davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

I did not apply for a wellsFargo Credit card back in XXXX I went into the bank and spoke with a representative about this issue. I did not authorize However they send me a record of the application and reference number and we still going back and fourth and I did not tell no associate nor bank representative my mother / grandmother did anything this is absolutely unacceptable. It really XXXX me off because she been deceased since XXXX. Yes Wells Fargo showing me documentation but at the same time how about show pictures/ or the voice recording of the conversation that me and the bank representative had. Any body can present documents However still does not justified the fact that the credit card was fraudulent!!!
Consumer complaint received 2022-06-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

Began process of purchasing auto at end of car lease on XX/XX/XXXX. After repeated problems with Hyundai Motor Finance saying that that the forms were not complete, and resubmitting forms over a period of a month, XXXX website finally indicated that title was sent. Title was sent to wrong address.When I called back, I was told that it would be resent to the correct address, and that it would take about 20 days. When the title did not arrive and I called back, I was told that the title was NOT sent because the rep made a mistake and indicated that it was a retail account, not a lease. Her name was XXXX and she said that she would escalate the issue and that the title would be sent to the correct address. Request # XXXX was opened, and I was told that I would get a call back from a supervisor within three business days. When that did not happen, I called back again and spoke with XXXX, who said he was a supervisor. Did not know why I did not get the call back, and created what he called a " corporate '' escalation '' number XXXX. Said I would get a call back from a supervisor by XX/XX/XXXX. I continued to request to know when the title would be sent and to what address. I did not get a response to this request, and called Hyundai Motor Finance again on XX/XX/XXXX. The supervisor I spoke with said she could not answer my questions, and transferred my to XXXX, who indicated that he is a manager. XXXX indicated that my requested was closed on XX/XX/XXXX and reopened on XX/XX/XXXX, but could not tell me why it was closed and reopened. He also told me that my previous request ( XXXX ) was resolved, but that the title was not sent. He could not tell me what this outcome meant. I explained to him that my bank has sent XXXX letters requesting the title, and that they may consider the loan to be in default if the title can not be supplied within 30 days from XX/XX/XXXX. He said I could not speak to the title department, as they do not have phones (! ) and opened a new request, number XXXX. He told me to call back in XXXX business days to see if the issue is resolved! When I asked to speak with his manager, he said that that person takes care of bigger things, like the rent on the building, and does not speak with customers. I have been in contact with my bank on a consistent basis, so they know that I am having problems getting the title sent to me. Each time I call, I am told that the title is on file, but I can not get it sent to me. Please help!
Consumer complaint received 2022-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

Began discussing loan modification options around XXXX of 2022 and advised we could either put delinquent amounts on the end of our loan or add to loan with increased interest. We declined the latter and in XXXX and XXXX of 2022 received modification paperwork which increased our interest rate from XXXX XXXX XXXX XXXX XXXX, increased payment by $ XXXX and seemingly adds total amount past due to principal balance which would change from XXXX to XXXX. Told this or paying off the loan was our only option. 
Received notice dated XX/XX/2022 that we had until XX/XX/2022 to discuss options to avoid foreclosure but home auctioned off on XX/XX/2022. We had no idea this could or would happen as we were actively attempting to find resolution. Unsure at this time if sale will stand and we will be evicted, and forced to file XXXX XXXX XXXX immediately. 
Towards the beginning of XXXX told we were on 180 day forebearance, later told we werent and denied our request for forebearance stating unnecessary. On XX/XX/2022 told by phone all available forebearance used but we believe a 90 day forebearance was only utilized/requested 3 times. Told we had to reapply for forebearance after 90 days. Required to fill out extra information to qualify for forebearance. 
We believe dual tracking occurred and loan modification and foreclosure were happening simultaneously. 
Spoke with representative in XX/XX/2022 to notify of our intent to apply for XXXX and asked for confirmation of forebearance. Lead to believe we were on forebearance. We believe forebearance and XXXX postponing foreclosure date were used interchangeably. 
We question accurate reporting to credit bureaus, assessing late fees while in forebearance, and level of deception that occurred overall. Due to our home being auctioned off we felt it more important to initiate complaint and not wait to look through all correspondences for other incidents.
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Consumer complaint received 2022-06-20
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. (MI)

