davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (UT)

I disputed an account that is reporting on my credit in error. This account is negatively affecting my credit and I can not get it removed from my credit reports due to the credit bureaus not conducting a thorough investigation. On XX/XX/19 I mailed a dispute letter for this account that is reporting as a chargeoff/collection and in the comments it states it was sold to a third party collector. I do not know who this third party collector is they are stating now owns the account nor is it even reporting on my credit. In the first dispute letter I asked all three of the credit bureaus to investigate this account and verify it. They keep coming back saying it is verified and updated. I did not ask them to update anything. I asked them to verify it and if they can not properly verify it then to delete from my report. Then I sent another letter on XX/XX/19 on to ask them to re-investigate and send me the information they used to verify the account from the creditor which I received the same result. They did not tell me how they were able to verify the account when the creditor no longer owns the account and they clearly did not conduct a through investigation. I sent a third letter to them on XX/XX/19 telling them they are violating the law by falsely validating this account and not removing it from my credit report. They sent a response back saying they updated more information on this account which is completely inaccurate. I never opened this account and they were not able to send me an original contract with my signature. This one account is causing me to be denied for my business funding and I am beside myself that they can even do this to me and ruin my credit this way. XXXX, Experian and XXXX are not doing their job and this is very upsetting as a consumer.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OR)

I have applied and been accepted for modifying my mortgage. Mr. Cooper/Nationstar says I am accepted but the payments are nearly {$7000.00} a month. They use their own insurance which is over {$1500.00} per month. They want me to make 3 payments at nearly {$7000.00} and they will look at modifying the loan, it isn't guaranteed. So they are asking for this outrageous payment for 3 months, then they could say I am not approved for the modification. They are purposely making this undoable so they get your home. This is not right. I also have a confidential tolling agreement which Mr. Cooper/Nationstar violated and did not follow. The violation of this agreement should make the foreclosure void. 

XXXX XXXX LOAN NUMBER XXXX
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

Reference previous complaint XXXX. The agency never complied with regulations nor did they do any of the things that they said they would do in the response to the CFPB. They continue to report to the Credit Reporting Agencies erroneously and illegally. None of the folllowing happened as they said it would nor have they addressed any of the information I originally asked for the in the original request nor provided written verification to any of my original questions. None of the below mentioned actions were taken by the agency : Upon receiving notification of your complaint Midwest Recovery Systems has reviewed your account. It was found that your account was placed in our office on XX/XX/XXXX by our client XXXX XXXX XXXX. We show this account was originally opened with XXXX XXXX XXXX on XX/XX/XXXX and went delinquent on XX/XX/XXXX. We show there has not been communication regarding this account. After reviewing your complaint Midwest Recovery Systems has placed your account in a Dispute status and sent notification to the credit reporting agencies to update this account as disputed on your credit report. We have also requested the validation documentation from our client. Our process is as follows : Upon receiving notification of a dispute or request for validation. Whether the request is verbal, written, or electronic the account will be changed to a DISP ( dispute status ). The status change will trigger a notification to be sent to the credit reporting agencies. The status will also let our Dispute Resolution team know to review and request validation from the client that placed the account with us. Once we receive the documents, we mail them to either the address on file or one you requested. The account will then be place on hold for 10 days allowing you to receive and review the validation. After 10 days we will call and follow up to make sure you received what was requested and go through them together. In the event our client does not produce the validation documents within 23-25 days from the date of request, MRS will change your account to a UTV ( Unable to Verify ) status, close and return the account to our client and send a deletion record known as a DR to the CRAs upon our next reporting which is weekly ( generally on Sunday ). Normally there is a larger window for clients to return the documents. However, MRS does not and will not continue to report a debt to the Credit Reporting Agencies where we have received or believe there is a discrepancy. If there are any questions, please contact our office at XXXX. You may also email us at XXXX- MRS Complaint Resolution Team.
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (FL)

I have been contacting XXXX  XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on XXXX. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX  XXXX and i have disputed this. they keep updating the dispute
Consumer complaint received 2020-01-02
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. (PA)

I have requested on numerous occasions to reinvestigate and verify the alleged account with XXXX XXXX XXXX XXXX my last attempt was on XX/XX/19. 

