davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (MA)

I applied for a refinance mortgage with XXXX XXXX ( XXXX of XXXX ) on XXXX, XX/XX/XXXX. At the time, they immediately charged my account for an appraisal. It was {$550.00}. XXXX XX/XX/XXXX, I sent an email to XXXX XXXX requesting that he cancel the appraisal as well as the loan application. Apparently the appraisal was not cancelled as I received a phone call on XX/XX/XXXX from the appraiser stating that he was at my house. I explained that the appraisal should have been cancelled by XXXX XXXX. The appraisal was not done. I have requested a refund on three occasions from XXXX XXXX and have not received any communications from them. Please see emails below. XXXX stated that she is not the right person to contact however, she had forwarded my email to the correct person. I would like a refund of {$550.00}. 

XXXX XXXX XXXX, Are you the right person to ask about the refund for the appraisal that did not take place? 

On XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX wrote : Good Afternoon XXXX, could you please tell me when my funds that you collected for an appraisal will be returned to me? Thank you On XXXX  XX/XX/2021, XXXX XXXX XXXX XXXX XXXX wrote : Good Morning XXXX, I have devised to go a different route. I asked XXXX to cancel my appraisal ; could you please have the {$550.00} fee refunded. Thank you
Consumer complaint received 2021-12-03
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: SYNCHRONY FINANCIAL (GA)

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. This is very alarming.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following listed inquiries are in violation of my rights : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C 1681 Section 602 A . States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have provided XXXX, TransUnion, and XXXX with a copy of my identity theft report.
Consumer complaint received 2021-12-03
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: Resurgent Capital Services L.P. (GA)

Because of this incident, 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.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MN)

Issue is with payment to Amerihome Mortgage. 

We attempted to make a direct bank payment via their web site from an account with well more than sufficient money to make the payment. We received an email saying we had paid, on time, for XXXX. A month later we began receiving mail about a missed payment. 

The payment had apparently been reversed a week after it had been submitted. Multiple contacts were made to the company, hours on the phone, nobody could tell us what had gone wrong or how to correct it. Their only advice was " try it again ''. The third time, it just worked, and nobody could explain why. 

The next month it happened again. This time we tried two different bank accounts. Same issue - the web site/email said the payment went through, and it was " reversed '' to no explanation 10 days later. It seems clear there was a technical issue with their web site - these issues began after they made major updates to it. 

We then tried sending a paper check. We were told over the phone that we weren't allowed to send paper checks because of multiple reversed payments, and now had to mail money orders. 

We have the money to pay, and we are potentially going to have damaged credit despite that because their web site has technical issues.
Consumer complaint received 2022-04-27
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. (FL)

In accordance with the fair credit reporter act XXXX  account XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporter act XXXX account XXXX XXXX XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX  account XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX account XXXX XXXX has violated my rights. 

15 usc 1681 section 602 8 states I have the right to privacy.

15 usc 1681 section 604 a section 2 also state a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2020 I received a summons to appear in court regarding a collection account. The original creditor is XXXX XXXX and the company that purchased the account is Midland Credit Management. XXXX  XXXX  charged off the account. MIdland Credit Management is sueing me for the full balance owed to XXXX XXXX. In the paperwork, there is a bill of sale that shows when Midland purchased the account from XXXX XXXX, however, the amount paid for the account is blacked out as well as the aggregated unpaid balance of the account as of the cutoff date. I called Midland Credit to request the information and was told by 2 different representatives that they could not tell me the amount that was paid by Midland Credit to XXXX XXXX XXXX  for my charged off account. 

My question/complaint is - does Midland Credit have to by law disclose to me the amount they paid for the account? Is it legal for them to blackout that information on the paperwork that they are using to sue me?
Consumer complaint received 2024-03-26
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc (PA)

Starting XX/XX/2023, Ive been misled about daily Pay. From the beginning they stated that they only took out transfers fees. Nothing more. I recently viewed my gross pay w my employer and daily pay. It was totally off. Also I have counted my hours and financial reports to the penny. Still it is different from my original paycheck. This morning i withdrew XXXX out of my daily pay account which left me with a balance of XXXX $ and some change. An hour later its gone. This has happened numerous times.I reached out to them, received a run around.I requested to speak w a supervisor numerous times. Daily pay stated that they had no supervisor and only the clerk can help. At this point I am asking for daily pay to be investigation
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 I attempted to use my ATM card and was denied. I had {$500.00} in my account. Capital One informed me they migrated systems and I would not have access to my account for 48 hours. It is now XX/XX/2021 and I still have no access because they lost and closed the account. I have spoken to apporximately 10 reps who just pass my call around and disconnect me. They claim to be aware there's a problem but there's no solution date in sight. I have my paycheck on direct deposit and a number of auto pays that I can't access. No one is helping and I can't survive without my money.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

