davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (AL)

On XX/XX/2022, I tried to make my minimum payment on my apple device. You had to make it before around XXXX pm my time. The apple card wallet would not allow me to make a minimum payment ; which was an error on XXXX part. It did allow me to make a payment around XXXX pm, which was around 2 hours later. This late payment is ruining my credit report and totally unfair.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (WA)

I closed my Axos checking account some time ago. There were scheduled transfers associated with that account that would pull money from my external account that were not cancelled by the bank. As a result the bank pulled money ( XXXX ) from my Customers bank checking account on XX/XX/16 when it no longer had authorization from me to do so.
Consumer complaint received 2020-03-10
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: Aargon Agency, Inc. (NH)

i am not a credit user. only had one card in my entire life and its no longer active. there are many collections appearing on my credit report from places i have never heard of. someone ha taken my identity to falsify these accounts
Consumer complaint received 2020-03-10
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. (LA)

I found errors on my credit report and wrote letters to XXXX, Equifax, and XXXX on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (NC)

I have a {$110.00} delinquent balance on a Wells Fargo Secured credit card from over 6-7 years ago. I have contacted Wells Fargo numerous times over the last 3 years to resolve and pay this amount and I keep getting told that they cant pull it up in their system. It is hurting my credit tremendously and Im not sure how to fix it if Wells Fargo cant accept payment from me or find it in their system.
Consumer complaint received 2022-03-17
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. (AR)

XXXX XXXX XXXX U.S. Department of Education By XXXX who recently receive financial Activity summary. Loan Information XX/XX/03 principal balance {$45000.00} that they indicate I owe. Which I disagree with as being XXXX man who borrowed on {$5000.00} which have recently report incorrect balance that they claim I owe them {$79000.00}. Now they saying I owe {$45000.00} I feel that I'm being discriminated against because of my XXXX XXXX XXXX XXXX. Who never graduate with any certificate or degree as student. Where are they getting this amount {$45000.00} Would be taxes that being added. Wealthy ppl don't pay any taxes. Whereas me being tax on student loan for {$5000.00}. It being taking advantage of as being XXXX, older as man.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was n't able to pay my balance on my American Express credit card so I called their customer service and asked what options they have available for me. I was told I could make monthly payments. I said great and told them I could pay it back in a couple of months. 

They told me I could pay it over a 12 month period. I said great, paid it off over the 12 months and found that it also hit my credit report as severely deliquent. 

The drop in my XXXX score is so severe that it is preventing me from getting reasonable rates ( i.e. Car loans, credit cards, etc ) or I will be denied from getting any type of loan. If I would have known American Express would report me as deliquent, I would have cashed in my XXXX to prevent this impact that will stay on my credit report for 7 years. It is equivalent to having a bankruptcy on your credit report.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/23 I received an email from Chase bank asking to confirm a purchase that was fraudulent. When I selected " no '', Chase informed me they would send me a new card. Minutes later I received another text stating a purchase was declined and I texted back " no '' meaning I did not approve. I immediately received a call from what showed as Chase Bank and contained their number on my phone. The man on the line said my account information was stolen and an ATM withdrawal was made. He informed me of all of my information including banking PIN. He said a XXXX payment was also blocked and I needed to resend the payment to XXXX to reverse it. After several minutes of hesitation he stated more of my account info and i mistakenly sent the XXXX payment thinking this was Chase. When I called back later to ask, Chase had no record or knowledge of it. They performed an investigation and said it was my fault for being scammed and I would not receive the {$5000.00} back from the XXXX. They refunded the ATM withdrawal but said the investigation was closed. No mention of me being able to track or file charges against the person that did this. They continued to tell me " Chase will never call you '' and that there was nothing they could do since I authorized the payment. However, my information was stolen and the scammer knew when Chase had reached out to me.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

See attached document. 

