davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, {$3700.00} + {$48.00} = {$3800.00} was deducted from my checking boa account # XXXX, so I called usps postal service accounting Dept, checking every money order ss #, amount, code, all usps mo I had deposited into my boa account on XX/XX/XXXX, all MO cashed On XX/XX/XXXX ( usps ref tot XXXX ) so I request to refund me $ XXXX {$48.00} = {$3800.00}. Thanks in advance. 

When my boa accnt XXXX was closed on XX/XX/XXXX, {$3800.00} was never deposited or refunded to me. In final closing letter from boa, {$3700.00} + 4x {$12.00} was deducted, Complaint #  XXXX and XXXX
Consumer complaint received 2023-02-07
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. (DC)

My name is 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.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Mortgage Account Number : XXXX. 

This is in reference to the original Complaint : XXXX filed by the Borrower with CFPB on XX/XX/XXXX. The Lenders response was not conclusive and the Lender Placed Insurance enforced by the Lender on XX/XX/XXXX was unbeknownst to the Borrower which was done in a clandestine manner and totally absurd. 

Subsequently, borrower approached XXXX XXXX Senior Vice President, Wells Fargo Home Lending and received the same scanty and sketchy statements from 3 different individuals. In view of the above, Borrower is forced to approach CFPB once again and to look into this matter carefully and request a proper resolution in this matter before closing this file. 

Below mentioned is a summary of the subject matter and the communication between the Lender and the Borrower : 1. There was a lapse in the Insurance Coverage from XX/XX/XXXX which was notified by the Lender to the Borrower on XX/XX/XXXX. 

2. Borrower managed to procure the Insurance Coverage with XXXX XXXX  Policy Number : XXXX, with effect from XX/XX/XXXX to XX/XX/XXXX and provided the relevant details to the Lender during the month of XX/XX/XXXX. This was confirmed by the Lender and both parties agree to the above facts and there is no dispute in this matter. 

3. Lender demanded Proof of insurance coverage for the lapsed period which was not possible and this was clearly known to the Lender. It is impossible for a Home Owner to purchase Insurance Coverage for a lapsed period anywhere in US and anywhere under the Sun. However, there are various Proxy Insurance companies used by Lenders to enforce Lender Placed Insurance on hapless Homeowners under the pretext of LPI and this particular company is specifically used by Wells Fargo and working at their behest. 

4. On XX/XX/XXXX Borrower demanded Payoff Statement from the Lender and in return on XX/XX/XXXX Lender provided with an additional burden {$4800.00} to my existing Mortgage Account when the outstanding principal balance was only {$14000.00}. 

5. This was a covert attempt executed in a clandestine manner to enforce the Lender placed insurance under the pretext of lapsed period Insurance coverage to my Mortgage account. This whole action was totally unwarranted and it is clearly evident from the above that the Lender acted in an unfair manner. Florida Law does recognize an implied covenant of good faith and fair dealing in every Contract which is clearly mentioned in Florida Statue 624.155 6. Attached herewith is an Abstract of the Mortgage Agreement Property Insurance which is self-explanatory and shown as Exhibit A. 

7. This Agreement doesnt authorize the Lender to enforce Lender Placed Insurance for a lapsed period.
Consumer complaint received 2021-03-02
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I had numerous inaccurate names and addresses on my XXXX credit report. I had 2 collection reports on my profile from the same company Columbia debt recovery ( Genisis ). 
XXXX XXXX XXXX and Columbia debt recovery never sent me validation of debt under Fair Debt Collection Practices Act. Columbia debt recovery did a hard inquiry without my permission.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

1 ) My credit Card was stolen, I spent perhaps an hour with HSBC Fraud dept going over illegal and fraudulent charges one by one. They assured me they would be removed and only to pay what I owed. A new card was issued. This was on XX/XX/20 2 ) I did and sent a letter WITH the bill where I circled each fraudulent charge 3 ) I was assured by HSBC 's Customer Service people all charges I didnt not make AND THAT I IDENTIFIED would be removed. 

4 ) You not only did not do that you charged me interest on them. 

