davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
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 SPOKE WITH A REPRESENTIVE AT XXXX XXXX XXXX XXXX ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent several requests to Experian, XXXX  and XXXX  for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

XXXX  has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

Experian - XXXX XXXX XXXX my name is XXXX XXXX XXXX Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX my name is spelled XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

I was trying to do business with an e-commerce business and went to check out. Upon selecting my payment method I chose PayPal. I went to check out but was denied due to a bank card not being linked. When I opened my PayPal account I see I have PayPal line of credit with more than enough funds available to use. I contacted both PayPal and ( XXXX XXXX ) PayPal credit ; I was told that they select which business can use this line of credit. I told them that they are being discriminatory towards businesses. Upon further investigation it looks like XXXX XXXX and PayPal are in an unethical and bias in determining which businesses can use PayPal Credit and which ones can't. I asked for a list of businesses that I can use my credit with but again was denied such a list.
Consumer complaint received 2021-08-23
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: American First Finance, Inc. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-11-11
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: MicroBilt / PRBC (formerly CL Verify) (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MN)

I have reason to believe wells fargo bank opened at least 1 account without my permission.

I called there 800 number and they would not help. I was told to go to local branch. So I did the person there was honest. They can only see active accounts and ones just closed.

so there not being helpful in this at all.
Consumer complaint received 2022-01-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

I was approached, actually hounded, by rocket mortgage to refinance with the promise of no paperwork and lowering my mortgage payment by $ XXXX. After several weeks and massive documentation they could only lower my payment by $ XXXX and my mortgage would increase from XXXX to XXXX. This seemed almost like churning for a commission. I had a conversation. With a supervisor who wanted to know why I had not refinanced. I explained how I had been given false information and my mortgage would not decrease as promised and I had jumped thru hoops including being asked for employment records from XXXX yrs previous. Even after providing tax returns from my CPA. 

I did not hear again until I paid my next mortgage and my escrow had increased $ XXXX. No tax increase was noted in XXXX nor was there an insurance increase notification. $ XXXX the following year? 

I asked company and they said there was deficient escrow and the increase was for the yr.
Consumer complaint received 2021-10-26
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. (KY)

Every single credit bureau is reporting inaccurate accounts on my credit reports and they are in violation of the fdcpa and fcra. This is misleading false reporting at its best. remove all inaccurate accounts from my consumer report asap or I will be seeking litigation. I am attaching all inaccurate accounts to this complaint.
Consumer complaint received 2021-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (MO)

When I started doing business with this company, part of my payments went towards principal. Since COVID hit, they have started applying payments to interest only. And I'm fairly certain that they raised the interest rate so that the pay off amount only gets bigger. I have contacted them directly with no response and I reported them once through the XXXX. They made a credit to my account t once and I thought they may have actually corrected the problem, but it has resumed.
Consumer complaint received 2018-02-12
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: SYNCHRONY FINANCIAL (NV)

XXXX XXXX Care Credit Account I requested that my XXXX give me a proper treatment plan, and a written diagnosis, after he changed course from fixing a few XXXX XXXX for a few thousands dollars, to a total XXXX XXXX totaling $ 35,000.00+. 

My XXXX refused my request for a new treatment plan and diagnosis, then wrongfully abandoned me by stating that he 'was in way over his head '? 

And then, in the same email, my XXXX  gave me an unqualified psychological diagnosis of XXXX XXXX XXXX so he could justify his abandonment, and keep the fees I already paid via XXXX XXXX ( Care Credit ). 

Point of fact, the XXXX  charged my credit card to it's maximum of {$20000.00} in a rapid manner ; then I had to fight for a partial refund of the XXXX  HE NEVER INSTALLED ( refund of {$6500.00} ; only given after I filed dispute with XXXX XXXX ). 

In addition, I ended up speaking with the NV Dental Board and they recommend I go to a XXXX  at XXXX XXXX XXXX  ; which I did. And my new XXXX has informed me that all work done by the previous XXXX would have to be redone because it was faulty. 

