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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

Timeline : * On approximately XX/XX/2020, I received a letter from XXXX XXXX XXXX ( " XXXX '' ) dated XX/XX/2020 informing me that the servicing of my mortgage had been transferred from XXXX to XXXX effective XX/XX/2020. The letter stated that my unpaid principle balance was for {$12000.00}. ( copy enclosed ) * I promptly sent a check for the amount of {$12000.00} to the address indicated for payments. 
* Check was returned * A statement, dated XX/XX/2020 was sent to me with the final payoff figures totaling {$12000.00}. I, again, promptly sent in another check with the amount indicated to pay off the loan. ( copy enclosed XXXX In a letter dated XX/XX/2020 I received a letter congratulating me on paying off my letter in full with a payoff date of XX/XX/2020. ( copy enclosed ) * On XX/XX/2020, my credit card company informed me that my credit score had suffered due to a " delinquent status '' as reported by XXXX coincidentally on the same date as my payoff date or XX/XX/2020. My credit rating dropped from XXXX down XXXX points to XXXX. 

*I promptly called XXXX the same date and talked with several representatives ( the one I started with was " XXXX '' ). I was informed that XXXX did not report to the credit bureaus and, in fact, were prohibited by law under the Real Estate Settlement Procedures Act " RESPA '' - the first I had heard of this Act. I was able to convince them that they did indeed do the reporting and was told the only way to " fix '' the mistake was to file a dispute. I promptly did and also filed a dispute with all credit bureaus, The initial delinquent status was removed but my credit rating did not recover to XXXX. 
* On XX/XX/2020, XXXX again reported me as delinquent ... ... I immediately called XXXX and they were as dumbfounded as me ... perhaps more XXXX than founded ... ..I was told that they would immediately start working on it and that I would not have to file a dispute as they recognized that they had a reporting issue .... 
*Today is XX/XX/2020 - I just completed yet another call with XXXX and spoke with " XXXX '' who informed me yet again that there was no way they had reported it.. After encouraging her to read my file she put me on hold for several minutes and then informed that the person who was working on it " was away from his desk ''. 
*To summarize - XXXX is continuing to report me as delinquent on every scheduled payment even though 1 ) the loan was completely paid off on XX/XX/2020 as even they acknowledge by letter, 2 ) I STILL have not received my lien release ( they informed me it as in process ), 3 ) My credit rating has suffered severely dropping from the highest percentile to " average '' through no fault of mine, and 4 ) They are PROHIBITED BY LAW to report anything to credit bureaus within the first 60 days of transfer. 
I NEED HELP AS THEY ARE TO INCOMPETENT TO FIX THEIR OWN MISTAKES.
Consumer complaint received 2020-09-09
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Property was sold — 
Company: TMX Finance LLC (TX)

I was a victim of a id theft as well as my credit was destroyed in the process, so I worked with a ton of regulators from ATTORNEY GENERAL, CONSULATE OF CURRENCY, FDI, FTC, DEPARTMENT OF BUSINESS AND INDUSTRY, and it is there that I learned certain laws or guidelines that Creditors have to follow. As far back as XX/XX/2020, I spoke to manager at the XXXX at the XXXX XXXX branch in XXXX, TX of TITLEMAX. I was getting several several calls a day even after I spoke to someone in the office or left word. I also indicated to not call my cell and leave a message to call my other number if you needed to get a hold of me, I Was having issues with speaker on the cell. I also let him know as COVID just started that I have extremely high XXXX in my XXXX and XXXX and i sometimes get very sick for few days on end. From XX/XX/2020 til XX/XX/2020, I had to repeat myself to XXXX and I had to leave messages on their answering machines and letters as XXXX promised not only would not get so many calls, but that they would call the other number. I made it very clear if I was needed to get a hold of that the other number was the one to reach, and if I needed make a payment my friend could do so. However, fI Was sick for several weeks beginning of XXXX and I let TITLE MAX know as well, I let the know that there was issues with unemployment payments due to congress not being able to come up with a resolution, as well I got call after call after harassing call only on the number I made very clear over 20 times not to call. Infact to date the number I Asked them to call has not had one call,. As well in XXXX XXXX said after I made my payment for that month he was gon na take {$200.00} off for me being good client, but he never did. I left word I was very clear, i said once the {$200.00} i was owed was paid, I would make a payment, and unemployment just kicked back in a week ago with back pay, but the repoed my car. I even told them I had to take in for timing belt and the car was hit while I Was sick, and needed repair, I got NOT ONE, NOT ONE phone call on the number i asked them to call, I realize what they were doing, it was a bullying tactic, it has been a year since I had the loan, I have paid well over {$5500.00} in interest on a {$3100.00} loan, but everyone knows titlemax will get your car after you pay a year so they can get twice as much money. The, totally disrespected me, harassed me, lied to me, I had not issue making payment, I asked for the {$200.00} to be taken car of them I would make the payment, not one call came in on numnber I asked them to use, instead the played games leaving dozen calls a week and several messages that were not understandable due to the speaker, however, I have wittnesses, copies of paperwork and then some that I asked them to call the other number and all the other things I referenced here.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

