shortage over 36 months. This made my payment {$1200.00}, which is more expensive than the mortgage I had before my refinance! This is ridiculous. Now my thought is that the loan processor clearly knew what he was doing and just wanted to turn through another mortgage regardless of the outcome to the customer, or windstorm is not required for my home.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax ; XXXX and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2017-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

I was declined for a department store credit card because of conflicting address information between my application and the credit-reporting agency, even though my XXXXredit score at that time was XXXX. This rejection notice was received at my home address, the one on the credit card application. I sent a reply to Comenity Bank of XXXX Ohio, the bank that manages this particular credit card, with my return address on the envelope. I waited for a statement and when no statement showed up in my mailbox after XXXX months I went to the store where the purchase was made and made a payment in full to the XXXX on duty and thought that I had fulfilled my obligation. Comenity Bank was, I believe, intentionally send the billing statements to the wrong address that was provided by the credit-reporting agency even though Comenity Bank had my correct address and had corresponded with me and received a response from me with my correct address. I had moved and changed my address more than XXXX years before I applied for the credit card. The Postal Service will only forward mail to a new address for a period of XXXX year after the change was made. This time was long up. I apparently was, and still am, being charged for non-payment fees and interest on an account that I believed was paid of in full. Comenity Bank attempted to communicate with me with recorded messages and phone trees and rarely a human being. when I did return a call and talked to a human, ( XXXX ID # XXXX ), all he wanted was an address update which I gave him. Then I received a bill in the mail that was over XXXX XXXX dollars with no explanation o what the charges were for. I did n't pay this bill. I received a second bill and this bill showed a charge for non-payment and interest on the unpaid balance. I will not pay this XXXX either. 

I would like to add that during the time of this dispute that I had changed my phone number, for reasons not concerning this dispute, and Comenity Bank was able to discover this new number and begin sending messages to it. They should have been able to find my correct mailing address too and not keep sending billing statements to the wrong address to intentionally charge me fines and interest on an account that they denied in the first place.
Consumer complaint received 2021-03-30
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. (MD)

On XX/XX/XXXX, while reviewing my Experian credit, I noticed my mortgage company, XXXX XXXX XXXX ( XXXX ), shows my loan terms as 600 months. I did not sign any documents with XXXX  to change the terms of my loan. However, my credit report shows that the term with XXXX XXXX was 360 months. 

Additionally, XXXX 's credit reporting shows that my mortgage account was opened with them on XX/XX/XXXX, but they were not my mortgage company until XX/XX/XXXX when XXXX XXXX transferred it to them. 

I have sent a message to XXXX to address this matter but have not received a response. Also filed a dispute with Experian.
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I have a complaint with Wells Fargo and I have closed my account with Wells Fargo Home Mortgage. I am writing this to you because they have not refunded my overpayment. In the ensuing escalation of tickets entered by on the Home Mortgage Executive Offices, I have repeated called in and both ( while on hold ) and ( speaking to the Executive representative ) I have been advised the call is and will be recorded and in actual conversations ... that the conversation is being recorded ... .. The implied message is that there is no choice to this matter. ( no option to opt out ) The 5th call that occurred on Wednesday XX/XX/18 I spoke to a person at the Home Mortgage Executive Office and stated within my conversation with them..I also stated that they were being recorded as well. At that time the representative stated quite clearly " Wells Fargo does not consent to being recorded '' This is in direct opposition to all the recordings and statements being given to consumers. It is defacto bullying and intimidation being used with no option being mentioned to opt-out of being recorded ... ... ( which the representative clearly stated to me " Wells Fargo does not consent to being recorded '' to me. 

I am submitted a complaint this is violating customer rights to opt-out of conversations. My Mortage is closed with Wells Fargo and this corresponds to Mortgage Loan .. I want to make it clear that you must OPT_OUT of being recorded. This is completely unacceptable that Wells Fargo makes no mention of Opting out of being recorded. There must be an addendum or mini-miranda stated as well ... .that on all recoded and spoken communication of being recorded THAT YOU CAN OPT-OUT OR REFUSE CONSENT ... this is convenintly being left out of that recorded and spoken opening message .... I will be submitting this complaint to Attorney Generals Offices and to anyone regulatory agentcy I can find to copmplain to until this is changed. YOU HAVE A RIGHT TO OPT-OUT OR REFUSE BEING RECORDED AND WELLS FARGO MORTGAGE IS NOT TELLING YOU THIS
Consumer complaint received 2023-01-30
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. (FL)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-12
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. (VA)

I applied for a loan from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XX/XX/2020 and a credit report was sent to the bank. XXXX sent me a letter, notifying me that my report had some derogatory information on it. They provided instructions to contact the consumer-reporting agency to address any mistakes that I found on my report. I contacted Equifax because Equifax Mortgage Solutions was the agency who reported the information to my bank. I followed their instructions for submitting a dispute on XXXX XX/XX/2020. On XXXX XX/XX/2020, they sent me a response to my dispute stating they had updated my credit file. On page 3 of the letter sent to me, they state If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose '' ... 