XXXX XXXX ( Care Credit ) has refused to refund the remaining charges ( {$1800.00} on XX/XX/XXXX ; and {$10000.00} on XX/XX/XXXX ). And I have communicated with them and the original provider for several weeks ; and to no avail.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (WI)

Back on XX/XX/XXXX I put through a fraud claim on items purchased through XXXX. Received a credit on my statement of {$2000.00}. I realized that my Visa Gap Rewards Credit Card was added in error because of me to my XXXX account. In the meantime I authorized XXXX to charge my XXXX XXXX  the week of XXXX for all the charges that were being reversed by Visa Gap. I realized at that time this was not fraud. XXXX has locked me out of my XXXX account and the only way to get access to all of our streaming was to authorize XXXX to charge my XXXX XXXX card. I had called Gap Visa and informed them that I made an error and this was not fraud. I called them from my number XXXX. On XX/XX/XXXX they recharged my Visa Gap card. I explained that o already paid for all the charges that were reversed on XX/XX/XXXX. Gap Visa stated I needed to work with XXXX as they would see that the fraud claim was reversed. When I call XXXX they tell me to work with Gap Visa. At this time I am out money as I have paid for my XXXX purchase twice and I need a credit or a refund from XXXX or Gap Visa.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I called capital one today to question a interested charge on my account for XXXX. They explained that because I paid my account off early in XXXX that my account went into interest accuring. My XXXX balance was {$49.00} I paid {$200.00} in that billing cycle. My next statement was {$220.00} and I paid an additional {$150.00} over the course over two months I paid XXXX but my statement was XXXX and because I paid early I got an interest charge. I've paid more then my statement amount each month. This is needs to be address.
Consumer complaint received 2020-12-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

i have a account from XXXX XXXX XXXX XXXX account number XXXX its reporting on my credit report on transunion as open account, but how can this account be open if the account is charged off and also this account not even mine. please have XXXX XXXX double check my ss number is XXXX i know there are other XXXX XXXX in my town and maybe the name got crossed. i think this is a major problem that is hurting my credit, and i think XXXX XXXX should delete this account from my credit report and make this right.
Consumer complaint received 2019-10-25
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: NCB Management Services Inc. (CA)

I filled chapter XXXX Bankruptcy in XX/XX/XXXX and it was Discharged XX/XX/XXXX. 

I have been advised by my bk lawyer, that to review my report That all account included in the bankruptcy is to show the following. 
Discharged in Bankruptcy, included in Bankruptcy, or Bankruptcy Balance must show XXXX Account must be listed as closed A no negative late payments can be showed except for bankruptcy. 

The question of have is, I have one account that was included in Bankruptcy and was discharged, Closed and balance is XXXX. 

Two credit bureaus that provided XXXX XXXX my report, this this one account under COLLECTIONS, but it does state Discharged and not under the closed file. 

Is this legal, I have reach out, to the two credit bureaus, XXXX XXXX and no one has replied on this issue or fixed it. 

If this account was included in my bankruptcy and discharged it should not be under collections. 

Can you advise if this is correct and if I should file a complaint. 
I under the Bankruptcy will stay on my credit report for 10 years, but not the collections and I am getting various answer. 

Please advise. 

Thank you
Consumer complaint received 2023-04-04
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX & XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXX XX/XX/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 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I have reached out to the independent agencies to make sure the reporting was accurate however it is not and even though I did this I have not been able to get this corrected. I have submitted letters to the agencies independently stating my case. I have recently sent this request to the court that I filed with to correct this as well.
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (OH)

On XX/XX/2022 i submitted a dispute to the credit bureaus. The investigations were completed and the Credit Bureaus stated that the accounts were properly investigated but how is that possible if the last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is ground for removal. They also violated my rights under 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX These accounts need be deleted immediately. 

Also update my Personal info. I only have one name ; XXXX XXXX XXXX I only have one address which is my current address. 

I also ordered a copy of my XXXX credit report ( XXXX, XXXX, Equifax ) simply to make sure the accounts were properly investigated. I have came across over 21 violations on my credit report. EVERY violation is circled on the attachments included in this complaint.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I have had this account less than 60 days. This is my 2nd complaint I am filing. I am a XXXX  and I work for another XXXX  in XXXX XXXX. I am requesting the CFPB really look into this complaint -- a normal consumer may not know the avenues to take. 

