davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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. (CA)

In XXXX of XXXX my Mortgage Servicing was transferred to XXXX XXXX XXXX servicing My new Act. # was XXXX. I was previously under a forbearance with the prior servicer XXXX XXXX  Act. # XXXX. I contacted XXXX by phone i Early XX/XX/XXXX. I was due to make first trial payment on a flex modification which had been offered with XXXX and was told by XXXX Loss Mitigation that I could not make a payment before all of the paperwork transferred. XXXX also would not honor the previous Flex Modificaiton for which the first payment was due. I was told a new Flex Mod. would be offered by XXXX. I was also told there would be no negative credit reporting for 60 days under the RESPA Act. so there was time to get everything on track. On XX/XX/XXXX they offered the modification with the and my first trial payment was made on XXXX XXXX The due dates of trial payments were as follows : First payment : {$1300.00} by XX/XX/XXXX Second payment : {$1300.00} by XX/XX/XXXX Third payment : {$1300.00} by XX/XX/XXXX All payments were made prior to due dates. 

Despite the Respa protections and despite my being in the process of receiving a federally backed Flex Modification due to hardship caused by coronavirus XXXX reported the loan as 120 days past due for the Months of XXXX, XXXX and XXXX of XXXX, This reporting is counter to the requirement of the Cares ACT SEC. 4021. CREDIT PROTECTION DURING COVID19. This Act states that during the period of an Accommodation a borrowers account shall be reported as current the text is below.

( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current I am attaching the Modification Offer, a copy of 4021 of the cares act and my Credit Report. I am also sending the final paperwork completed in XXXX of the successful Modification.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (LA)

On XX/XX/2023, I found an unrecognized transaction in the amount of {$290.00} from XXXX. I filed a dispute with CITI Bank which is the issuer of my credit card. A few weeks later I called to check on the status of the dispute and I was surprised they closed it without notifying me stating they needed additional info that I didn't provide. Before this happened, I'd already spent XXXX min with someone from CITI Bank providing all kinds of info about this. I asked them to reopen the dispute based on that, and they told me they will. I called again to follow up and this time they said the dispute was filed under the wrong category and that we will need to restart the whole process from the beginning, although they were the ones who filed the dispute with me over the phone so it should be their responsibility. A few weeks later after so many calls they said they were going to issue a refund until the investigation is over. On my last call with them, they said that no refund will be issued since it has been 90 days since the unrecognized purchase and that there is nothing they can do about it. I explained to them that I'd already disputed this multiple times before this 90 days frame and that I had a very good level of follow-up with them ( more than XXXX calls ) but they just said we can't do anything about it.
Consumer complaint received 2022-03-09
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. (NV)

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2022-03-09
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. (MI)

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with XXXX 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : EQUIFAX MORTGAGE SER Inquired on XX/XX/2021 2021
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AE)

American Express closed my account due to two payments being returned. The payments were returned because the linked bank account was compromised from a lost debit card. I have always made all of my payments on time and have never had a late payment. Even after AMEX closed the account, I continued to make on time payments and the balance on the account is only {$200.00}, which will be paid this week. As a service member, we sometimes do not get communication that our accounts may be compromised.
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/16, Citibank charged ( and debited my checking account ) a low balance fee and overdraft fee totaling {$59.00} on a savings account with a {$0.00} balance that I requested to be closed. I had requested the account be closed in XXXX or XXXX 2016. I had the same problem on XXXX/XXXX/16 when Citibank charged the same {$59.00} low balance fee and overdraft fee. I was able to get the XXXX fees reimbursed after a long phone call that had to escalate to a manager. No fees should have been charged as I have now requested this account to be closed twice.
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (RI)

I have exhausted all avenues with Experian to obtain my credit report online. I have been unable to purchase the report online and have been unable to contact them by phone. This is a simple request that should be easily handled. I have obtained my credit reports from XXXX and XXXX without any problem. I am working to dispute information on all three of my credit reports and this issue with Experian is causing me great inconvenience.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

