davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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. (IL)

On XX/XX/2020, my credit report showed I had a late payment for my XXXX XXXX account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for XXXX. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my XXXX XXXX account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my XXXX XXXX account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from XXXX using my credit card during XXXX, XXXX, XXXX, or XXXX of 2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

When I looked over my credit report, I found that some of the accounts listed there were incorrect. These accounts must be verified by the three credit bureaus in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I have written letters to the credit bureaus requesting that they look into and correct any inaccurate information that has been reported about me, therefore I am disappointed to find that they have chosen to ignore my pleas. It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting in my file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (MI)

Purchased a vehicle from Carvana on XX/XX/year> including their warranty coverage. Car was delivered without a hood latch, transmission overheated twice on the way home. Had to pay XXXX to have it towed to a safe location, the towing company never called or picked up the car. Informed them on the date of purchase I wanted to return the vehicle. They arranged a pickup location, had to pay another XXXX out of pocket to have the vehicle towed to their location of choice. Received a text from the pickup driver to meet at XXXX, after XXXX hours with no further contact with him after repeated attempts to reach him, the vehicle is still at the pickup location. I am now past my 7 day pickup window, thru no fault of my own and no resolution to this problem. Keep getting a runaround from Carvana 's advocate except they are sorry and can't do anything to help me. I feel I was knowingly sold a defective vehicle and they are doing everything in their power to ensure that I am unable to return the vehicle in a timely manner.
Consumer complaint received 2020-09-08
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. (FL)

Equifax, XXXX  and XXXX  along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to XXXX credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CA)

I am not familiar with this collections account showing on my credit. I reached out to them to try and figure it out, but they just were trying to pressure me to make a payment. I asked for paper work so i can try to get more information but they said they only way was to pay then they can send me paperwork. I have not authorized this account to be opened.
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MN)

The XXXX XXXX XXXX has committed securities Fraud, violated my consumer rights as well as, violating the Consumer Rights Act, Federal Reserve Act, The Security Exchange Act and, The Truth in Lending Act, etc Please refer to the attached documents for full details on the stolen securities as well as the Security Exchange Act violation, consumer violations, etc.

I intend to bring federal claims for these violations, I have offered correspondence to the company but, the company is not taking this serious at all, I can provide the derogatory response from WELLS FARGO COMPANY upon request.

This company is in difference with my position so I don't intend to play games with this financial institution, I reviewed what happened during Wells Fargo class action DATA BREACH LAWSUIT, the wells Fargo financial institution agent as well as their legal team is belligerent and non-compliant, I don't wish to experience this so, I am going straight to Federal District Court bringing claim of Securities Fraud, Consumer Rights Violations, T.I.L.A Violations etc.

I have yet to receive an answer to my correspondence about my stolen securities i have already received a response from a XXXX XXXX on XX/XX/year> noting receipt of my Notice but XXXX response to the matter. 

I sent the Notice to this XXXX XXXX and they received and signed for it on XX/XX/year>, today is the XXXX XXXX XXXX as you can see XXXX weeks have passed and no answer from the company. 
i alresdy know this company is stealing from me, I have all proofs and documented evidence and, I have provided this proof to the Financial Institution and all regulatory authorities so, I am proceeding with my Federal Claims in Federal District Court then the Supreme Court of The United States we will public since this seems like a joking matter to The Wells Fargo Company, any delays are unacceptable, I didn't shock this financial company and its agents with this claim, THEY ARE VERY AWARE THAT THIS IS NORMAL OPERATION AT WELLS FARGO, so It matters not how long this company takes to respond to my correspondence, tHE FRAUD HAD ALREADY BEEN COMMITTED, the fraud was committed when Wells Fargo and company denied me ( the consumer ) my right to extend my consumer credit, then again by your company claiming to be the original issuer of the note, then again when your company sent my note with its ACCOUNTS RECIEVABLE to the Federal and told the Board of Governors that I gave my securities to your company as a gift, LIES AND DECEPTION so therefore I am bringing claim in federal district court against WELLS FARGO & COMPANY and its agents.
Consumer complaint received 2017-01-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My loan servicer improperly imposed a late payment penalty of XXXX % of loan principal XX/XX/2015 before loan balloon payment was due XX/XX/XXXX. They also failed to answer a question about refinancing loan that loan doc says is possible ( they claim they are not a financial institution ). They have demanded that final payment be in certified form wich is not required in loan doc. 

When I write to point out their errors they write back and say they have reviewed everything and everything is correct. The loan payment date is quite clear in loan document. They refuse to admit error. I have offered to pay all principal and interest due at balloon date but lender refuses to accept unless I pay late fee as well. 