I requested to provide me the following : the name, address and telephone number of each person contacted regarding this alleged account. I also requested any formal documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Lastly, I requested their method of verification as any automated response or e-Oscar verification is unacceptable. XXXX   and Equifax failed to provide the requested information and refused to reinvestigate the dispute.
Consumer complaint received 2020-01-03
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

I was told that I had 30 days to return my Cell phone that I purchased from XXXX XXXX XXXX. I work remotely, and shortly after purchasing the phone I realized I do not have XXXX XXXX XXXX service in my home. The signal was so terrible that I had to go in my backyard to have business meetings. I called XXXX XXXX XXXX and told them about the problem. They informed me since it was not an issue that they could fix ; that they would cancel my contract and send me a prepaid label to return the equipment. I did not think there was any problem until several months later when I received a collection bill for the full price of the phone THAT I NO LONGER HAD in my possession. So I feel robbed by this company. Not only did they take a brand new {$1000.00} cell phone back from me, they are also billing me for the equipment. I have contacted them several times and was told that I was over the 14 day return policy by a few days when I returned the equipment. I was not told this when the representative agreed to mail me the return label. If I was going to be held responsible for the bill, I should at least have the phone that I could resale to someone who can use the XXXX XXXX XXXX XXXX to cut my costs. However, this was never a thought as the company agreed to cancel the contract, and they accepted the phone back with the prepaid label provided. I feel this is fraud for them to accept a new phone back, that they get to make a profit on again and charge me as the consumer the {$1000.00} for a phone I don't even have. I have the text chat from my 3rd call to the company, and the return policy that shows online that there is a 30 day cancellation policy. I told the the representative what was posted online, and they just told me the information was incorrect.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

i went into wells fargo to open a savings account we sat down with the manager he was asking my husband and myself have we ever opened an account with wells fargos my husband had open an account a few years back and it will be my first time so the guy was asking me if i ever lived at this place i said no then he ask me if this email was mine i said no then he asked me are you sure you never opened an account with us before i told him no. i told him it doesnt make sense why would i come in here today to open one. he was on the phone talking to wells fargo fraud divison now he was starting to make me feel uncomfortable like i did something wrong so this lady walks over and ask whats going on i was trying to ask him the same thing so i was getting irritated because he wasnt telling me anything all he said at this time we are unable to open an account for you i asked him why not he told me i cant give you that information my husband ask if we can get a copy of why they are denying me he gave me a number to call so i called the number left like three messages so she finally called i gave her my first and last name i told her i try to open an account and i wasnt able to and was told to call this number so now im calling she asked what its aboutt im trying to find out myself she said she will call me back when she finds out whats going on still waiting can you please help me out im really trying to build my credit not destroy my credit need help thank you
Consumer complaint received 2020-01-02
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. (AZ)

I have contacted and disputed old, obsolete, and addresses that are not mine multiple times in XXXX. They have been deleted 5 times but continue to reappear with no explanation. I have contacted all my active lenders and other bureaus and have only 1 address on file with them. Why Equifax continues to report false addresses is unexplained, unverified, and they have not provided supporting documentation for these and is a violation of FCRA to add items that have been deleted back on to a person 's report. 

7 addresses have been deleted and reappear 5 times to date. 

Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX Deleted XX/XX/XXXX As of XX/XX/XXXX they are again still showing. Confirmed by Equifax representative on call XX/XX/XXXX and copy of credit report XX/XX/XXXX
Consumer complaint received 2020-01-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Platinum Holdings Group, LLC (TN)

Platinum Holdings Group is pretending to be a law firm named XXXX XXXX XXXX. They are calling and threatening to sue and/or garnish wages. They are calling and harrassing myself and my family. On XX/XX/2019, I received a phone call from an unknown number. Someone claiming to be XXXX XXXX at the mediation office of XXXX XXXX XXXX needed me to call them due to a breech of contract. I also receive texts and phone calls from family because these individuals called family members as well. I call them back and they tell me I owe {$730.00} for a payday loan with XXXX XXXX or they are going to serve me court papers and garnish wages. I tell him I have already paid it and he stated that the company I paid is not in the chain of command and it would have to be paid again. He tells me XXXX XXXX XXXX is suing me on behalf of Platinum Holdings group and I need to resolve the debt. I hang up and call XXXX XXXX, they tell me they dont know who this company is and they did not sell the debt to them. I call back and a lady answers stating that Platinum Holdings owns the debt and I have to pay it again. She gives me a phone number for Platinum Holdings Group. I call the number and the guy tells me he doesn't care if I have paid the debt or if I have proof, XXXX XXXX XXXX are suing me for the debt. I call XXXX XXXX XXXX back and am told that for {$700.00} I will not be sued. The original loan was {$300.00}. They ask how much I can afford to pay right away so I said {$350.00} on XX/XX/19 and another {$350.00} XX/XX/19. I ask the guy, XXXX, how do I know if this is going to be resolved because I paid it last year and now im having to pay again he said he would send me a payment agreement email, they couldn't send via mail. Later that night I read the email and it looks suspicious. So I check the California Secretary of state site to see if XXXX XXXX XXXX is an actual company and it doesnt exist. I XXXX   them and find nothing. I search for the address on the letter and its a virtual address, not real. I call them on XX/XX/19, and ask who the attorneys are that own XXXX XXXX  XXXX. XXXX asks why I am needing this info. I then tell him I need to cancel my payment. He transfers me to " XXXX XXXX '' who threatens me and yells at me and tells me they verified my employment and are going to garnish my wages. 

