davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XXXX  it show 2 XXXX XXXX loans both different amounts and open at different time. I never received documents of amount owed once account was closed. All 3 credit bureau show different closed dates and information. Student loans closed paid in full on XXXX  and XXXX  but shows open with balances owed. All student loans are satisfied. Different amounts past due on credit card balances and different dates. XXXX has duplicate reports of same accounts. This has lowered my score drastically with improper reporting and duplicating accounts as well as incorrect reporting. I've disputed items with the credit bureaus with no resolution.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

XXXX, XXXX, AND EQUIFAX ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST XXXX, XXXX, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.
Consumer complaint received 2024-11-22
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc. (WA)

I opened a credit builder loan with moneylion. Closed it out and was told I would receive my funds in XXXX business days. XXXX days later I still have gotten no money. Just emails telling me to wait more. The account is already off my credit report and they have been trying to take the membership fee out of the account after I canceled the credit loan. I also requested to close my checking account and was met with refusal to do so. I feel like I've been scammed and I lost money that I need.
Consumer complaint received 2024-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

My loan started on XX/XX/2024 and ended on XX/XX/XXXX of XXXX  due to my car being totaled. I signed a release on XX/XX/2024 with the insurance company to release the check to credit acceptance.I asked credit acceptance to send me a copy of my gap refund an my extended warranty refund.But they claim I don't have a refund.I only borrowed XXXX on my car an with the add on for extended warranty XXXX an XXXX for gap XXXX title an XXXX doc bring the total of XXXX of them XXXX I asked for the brake down on how they came up with the figure subtracting the gap an the warranty but never sent me anything, an they reported on my credit report that I was XXXX  days late on the loan an shows it was closed instead of say satisfied, so it show a delinquent on my report.I should have been given a brake down, insurance paid them off an I didn't even have to use the gap.
Consumer complaint received 2020-05-02
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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

My complaint is about Iberia Bank card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 

Iberiabank Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2020-05-02
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: EQUIFAX, INC. (MO)

My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) Dept of ED/XXXX {$6000.00} 5 ) Dept of ED/ XXXX {$3500.00} 6 ) XXXX {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX XXXX XXXX {$470.00}
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank ( Gap credit card ) had a fraud charges as well as items that was purchased that I NEVER received and they still charged me the amounts and interest.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Name : XXXX XXXX XXXX Consumer ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX, State, Zip code : XXXX XXXX, TX XXXX XXXX To Whom This May Concern, I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my ChexSystems consumer report immediately. Inquiries : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

On XX/XX/year> We checked in XXXX XXXX XXXX XXXX.They charged us {$200.00} for our service dog.They didn't let us change the room after we're been told current policy fee was on every animal the room we are right now. Disputed by citi but failed.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I have a primary and secondary mortgage with Wells Fargo Home Mortgage and Wells Fargo Bank, N.A. I submitted my payment by mail to Well Fargo Home Mortgage on XXXX XXXX, and It didn't get process, until XXXX XXXX. It indicated on my mortgage statement that I would have been late, if not for the corona virus pandemic. I contacted Wells Fargo Home Mortgage on XXXX XXXX, and ask them to explain to me why it took 12 days, in order, to get my mortgage payment process, and their respond was that it was the XXXX XXXX XXXX XXXX that was at fault for not giving them the information that is coded on my return statement that is included in the window of the shipping information that indicate where the letter is going. They say that the XXXX XXXX normally give them the information, before the letter is delivery to California. This is the information Wells Fargo Home Mortgage 's Executive relayed to me by phone and it doesn't make sense. If it only take the XXXX XXXX XXXX to four days to delivery a mortgage payment by mail to Well Fargo Home mortgage, and if they can give them the code that indicate on the shipment of the letter my code, then why does it take twelve days for them to process my payment. I had this problem with Wells Fargo Home mortgage last year, and they charge me with a late fee. The only reason why I didn't get charge this time is because of the corona virus. Something MUST be done to fix this problem. I think that Wells Fargo Home Mortgage is trying to find a way to make more money off of me, as, a consumer by blaming someone, else for the issue, and then charging me an additional FEE!!!
Consumer complaint received 2020-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I have reported this same reoccurring issue of my transcations being declined on multiple occasions in which Citi bank has responded with several inaccurate excuses as to why each and Everytime my transactions have been declined. Citi bank has failed on several occasions to make any attempts to resolve this reoccuring matter. Today once again XXXX XX/XX/2020 Citi bank intentionally stopped my transaction. This reoccuring issue has caused me a great deal of stress along with financial issues. I'm asking that my account is investigated and Citi bank doesn't not stop or attempt to stop any of my transactions in the future. Funds will be fully available in my account and Citibank will deny me access to my funds along with stopping any transcations. I have also reported another time an issue happened similar to this one to the CFPB on XXXX XX/XX/2020 which is when Citibank declined another one of my transactions and purposesly freezed my card from being able to remove my funds for days. So once again I'm requesting that this complaint is taken seriously enough to be properly investigated.
Consumer complaint received 2024-12-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (CO)