They now threaten foreclosure
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I am unemployed, and thus, have fallen behind in my payments. I have received several calls daily from Citizen 's Bank regarding my past due account. On XX/XX/XXXX, I agreed to pay {$130.00} toward my past due amount, which would bring the payment current, and set up a payment plan, which was to commence on XX/XX/XXXX, to pay {$87.00} ( 86 and change ). I was told that as long as I stayed with the agreed plan, I would no longer receive phone calls. 

I received a letter on XXXX, stating I am past due. I also received a call on that day at XXXX XXXX. I was told that I would receive calls until the account was current. I called to their attention that I had an agreement, and that my payment was not due until XX/XX/XXXX, and that I was unable to pay until that time, and they said the calls would stop. I was called AGAIN, on XX/XX/XXXX, where I informed the caller of my agreement, I was told I am still past due, and made a {$100.00} payment. I was told that my case would be put into a queue, and that I would no longer be called as long as I stuck to the agreement. I received ANOTHER call and text after THAT call. I responded to the text by calling in AGAIN. I was now told that the calls will continue unless I send in a Cease and Desist Letter. I am now making a formal complaint. I will send in a C & D letter, but this is ridiculous. I paid what little I can pay. I paid before my agreed date, and I am still getting calls. 

I am XXXX. I am XXXX years old. I have over 20 years experience in my field and a XXXX XXXX XXXX, but getting no interviews. I am doing all I can. I do not need the added stress of being harassed, when I have made an attempt and agreement, in good faith, and that agreement is not being honored. They state that the calls are being recorded -- I doubt that, because they would not continue to call and harass knowing they have been given an agreement. PLEASE HELP.
Consumer complaint received 2020-09-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (OR)

Nationstar mortgage llc / Cooper Was the servicer for my home loan I sold the house, closed/distribution was on XX/XX/2020. 
Loan was paid in full.

The loan escrow account had over {$3300.00} I was told by servicer I would be sent a check. It was sent to my old address. I called in XXXX and updated my address, nothing happened, never received escrow. 
I called in XXXX, I was told I would receive a check for the escrow. 
They sent a check for {$2.00} I want the full escrow amount.
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DriveTime (MD)

I had an existing loan with XXXX XXXX XXXX ( account number : XXXX ) for a XXXX XXXX, which I traded in at the DriveTime location on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. The DriveTime representative assured me that they would send the remaining loan balance to XXXX XXXX XXXX to close out the loan account. I have been in communication with a DriveTime representative named XXXX, who confirmed that the payment was overnighted to XXXX XXXX XXXX, and I am attaching the confirmation PDF, which shows that it was signed for by an individual named XXXX XXXX. 

Despite this, XXXX XXXX XXXX has continued to contact me about missed payments, and I have incurred additional fees due to what seems to be a delay or miscommunication in processing the payment. I have reached out to both XXXX XXXX XXXX and DriveTime multiple times to resolve this issue, but I have not received a clear resolution, and my account remains in limbo. I have reached out through email and did not get a response back to help resolve this issue. 

My credit score has tanked from the mishandling of this check from DriveTime and XXXX XXXX XXXX. It is unfair that these companies have been damaging my credit when I have been making my auto payment on time since I traded in the car. I do not have the XXXX XXXX anymore.
Consumer complaint received 2022-07-14
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally request the immediate blocking and permanent deletion of certain accounts and inquiries from my credit report, as outlined below. I am a victim of identity theft, and unauthorized accounts and inquiries have been reported on my credit report without my consent. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following items be removed promptly : Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-07
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. (NV)

In XX/XX/XXXX, I was notified by Citi that a payment was due on my Citi credit card. I hadn't made a transaction on this credit card since XX/XX/XXXX and the account was paid in full with a XXXX balance. 

I immediately reviewed my account and saw that there were transactions that I did not recognize. There were twelve transactions ranging in dates from XX/XX/XXXX to XX/XX/XXXX. The total amount of the transactions was {$5600.00}. The location of all twelve transactions was XXXX, Indiana. They are : XX/XX/XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX  {$270.00} XX/XX/XXXX XXXX {$510.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} I contacted Citi immediately to report the unauthorized charges. Citi opened a fraud case. On XX/XX/XXXX, I contacted Citi and they asked me a series of questions. I received a letter on XX/XX/XXXX from Citi that was dated XX/XX/XXXX. This letter was a notification that " Your dispute ( s ) has been closed ''. The letter said, " We've completed our investigation and your dispute ( s ) is now closed. The card 's EMV chip was used to make the disputed transaction ( s ) at a chip enabled card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. The charge ( s ) totaling {$5600.00} will remain on your account, under your account activity. '' I have never been to XXXX, Indiana and was not in XXXX to make these transactions. I can prove my location through work records and travel receipts.
Consumer complaint received 2023-04-01
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)

