davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AK)

MY COMPLAINT, New Residential Mortgage LLC LoanCare , LLC Acc #  XXXX Recently XXXX sold my XXXX mortgages for XXXX different properties to XXXX   XXXX although I get XXXX different statements, XXXX says XXXX XXXX and the other says XXXX XXXX. The first issue I had, which didnt appear for a couple of months, due to the transition, I noticed they added fees when I paid online and after the first of the month. I pay with my Social Security check which I get on the XXXX Wednesday of each month. I called and questioned the fees and mentioned that I had until the XXXX to pay, they informed me that if I didnt pay it on the first they could add fees. I also questioned why they raised my payment from {$1500.00} to {$1600.00} and she was rather vague but indicated it had to do with the escrow. On the other mortgage, XXXX, the payment remained the same but they added the fees for making my payment either online or by phone after the first, and I never had any of these fees with XXXX as long as I paid by the XXXX. I questioned how they could make these changes just because they purchased the loan from XXXX. The individual I was speaking to indicated they could do whatever they wanted to if I did not pay on the first. Just recently I received a letter that includes the annual escrow disclosure statement and it came from XXXX XXXX dated XX/XX/2019. It stated that there was an escrow shortage in the amount of {$5900.00} and it indicates that my current mortgage payment of {$1600.00} is going to be raised to {$2100.00} effective XX/XX/2019. They state the mortgage is owned by XXXX XXXX XXXX XXXX XXXX and service by XXXX XXXX XXXX. XXXX had previously increased my payment from {$1300.00} to {$1700.00} but then dropped it to {$1600.00} and then down to {$1500.00} which is what I was paying when XXXX XXXX took over my mortgage.
Consumer complaint received 2021-03-30
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: EQUIFAX, INC. (FL)

on XX/XX/2021 I 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 im being taken advantage of. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

The business charges a monthly fee to access credit report, credit score, credit monitoring, and other services. 
However, when i tried to access the services i pay monthly for, it said to contact customer service, over XXXX hours on the phone with unhelpful agents then with a supervisor, all sound like robots following a script instead of being humans and actually helping solve an issue, i still didnt get a resolution except to mail in a copy of my ID to verify my identity. We are in XXXX and their only solution to verify it is me trying to access my account is to mail in my ID or fax it? Thats it???? 

Best solution I am looking for is to let me access my account immediately, which i am paying for and not receing the service or give me a call to resolve the identity issue with any question you have or E-MAIL you whatever you need from me, or I need an immediate refund for all the previous months I paid for since I am not able to access the account & service I am paying to use. 

I was also mainly concerned to make sure my credit report is on Freeze or Lock so it is not accessible to any credit issuers, however I am not currently able to do that on the app or by calling equifax either.
Consumer complaint received 2020-12-04
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 (CT)

XXXX XXXX there is two inquiries, XXXX XXXX inquiry, and XX/XX/2020 inquiry, XX/XX/2020 is also a inquiry I have no knowledge of doing. This was done without my knowledge and without my permission.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (VA)

On XXXX XXXX, 2021 I attempted to transfer payment to a vendor that required payments via either XXXX, XXXX, or XXXX. Since my bank, Wells Fargo, has the XXXX XXXX on their online banking app, I utilized it to complete the transfer of {$290.00} as payment to the vendor. The vendor supplied me with the address and name required for the transfer and I was notified of a successful transaction. However, the vendor notified me that the funds were never deposited in his account. I immediately filed a claim to re-claim my {$290.00} using the phone number provided on the XXXX page of my online banking app. It is now XXXX XXXX, 2021 and after spending hours and days in non-productive phone conversations with both XXXX and Wells Fargo, I am no closer to re-claiming my money because neither of them are willing to accept any responsibility for the missing money. They have both informed me that they have closed the claim. The Bank says they did nothing wrong so it isn't their problem, and XXXX says since I used my online banking app it is the bank that is liable. However, recently, a notice appeared on my XXXX activity page that the name provided by the vendor is " not registered. '' This notification was not forthcoming until close to mid-XXXX. The vendor has re-verified that he never received the funds, and I, the customer, am now locked in a seemingly unsolvable Catch 22, apparently expected to just write off my {$290.00} with no recourse for recovery of it.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I signed up with " XXXX XXXX XXXX '' last year to help consolidate my debt. I authorized payments in the amount of {$490.00} each month. They withdraw using a third party called " XXXX XXXX  ''. Those payment where to be disbursed to XXXX XXXX XXXX and XXXX on my behalf after a agreement was made. None of my payments have been used to make any payments on the account in there program. In fact XXXX XXXX is now showing " charged off '' on my credit and XXXX bank is suing me. Ive submitted all this information to Chase Bank and submitted documents supporting this claim. They say there is nothing they can do on there part cause this was a automatic withdraw and not a debt card purchase. 