I have a business checking and savings account, and regular accounts at Wells Fargo ; all of the accounts are connected. My checking account is XXXX years old and I opened the business accounts XXXX years ago. I was told that my accounts were protected and insured from fraud and scams because they are all connected. In XXXX, and XXXX of 2023, I was scammed out of thousands of dollars in transactions made from my debit card connected to my regular checking account. I contacted the bank to report a fraud charge I saw on the account and they shut down the card, sent a new debit card, and suggested I contact the money apps support used and the " XXXX XXXX XXXX XXXX '' and talk to security where the phone operator worked to report that he was incorrectly managing transactions and the money apps suggested this, too. 
The " XXXX XXXX XXXX '' person was also scammer and quickly funneled {$10000.00} out of my business savings account and into my other accounts, then stole the money by sending it into XXXX, XXXX, and XXXX. I called the Wells Fargo fraud line within XXXX hours to report the theft. Wells Fargo stopped payment and refunded two transactions that amounted to XXXX in my business checking account. The fraud transaction charges in the regular checking account were incorectly reported and the amounts were " consolidated '' into one amount of {$16000.00}. Then Wells Fargo stated that the charges were " Authorized '' but forced shut down on all of the accounts because of extreme " fraud '' activity. I spoke to an Escalation Fraud Representative who made a big fuss over locking the XXXX token which is ridiculous because they were forcing the accounts closed. I explained that the XXXX XXXX transfers weren't theft because the money had been sent into the account and then back out. It was the XXXX app transactions that were fraudulent. All of the XXXX transactions were added into the consolidation amount, but they weren't all fraud. Then another fraud representative who told me the accounts were closing suggested I call the fraudulent " XXXX XXXX XXXX XXXX '' AGAIN, and ask for the money back! This is what led to the {$10000.00} theft in the first place.
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (CA)

Recently I was applying for a mortgage and discovered I had a {$200.00} collection for a PAID medical bill with XXXX XXXX CLIENT # XXXX, XXXX # XXXX. 

I paid {$200.00}. My insurance paid {$160.00}, therefore, the bill was overpaid. I was refunded {$160.00} AND XXXX put me in for collections with SCA Collections Inc -- XXXX NC. XXXX.
Consumer complaint received 2016-12-10
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I HAVE BEEN UNABLE TO GET THE ANSWER TO A SIMPLE REQUEST AND HAVING RECIPIENT CHANGE THE PRIOR REQUEST TO AVOID ANSWERING. I WOULD LIKE THIS TO SERVE AS A QWR-QUALIFIED WRITTEN REQUEST TO ADDRESS THE ERRORS IN THE AGREEMENT AND DISCLOUSURE STATEMENT BEARING THE BLANK ENDORSEMENT OF XXXX XXXX XXXX. I RECEIVED A COPY OF THIS ENDORSED IN BLANK DOCUMENT RECENTLY AND ASKED FOR THE TIME THAT SPECIALIZED LOAN SERVICING CAME INTO POSSESSION OF IT. THE RESPONSE WAS DENIED AS WELL AS CHANGED IN NATURE OF ACTUAL REQUEST. IF THIS IS MY ALLEDGED LOAN DOCUMENT I AM ENTITLED TO INFORMATION CONCERNING IT.
Consumer complaint received 2022-01-30
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: ERC (NC)

The credit bureaus are allowing the below actions from Enhanced Recovery Company to take place illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. 

The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then Enhanced Recovery Company continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. 

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt XXXXollectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.. 

ENHANCED RECOVERY COMPANY Last reported XX/XX/XXXX {$80.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CLGF Holdco 1, LLC (NV)

It started at XXXX on XX/XX/2021. Needed a new device and noticed XXXX had a feature on their website for 'Prequalify '. It said you can prequalify for 0 % financing before you start shopping. I did this and was approved. I was sent an email with " You're approved for a credit card from XXXX! ". I figured out what I wanted and was ready with my product and with the thought of an approved credit I was going to check out. I started the check out process and when asked for pay options I chose XXXX XXXX. I was asked the same questions I had just answered about my personal finances which I thought was normal. I completed my check out and received my order confirmation. I received another email congratulating me on being approved for XXXX XXXX. This was confusing since I thought I was already approved for XXXX Credit Card and now I was being issued a credit account thru XXXX XXXX  I feel this was all very misleading from 'Prequalify ' to the XXXX XXXX XXXX out function. When I called XXXX directly they said I basically have XXXX credit accounts now. I told them this is unacceptable and felt mislead. They transferred me to financing directly and was advised to simply close the credit account ( s ) if I didn't want them. I immediately cancelled my order thru XXXX and simply used a debit card until I knew how to proceed.
Consumer complaint received 2022-03-02
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. (GA)

After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I refinanced my home in XX/XX/2022. I decided to pay off my credit cards. Bank A is Barclays Bank. The title company mailed me a copy of my motorized loan docs along with a check made out to Bank A for the amount of XXXX. I mailed out the check along with a note to apply the check a

mount to my Ban k A Credit card account. After a week I went onto Bank A website and noticed that my account had not been credited. I called my loan officer. He called me back telling me that the check cleared - the title company has a copy of both the front and back of the check. He sent me copies of the check. He also gave me the date and time the check was received and processed. I called Bank A s customer service.After talking to numerous people I opened a CASE regarding this issue of loss of payment and applying the deposit to my my credit card account. I was told they will look into it and that I must pay the min each month until this case is resolved. Also I was told this will be resolved within 2 to 3 business cycles
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP (NH)

On XX/XX/XXXX my lease was totaled. I contacted USBank and requested a buyout amount on XX/XX/XXXX. I wanted to exercise my buyout option. The bank provided me with a buyout of {$35000.00}. I was contacted by my insurance company who determined value they were paying off was {$47000.00}. I then received a letter from USBank on XX/XX/XXXX that they were keeping the surplus amount and that a buyout option is not available to me. 