The following collection is reporting erroneously on my credit report. This is the 3rd attempt to resolve this issue. XXXX XXXX XXXX {$340.00} Open balance. This is also reporting erroneously on a different credit bureau as the debt being owed to XXXX XXXX XXXX. ( Proof of mail delivery as attached. )
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NV)

I was denied credit on XX/XX/2019 by XXXX  due to a credit report they received from XXXX XXXX. My credit score, according to XXXX, was XXXX  out of XXXX, when I have credit scores ranging in the high 600s to low 800s with the major nationwide credit bureaus ( XXXX, etc ). I have contacted XXXX  repeatedly to obtain the free credit report I was promised in the denial letter, but continuously get a recording asking me to leave my name and number for a call back ( latest call XX/XX/2019 ). XXXX  does not allow me to request the credit report online ; other than by phone, they ask me to send by fax or regular mail my social security number, drivers license, and other sensitive material that I am not comfortable sending by fax or mail. I am not sure when I will ever be able to fully review and thus dispute my credit report with them. This complaint is primarily about XXXX, but also I don't believe that XXXX XXXX   should be using such a company for their credit checks.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (OK)

I first heard of this debt on XX/XX/XXXX, when one of their letters was redirected to the correct address for the first time. I went to their page and filled out a form to start a dispute and received no response. 

I next spoke to someone on the phone for the first time on XX/XX/XXXX, in response to the call made XX/XX/XXXX. ( note that the number I was being called from and the number I was told to call are different ). This person had no knowledge of the dispute form I had submitted on XX/XX/XXXX. They gave me an email ( XXXX ) to send my dispute to. I sent a dispute email to that address on XX/XX/XXXX. 

Yesterday, ( XX/XX/XXXX ) 6 days later I received another call and called back. The man on the phone was very aggressive. He told me that they never received my email, ( see proof that it was sent on XX/XX/XXXX ) when I told him that the debt wasn't true and legitimate he told me " Yes it is '' and when I asked someone else to call me back he said " I'm sure they will '' I sent the email again on XXXX multiple times, since they claimed not to have received the email on XX/XX/XXXX. They emailed my wife almost immediately thereafter with a email that simply said " done. ''
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF THE WEST (CA)

I purchased a motorhome from an individual through Bank of the West at the end of XX/XX/2022 first of XX/XX/2022. Bank of the West never processed the transfer of title and registration paperwork thus causing the registration to expire and the title to remain in the previous owners name. Since the registration is currently expired I am unable to move or use the motorhome. I have called numerous times over the past 8 months and each time I call I get a different excuse. I requested to speak with someone higher up at the bank and was told there were no phone numbers and departments usually communicated by email. They advised I write a letter expressing my displeasure. At one point I was told the delay was caused by the bank requesting paperwork from the original owner before my loan was actually funded so when the paperwork was received it had nowhere to go so the bank basically lost it. Instead of someone from the bank contacting me to let me know there was a problem I was notified by the original owner. Ive been told they needed to request a duplicate title, they needed a new power of attorney, they needed approval to pay the late fees with the DMV, and they could not do anything more until the issues they created were rectified. I have been making a payment on this motorhome for almost a year and have been unable to use it. This is costing upwards of {$1200.00} a month for something I am unable to use. This doesnt include the insurance I had to take out before I even took possession of the motorhome because it was a Bank of the West rule for funding the loan. I did receive some duplicate paperwork for myself and the original owner over 2 months ago that I went ahead and completed and was told by the original owner they completed and returned as well. I still cant get an update from the bank on when this situation will be resolved. I have been on a waiting list for a storage spot at the military installation where I work and was finally called about an open spot but was told I could not accept the spot because I didnt have current registration. The spots on base are substantially cheaper than other storage locations so Ive been forced to pay twice as much for a storage spot because Im unable to move the motorhome. The base did agree to hold the spot if I paid for it. In order to not miss out on the available spot, which is also closer to my home, I had to pay for it. Not only am I paying for the motorhome I cant use but Im paying for 2 storage spots and insurance on a vehicle that legally is still not mine and I cant legally operate. To date the motorhome is still registered to the previous owner and I have been given no timeframe for resolution.