Zion Debt Holdings claims to have purchased a debt from XXXX XXXX XXXX which I do not owe. 
I contracted with XXXX for security monitoring services for my business location in XX/XX/XXXX and continued this subscription service until my lease was terminated in XX/XX/XXXX. All terms, conditions and payments were made to XXXX, consistent with the security monitoring agreement. XXXX was notified of the business closure, and all monitoring service equipment physically removed with the business lease termination and closure in XX/XX/XXXX. 
Zion Debt Holdings began contacting me in XXXX claiming that I now owe them for a XXXX debt that they purchased and Zion 's fees. I have notified Zion on numerous occasions of their error. Zion made fraudulent debt collection statements to XXXX credit reporting service which I challenged and had removed. Zion continues to make harassing phone calls and threating text messages to this day
Consumer complaint received 2024-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OK)

In the second week of XX/XX/year> my citi credit card and debit card were cloned in XXXX  XXXX ok. I believe at XXXX XXXX. 
Citibank returned the credit card money ( I have attached a snapshot of this return ) total was aroun XXXX Citi returned the XXXX XXXX  on the debit card 3 times and then took the money back 3 times also. This is around XXXX in ATM with drawls and the rest were at XXXX and XXXX. ( I have attached documents and correspondence with Citibank over this issue. 

I have attached a letter from Citibank where they say that it looks like fraudulent active also. 
No one from the fraud department at Citibank talked to me at anytime during all of this. 

Citibank did close this checking acoount and open me a new as they said it had been compromised, I am XXXX and on a fix income and this is a lot of money to lose. 

I have been told verbally that the return was denied because of shopping patterns, there are only so many places to shop in XXXX  XXXX ok. 

One more thing some one who said they were from XXXX XXXX  got in my phone and transferred out XXXX XXXX  also. 

I had a run of bad luck in XXXX.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WV)

Four weeks ago, I filed for forbearance under the CARES act. I was told I would hear back from the servicer in 3-4 days. Yesterday I received a letter in the mail. It included the offer of forbearance and a contact name and extension ( required by law - single point of contact ). The offer is not in compliance with the law or recent guidance provided by FHFA / XXXX XXXX XXXX XXXX XXXX  statements about forbearance under the CARES act. I called the number on the paper to speak with the designated representative. There is no way within the automated system to input the extension provided. It took me over an hour of fighting the automated system to get a live person. The person who answered told me there was no way within there system to transfer me to the designated person provided on my forms. I expressed my concern that the offer did not match the law and was told that was all they could do. XXXX ( Rep XXXX ) then proceeds to tell me first they can only do what the bank tells them. Then second I could call the bank or XXXX XXXX. I expressed my concern that they were the servicer and had the responsibility to comply with the law. She tells me first she could only do what the bank tells them and then says shes just a little ole loan counselor and she could only do what they tell her. 