I spoke with a supervisor today who stated that on XX/XX/XXXX USBank changed their policy and will no longer return surplus amounts. I have a sibling who signed the same contract I signed for a different lease with USBank in XXXX of XXXX and he was refunded the surplus insurance payoff. 

How can USBank not allow me to exercise my buyout option when I initiated it prior to the vehicle being totaled? How can they keep a surplus of approximately {$12000.00} and profit from the insurance I am obligated to have?
Consumer complaint received 2017-10-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

I 'm not able to pay back my loans right now. But I have been out on the forgiveness list. The thing is that navilent took out 15 loans in my name. Now I owe XXXX dollars in loans. How can I get this resolved. Thank you in advance.
Consumer complaint received 2017-01-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Comerica (CA)

I had a Comerica checking account from XXXX XXXX, 2016 to XXXX of 2016. The branch manager is XXXX XXXX. Her phone is XXXX. Branch is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I need access to check images from this account for tax purposes. Comerica is trying to charge me {$5.00} per check image. There are a total of XXXX check images, which could come to {$1500.00} to access electronic documents. I 'm fine with electronic banking, which saves paper and postage, but I should be able to access my own information for some reasonable fee. Comerica 's business model seems to be based on predatory fees. ( For instance, overdrafts are assessed XXXX fees -- XXXX for {$36.00} and another for {$25.00}, making a total of {$61.00} per overdraft. They also start with the smallest overdraft rather than the largest to maximize their take. ) I 'm perfectly willing to pay some kind of reasonable fee to gain access to my account info, but {$1500.00} is ridiculous. The branch manager is much more interested in squeezing more money out of customers so she can look good on her quarterly statements than working with me to find a reasonable solution to this problem.
Consumer complaint received 2018-05-30
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. (TX)

XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX   Inquiry from XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Customer Service Rep did not try to help me resolve my issues and get the negative reporting inaccurate item removed.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I open my account since 2009, when still was a Wamu Bank, and I use this account for everything, it is the only account I had till this saturday XXXX, when I had to open another accounts at other bank because friday XXXX I found out that they blocked it, and I when I called saturday they told me that my accounts are been review in process of closing, without any call or message over the phone or anything, I called chase to unlock it but they said that they can not do nothing till the review is done on XX/XX/XXXX, leaving my wife and me without any money and witout all the savings that we have for our daily life and by the way they dont give a exact reason why they are doing this, they says that my account is being review for suspicious activity, and I dont know why is that cause the only source of income that we have with my wife is our jobs, and before I got my account hacked and somebody try to make a huge payment to a website with my checking account but chase sent me a text message asking me if I was the one doing the transaction, luckily I caught it on time and they cancel the transaction, but they didnt lock my account back then, and this experience make me think... If they were suspicious they should have sent me a message again instead of all the problems that they cause us, leaving us inhumane stranded without access to our money for around 3 weeks o more, until today I can not do nothing with my account still locked and I have to ask to somebody to lend me money for pay all the bills that were due and my groceries and all my daily life and survive.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I contacted XXXX banker who helped me with the mortgage on the existing house I purchased back in XX/XX/XXXX in XXXX XXXX. Since our family decided to move to XXXX XXXX, I contacted the same banker at XXXX to obtain another loan for the XXXX house and explained my plan to keep the current house till XX/XX/XXXX until my child finishes school here, then also be able to get capital gain exemption ( 2 years holding period ). To make a story short, XXXX banker told me and my realtor that the loan is approved, and we could remove loan contingency. Then a few days before our planned closing date, XXXX suddenly told me that I needed to lease my existing house for 1 year to get the loan. At that point, it was too late to do anything, and I was going to lose my deposit ( {$72000.00} ) if I did not purchase this house in XXXX. I had to sell all of my stock holdings in IRA to make enough cash to purchase the house so I could purchase the house and not lose {$72000.00} deposit. Now I have to pay for huge income tax and penalty on the IRA early withdrawal. XXXX or any financial institutions need to be liable when they " release loan contingency '' and do not fulfill their commitment to provide the loan. It puts us home buyers at huge financial risks and they need to be liable for any financial damages they caused by authorizing borrowers to release loan contingency.