This is my follow-up request about my complaints dated XX/XX/XXXX. I have an account XXXX XXXX XXXX in my file which is still being reported, even though it was bought by another company. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and I request that you reinvestigate or else delete this account in my credit file. The account is listed below : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I applied for a refinance with Rocket Mortgage. I was quoted a 5.375 over the phone. When I received my disclosure it was clear he had bought down points without me asking and he was trying to be competitive and rolled those into my loan. He ran my credit therefore making an inquiry. 

When I spoke to XXXX XXXX XXXX XXXX he was very dismissive. He noted he had been doing this for 15 years and it was perfectly legal to do so. 

his quota isnt my problem and it clear they are putting themselves before the consumer.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

Account Name : I C SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2021-07-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (PA)

Payment from personal loan was suppose to come out of Wells Fargo checking account in the amount of XXXX. The bank refused to to issue temporary credit and several unanswered chat messages went out to the loan dept about the issue. My other bank XXXX XXXX  had issues and rejected the payment. Wells Fargo sent an unauthorized second payment. XXXX XXXX  Charged XXXX Overdraft for the unauthorized payment.
Consumer complaint received 2022-04-27
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. (TX)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX  : XXXX -- -> : {$500.00} XXXX XXXX : XXXX -- -> : {$4200.00} XXXX XXXX  : XXXX -- XXXX : {$680.00}
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$12000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

I purchased a computer from XXXX online, they accidentally sent two computers, and are trying to charge me for the one I didn't order. As far as I know ( from the ftc website ) it's illegal to charge for goods sent by mistake, especially after receiving them? My bank has been no help and XXXX is trying to handle this like a regular return, saying it's been too long since the purchase to return it, but I only ever bought 1 computer! 

I purchased my computer through XXXX XXXX own website on XX/XX/2021. Initially, the purchase was declined due to fraud protection, but I was contacted by both Chase and XXXX about this and was told my initial purchase didn't go through so I'd have to put it in a second time, and did so as instructed. 

On the evening of XX/XX/2021, two computers arrived at my doorstep ( I had ordered and paid for 1 computer back in XXXX and was awaiting its arrival for some time. Before I had time to do anything about this, I found I was charged an additional {$1000.00} the next morning. I immediately contacted my bank, Chase, and they said they would file a claim for me and reversed the transaction while investigating. I got an email saying they were looking into things, but received no other communications. 

The evening of XX/XX/2021, I suddenly got a notification that my account had been overdrawn by more than {$900.00}. I took a look and the claim was re-reversed, and the charge from XXXX was back. I called Chase immediately but was told to call back when the claims department was open the next morning. 

I'm writing this on XX/XX/2021 because I called Chase to ask to dispute this again, as I still had not received any information or instructions for either keeping or returning the computer. According to the FTC website, it's illegal to charge me for goods I did not order, and no one seems to even care about that law in this case. I got hung up on or was otherwise disconnected from the call. Chase told me they needed additional information and I said I was happy to provide it, but they put me on hold and I kept getting disconnected. Finally I got someone, but they said I'd need to contact XXXX myself and they wouldn't help me at all. I contacted XXXX and they said it's been too long to " return '' the item. I tried explaining that I never ordered the item in the first place, and would be happy to pay a discounted price to keep the computer. He said he could only offer a discount if I was to buy additional items, so I refused. So now, because Chase won't dispute the transaction, I'm almost a XXXX XXXX in the red and XXXX won't recognize what they're doing is illegal either.
Consumer complaint received 2021-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I have reached out to the company several times about their additional fees and charges, some of the payments were not published. They also have new fees that were hidden and I was not aware. They are predatory lending and I wish to have the company exposed. They are reporting false information to the credit bureaus monthly.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (NV)