I have two credit cards with Bank of America ( account # 1 and account # 2 ). On XXXX/XXXX/XXXX, I received a letter stating that account # 1 was being closed because I have a pattern of late payments. There are late payments on account # 2, but they closed account # 1. For the late payments on account # 2, I was never notified of any payments due. No emails, paper mail, or texts. I did receive a call from XXXX with the following message : Hello this message is regarding an important servicing matter for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Bank of America. This is not a sales or solicitation call. It is however important that I speak with you today. My phone number is XXXX. The office is open today until XXXX XXXX Eastern Time. Thank you. 

Given the recent XXXX breach, I am careful about calls regarding my personal information. When I XXXX XXXX, I saw numerous reports of this being a scam number so I did not return the call. Im still not sure if that is a valid number to call or that they were calling about my past due account. The message does not provide enough details about the reason for the call. 

Bank of America reported a 30 day and a 60 day late to the credit bureaus. 

When I spoke to my contact at Bank of America, she informed me that I had automated payments setup, but the amount I chose to pay was not enough to cover the minimum payment. The automated payment setup screen for Bank of America credit cards is confusing and unlike any I have seen. It does not allow you to setup recurring payments for the minimum amount due each month. The main reason I use recurring payments is so I dont have to check my payment amount and due date every month. I believe the way this screen is setup causes unnecessary late payments and issues like what I am facing.
Consumer complaint received 2015-04-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (TX)

Payed off the balance due in full on a Walmart credit card by electronic transfer of funds from our checking bank account. Walmart took the payment and credited the credit card account for the amount but will not make the line of credit available again. They have said it is their policy in the event of large payments ( which this one was ) to wait to make the credit available again until there is no chance we will cancel our electronic transfer of funds from our checking account.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV INC. (CA)

Money network is now XXXX  against me because of my XXXX. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I am trying to work with Loancare and XXXX representative to set up a simple escrow to pay for my property insurance and property taxes. The first request was raised on XX/XX/2021, and to this day, the servicer refused to assist. They are jeopardizing my 800+ credit score and putting my mortgage in a possible default. 

As of today XX/XX/2021, I have emailed XXXX XXXX at XXXX, XXXX XXXX at XXXX, and XXXX XXXX at XXXX. I tried leaving them multiple voice messages on their escrow department, their phone number of ( XXXX ) XXXX ext XXXX does not appear to be functioning. They repeatedly accused me that I did not pick up the phone call, but in fact, I have been given them multiple numbers to call. 

They are refusing to service my loan and attempting to overtake my loan and foreclose my property. Please help!
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

I asked Sears/CBNA to remove me as an authorized user from an account and was told that I needed to talk to an X of mine as we are not on talking terms. I am not going to be held responsible. Sears basically said this is my own problem.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NC)

XXXX XXXX XXXX  is a debt collection agency that on XXXX has taken action from AFFIRM, LLC the original creditor account sayinh that I owe {$260.00} for XXXX XXXX.i have contacted affirm back on XXXX that I have filed a complaint on the phone and also sent a cfpb complaint about this matter and have not received a reply back .so I'm filling out a new complaint with XXXX XXXX about this matter
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Consumer complaint received 2022-03-17
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. (VA)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my credit report. But still those inaccurate information are constantly reported on my credit report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORTWrong address:XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXXCorrect address:XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Please remove any other addresses. Correct Phone number : XXXX Please remove any other phone numbers. Correct DOB:XXXX Please update and remove any others.
Consumer complaint received 2023-03-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (AR)