Ive attached the charge off on my credit, the summons from XXXX for none payment, the XXXX  report showing this is happening to countless number of people, also providing where they state they have come to a settlement with XXXX XXXX for the amount of {$3600.00} which was supposedly paid in XXXX as was never paid. They are using " XXXX XXXX XXXX '' who is a real lawyer and using his information to pose as him. 

I need help please. They have collected {$6000.00} I need this money back so I can personally settle with XXXX before I'm suppose to be in court for none payment. 

XXXX XXXX XXXX : XXXX Thank You, XXXX XXXX
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I deposited a pay check for {$4900.00} in the ATM of US Bank XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Twice a month my paycheck was directly deposited to this same account for 1.5 years. I received a letter from US Bank dated XX/XX/XXXX stating the check was on hold because there was reason to believe the check would not be paid. I called the US Bank customer service and fraud dept. and the representatives repeatedly explained to me they could not give me any specific details. On XX/XX/XXXX I received a second letter stating that US Bank was closing my account for suspected irregular activity. The funds that were in my account before the pay check was deposited were not available for me to withdraw. I continued to call US Bank customer service and fraud departments and was given the same response each time that no details were available explaining why may account was closing. On XX/XX/XXXX I received a letter stating that my US Bank checking account was closed and I would receive an official check for the credit. I did receive a check for {$250.00} dated XX/XX/XXXX. I called my local branch and was told by the branch manager there was nothing she could do and there was no notes with details on my account. I did email and speak with the employer who issued the check on XX/XX/XXXX and they informed me the check had been deducted from their bank account. I filed a claim with the CA XXXX XXXX regarding the final pay check owed to me. I had a meeting with the CA XXXX XXXX on XX/XX/XXXX and was instructed to obtain a letter from US Bank specifically stating why the funds were not deposited into my checking account. I called US Bank fraud dept. on XX/XX/XXXX and and spoke with my local branch manager and was told the funds were put in a holding account on XX/XX/XXXX. I asked why I was not notified or sent a check for the money owed to me from over a year ago. My account was closed after the money was put on hold in my name. But, when I called multiple times after XX/XX/XXXX no representative from US Bank would give me any details regarding the funds I deposited or why my check account was closed. The branch manager explained to me she was waiting for the funds on hold to be transferred to her bank and she would mail me a cashiers check.
Consumer complaint received 2018-11-03
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. (AR)

Reason for Dispute : I believe that these account inquiries are invalid. I did not authorize these inquiries. Please validate this account in its entirety or remove this entry from my credit report. Thank you. 
Hard Inquirie ( s ) : XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brock & Scott, PLLC (NC)

I need your assistance with the following. Thanking you in advance for your help. 

Complaint # 1 On Monday, XX/XX/XXXX, the law office of XXXX and XXXX in XXXX XXXX NC ( XXXX ), served me with a Civil Summons concerning a debt. I called the office and spoke with a XXXX XXXX about the Summons and he informed me that they were representing a company called XXXX XXXX XXXX Fresh Forward Flow for a back debt. I asked him what the debt was and he informed me that he did not know. He told me if I did not pay the debt, the company that they were representing could take property from me. I asked him to send me information concerning the debt. In the meantime, the following information was listed in the Civil Summons. 

The debt ( whatever it is ) is as follows : {$3000.00} Principal Interest 23.9 % from XX/XX/XXXX ( {$4000.00} ) Attorney Fees - {$460.00} Total= {$7700.00} I received a letter on XX/XX/XXXX concerning the request for an explanation of the debt and the letter contained the same information that was contained in the Civil Summons above. I wrote a letter to the Law Firm on XX/XX/XXXX requesting the following information : The Original Creditor What the debt was Age of the debt Address and phone number for XXXX XXXX XXXX and XXXX Fresh Forward Flow. 

A copy of the letter to the Law Firm was filed with the XXXX XXXX XXXX of Courts Office in XXXX XXXX NC. 

