davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (NC)

On XX/XX/XXXX, I inquired about XXXX with XXXX XXXX XXXX XX/XX/XXXX AAG received the property title report with a lien on my property. I had no idea about this and my townhome is payed off. The person I was dealing with had left the company. No one for a while had contacted me. Then someone called me and asked if i still wanted to do the HECM. I said of course. I went through the leg work already. All of a sudden, the notary person came to my house and rushed me through all the tons of documents. Yes i signed them and got covid after that so did not double check everything within the 3 day period. They gave me the equity of XXXX. Then i find out they payed XXXX to macintosh law firm for the medical lien on my property. NOT one person discussed that with me and also the remaining equity went to a set aside XXXX. Also no one discussed that to me. The reason I got the XXXX  was to have help with retirement. I disputed the medical Judgement with AAG. A month later I got a letter saying I do not have a case. I also asked them to look at recordings from before on the fact that not one person discussed the medical judgement or the set aside.I would have never done the XXXX if I knew this. AAG said that recorded calls are unavailable.. They now have control of my property and they took my equity. I have nothing. How on earth can they even allow me to get a XXXX loan knowing I had a lien
Consumer complaint received 2022-10-12
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may Make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-06-27
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. (TX)

I DO NOT RECOGNIZE THESE INQUIRES. THE FCRA ALLOWS ME TO HAVE FALSE ITEMS DELETED FROM MY REPORT. I DO NOT HAVE ACCOUNTS OPEN WITH THESE COMPANIES. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TEXAS XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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: SANTANDER HOLDINGS USA, INC. (MD)

I XXXX XXXX am a natural born person I am the actual person submitting this dispute. This is not a third party. After reviewing my credit profile I identified multiple discrepancies with accounts listed as XXXX XXXX XXXX XXXX  account # XXXX and Santander Consumer USA account # XXXX They are reporting inaccurate last activity date and high balance to all Credit bureaus. A validation and update to my report has been requested. 

15 U.S.C 1681s-2 Responsibilities of furnishes of information to consumer reporting agencies ( a ) Duty of furnishes of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge if errors. 15 U.S.C 1681e States ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
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Consumer complaint received 2023-02-25
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. (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing about experience inside of Bank of America Branch. I went inside the branch, and was waiting to speak with agent when someone who was inside the branch already started to threatening, and being abusive to me. The scary part is no one inside the branch intervened or stop abusive behavior. The branch manager and teller didnt say anything at all while the person came closer to try to hit me. 

I called the bank multiple times to speak with the manager but no one is answering phone. 

This BOA branch has horrible customer service, and This experience left us to believe its not safe place. 

Bank of America Branch address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ mi ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ ] XXXX. XXXX & XXXX Account Number : [ XXXX Reason : [ I need it to be remove if possible please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

I am hereby putting XXXX on notice that they are negatively reporting information on my consumer report and I never gave them my written instructions to share my information with a non affiliated third party. 

The Gramm Leach Bliley Act states that a financial institution may not share any non public personal information with a non affiliated third party. A financial institution is also supposed to give the option to opt out of credit reporting. XXXX is sharing my non public information with Experian who is in fact a non affiliated third party. I never gave XXXX written instructions or gave consent for them furnish this negative information onto my report or share my information which is a violation of my right to privacy. And this has cause a privacy breach and has hurt my reputation by furnishing multiple late payments on my consumer report. Please see the attached letter for full information.
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Wire Transfer number is XXXX First of all, XXXX is the one individual that has given me any sort of answer so she has been doing a great job. I sent a international wire to XXXX XXXX ( Wife ) in XXXX for XXXX Euros. It was sent out on XX/XX/2021 but the individual did not do it right because it was never sent. Then Sent a new wire on XX/XX/2021. On XX/XX/2021 I found out that XXXX stopped the wire and had some questions for me. Answered the first 4 questions that day and on XX/XX/2021 I answered two more. Now it is XX/XX/2021 and according to my bank my funds were released but still have not moved. I need this money to purchase a car which I need for work so I can feed my family. No one gives me a clear answer besides XXXX and we are approaching a month for this transfer and I am at the mercy of someone pressing a button to allow my funds to go through. 

My legal name is XXXX XXXX XXXX. I was born in XXXX California and served in the XXXX XXXX for 6 years. I have no affiliation with the XXXX that I had a partial match on the XXXX list. I just want my money so I can function in a country I just moved too. Please I need assistance to get this resolved
Consumer complaint received 2023-03-24
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. (PA)

Hard inquiries reporting on my report. These items arent mine and I dont have any Knowledge of the companies such as XXXX XXXX XXXX XXXX services, XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (PA)

Ok, back in XXXX quicken Loans made a mistake and raised my escrow taxes from XXXX to XXXX. they added an extra zero. they raised my monthly payment to XXXX instead of my regular payment of XXXX they wont admit their mistake. they finally changed my payment back to normal for XX/XX/XXXX. they still want me to pay the XXXX for XX/XX/XXXX and XX/XX/XXXX. I cant afford to do this. I did nothing to cause this. I made my regular payments for these two months not late! they have added late fees and damaged my credit. I have contacted them several times with no success. this was totally their fault and I am getting blamed. I was always on time with my payments and had perfect credit .I cant believe what they are doing after they made the mistake. I need help and would like your advise on how to start legal action against them. Thank you XXXX
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

