davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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: WELLS FARGO & COMPANY (PA)

It has come to my attention that Wells Fargo service has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Wells Fargo Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that Wells Fargo takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please provide me with written documentation which includes my signature that states you have the RIGHT to report adverse, negative, and/or delinquent items on my report. 
Also, I ca n't access my credit report on Transunion website!
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

Two years ago I XXXX. My credit was OK - but not great due to some credit cards I had trouble paying while I was in college. However, currently, I only have XXXX credit cards with very low limits, and my credit report is showing I owe over {$5000.00} to creditors. I am a XXXX year old moth of XXXX, my husband is a XXXX in NJ and I am XXXX that I have been working hard for. I have been XXXX for two years, and XXXX has XXXX debt. Everything I purchased for XXXX has been paid in full. My credit report is now the sole reason I can not get a line of credit or small business loan to continue to grow my XXXX. I truly feel that these reports are false - because I do not even have a credit card with a limit of {$5000.00}. I am not in collections with anyone, and I am infuriated that these agencies can list I owe so much money to creditors when I clearly do not.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and I have several accounts listed on my Equifax credit report that are fraudulent accounts and do not belong to me. The following accounts are inaccurate and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # : XXXX XXXX XXXX # : XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX # : XXXX of XXXX # : XXXX XXXX # : XXXX
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (WA)

The agency does not have my balance and limit accurate on my credit cards through XXXX XXXX XXXX XXXX XXXX is $ XXXX and balance is below $ XXXX XXXX XXXX XXXX balance is {$9300.00} NOT $ XXXXThe inaccurate limit is causing my ratios to be high when they are really not. Disputed but still not updated. The agency MUST report inaccurate information correct? I feel no one even read my dispute or even my request.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has agreed to remove any marks on credit reports for debts sold since 2007. XXXX has not removed this account information from my credit report. 

" For all credit-card debts sold since XXXX 2007, court records show, the bank will remove any marks on consumers ' credit report ''
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I came to the United States legally XX/XX/2016. I have a debit and savings account with XXXX. I applied for a credit card and XXXX refused my request. Experian 's credit report presents information that is not mine and is prior to my arrival to the country : many accounts appear in poor condition as well as accounts in good condition. I only have XXXX credit account with XXXX, which appears in the report and it is in good condition. I want to build my credit, I pay my unique account on time and completely, but this situation affects my whole family
Consumer complaint received 2016-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been for many months receiving multiple calls daily ( without any message being left ) from a company that identifies itself as Portfolio Recovery on my answering machine. I have not spoken to them, but after checking the Internet for information about this company, I learned they are supposed to be a debt collection company. I am quite sure I have no outstanding debts, but nevertheless prefer not to engage a robocalling agent over this matter. If this were a legitimate claim against me, I believe the company, or its attorneys, would have contacted me in writing. Instead, they choose to harass me at all hours of the day.
Consumer complaint received 2022-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

transunion, XXXX  and XXXX all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian has a trade that does not belong to me with 'unknown ' status. This trade is not reported by any of the other bureaus ( which I was able to access via XXXX ). They have made it literally impossible for me to contact them to ask for resolution through any real time channel ( phone or web ) and the only option they are giving is to dispute via mail which can take up to 30 days. I am applying for a mortgage pre-approval and do n't have that much time.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