My PayPal account was closed on XX/XX/2022, without a crude reason. I have been using the service for the last two months without an issue, until they permanently limited my account on the stated date. 
The company has caused inconveniences in the plans I had for the week and the pending bills I had. The decision the company took was unfair and unexpected. The account had {$39.00} plus the other pay I was expecting from the website of XXXX XXXX which I've been working for ; from early XXXX, 2022. 
The limitation to my account I think it wasn't a very fair move, despite the fact I confirmed all the documents the company asked for.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Amscot Corporation (FL)

The company I worked for back in XXXX through XXXX gave out payroll checks and days later they would close the account or place stop payments on the checks. I have told Amscot to please get in contact with the owner of the company. It was his payroll check that he had issued. About once a week I get a harassing call demanding money from an Amscot associate. This employer did this to several employees. XXXX XXXX was the name of the company. XXXX XXXX is the name of the owner.
Consumer complaint received 2019-05-29
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: Knight Adjustment Bureau (UT)

Knight Adjust - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-10-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

The finance company, wells Fargo auto dealer services is using my nonpublic personal Identifying information to include my social security account number WITHOUT my express consent or authority. I specifically deny and object to liability on account stated as rendered no. XXXX as I am not a debtor but a Natural Person who acquired " Consumer Goods '' to be used primarily for Personal, Family, or Household Purposes. The three major Credit Bureau 's by law is directed to removed said inaccurate information as it causes the " Consumer '' undue hardship by reducing my lending/selling ability and purchasing/buying power through commercial disparaging to which Identity Theft conversion of property. Wells Fargo Auto Dealer Services changed my character from Principal/Consumer/Supplier/Issuer/Accounts payable to borrower/debtor/ Accounts receivable and assume my Identity to sell commercial paper in my name. Criminal Fraud has no statute of limitations and I will defend against any Corporations, Individual, Private Entities that is affiliated with the U.S. government or Not affiliated, and I will seek my remedy and stand up for nn my Rights. 18 USC part 1 lists all crimes a d if found guilty could face up to prison time as well paying for the penalties.
Consumer complaint received 2023-10-18
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. (GA)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX**** Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/year> I initiated a {$250000.00} transfer from Marcus to my linked XXXX XXXX XXXXXXXX savings account via phone. The Marcus agent told me that everything looked good and I should be seeing the funds hit my XXXX XXXX XXXXXXXX account within XXXX business days. 

XX/XX/year> The transaction is listed as posted on my account and is in process. I got a call from Marcus same day about verifying my account. They kept telling me they couldnt verify my phone number and identity even though I answered all their questions appropriately in order to verify that I initiated the transfer. Multiple agents werent able to give me an answer as to why. The last agent I spoke to on this day finally said that the transaction will be reversed for unknown reason and I should try to initiate the withdrawal again. 

XX/XX/year> Around XXXX I initiated another {$250000.00} wire transfer from Marcus to XXXX XXXX XXXXXXXX via phone. 

XX/XX/year> I called XXXX XXXX XXXX about my second transaction attempt. They informed me that because the first transaction was reversed the funds were on hold until XX/XX/XXXX. I informed the agent that I would LOSE MY HOME if I dont get this withdrawal in time in my XXXX XXXX XXXXXXXX account. She noted to expedite my case to some other Marcus department. 


Sometime later during the day I finally see my {$250000.00} in my XXXX XXXX XXXXXXXX account. I called XXXX XXXX XXXX to confirm that the funds have been received on their end and I may use the funds as I wish. I called Marcus as well to confirm everything went through. 