I am a XXXX XXXX  veteran. Mosaic 's partner ( XXXX XXXX XXXX XXXX closed their doors and disappeared before the solar installation on my home was completed. according to Mosaics email ( attached ) dated XXXX XX/XX/XXXX they were responsible to verify installation so that we can forward payment to the installer for their work. If Mosaic  had actually completed step # XXXX, like they stated, I wouldnt be on the hook for {$67000.00}. I believe that Mosaic should have confirmed the work being completed before they paid out the full sum of the loan. Example : no one pays a homebuilder the full sum, up front. The disbursement is paid to the contractor based on work completion and material costs. I understood that Mosaic was to make loan disbursements to XXXX XXXX based upon completion or status of the work that has been completed. Instead, Mosaic disbursed the full {$67000.00} to the installer prematurely before the installation was complete. As well, this money being disbursed prior to completion triggered my monthly installment to Mosaic to begin. These payments should not have begun until after my solar system was up and operational. I made my XXXX  payment on XX/XX/XXXX on a system that is not working. In the loan agreement, page XXXX, reads : " in order for us to make disbursements on your behalf, we may require you to confirm that installation contractor has satisfied certain conditions in the installation process. '' I did receive a message from Mosaic asking if the installation was complete and I noted it was not complete. XXXX scammed a lot of folks out of a lot of money but Mosaic 's failures are clear and cost me a lot of money. I have filed XXXX complaints with Mosaic and none of them got resolved. Mosaic has not delivered on their portion of the contract and I requestion XXXX of the following : XXXX. Fix my solar. I have attached a bid from a reputable, local solar installer. Costs to get my system up and running is {$17000.00}. 
XXXX. Cancel my loan and come get your equipment. 
I refuse to fill the pockets of the rich while I serve ramen to my family just to pay the bills. Mosaic should be ashamed of their immoral business practices and their inability to admit when they have made a mistake.
Consumer complaint received 2023-03-29
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 2016-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (AR)

Lady from Dynamic Recovery Solutions left a message to call her at the XXXX # concerning the debt collection against me. I do not have any collections against me. I have an " excellent " credit score which I checked 1 day ago. I did not nor ever will call back. They do not ask for anyone by name. In the past, I have gotten a very similar message, but I can not verify if it was the same #. Because of the nature of the call, I believe they were trying to sell something, or lying.
Consumer complaint received 2019-12-08
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: Innovis (OH)

I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Consumer complaint received 2018-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (OR)

We closed on a home loan in XX/XX/2014 and the originating company either sold or transferred our loan to Stearns Lending. 
We make our payment on the internet as figure we can track the receipt of the payment quicker than Snail mail. 
Depending on when our retirement income is received ( Social Security ) we make our payment effective the second Wednesday of each month. Depending on the date they anywhere from {$5.00} to {$10.00} for the payment. We have never been late and are still well within our grace period.

On the annual mortgage statement these additional fees reflect Late Charge, however I checked our credit and they do not reflect as a mortgage late payment.

Is this legal since we are stilll within our 15 day grace period. 
Our loan was just recently sold to XXXX mortgage and they do not have this fee thank you
Consumer complaint received 2022-03-17
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. (VA)

I reviewed a copy of my credit report and I noticed a fraudulent/unauthorized hard inquiry that needs to be removed from my credit report. The inquiries to be removed are listed below and I willalso liketo add that I wasa victim of theXXXXequifax data breach. 

1.XXXX  XXXX
Consumer complaint received 2018-05-28
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. (IL)

I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i wrote another letter asking them to validate the debt this company say i owe via XXXX.XXXX, EQUIFAX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, XXXX, EQUIFAX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, XXXX, EQUIFAX. And on XX/XX/XXXX I received a letter from XXXX  stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to XXXX & EQUIFAX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM EQUIFAX CREDIT REPORTING AGENCY THEN TO MY SURPRISE EQUIFAX HAD  REINSERTED THE INACCURATE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT NOTIFYING ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION ( a ) ( 5 ) ( B ) ( ii ), THEY ARE REQUIRED TO NOTIFY ME OF THE REINSERTION IN WRITING WITHIN XXXX BUSINESS DAYS. AND THEY DID NOT FOLLOW THE FCRA REQUIREMENTS.I WROTE A LE. TTER TO XXXX XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GETA REPLY ITS BEEN OVER A MONTH SINCE I WROTE XXXX ABOUT THESE INACCURATE ACCOUNTS
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

multiple fraudulent unauthorized charges on my debit card going to XXXX, XXXX, an Atm withdrawal and XXXX as well as something called XXXX, These are fraud charges made using a stolen debit card and i would like to file a XXXX  XXXX claim against these unauthorized charges. 

Amount stolen from me totals {$3300.00}.