The aforementioned credit collection agency representing whomever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ARS Account Resolution does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to  pay ) they nee d to retract this from my credit file immediately.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On XX/XX/2023 a debit was taken from my US Bank Checking account ending in XXXX in the amount of {$2900.00} I kept trying to call US Bank to dispute but they first told me they had no records of an account profile under my social! Then I was told they did not see the transaction. I demanded the fraud department and they told me I my account was notated that I had to come inside the branch! I told them Im not mobile and have no way of getting there and why did I need to come but they gave me no answers! To date they still have not opened up a fraud claim. I reached out to the merchant that stated this was credited to an account NOT in my name!!!!
Consumer complaint received 2023-04-14
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 filed a dispute with Equifax regarding an error of ownership of an account reported on my credit report on XX/XX/XXXX. 
The account name is XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX PA XXXX : XXXX Phone : ( XXXX ) XXXX I stated to Equifax that I contacted the company XXXX XXXX directly to dispute the account. 
When I called XXXX XXXX, the company 's customer service was unable to find any account associated with my name, address or phone number. They ( apple card ) said I would have to contact the credit reporting company ( equifax ) and that they ( XXXX XXXX ) could not give me any information about an account that was not associated with my name. 
Also XXXX XXXX could not issue me any documents about the account because I don't have an account associated with my name, address or phone number. 
Equifax completed their investigation on ( XX/XX/XXXX ) and concluded the account belonged to me. 
This is inaccurate. 
I do not have an account with XXXX XXXX. 
I have never had an Account with XXXX XXXX. 
XXXX XXXX has no record of me in their system.
Consumer complaint received 2020-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (GA)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  boat on XX/XX/XXXX. At the time of purchase, Yamaha offered a finance option which put all payments in excess of the required monthly amount directly towards the principle. This was the option chosen ( section 7, paragraph 2 of the loan agreement ). 

The payments began in XXXX of XXXX. At this time XXXX XXXX  was managing Yamahas loan program. My payments were in excess of the required amount, and in XX/XX/XXXX I began doubling the required payment. The amount above the required payment was always properly placed against the principle ( as annotated on each monthly statement ). 

In XXXX of XXXX Yamaha Financial Services began management of my loan. At this time my payments stopped being applied according to the loan agreement. On XX/XX/XXXX I spoke with customer service ( XXXX XXXX. XXXX ) and was ensured that the amount over the required payment would be put against the principle. It was not. 

In XX/XX/XXXX I received a statement that showed my required payment as {$760.00} ( double the required amount ). I again called Yamaha and made the following memo for record : Spoke with XXXX @ XXXX from XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX. I voiced my concerns that the required monthly payment that they had, appeared to be incorrect, and that I believed that the application of the additional payment was not going directly to the principle as described in my loan agreement. 

She stated that the monthly payment had been corrected to {$380.00} but the additional payment had been put against the next months payment, rather than the principle as per the loan agreement. I explained that I had already sent a query to XXXX. She also submitted a request for review, and I requested an email response from that review. 

I have never received an e-mail response from that review. 

I have stated on my payments that all amounts in excess of the required payment, be put against the principle as per the loan agreement. In conversation ; once again with Yamaha Financial Services, I was told that I could not put that on my mailed payment, and that I needed to call every month if I wanted it changed. I made one attempt and was told that they couldnt change it unless I made the payment over the phone. 

I have sent approximately 10 12 e-mails to Yamaha on this subject. I have had 1 response, and they just again quoted according to the waterfall I received a call from account admin on Saturday XX/XX/XXXX. We discussed the problem with the application of the excess payments. I had previously emailed a copy of the loan agreement an we reviewed it together. The agent attached the file and forwarded it for further review. 

I received an email on the evening of XX/XX/XXXX stating that would need to call every time that I wanted the excess to be applied in this manner.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account 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 2020-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

I started repaying my student loans after a divorce and getting settled in to a home with a steady job in 2007 when I could afford it. I was contacted by Sallie Mae to get on a repayment plan. They told me I would pay it off quicker if I had an automatic deduction from my account. I agreed. They started deductions and 13 years later I have paid them over {$49000.00} for a loan with penalties totaled less than {$32000.00}.
Consumer complaint received 2022-09-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

on or about XX/XX/22 i applied for financing for a bed through a XXXX location which cross checked my credit score with transunion who reported my score as XXXX the day before. At the time of the inquiry they reported the score as XXXX failing me and negatively impacting my score wrongly. I contacted them directly with the account number they provided and documents which they returned to me with a different number and a misspelling of my name which i further reported to them which was disregarded. After this is hard inquiry info was left on my report but all information regarding this afterwards was reported with the new account number and the coorect spelling of my name which either was done to cover an error or due to human error.
Consumer complaint received 2020-09-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