I will update when I hear from them.
Consumer complaint received 2021-11-05
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. (KS)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Credit reporting agencies have different varieties of name thats not myn, bills that have been paid off by insurance providers are being listed as collections. Social security number was leaked during s security breach. Account inquiries are not myn posted as myn. Equifax refuses to give a copy of credit report even though its been verified as myself hence unable to determine how much breach has effected my credit score. Even though you disputed thing that are not your XXXX still report as yours and wont allow you to change it. Even after notification that you were effect because of security breach.
Consumer complaint received 2022-10-05
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. (IN)

My daughter applied for a XXXX Credit card from XXXX Bank. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXX Bank reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.
Consumer complaint received 2018-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

J.P.Morgan Chase acquired my XX/XX/XXXX XX/XX/2004 {$88000.00} home equity loan with a fixed rate of 6.990 %. Chase has Changed my fixed rate to 6.74 % and does not want to comply with the terms of the loan agreement which states in the 3rd paragraph : If a law, which applies to this loan and which sets maximum loans charges, is finally interpreted by a court having jurisdiction so that the interest or other loan charges collected or to be collected in connection with this loan exceed permitted limits, then : ( i ) any such loan charges should be reduced by the amount necessary to reduce the charge to the permitted limit ; and ( ii ) any sums already collected from me which exceeded permitted limits will be refunded to me. Lender may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces the principal, the reduction will be treated as a partial payment.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (WA)

XXXX XXXX XXXX XXXX says that I owe {$140.00}, this company is a water service company and also goes by XXXX XXXX. XXXX XXXX XXXX XXXX directs you to XXXX XXXX website. I have already paid XXXX XXXX  my debt of {$120.00}, I paid a different debt collection agency XXXX for this debt, I paid XXXX {$140.00} for their collection and processing fees. I also have receipts of these transactions.
Consumer complaint received 2018-11-17
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. (WI)

I was previously enrolled in a XXXX XXXX XXXX ( XXXX ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX   that my services were withdrawn. XXXX XXXX ( XXXX, XXXX, XXXX XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my XXXX XXXX Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and XXXX XXXX without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. XXXX XXXX is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.
Consumer complaint received 2018-07-31
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. (AL)

I have been asking EQUIFAX for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ) I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! ALLEGED DEROGATORY ISSUE : Provider Claims Late Payment not yet proven.I would like to see proof these accounts belong to me ATTACHED TO THIS COMPLAINT.THEY ARE NOW IN CONTRACT WITH ME AN IF THEY CONTINUE TO REPORT THESE ACCOUNTS THEY NEED TO PAY ME.I HAVE ATTACHED PROOF NONE OF THESE COMPANIES IS LISTED ON A UCC11 AS A LIEN HOLDER.
Consumer complaint received 2021-03-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$2600.00} -This is not my account.
Consumer complaint received 2021-07-09
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: CBC Companies, Inc. (CA)

There is an account listed on my credit report with Innovis that is not mine. 

It is with XXXX XXXX XXXX  and the account number is ending in XXXX. 

I have disputed this incorrect information with XXXX XXXX XXXX and Innovis. 

It has been deleted from all credit bureaus except Innovis continues to report incorrect information on my credit report.
Consumer complaint received 2019-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

Hi, My complaint is with Loan Care.  My account was just transferred over from XXXX in XXXX  2019.  

My problem is that they do not use their "unapplied" account to hold incomplete mortgage payments.  Which I learned the hard way.

I was behind on my mortgage about 3 months.  I am XXXX XXXX so my income is not that consistent or timely should I say as things may happen with deals...

I made an arrangement to make 2 payments because that is what they would accept.  (Luckily in my job when I do get paid it's a lump sum but what about people that have regular steady pay and cant come up with XXXX in a mth...)  I ended up sending in the wrong amount by XXXX.  Instead of someone calling me they send ALL the money back to my account.  This in turn made the amount I had available for the mortgage Payment less because I had other automatic payments coming through my account but of course the mortgage is 1st priority.   This was my 1st payment with them so I had no idea they send incomplete payments back.  Not only that but you have to make 2 pmts at a time if you are behind instead of you being able to send what you have.  This also eliminates the option to pay your loan bi weekly  as I had been accustomed to.  It's a mess that I'm trying to fix.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

This does not conform to your restrictive guidelines, so I'm not sure this is the right category. In early XXXX I called Citibank to close a checking account routing # XXXX - acct # XXXX. The agent told me if I keep the acct open and make 3 purchases of $ XXXX within 30 days on my credit card ( XXXX XXXX XXXX  XXXX ), their offer was a {$200.00} bonus. I made the 3 purchases and yesterday I called Citi to verify my charges were " qualifying '' purchases. The agent I spoke with said " no, charges needed to be on my debit card ''. I don't even have a debit card for that checking acct. This agent said no, your purchases don't qualify. The initial agent told me purchases with my credit card would qualify. Unfortunately, I did not get the name of the initial agent.