I want to a dealership back in XXXX of XXXX to purchase a car, at that time I had no job I was desperate to get a car to work for XXXX and earn money, Unfortunately the only finance company I was approved for was Santander, But the interest rate was so high, but again I had no other choices but to take to the offer not knowing what will happened later. 
my payment was {$640.00} for 72 month. I mean that's totally not fair the amount was financed {$25000.00}. I mean if you cant offer me a fair deal at the begging why would you take advantage of people like me at the first place. 
I have been paying {$640.00} since XXXX of 2018 yet I still owe on the car {$20000.00} as of today. I feel like this company is a total scam company at this point they should have denied me.
Consumer complaint received 2020-07-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: STATE FARM BANK, FSB (FL)

On XXXX, XXXX, and XXXX of XXXX, I was put on a deferment plan due to COVID 19. When I signed online to make my payment on XX/XX/XXXX it would not let me enter my card. I called State Farm Bank to find out why I can not pay and they tried to take it over the phone but due to me not having a checking account any longer, they refused the payment. They said that they can only take payments via checking account. I closed my account due to fraud activity and opened a new account at a new bank, with no checking account. I have an XXXX  XXXX card to pay all my bills and money is transferred into it to make the payments. They said too bad and I could open a checking account through them, pay the fees for the checking account I don't need, but how do I get money in it if they don't take a card. They said I could go to XXXX XXXX and wire the money but I am responsible for the fees. I can't leave, doctor 's orders. I called and filed a complaint on XX/XX/XXXX. I was told by XXXX that they would repossess my vehicle. I have been calling ever since trying to get a response, nothing. I was told I will have to wait. Today I spent 3 hours on the phone trying to make my payment, they told me to refinance it somewhere else if I don't have a checking account. I again told them that I will put the payments into escrow until they decide how they are going to take them. They refused and said the vehicle would be repossessed. I has called headquarters, asked for headquarters, corporate, anyone that will help in upper management and they hang up or send me to a department that can not help. Who, in this day and age, has ever heard of a bank not taking a card? My bank laughed and said they have never heard of such a thing. They said that I will incur late fees and it will affect my credit. So I have two law firms waiting for them to answer. I need help, I can not afford this and can't afford two law firms to convince a bank to take a card for payment. This is ridiculous.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I applied for a credit card with a balance transfer feature in XXXX XXXX. I received the card a couple of weeks later. I did not activate the card, because i was not going to use it for a while. On XX/XX/XXXX I reported fraudulent activity to the bank. There was a balance transfer for {$5400.00} to a company that I have never heard of or done any business with them and very obviously not done by me. Contacted the bank on XX/XX/XXXX and explained that it was a completely fraudulent transaction again and they promised a resolution by XX/XX/XXXX and told me this would be covered under their fraud protection program. On XX/XX/XXXX I received a letter claiming that there was no fraud. That claim is incorrect and impossible. I have never done business with the company that actually received the money, nor do I have any knowledge of the existence of that company. And more importantly the company that they say I owed money to is not listed on my credit report. 
The only way I found out about this problem was when I checked my credit and saw that there was a balance on a card I had never used.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  Account Name : XXXX XXXX XXXX Reference Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-27
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. (TX)

Every credit reporting agency has removed these from my report EXCEPT for Equifax. 

Equifax failed to provide me with documentation and PROOF that this collection and collection amount belongs to me. It needs to be removed immediately. 

XXXX XXXX XX/XX/2022 {$3900.00}
Consumer complaint received 2022-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates REPORTING TO XXXX, XXXX, XXXX Acct No : XXXX After receiving improper notice from Portfolio Recovery Associates, I sent written request for validation and Portfolio Recovery sent improper validation. They did not include the Original Creditor 's Address as required by the Fair Debt Collection Act : Section 809 ( see attachment ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the NAME AND ADDRESS of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and ADDRESS of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and ADDRESS of the original creditor.

ALSO, Portfolio Recovery used deceptive practices by putting at the bottom of the letter that that was not an attempt to collect a debt. ( SEE ATTACHMENT ) Section 807 : A debt collector may not use any false, DECEPTIVE, or misleading representation or means in connection with the collection of any debt.

ALSO, Portfolio Recovery used deceptive practices and did not accurately report the last late payment on the original account.
Consumer complaint received 2022-06-27
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. (MD)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I have tried everything to get my experian credit score to go up. I have had late payments in the past, but have paid off ALL my debt. I have low revolving credit lines and have history. When I have tried to contact the company to discuss the issue, they say they can not help. My XXXX  and XXXX have jumped over XXXX points and experian, nothing.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX XXXX an email that we signed up for wire transfer two transfers 1st {$170.00} + {$30.00} fee and 2nd {$17000.00} + {$30.00} fee. I called Wells Fargo immediately after that. Reported the fraud closed the account and opened a new one and got a claim number ( XXXX ). Transferred {$20000.00} into the new account. The money from the wire had not come out yet. 
XX/XX/XXXX The two wire transfers came out of the new account totaling {$17000.00} XX/XX/XXXX Called to follow up and got a new claim number ( XXXX ). 
Nobody could explain why I got a second claim number and why the wire came out of the new account 3 days later XX/XX/XXXX Claim got denied, they said my log on information was used. I asked for proof showing the login and they said the code was sent to my phone to authorize the transaction. There was never a code sent to my phone, there should have been 3 codes one for the wire set up and one for each wire transfer. I asked for them to send me the time stamp and codes that were " sent '' to my phone, so I can verify with XXXX XXXX XXXX. I never received the information. 
XX/XX/XXXX Called to follow up and asked how the wire transfers came out of the new account when the money was still in the old account to transfer. I got transferred to 6 different people without an answer or resolution. Asked again for the time stamp and security code information, still haven't received it. 
XX/XX/XXXX Filed a police report XXXX XX/XX/XXXX got declined again from the executive case specialist I have bank statements showing the money being transferred to the new account on XXXX