In accordance with the fair credit reporting act, XXXX account numbers have violated my rights : 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 2, also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-08-21
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. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

I sent in a police report in 2020 with all the accounts like XXXX and XXXX XXXX  that were not mine, now they are showing back up for no reason and my score has bottomed out again. I also had multiple inquiries that are not mine and need to be cleared off.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (TX)

On Monday, XX/XX/XXXX, someone named XXXX XXXX called my parents ' landline and said he got " failure to respond '' papers. He didn't describe who he was or what this was regarding. He told me to call XXXX. A XXXX search said this number is to " XXXX XXXX XXXX. '' However, the website he directed me to was for " Direct Recovery Services. '' He called from the number XXXX. Multiple websites say this is a scam phone number. 

On Wednesday XX/XX/XXXX, XXXX XXXX called my parents ' landline again leaving a similar message to Monday 's. He once again didn't identify who he was with or what this was specifically regarding. He called from the same number as Monday, XX/XX/XXXX, but gave a different number to call back. It started with XXXX but I accidentally erased the number before writing all of it down. 

On Friday, XX/XX/XXXX, a phone call went to my parent 's landline. This message didn't give a name, who they were with, or what this was regarding. What it did say was that XXXX requested to have a hold put on my account, and that hold has expired. I have no idea what they're talking about, and I in absolutely no way whatsoever put a " hold '' on any accounts. This call came from XXXX. Many sites say this number is a scam and/or zombie debt collector scam. This message told me to call back at XXXX. A quick XXXX search pulls this number up with random results, including one being a general tech support line. 

On Monday, XX/XX/XXXX, at XXXX XXXX XXXX called my parents ' landline again. This time he said he had " authorization '' to give me a final call and that based on my " public record '' I'm not " this kind of person '' and should call him. I don't know what he thinks he's implying here, but it made me feel stalked and extremely threatened, and I *refuse* to engage with that. He gave me yet another different phone number to call back. This time the number was XXXX, and most XXXX search results pull up IRS scams. However, one PR site lists this as the company contact number for the XXXX XXXX 

On Wednesday, XX/XX/XXXX at XXXX, I received a call to my cell phone and my parents got a phone call on their landline. This recording didn't say who they were, who they were with, and only that they were " given special final authorization '' to allow me to resolve the matter by paying 60 % of whatever unnamed debt they've yet to outline. This message told me to call back XXXX. That XXXX search didn't reveal much of note. Though all of the messages told me to go to " Direct Recovery Services '' website, this is the only call that comes from a number linked to Direct Recovery Services.
Consumer complaint received 2023-03-28
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: Velocity Portfolio Group (NC)

Find CKS Prime on my credit report as attempting to clean it after a care provider took advantage of this XXXX veteran. Upon contacting CKS prime, I was told they hold the account for Velocity Investments at XXXX ( XXXX ) XXXX, and could not work with me. I called the number, and was received a recording for medic alert, and given the run around. I do not recognize these charges on my credit reports, as I would not, with a con-artist care provider abusing my money and credit while also playing a romance scam. I am just trying to clear my credit report, and given the run around, not even able to pay anything off if that were my intentions. Since CKS Prime can't verify Velocity investments they claim they are holding for, or give me contact to resolve anything, please remove all of those items from my credit report.
Consumer complaint received 2022-06-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-12-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (FL)

I am filing this report because I discovered that Ideal Collection Services Inc. has placed an eviction or other collection-related information on my credit report. I do not recognize this company, nor have I ever had any dealings with them. I am unsure how they obtained my personal information, and I have no knowledge of the alleged debt or the account associated with it. 

