davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX I received a notice from XXXX Synchrony Bank stating that they would be submitting an electronic request to have a fraudulent inquiry generated by the the credit application deleted from my personal credit file that I did not authorize. XXXX Bank has yet to remove this inquiry from my Consumer report.
Consumer complaint received 2020-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

Recently I have found out that XXXX XXXX  XXXX is Permanently close Thats what this debt originally came from I have sent Countless letters to this company and I havent got Response yet also told this company that my debt was identity theft This company has my wrong address Also and they keep calling me trying to get me to pay this debt if this doesnt get resolved soon I will use legal actions
Consumer complaint received 2020-04-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/2020, XXXX XXXX XXXX called me several times in a row from a spoofed number, impersonating a local business. The spoof number that they called from was XXXX. When I asked who they were, they were not forthcoming with the information and I had to ask them several times. 
They also called me from a spoofed number impersonating the phone number of a family member of mine which they have previously contacted on more than one occasion. 
They have also contacted my family members.
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried for months to get Transition to remove XXXX inquiries listed on my credit file because they are not mine and/or I did not authorize. I have an identity theft file with FTC since last year. They refuse to remove them and my credit rating is being affected tremendously. Recently, I had them add a security freeze to my credit file to prevent any more unauthorized inquiries. I want these inquiries removed immediately. Please help me!
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute with Transunion disputing XXXX, XXXX, XXXX XXXX and XXXX XXXX and the information came back from Transunion as new information below. I sent a letter to XXXX and they stated that they no longer have the debt and Transunion continues to report that it is being verified. I sent letters asking how was it verified they were unable to provide with information pertaining how it was verified. XXXX does not belong to me but yet and still they continue to report inaccurate information on my credit report.
Consumer complaint received 2019-05-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX, my Hyundai XXXX was involved in a motor vehicle accident where it was claimed a total loss. The insurance company paid XXXX for the vehicle, when the debt on the vehicle was XXXX. Therefore the insurance issued a check to me for the remaining balance of XXXX. 

Months later in XX/XX/XXXX/XX/XX/XXXX, as I am preparing to look at getting a mortgage. I come to find out that I was 30, 60 days delinquent on the account, Hyundai claimed I was delinquent on a remaining part. I called Hyundai and paid the amount and explained that I was not delinquent, but I wanted the problem removed from my credit history. 

Now the account shows as a charge off instead of paid ok.
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (AZ)

I settled this debt and payed in full 2 months ago. I have bank records proving I settled and payed this debt in full on XXXX/XXXX/2016 ...
Consumer complaint received 2022-01-05
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. (OR)

Reported fraud on my credit. Experian closed my dispute stating the account belonged to me. I have no knowledge of account. Im a victim of identity theft and provided supporting documents.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is Hayt, Hayt & Landau PL in XXXX.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I have tried to contract Equifax to order a report freeze. I have tried their website which results in a blank white page. Trying to contact them at XXXX results in a telephone tree which claims that I have non existant open credit accounts and then puts me on " hold '' or bounces me to a long spiel about everything except how to request a credit freeze. I have tried contacting Equifax for several days and still get either a blank white page or a pointless telephone tree.
Consumer complaint received 2020-04-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage did an Escrow Analyst in the month of XX/XX/2020. Based on the computer generated analyst, it was determined my New Escrow was short {$2300.00}. This computer generated analyst was based on a " one time '' Local County Tax.I sent a letter to Freedom Mortgage indicating this " one time '' county supplemental tax should not be taken into consideration for future Escrow pay out.- My Home Owners Insurance went down and the Escrow Analysts should not have changed or even lowered. - Based on the New Escrow of an additional {$2300.00}, has now caused my Mortgage payment to go up {$200.00} per month, in which I can not afford to pay any additional money towards my Mortgage. I had a fixed rate I was comfortable with paying and now having an additional {$200.00} per month for a year, I can not afford to pay any additional amount. 