First, Loan Care is not complying with federal laws on servicing. There is no way to reach the designated point of contact provided in the offer. The servicer is not complying with the CFPB requirements of single point of contact. The system is setup to avoid human contact and force all customers into a automated system with no way to contact actual employees. 

Second, the offer of forbearance does not comply with the CARES act and is directly contradictory to direct statements from XXXX XXXX and XXXX XXXX recently made. The offer was for 90 days and requires full payment at end of term. 

Third, Loan Care tried to say they could only do what the bank allowed them to do as they were just the servicer. This loan was originated by a community bank many years ago and sold to XXXX XXXX. The bank that originated this loan was top quality servicer. Federal laws resulted in this loan being moved to loan care which is a disgrace. 

The service is terrible, the servicer just blames XXXX XXXX and the originating bank. It is clear from XXXX XXXX letter and the CFPB blog, It is the services responsibility to comply with the law yet Loan Care has not intent of doing so.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

Refinance from Flagstar bank through XXXX  XXXX. XXXX XXXX and XXXX XXXX told us that we had refund coming back in amount of {$1300.00} and some. All we received from them was around like {$190.00} Our understanding was this was for interest credit they refused to pay us our money back. say something and was back from XXXX or XXXX we dont understand what it is and we feel that we have been missed informed we just did our closing agreement that we will get {$1300.00} and some back and we dont understand or agree that we deserve the customer service that we received. All of this is from our escrow account
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (AL)

Westlake Financial has been reporting the debt as a charge-off consistently since XX/XX/year>. This is a violation of the FCRA as you can not continuously report charge-offs. I contacted the company and requested to correction/deletion of the account, and they responded this morning indicating their reports are accurate, despite the inaccuracies on my credit report. The company has failed to see the violations nor has contacted me in any other forms to correct the reporting on my credit report, therefore I am requesting the deletion of this account. It was written off as a charge-off, however, I have not received any information including a 1099 form for taxes or any other forms for handling this correctly. This is a violation of the FCRA section 623 ( a ) ( 2 ) and other connection sections.
Consumer complaint received 2020-05-02
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: WELLS FARGO & COMPANY (FL)

My complaint is regarding WF CRD SVC, Institution Information WF CRD SVC XXXX XXXX, IA XXXX They placed an unathorized inquiry on my credit on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. 

Personal statement ( s ) XXXX  & XXXX-19 XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX-19.
Consumer complaint received 2020-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

There is a Procollect Inc debt of {$10000.00} reporting on my credit since XX/XX/2017, my identity was stolen. I do not owe this debt. It does not belong to me. I am requesting this inaccurate debt be blocked form my XXXX  credit file. I am requesting an original contract and sworn statement of this alledged debt.
Consumer complaint received 2020-07-08
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. (NJ)

I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with XXXX XXXX for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to XXXX, XXXX  and Equifax ; with no resolution. 
I am attaching a copy of my auto lease that I signed with XXXX XXXX along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.
Consumer complaint received 2020-05-02
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. (FL)

Hello, I have spent this year focused on improving my credit score and fixing my finances. I paid off all my debts owed and have been focused on being a responsible consumer. This hard work is met with a lot of frustration as I feel I do my part but a company like equifax doesn't have to do theres. I paid off two derogatory remarks that were showing on my XXXX  report and one showing up on equifax. I paid this debt off probably 4 months ago that is still showing up on my equifax report. The transunion report is showing them removed and my credit score is increasing. But equifax doesnt seem to care to update this info and I have been attempting to increase my credit accounts to again increase my score. But I apply for new cards and the equifax report is still showing that debt and is preventing me from moving on. I have been furious over this as equifax doesn't seem to care when I reach out to them and doesn't even respond back. I email XXXX XXXX  as well and nothing. I asked XXXX XXXX  and they just send me a generic link about credit scores. I need help, I did my part and paid the debts now I need equifax to do there's and promptly remove the debt and actually update my score. I feel controlled by these big compoanies and feel like its not right for me to do my part but equifax not have to hold up there end by updating this information.
Consumer complaint received 2019-10-25
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/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**** and XXXX XXXX****