This situation is deeply concerning as I believe my identity may have been fraudulently used. I request that this matter be thoroughly investigated, and any incorrect or fraudulent information related to Ideal Collection Services Inc. be removed from my credit reports and associated records.
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit reporting act, XXXX  account numbers have violated my rights : 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 2, also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2024-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Check XXXX was double posted to my account. reached customer support, claims they will take 10 business days to revert this transaction, leaving me without {$1000.00} during the holiday weekend. Spoke to XXXX on XX/XX/year>, gave ID number XXXX. She claims to be a supervisor, and she claims the bank is unwilling and unable to issue a temporary refund to offset their accounting mistake.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST INTERSTATE BANCSYSTEM, INC. (SD)

I have tried customer service, and bank location # s. Every time i've gotten the message " call back when we're open at XXXX XXXX '' even though I call past XXXX. There is no way to contact their customer service #! 

This company ( First Interstate Bank ) did a buyout of my bank ( XXXX XXXX XXXX  ) and for WEEKS i've been unable to reach a representative to give me access to my accounts. 

The previous login information for XXXX XXXX Bank doesn't work, and neither does their XXXX  application. 

On XXXX reviews they CLAIM that this is a " transition period '' but that merger happened weeks ago, and why would that affect the parent company 's customer service lines improperly telling customers that they're closed, HOURS after they open?! 

Go ahead and dial their customer service number ( XXXX ) and TRY to get through to an actual representative. It is impossible. 

They took my accounts from XXXX XXXX XXXX  and have STONEWALLED not just me, but many other customers from accessing their accounts FOR WEEKS. This is criminal. Please look into this, I beg you.
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

Some changes have occurred since my last complaint. I received a letter from Wells Fargo saying my checking account ending in XXXX, from which all cashier checks originated, was being cancelled on XX/XX/year> because they received 3 fraudulent wire transfers totaling {$11000.00} from the Retired Workers Compensation Board ( RWCB ). My position is clear. Wells Fargo has been negligent in putting fraudulent wire transfers into my account. They should have been pending until verified. I had no way to know that the wire transfers deposited in my account were fraudulent. WELLS FARGO SHOULD HAVE KEPT THE TRANSFERS PENDING UNTIL THEY WERE SURE THAT WIRE TRANSFERS WERE VERIFIED. 

In addition, I have had many complaints against the RWCB that they were stealing my cashier checks. Attached is a list of those checks processed over the last 51 months. Wells Fargo refuses to take any liability for these stolen checks which I believe is their legal responsibility. The cashiers on each check belong to the RWCB. I consider this issue as still open and my account should NOT be cancelled until this is resolved. My resolution is the return of the {$970000.00} to me. 

Thank you for your understanding. 

XXXX XXXX
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (CA)

This account was opened in XX/XX/XXXX and became delinquent soon after in XXXX. It has been incorrectly reported every single month as 120-149 days late- even after the 2 year mark. This company continues to intentionally make this erroneous report to all 3 credit agencies with the intent to harm my credit score even 4 years after the loan was disbursed.

This should have been charged off two years ago. I have disputed this debt, I had a credit repair company, XXXX XXXX, try to resolve it on my behalf, they were unsuccessful as well. The amount of interest and fees have now more than doubled the amount of the loan. The original loan was {$2700.00} and is now {$5400.00}. My only source of income is from a state Medicaide program called XXXX XXXX XXXX XXXX that I get for caring for my XXXX XXXX children. I am unable to work outside the home. 

This preditory creditor is making false reports to the credit agencies every single month to destroy my credit as revenge for not being able to repay this debt. Soon after I took out this loan I got XXXX twice- as did my entire household- and had XXXX deaths in my family.
Consumer complaint received 2022-07-08
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. (VA)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX {$20000.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; CXXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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