On XX/XX/XXXX I made my XXXX mortgage payment of {$2200.00} to Freedom Mortgage online through their payment website. This is a brand new mortgage and this was my first payment to them. These funds were deducted from my XXXX checking account on XXXX XXXX. However, upon checking my mortgage account online I saw that It was still showing XXXX payment as not paid and I was not credited for the payment. I called Freedom Mortgage customer service on XX/XX/XXXX and was told that they reversed the payment for unknown reasons. I was further told that my funds would be returned to my checking account within 2 days and at that point I just needed to submit the payment to them again. 
The funds were never returned. I called Freedom again on XX/XX/XXXX and this time spoke with XXXX. He told me that somehow part of my payment had been placed separately into my escrow account and that he had put in a request for that money be credited for XXXX payment. He told me my account would be credited by XX/XX/XXXX. This never occurred. 
Since then I have made 6 more calls to their customer service department. Each time, I get a new rep who promises that the payment will be credited and it never is. Ive also emailed them twice without a reply. My biggest concern is that this payment is reported to the credit bureau as late even though it was paid on time
Consumer complaint received 2016-05-31
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: AmeriFirst Financial Corporation (MI)

My wife and I were interested in getting a mortgage. We are working to improve our credit. I spoke with a loan officer, XXXX XXXX. He assured me he would not pull my credit report as I was only interested in him looking at my income while i repaired my credit. He asked for my tax returns so he could understand my income better. He used my social security number from my tax return and pulled my credit. I believe Amerifirst home mortgage has violated : 1681d. Disclosure of investigative consumer reports of the fair credit reporting act.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Incorrectly estimating escrow. 

The Bank of America back office starting XX/XX/2020 doubled my monthly escrow account.

The explanation provided was ambiguous.

Too mathematically did not add up.

There is a Class Action Lawsuit out of North Carolina filed regarding Bank of America back office incentives to employees in handling these escrow accounts.

Somebody needs to look into how And why Bank of America is maNipulating the numbers in these escrow accounts.

If taxes and insurance did not increase significantly theres no rational reason for a monthly escrow to double.
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

I was closing on my condo on XX/XX/2020. On XX/XX/XXXX I received an email from what I thought was my real estate agent saying I needed to wire transfer my closing funds to the title company. I was provided with instructions to wire the money to an account with the address of the title company and an individual 's name. My mortgage broker said this is normal and I could send the funds or wait a little longer. Thinking that I would get the overages back at closing I sent the funds. 
Upon closing I discovered that my funds were never received and I was unable to close. Chase bank never questioned the wire transfer or asked for a transaction number from the title company or even the title company 's name.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied twice for mortgage assistance during the pandemic and after. At the time I was behind under $ XXXX they denied me but I was never told why. I reapplied and this time I also applied for California Mortgage assistance program as well but I was declined because I owed over their $ XXXX limit. I called Select Portfolio Services and got a payoff amount so that I can pay it down to qualify for the California Mortgage Assistance program. Select Portfolio services gave me the wrong amount and I wired it only to get declined again by California Mortgage assistance because I was still over the $ XXXX. I called Select Portfolio Services and instead of taking responsibility they told me that they could negotiate any balance over the $ XXXX with California Mortgage Assistance as long as I had open application with them which I did. I tried numerous times to get them to negotiate with California Mortgage Assistance to pay the $ XXXX and then negotiate the balance which would have been about $ XXXX after all the months of being dragged on they declined my Mortgage assistance application without a reason and never communicated the California Mortgage Assistance program and now they are auctioning my house. Mortgage assistance said Select Portfolio Services wanted the full amount without negotiating.
Consumer complaint received 2021-06-04
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: SYNCHRONY FINANCIAL (IL)

I discovered that a XXXX account with SYNCB was opened fraudulently. On 2019 I got noticed that I might be sued and did not know why when I noticed multiple accounts were opened fraudulent. I have filed a police report and advised all creditors. They did identify that I am not responsible for it and then account was sold to a different creditor and they attempted to collect in debt and threatened to sue me. They have received all documents from me and since then have removed it from XXXX  credit reports but not on trans union or XXXX. Now thats with the other collection agency they will not update reports since it was original creditor synchrony removed it from XXXX  they have to do the others as well, but when I contact synchrony they tell me to call collection agency. I have exhausted both ends and getting run around from both. They did agree if fraud as they told me that XXXX was limit but there is a balance with charges of over XXXX showing in my report. This is not mine and I cant get either company to remove from credit reports. Please help.