XXXX XX/XX/2020, I contacted Equifax to have them send an updated report to XXXX so they would have the correct information with the derogatory information removed. I provided the representative from Equifax the confirmation # of my disputed file so she could reference the same information I was referring. She refused to assist me with how to get an updated report sent to XXXX. I requested to speak with a supervisor, for which I waited on hold for XXXX minutes before XXXX took my call. This was between XXXX. She was not helpful at all, she was more annoyed that I was insisting that they honor the information they sent me by providing an updated report or helping me get to a section within their company that can assist me further based on the correspondence I received. She stated that it was not their policy to provide reports to businesses ; they only provided them to consumers, thats their policy. She said she could not help me any further. I explained that I understood her policy but what I was asking for was also a part of Equifax policy, because they sent it to me in writing as to what I should know. She said very rudely that her policy wasnt going to change, she wasnt going to continue to talk to me about it, and then she hung up the phone. I contacted the Equifax Mortgage Solutions section, which is the section that sent the actual report to XXXX. They also stated their policy doesnt allow them to send updated reports. She told me I needed to contact the regular Equifax, which is the section that hung up the phone on me.
Consumer complaint received 2019-10-30
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: DISCOVER BANK (TN)

On XX/XX/2019, I mailed in a dispute to XXXX, XXXX and XXXX  Credit Bureaus to notifying them that I am a victim of identity theft. I provided my police report and FTC report filed for the identity theft. I requested that the fraudulent accounts be removed from my credit and the creditor be made aware of this discrepancy and the removal of this account from my credit report. When my dispute results came back, the fraudulent information was removed/blocked. On XX/XX/2019, I received a letter from XXXX stating the account is now being reported on my credit report, again, because they receive information from Discover Financial Services stating it was my account, even after I provided all the information necessary to remove/block this from my credit report. My personal information was used to obtain this credit card and many other credit cards, lines of credit, loans and bank accounts. I have both tried working with XXXX and Discover to resolve this issue, so now I am taking it a step further to have this resolved as quickly as possible. This case is being worked on by my local police department, to possibly find out who is responsible for stealing my identity and fraudulently opening accounts using my personal information.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This credit card company is corrupt I have a security alert which they refuse to verify me Im XXXX and they want me to got to a store when I cant XXXX this is discriminatory against the XXXX their is a very rude guy they tranfer me to XXXX they has he is the only guy to process credit card online applications For Neiman Marcus Im sick and tired of his lies he calls me and asks to speak with XXXX then he calls and asks to speak with me XXXX hes is crazy playing games
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE XXXX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM XXXX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX. FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. XXXX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. TRANSUNION ALSO DID THE SAME STUFF. ALSO XXXX. BUT XXXX  HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.
Consumer complaint received 2020-09-22
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. (TX)

I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, XXXX XXXX XXXX XXXX. but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (MI)

I received a scam collection notice from XXXX XXXX, XXXX. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of Paypal Inc. I have never used any Paypal credit products and do not owe any money.
Consumer complaint received 2019-10-30
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2019 XXXX Unethical and Fraudulent behavior from Chase Reps XXXX XXXX ( XXXX Female XXXXl age XXXX ) and Mohammad ( XXXX XXXX Male XXXXl age XXXX ) at then Chase Branch located XXXX XXXX XXXX XXXX XXXX NY XXXX Phone ( XXXX ) XXXX Given the Original Power Attorney to chase bank reps XXXX and XXXX XXXX and submitted legal copy of {$10000.00} CHECK JPMORGAN, It states you can use the ORIGINAL CHECK TO RESUBMIT. ITS BEEN 48 days since we requested for the REFUND CHECK. 
Complaint XXXX XXXX XXXX Other banking product or service Managing an account JP Morgan Chase XX/XX/2019 Open Sent to Company
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

There is a bi-weekly deduction taken from my XXXX as I work for the XXXX XXXX XXXX ( XXXX ). I did not create this account which is over ( 16 ) years old now. It is deemed as being a " Savings Account ''. The bank to which my money is going is clear with all details available to me. The problem is that no one at the bank will talk to me stating " my name is not on the account ''. Well, you can see my dilemma. I 'm working with the XXXX XXXX XXXX XXXX ( XXXX ) and other organizations to remedy this matter. I have a trail of accurate, damning information for those responsible if anyone will take the steps to hold them accountable. I do n't bank with the institution that 's been taking money from my account for over ( 16 ) years. I use another bank to deal with all of my banking needs. Please advise, XXXX XXXX XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2023-03-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a checking and savings account with Bank of America. I recently purchased a car and had to transfer funds to my checking account. Being I passed the limit of transfers they charged me a fee of XXXX. Plus XXXX in withdrawal fees. I called the bank and asked if they could credit my account back the fees. I explained it was my money and I didnt think it was fair to charge a fee. The individual refused to credit my account. Explained the charges were correct. I know if I had a substantial amount of cash in their bank it wouldnt have been a problem. I want my feed back.
Consumer complaint received 2023-01-30
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I bought 2 {$100.00} XXXX gift cards at XXXX apparently sold by US Bank. When I went to use them, they would not work. I had to put all my groceries back. I went home and called XXXX and was informed that the cards had been compromised several weeks earlier, but US Bank hadn't bothered to take them off the shelves. It took over an hour, but they finally agreed to send new cards, but refused to refund the activation fees or to overnight the cards. I was told that they would arrive in 14 days.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (MI)

I received a scam collection notice from MRS BPO, L.L.C. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of XXXX XXXX. I have never used any XXXX credit products and do not owe any money.