5 ) I tried calling your customer service dept again, after a 20 minute wait I explained the situation. I talked to a XXXX ( XXXX XXXX XX/XX/XXXX ). She said you need to verify you pin first, I explained I already did when I called, She kept insisting I go to you automated system to verify a pin I already entered, how could I speak to her otherwise?. She was ZERO help. I asked to speak to a Supervisor and after an epic 60 minutes, obviously she never came onthat is over 1 hour and 20 minutes to speak to someone with perhaps a semblance of intelligence to rectify HSBC 's MISTAKES. XXXX said she tried to get Supervisor but couldnt get one, Excuse my XXXX  XXXX! 

6 ) I wasted hours with their incompetence. All I want are the illegal charges taken off, as they promised, for them to remove a interest charge on monies they said Id did not have to pay. I paid what I owed. They mispresent the truth, did not, as required take disputed charges off and make it impossible to rectify with Customer Service people who can not speak English or know the banks procedures.
Consumer complaint received 2018-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I checked my credit report from all there bureaus and noticed a debt collection item that was added but I have had no knowledge of from Convergent. I contacted the company and was talked to very rudely by a rep name XXXX. She threatened to sue me as well if I dont pay the debt but refused to send debt validation and verification. I have asked Convergent to cease and desist, stop contacting me and my employer. They continue to call and harass me about a debt Im unfamiliar with.
Consumer complaint received 2022-09-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

These errors where sent on numerous of times and nothing has been done. I have sent letters to each company as well and nothing was even responded to. I have to seek and go the legal right I will. I have been reaching out for 6 months now. Also I sent a complaint through here On XX/XX/2022.
Consumer complaint received 2022-09-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

These errors where sent on numerous of times and nothing has been done. I have sent letters to each company as well and nothing was even responded to. I have to seek and go the legal right I will. I have been reaching out for 6 months now. Also I sent a complaint through here On XX/XX/2022.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.
Consumer complaint received 2020-05-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OZK (TX)

I applied for a land purchase mortgage on XX/XX/20 to the Bank of the Ozarks with XXXX XXXX. Application was sent via email. XXXX asked for sales contract, photo ID and mortgage statements with the application. 

On XX/XX/20 underwriting begun and XXXX XXXX emailed me asking for tax returns, w-2s, and pay stubs. A loan estimate was emailed the same day with terms for a 25 % down payment. 

On XX/XX/20 the loan estimate with the 25 % down was signed after I received an email with a counter offer for a loan with 40 % down asking me to accept or decline. Never received 2nd loan estimate. 

On XX/XX/20 email XXXX XXXX about why down payment changed significantly. He responded that the file noted past delinquent credit obligations with others. I asked whether the credit score of XXXX was within the guidelines used by the bank to issue loans for these types of purchases. He responded yes. 

I didn't understand why the down payment increased dramatically since the bank had the credit information, income verification and that information had been reviewed before the 25 % loan estimate had been created. I escalated to XXXX XXXX on XX/XX/20 because I was concerned about the transaction. 

I received a correspondence from the Bank of the Ozarks on XX/XX/20. The correspondence was dated XX/XX/20. The correspondence more information about the decision to counter offer. 

My last conversation with XXXX was on XX/XX/20. He advised me that his Bank 's procedure is to not underwrite before a loan estimate is issued, that credit reports and underwriting is only done after a signed intent to proceed, and the bank makes 40 % down loan offers to applicants with XXXX credit scores. No one with credit score of XXXX or below receives 25 % down payment loans for this type of transaction. 

There were other individuals that applied for the same type of loan during the same time period. 

I am an XXXX XXXX male concerned that I was treated differently during this transaction, and am asking that the Bank honor the terms of the first loan estimate, because I was truthful about everything that was on my application and nothing changed between the time of application XX/XX/20, underwriting XX/XX/20, the loan estimate, XX/XX/20 and the counter offer XX/XX/20.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (PA)

I believe one of my family used my information to acquire cable internet from two different companies. I had recently turned XXXX at the time of this transaction. I was still finishing up my XXXX XXXX of high school. I didn't have a job. how can I sign up for two different cable providers? Became aware of this claim from XXXX XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from 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 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 2020-05-01
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: EQUIFAX, INC. (FL)