THIS WAS THE MOST STRESSFUL THING IVE EVER EXPERIENCED IN MY LIFE. Their identity verification process is so horrible. Putting their clients LIFE SAVINGS funds on hold for more than a week is insane. A lot of people use Marcus as their emergency funds. I can not stress this enough. I WOULD HAVE LOST THE DEAL - MY FIRST HOME PURCHASE, AND MY EARNEST MONEY DEPOSIT ( {$27000.00} ) if the funds from Marcus didnt transfer to my XXXX XXXX XXXXXXXX account in time. Please fix this. I will no longer be doing business with Marcus. HORRIBLE CUSTOMER SERVICE. No one seemed to give me a straight answer whenever I called. TERRIBLE!!!
Consumer complaint received 2021-04-23
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: WELLS FARGO & COMPANY (CA)

I am trying to improve my credit score so I can move my XXXX of XXXX into a three bedroom apartment instead of living in only one room period. I called Wells Fargo on XXXX to delete, remove or erase the negative remarks or comments from my charged off account that is reporting negative to the Four credit bureaus. They said they would be happy to help me resolve this issue by payment plan, settlement, or payment in full of {$1300.00} before thirty days. I asked for the best possible out come and they indicated payment in full would lead to a positive reflection on my score, I liquidated all assets to deposit the balance in full with in 3 days at a local branch. I waited 45 days and pulled my credit reports, still reporting the same negative comments. I called in several times to see what happened, they indicated they would send a courtesy deletion letter to help me resolve this matter ASAP. One year latter, No change, called again on XXXX and spoke with a representative she indicated three internal courtesy deletion letter where requested on behalf but never sent out? She said she worked their for 21 years and the requests never get sent out. I was very upset and angered that my family has to keep enduring this living situation due to Lie in order to collect a charged off on their taxes & still got my $ $ XXXX
Consumer complaint received 2022-07-22
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. (OH)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ACIMA CREDIT, LLC (GA)

Acima credit has reported an account that I co-signed on 3 years ago and failed to notify me about the action. I have never heard of a company that reports to the credit bureau without notification. I feel this is an illegal billing practice and I should have been notified. I also filed bankruptcy in XX/XX/2018 which was discharged and could have included this account. However it was not on my credit report at the time. I am told by the company nothing can be done. This is very unethical and unfair.
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

I have called and attempted to talk to somebody to remedy the problem at least 20 times. When I called and reached someone they dont understand English very well and I couldnt get anywhere. I called at least seven times today today and it go to someones voicemail but they dont allow you to leave a message. They only suggest that you use another way to contact them, which Im not sure what that would be. I also emailed them. Please see the screenshots attached. My complaint is against Citi card.
Consumer complaint received 2019-09-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Kashia Services (WI)

I decided to get a payday loan from Soild Oak Finance. I ended up getting behind. Got over my head in other payments. I tried making an arrangement of {$50.00} per month. I never heard back from them. Found out this lender has garnished my wages. I never received any small claims summons, any paperwork from Soild Oak telling me they were suing me. I looked in Wisconsin Court access for anything of them suing me. There is nothing. I am below both state and federal poverty line. On food stamps and state paid XXXX. Under WI SS 812.35 this is an ILLEGAL garnishment. Under federal law, this is an ILLEGAL garnishment. We want to file a complaint, want the garnishment to STOP and want to be reimbursed for all monies taken ILLEGALLY from my pay check. Company who take advantage of poor people then go around federal and state law and steal from them shouldn't be allowed to be in business!
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV INC. (WA)

whenever I try to login into the app there's a black screen and I can't see what I have nor access the funds that I need to pay for bills and other personal things. This is the second time this has happened to me
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MI)

On XX/XX/XXXX US Bank restricted my Business Checking account due to a chargeback that was disputed over XXXX ( for Business ). I went into the bank on XX/XX/XXXX and they said they are doing a review, will be closing the account ( which has a balance of {$210000.00} ), and mailing me a check. I have attempted to resolve this issue in a timely manner but it has been almost 4 months now with no change of status and I really am in need of this for my business. They have not given any help and are outright rude when I try to get to the bottom of it.
Consumer complaint received 2019-09-02
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)

XX/XX/2019 I have made three attempts to have the incorrect information on my Equifax and other credit reports corrected made by XXXX XXXX XXXX and the credit bureaus and have also filed complaints with your office and the IL Attorney General. I closed this line of credit with XXXX XXXX XXXX over a month ago when I also closed my checking and savings accounts and at that time I also requested they report all as closed per my request to all of the credit bureaus and they have not!!!! 

They are still showing the account open with a balance of {$500.00} and are not showing all payments were made as agreed and timely either!!! I want all payments shown as made on time, balance as XXXX and account closed and noted closed at my request now!!!! 

I also want them to update the same with all of the credit bureaus and I want a free and corrected copy of my credit reports from all three credit reporting agencies mailed to your office and myself within a week of them receiving this complaint!!! This is the 3rd time I have requested this information be corrected and it has been months and still is not, they are breaking the FCRA laws along with many others and need to be fined and shut down!!! 

I have also forwarded this information on to the IL Attorney General and my attorney for review as this misinformation has caused me great harm to my reputation. I am a XXXX employee!!! If they are too incompetent to do their job, they need to be shut down!!!!