This company contacted me about this last year using the same tactics. This is harrassment and I will be reporting them to the state attorney general for unauthorized practice of law.
Consumer complaint received 2020-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I went into a Kohls store in XXXX CO on XX/XX/2020. The cashier offered an instore credit card. I refused multiple times. The cashier would only ring the merchandise up at the in store credit card special price until the end and used a bait and switch technique to get me to sign up for the credit card. I did not. And still refused. To which the cashier said in front of the manager that they always tell people bad credit is okay just let them run a credit report on you and you get the discount. I asked if it was a hard or soft inquiry. She refused to answer. I later find out it's a hard inquiry taking points off of people 's credit scores for cards they didnt want to sign up for in the first place. Super predatory.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (LA)

WELLS FARGO is reporting my account # XXXX as a CREDIT CARD on my credit files. This account should be reporting as a LOAN. I just at the beginning of this 0 % 60 month term loan, therefore the balance is still high, due to it's my first year paying on it. This is causing my credit score to drop horribly because by wells fargo reporting it as a credit card instead of a loan, it's showing that I have a high utilization rate. 
Please update this account from reporting as a credit card to reporting as a installment loan. Thank you!
Consumer complaint received 2019-12-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (DC)

I applied for a refinance in XX/XX/XXXX. I was informed there would be a delay and agreed to a closing date of XX/XX/XXXX. 

I complied with all requests for documents. My last communication to XXXX ( loan processor ) was on XX/XX/XXXX. She did not respond. 

On XX/XX/XXXX I called ( after receiving the out of office message on XXXX   voice mail ) PNC Mortgage and inquired about a form. I received an email today XX/XX/XXXX informing me my loan would not close on XX/XX/XXXX. 

At no time was I informed there would be a delay and why am I just being notified on XX/XX/XXXX that my refinance would not happen. 

Furthermore, PNC wont provide the name of the person in which to escalate my complaint. They are informing me to send my complaint to a generic address. 

This delay has cost me time, money and leave as I have contractors scheduled to do work when Im off. I dont know if I can reschedule the leave. 

In addition, PNC should be financially responsible for this delay. I am paying for services rendered and they were not rendered timely.
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (OH)

The information is inaccurate for my credit card accounts, my name and address are incorrect and accounts reporting inaccurate information. 
Name unknown XXXX XXXX Addresses unknown XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX Unknown numbers XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Accounts on reports are reporting inaccurate payment history I would like them to be reviewed I was making payments on time.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I opened an HSBC checking account on XX/XX/2019. On XX/XX/XXXX, I received an email from what I thought was the Fraud Prevention team from HSBC, requesting I call them because they needed more information to process my request to open an account. I called them at the number provided in the email and provided them with my social security number, which they asked for the verify it is me. They also sent a passcode to my cell phone for me to repeat back and confirm it is me. They then requested me to send a copy of my drivers license in order for them to process my account opening. I thought this was odd, so I called HSBC directly and they mentioned their Fraud department never contacted me! The email came from XXXX and contained this content. 

Dear XXXX XXXX This email is in regards to your account with HSBC ending in ( XXXX ). After reviewing your account, it has been determined that additional information/documents are needed in order to process your request. Request you to please give me a call back at XXXX. My work hours are from XXXX XXXX to XXXX XXXX Monday through Friday ( excluding Business holiday ),  Eastern time. 

Thanks & Regards XXXX XXXX XXXX Fraud Officer, Fraud Operations, Financial Crime Risk Operations HSBC Operations, Services and Technology Operations Email : XXXX XXXX
Consumer complaint received 2019-12-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (WA)

I purchased a Mattress around XX/XX/XXXX from Mattress Firm in XXXX WA. I was never told about it being promotional in fact the sales person who sold the mattress said the loan was a two year loan and would be paid off in full after that. She said I could make regular payments. On XX/XX/XXXX I was charged XXXX on annual interest on top of being charged monthly interest for the lifetime of the loan. This loan was though Synchrony Bank. I found out about it being promotional only after months of making a regular payment and found out if I could not pay it off in full I would be charged an annual 29.99 % yearly interest for the balance. I tried working with XXXX and they told me I had to pay off the balance of XXXX in order to not be charged XXXX by XX/XX/XXXX. I dont know what to do, I cant make bigger payments right now and Ive been tricked into a lengthy and never ending loan for. XXXX mattress. I have made every payment on time and never missed. I cant afford to tack on another year. Im exactly back where I started I now owe XXXX. I havent used this loan for anything other than the first purchase for the mattress.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Management Systems Inc. (TX)

I moved out of my student apartments back in XX/XX/XXXX, i had 3 roommates. There were no final charges billed. I was never sent a bill with my move out charges but today XX/XX/XXXX I logged on to the XXXX XXXX to find that they are wrongfully charging me {$1000.00}. I paid all of my months rent and there should be no reason for this overage that is now affecting my credit, and my co-signer XXXX XXXX XXXX credit, resulting in multiple denials.This is false an inaccurate reporting a violation of FCRA!!!