This mortgage will go into default due to the additional {$200.00}, per month, based on an incorrect Escrow Analyst. - I called Freedom Mortgage and they refuse to let me speak to an Escrow Specialist or Supervisor.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (HI)

My mortgage company does not hold an Escrow on my account, I pay my own taxes and insurance. I paid the property tax late a few months later Wells Fargo paid the same tax that was already paid, the county credited my tax account with that money and will not return it to Wells Fargo. Now Wells Fargo is demanding that I pay into a Escrow account that I do not want to pay into.
Consumer complaint received 2020-04-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Im am a XXXX XXXX XXXX XXXX  XXXX vet. I applied to have my mortgage payment changed due to being exempt from property taxes in The state of Texas. I have filed my XXXX with the State of Texas and have the approved exemption. My mortgage company Pennymac is still placing money in my escrow for Taxes. I called to have this fixed and they would only recognize a 50 percent exemption.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that were disputed. Since they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- They are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
Thank You.
Consumer complaint received 2020-04-21
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. (CO)

XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the DEPTED/XXXX  partial account number XXXX. XXXX  ; Experian and XXXX are also reporting that I am XXXX XXXX XXXX XXXX days past due on the DEPTED/XXXX  partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I was sick in XXXX and XXXX XXXX and could not pay my mortagage I make a complaint to cfpb XXXX XXXX XXXX case number XXXX and XXXX. SLS said that got there payment for XXXX and XXXX XXXX but I have made the XXXX payment this siad that Iam XXXX month behind in payment I have a statement from XXXX Bank where I paid XXXX XXXX
Consumer complaint received 2016-09-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (MD)

My mortgage company is Franklin American Mortgage. I have filed at least XXXX modification request with the company and each time they respond I do not " qualify '' because I do not make enough. I lost XXXX % of my income and my husband abandoned the residence almost 2 years ago. I am now divorced and have a true Hardship. They have wasted months " reviewing the documents '' then they tell me to resubmit them because they expired only to say NO again. The company should be audited as they lie to you each time you speak to them. I do not believe they are compliant with the FHA programs in anyway. Never trust this company.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 






XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 Experian XXXX XXXXL XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Consumer complaint received 2016-08-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TN)

This is the second complaint that I have filed on Wells Fargo Dealer Services. The first one they responded saying that the other party involved was going to handle this. Well that party will not answer me, so therefore it falls back on Wells Fargo. We had a vehicle repossessed ( completely our fault ) we paid what was due and with in 2 days later our car was picked up again!!!! I can not get Wells Fargo or the other party to answer me now. This was wrong and they need to own up to it.
Consumer complaint received 2015-08-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (ND)

I paid my cell phone bill online using my debit card on XXXX XXXX, 2015. My available balance reflected this being paid, I budget very carefully these days. Fast forward a couple of weeks later, and my account balance is almost {$300.00} negative. This is from XXXX overdraft fees in the amount of {$35.00} assessed to my account, and other charges Wells Fargo is stating I over-drafted on. I did not knowingly overdraft my bank account. I called Wells Fargo 's customer service today, XXXX XXXX and spoke with a representative named XXXX. She stated that when I paid my bill to XXXX XXXX XXXX, I had an available balance of around {$420.00}. Apparently, when I paid that {$110.00} to XXXX XXXX XXXX and my balance reflected it being taken out, at some point the next day XXXX XXXX XXXX put the money back in to my bank account, but then took it out again a few days later. According to her this is part of the process with pre-authorizations and posting and such. I understand that certain companies charge debit cards that way, but my complaint stems from that " deposit '' that XXXX XXXX XXXX supposedly making back into my bank account not showing up anywhere in my statement, or online. My online account with Wells Fargo AND XXXX XXXX XXXX reflected that amount being paid. After I paid my bill I went on to pay for other expenses, believing myself to still be within my budget. According to XXXX with Wells Fargo, because of this magical 'deposit ' that XXXX XXXX XXXX supposedly made back into my bank account, I overspent by {$22.00} total because apparently the funds were made available to me again. There were several other charges that I was assessed overdraft fees for, and I still do not understand how. At no point in time when monitoring my online account, or anywhere in my bank statements does it reflect a deposit being made back into my account for that dollar amount. How was I supposed to know? When I was speaking with XXXX on the phone, she advised me that information regarding the way that pre-authorizations affect your available balance was not anywhere in the visa card holder agreement, or on their website. ( I checked the website myself after getting off the phone, and she was correct ) I feel that the information on this should have been made available to me at some point in time to avoid having to pay hundreds of dollars in overdraft fees. In not having that information readily available to its consumers, Wells Fargo is purposefully setting us up to possibly over-drafting our accounts in error and subsequently being charged at least XXXX {$35.00} fee, or in my case XXXX fees of that amount so they can profit off of not properly informing it 's customers. This is a deceitful business practice. Banking with Wells Fargo has been a complete nightmare. I know that everything I have typed here may sound a little confusing, I 'm a little flustered at the moment. Please reach out to me with any clarifying questions you may have. Thank you.
Consumer complaint received 2019-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (MI)