I wrote a check for XXXX to my landlord. Check number XXXX. My account balance exceeds {$5000.00}. I received a vm yesterday XX/XX/XXXX requesting I call HSBC. I was working and was not able to call them back before they closed at XXXX XXXX EST. I also received an email. 

I called HSBC this morning XX/XX/XXXX. I verified my information and that the check was valid. I was informed that the check had been returned and that I was okay to write a new check. The reason the check was returned -- my signature on the check did not match the signature on my account. I proceeded to inform them my account was opened online -- there was no signature on my account. The signature also matches the other checks I have written and cleared the account. 

Now my reputation with my landlord is tarnished as HSBC returned my check without proper cause -- when I had the funds in my account. I will be charged a late fee from my landlord and any other fees that he incurs as a result of HSBC returning a check when I had funds in my account. HSBC should be responsible for these fees due to their errors. 

Again I asked to be transferred to the complaint area of HSBC and was told there was no such area. I asked to be transferred to the executive office and again was told that I could not be transferred. 

HSBC has no way of internally escalating customers complaints when they call into HSBC. They have no way on their website for contact information. Most consumers would just get frustrated and not pursue the compliant. As I am in banking, I know that I can get a proper response by go to the CFPB. This should not be the case. This bank should be required to have an internal mechanism that a consumer can access to escalate concerns with the Bank. 

I don't want the canned general response. I want this bank to actually do something and fix their practices -- they make life difficult for other banks. I will be closing my account and going to another bank. This is ridiculous at this point.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NE)

I have continued to have a credit card only relationship with Wells Fargo for the past 10+ years. During this time I have had automatic monthly payments scheduled to pay the full amount due on the first part of the month. 

Recently I opened a bank account with Wells Fargo on XX/XX/20. Additionally, I set up additional bank accounts for third-party bank transfers. Somehow on XX/XX/20 my existing automatic payment with a third party bank for my Wells Fargo credit card was cancelled. Because of this cancellation I incurred a late fee as well as a late interest on my credit card. I paid the balance in full for the previous statement and called to speak to a Wells Fargo credit representative to have the late fee waived and they are looking to potentially reverse any accrued interest I may have received. However, the option to setup monthly payments for my credit card is no longer available from my Credit card account. The only payment frequency that exists now is one time and the rest have disappeared from the website. 

I spoke with the credit card services department as well as online banking to explain to them that this is a serious issue to have removed the automatic monthly payment option now that I have added a new checking account. The only option I have now to automatically pay my credit card each month, outside of sending them a paper form to setup automatic payments again from my third party bank, is is to enroll in their online bill payment program and have my credit card paid using this option. This is unacceptable and appears to be an abuse to force users to not only enroll in their bill pay service, but I believe it was in fact Wells Fargo who cancelled my automatic payment once my checking account was created which caused me to incur a late charge and fees for that month.
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022 i submitted a dispute to the credit bureaus. The investigations were completed and the Credit Bureaus stated that the accounts were properly investigated but how is that possible if the last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is ground for removal. They also violated my rights under 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX These accounts need be deleted immediately. 

Also update my Personal info. I only have one name ; XXXX XXXX XXXX I only have one address which is my current address. 

I also ordered a copy of my XXXX credit report ( XXXX, Transunion, XXXX ) simply to make sure the accounts were properly investigated. I have came across over 21 violations on my credit report. EVERY violation is circled on the attachments included in this complaint.
Consumer complaint received 2021-06-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelligent Mortgage and Consulting Services LLC (TX)

DECEPTIVE LOAN ADS On XX/XX/2021, I called Intelligent Mortgage and Consulting Services LLC, of XXXX XXXX, Louisiana to inquire regarding their 1.99 % /2.25 % APR refinance offer I received in the mail. 

A XXXX XXXX answered the phone. I explained I was interested in their offer. After a couple of questions, she then explained to me I would have to pay THOUSANDS out of my pocket to bring down the current market rate to their offered rate of 1.99 %. 

I dont understand how mortgage companies can legally get away with mailing out false VA loan offers.
Consumer complaint received 2023-04-04
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$6400.00} Consider this as my follow-up complaint to make sure that the account is validated.