Repeated requests have been made to this agency to validate the alleged debt and each time they fail to respond and/or send fictitious, made up documents. Also, they make repeated calls to my personal phone, business phone and home address after being notified the alleged debt is in dispute and to cease and desist. They've completely disregarded my consumer rights, violated FDCPA and report false information to the credit bureaus in violation of FCRA.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education  previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
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. (TX)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX  : XXXX -- -> : {$500.00} XXXX XXXX XXXX XXXX -- -> : {$4200.00} XXXX XXXX  : XXXX -- XXXX : {$680.00}
Consumer complaint received 2022-04-27
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: Fidelity National Information Services, Inc. (FNIS) (NV)

chexsystem is incorrectly reporting a XXXX XXXX that I owe XXXX XXXX {$840.00} and that this account was closed and reported on XX/XX/2019. 
This account has been PAID of and there is no money owed to XXXX XXXX..this needs to be corrected immediatley.
Consumer complaint received 2021-05-06
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. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

received multiple collection letters from a collection company for {$240.00} in regards to a debt to XXXX XXXX XXXX i dont know who that is but its false/ inaccurate information and that is inaccurate address.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (IN)

They keep putting a debt on my credit report for a college i never attended because i never even graduated high school yet somehow i owe them {$1200.00}? To add insult to injury i was told the original debt is over 7 years old. I have disputed it several times with the credit bureaus but have gotten nowhere.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I am extremely stressed out with the company, LoanCare. My loan was transferred to LoanCare in  XX/XX/XXXX. I was with another mortgage company starting in XX/XX/XXXX, and I never had an issue with my escrow or insurance policies. In XX/XX/XXXX, LoanCare started to contact me about flood insurance. They needed my flood insurance documents or they were going to put me into a lender placed flood insurance policy. My payment was going from XXXX per month up to XXXX per month. I contacted my condo association because I pay into a flood insurance policy through them. That paperwork was submitted to the initial mortgage company. I called LoanCare, which took hours of my time, to explain the situation, and my condo association kept faxing the insurance policy proof to them. I called every four days. They kept telling me that they never received the fax. So, we would go through the entire process again. After the 5th time on 3 way calls with my condo association, I told LoanCare that I was calling a lawyer if they didn't tell me another way to show proof of this flood insurance. My condo association sent me a pdf via e-mail to show me the proof. Finally, last week ( XX/XX/XXXX ), LoanCare told me that I could upload it electronically. I was furious. So, I received a letter confirming that I was removed from lender placed flood insurance. I was pleased until they screwed up my escrow amount again. They calculated it wrong and have me paying the condo association policy amount per month into my escrow. I NEVER PAID THIS INTO MY ESCROW BECAUSE I PAY A CONDO FEE EVERY MONTH THAT COVERS MY FLOOD INSURANCE. I tried calling at XXXX, and I waited 90 minutes to get a customer service representative, and then they disconnected me while trying to transfer my call to another department. I am beyond done with this company. I really want to refinance with XXXX, but I am unable to get a better interest rate right now. This company is stealing from people 's most valuable asset, their home.
Consumer complaint received 2021-12-03
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 (FL)

On XX/XX/XXXX around XXXX at the laundromat I miss-placed my cell phone which had my Wells Fargo debit card attached to it in the wallet case of my phone. I went back looking for it on XX/XX/XXXX at where I believe I miss-placed it at to see if I could find it. On the same day XX/XX/XXXX I received a fraud alert email from Wells Fargo saying they " detected some unusual account activity on my account ''. I immediately contact Wells Fargo on XX/XX/XXXX in regards to the charges as the last time I had my card was XX/XX/XXXX. There were 6 unauthorized transactions made in a different city from me totaling {$1100.00} on XX/XX/XXXX. I immediately asked the Wells Fargo representative to deactivate the card and disable my apple wallet to avoid further purchases as I believe the person was using my phone as well. I asked Wells Fargo is there anything else I should do like filing a police report. The Wells Fargo representative transferred me to fraud department where they said it would be investigated and I should hear back in 2 weeks and that my new debit card would arrive in the mail. 2 weeks pass by and now on XX/XX/XXXX I received a notice that Wells Fargo completed it's investigation and isn't reimbursing my account for the unauthorized transactions that I did not make. I have been a customer of Wells Fargo since XXXX and am appalled by this lack of resolution.