I still have not heard anything back from your office, since contacting you XX/XX/2018 ' Hello, I filed a complaint with the FDIC, which in turn forwarded my issue to you ; XX/XX/2018 Ref. No. : XXXX. I transferred funds ( {$1700.00} ) for a vacation rental XX/XX/2018 from my Chase acct. to another Chase bank acct. On XX/XX/2018, I was informed it was a scam & contacted Chase fraud dept. by phone XXXX-18 ' as well as going to my bank, speaking with an officer & then back to speak with the manager. My funds would not clear to the following day XXXX-18 '. I informed them I was fraudulently duped & asked them to stop payment, none of the people at Chase heeded my warnings & allowed the money to be picked up by the recipient the following day, when the hold expired. The person who took my money does not reply to me now. Thank you, XXXX XXXX
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MI)

Follow-up on XXXX Did receive, finally, a response from American Express that , I repeat, was NOT attached to their reply American Express indicated XXXX 

My reply is attached ... I think they owe me $ $ on XXXX cards ... XXXX of which should have been canceled by now ...
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (GA)

New York Community Bank has our house mortgage. We sustained damage from hurricane XXXX and had to move out of the house. The insurance company required us to send the repair checks from them to the bank. This was to insure that the money was spent to fix the house. We finally signed a contract two weeks ago to start repairs, but the bank has been dragging their feet. We have sent everything they asked for- the contractor 's license, tax form, a copy of the estimate and contract. But, every time I ask them where the money is to get started they say they still need information that I 've already sent. I 've read where they do this to make interest on the repair money. We are in a rental house and may have to leave before the house is repaired. We 're at their mercy. We talk to them each day, but nothing gets done.
Consumer complaint received 2022-10-02
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. (NV)

my XXXX page said there was fraudulent activity on my XXXX account... .i was directed to a representative of XXXX XXXX .or so i thought ... .he directed me to another sight where he took over my browser... .he said i have to through some steps to verify that its me in order to solve the problem... i watched the cursor go to XXXX credit ... XXXX XXXX it very clear i do not want to apply for XXXX credit, i was XXXX that im not, this was just to verify my identity, on XXXX, XXXX bank, through transunion XXXX XXXX a hard inquiry on my credit causing my XXXX XXXX to go down XXXX points! 
i did not, authorize this! 
i do not want a credit line or loan with XXXX!
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I FILED A DISPUTE IN THE REGARD OF TO THE INCORRECT ITEMS ON MY CREDIT REPORT AND THE INVESTIGATION TOOK WELL OVER 30 DAYS.
Consumer complaint received 2016-04-14
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX I noticed some unauthorized transactions totaling {$910.00}, on my account. I called American Express Serve and was told I had to wait to make the dispute until the transactions were completed. I cancelled the card ending in XXXX and requested a new one as my account was compromised. On XXXX XXXX the transactions were completed. I called again to dispute. I was told it would take up to 45 days to make a decision on if they were going to reverse the charges. But I would receive a provisional credit on the 10th day. I called on XXXX XXXX to ask where the provisional credit was, I was then told it is 10 business days, which would be XXXX XXXX. On XXXX XXXX I received XXXX email stating they completed their investigation and I would not be receiving my credit as they determined I made the transactions, which took place in XXXX and I live in XXXX. I explained it is very hard to make a purchase at XXXX in XXXX XXXX at XXXX on XXXX XXXX then be in XXXX XXXX and back in XXXX by XXXX to attempt to make a purchase at XXXX. I have tried to call American Express serve and ask for the proof that they contact XXXX XXXX XXXX as I have. They were not able to give me any proof and said it was their investigation team that makes the decisions. I called XXXX XXXX XXXX and spoke with their loss and prevention manager and she claims no one else has called about this account or transactions. I once again asked why could they not prove that they contacted, then I was disconnected from the operator.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

My debit card was used by someone else online and my bank had to close it and issue another one. Equifax put that on their report as an alert and lowered my score dramatically as I did something wrong. That needs to be corrected. That agency constantly sends letters for more information when I try to correct wrong data but never does anything positive ( I sent them all info they requested three times already via post office and online ). Their credit score is lower than others by almost XXXX points. They also report accounts that were deleted and do not appear on any other credit reports.