On XX/XX/XXXXXXXX  and also prior I had contacted Equifax via phone and via web to dispute inaccuracies on my credit report. There are repeated inquiries that I did not authorized, nor received any documents from the company or a verification call in reference to these hard inquiries. My information was compromised in the past and recently. I have credit alerts with all 3 bureaus. Which I receive via email each time anyone tries to access or apply for anything in my name. I immediately contact the creditor. Unfortunately I was advised by each creditor that I would have to report this to the credit bureaus to have it removed regardless if any documents are sent to them in reference to any identity theft or inaccuracies. Below is a list of repeated inaccurate hard inquiries that is listed on my report and damaging my credit file with Equifax. The other bureaus have acknowledged and deleted these inquiries due to previous/ recent identity theft and inaccurate information listed. Also due to me contacting them after receiving these credit alerts and also do to my information being expose in 2 data breaches with Equifax. Which I am still waiting on a settlement by the courts. 
Please see listed unauthorized hard inquiries below. Also attached is my drivers license and a copy of several letters XXXX XXXX stating that someone previously used my information to apply for an account/ credit card and after an investigation they determined that it was fraud. After their system was hacked. 

Unauthorized Fraudulent Hard Inquries XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, XXXX XXXX. 
Note : As you can see theres a pattern of someone trying to obtain credit in my name back to back within one month repeatedly which is uncommon and I was was not contacted via phone from this creditor in reference to this matter on these occasions. I was only contacted via mail advising me my information was found in the system due to identity theft. 

Other unauthorized hard inquiries XXXX- XXXX, XXXX  XXXX XXXXXXXX  XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I am requesting for these inaccurate fraudulent inquiries to be deleted immediately as this is damaging my credit file and was not consented.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (TX)

USCB has reported a collection account to my consumer credit file in the amount of {$640.00}. Account # XXXX. I do not owe this alleged debt. If USCB has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includesALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that USCB is attempting to collect on. USCB has no legal right to attempt to collect a debt. USCB has not validated this debt nor sent me a notice of collection. USCB is in violation of the FCRA and the FCDPA.
Consumer complaint received 2020-05-01
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. (MI)

I filed a dispute with Experian for XXXX XXXX account # XXXX. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were 3 reasons to investigate this account that should not be on my credit account. 1 ) The account belonged to my ex-husband, I never signed for treatment for my son treatment, 2 ) the charges we for medical bills in XXXX which are past the State of XXXX Statues for reporting 3 ) The amounts were wrong. 

I also, sent supporting documentation on XX/XX/XXXX and I feel they failed to accurately review the information. I also called XXXX XXXX and spoke with XXXX XXXX on XX/XX/XXXX. She told me to dispute it with the credit bureaus they never received any dispute from Experian. 

Experian failed to properly review the my documentation and review my complaint
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX, TRANSUNION, XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-02-07
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. (DC)

My name is 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.
Consumer complaint received 2022-03-01
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: CREDIT ACCEPTANCE CORPORATION (CA)

The CREDIT ACCEPTANCE CORP account with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services of XXXX MA, contacted me via phone in XXXX stating that I owed {$290.00} to my former auto insurance company, XXXX XXXX XXXX, I disputed this amount over the phone. I received one letter in the mail dated XX/XX/2020. My account was put into collections on XX/XX/XXXX and negatively effected my credit by 40 points, this all during the COVID-19 pandemic. I have been unable to work since the first week in XXXX due to the COVID-19 crisis. I want this account to be removed from collections on my credit report and Credit Collection Services the chance to allow me to settle this dispute in a fair manner during this global pandemic.
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

In XXXX of 2020 I found out that Wells Fargo Dealer services had not beem reporting payments I had made to the credit reporting agencies. I called the Office Of the President which is supposed to be the highest level of escalation and reported the issue and was told it would be resolved. I even got a letter from them stating the error was their fault and it was getting corrected. I am in the process of buying a new house and this has caused a 100pt drop in my wifes credit score and hurting our chance of the loan. The new bank called us in XXXX and said our rating had dropped from XXXX down to XXXX. I called the office of the president again and started a new claim and it was handed over to XXXX as my Claim Rep to resolve this issue. I called and talked to him on XX/XX/XXXX20 and he said he would get it resolved and call me back in 48 hrs. I didnt hear from him on XX/XX/XXXX and started trying to reach him on XX/XX/XXXX and levt multiple voice mails and never heard back from him untill XX/XX/XXXX at wich time he lied to me and said the info would get updated and corrected on XXXX. Its still showing I havent made a payment all of 2020. I have escalated to supervisors and even his manager XXXX only to be ghosted still. There is no way i can find to escalate this higher within Wells Fargo Dealer Services. everyone there just passes the buck and says there is no one we can talk to to get this escalated. This is really frustrating and I need this resolved ASAP.