davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries on my credit report are in violation of 15 usc 1692g and 15 usc 1692c. These items were not initiated by me and I have no knowledge of how they came to be on my credit report. According to the law and us codes provided they are fraudulent and illegal because they can not be verified or validated legally. As the original creditor and consumer, I do not validate these items on my credit report. I have contacted Equifax and they have acknowledged on a recorded call that these items are indeed fraudulent but yet they were not willing to cooperate.
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: InDebted Corporation (TX)

Over the past three years, my personal data has been breached multiple times. This company contacted me regarding an alleged debt. I requested validation of the debt, but never received it. Despite this, the company continues to send emails and make phone calls, which is a violation of Section 1692c of Title 15 of the U.S. Code under the Fair Debt Collection Practices Act ( FDCPA ). According to this section, third-party debt collectors must cease contact with the debtor upon request until proper validation is provided.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am seeking your help regarding the misleading account on my credit report. The harm to my reputation is significant, and I urgently need your intervention. Your handling of this has caused immense damage, and this incorrect data must be removed from my report immediately.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (AZ)

I have a mortgage with PHH mortgage. XX/XX/year> I applied for a loan modification due to my XXXX. During this process, I was told by PHH mortgage that I had to make partial payments in order to qualify. PHH mortgage sent me confirmation that I was approved for the modification. After several months of partial payments, I was qualified and sent a final agreement for loan modification. After reading the modification, I noticed that there was an error on the final document. The underwriters wrote that there was a second person on the mortgage, which they confused for the seller of which I purchased the home from. I asked them to send me the document that they Reviewed that they thought showed a second person on the deed. After reviewing it and having it sent to the local title company that did my mortgage. It appears that the meaning PHH mortgage did not read the document correctly. The document that they sent was stating that the seller, XXXX XXXX is selling me the property and signing over ownership to me. Due to their incompetence, I was not able to sign the modification in the timeframe they provided. I contacted them before the due date. HPHH told me that that theyre underwriters will fix it and send me a new one just keep making the modified payments until then. I kept making my modified payment and just this last week XX/XX/year>. I was told that I was denied for not bringing it in on time. And that now my options are short sale or foreclosure. I am very concerned and stressed after reading the denial letter. I believe that theyre underwriters are incompetent and or they are trying to steal my home to sell it. Ive never missed a mortgage payment before this. I only made the modified payments because they told me thats how would qualify. I have certified documents from the title company that I am the sole owner of the property. I emailed them to the underwriters and they still denied me. Nor did they ever send me a corrected final modification to sign. I believe that they are trying to fraud and lie to from me losing my home. Please help me thank you.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

XXXX XXXX XXXX was in charge of my student loan. It then got transferred to XXXX because they took over for the government on servicing loans. XXXX XXXX XXXX  is reporting that my account is more than XXXX delinquent ( I have NEVER been delinquent ). I spoke to them about this issue and also disputed it with the credit reporting companies in XXXX. It was never fixed. Now I can't get ahold of anyone at XXXX XXXXXXXX XXXX. The line rings busy. Both transunion and equifax refuse to remove it from my report but I had never been late.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MA)

Home Depot Credit Card Serviced by Citibank has made multiple calls to collect a debt that was only a couple days past due. 

There were several calls made at the end of XXXX into XXXX but my phone log had cleared those. However below is the call log from the last 3 days. 

On Thursday XX/XX/2019 the company called 4 times, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

On Friday XXXX XX/XX/2019 the company called 4 times, again leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

On Saturday XXXX XX/XX/2019 the company called 4 times, once after I had already taken care of the payment, leaving a message all 4 times. The call times were XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. I had called and made a payment via the automated system at XXXX XXXX  for {$25.00} which cleared the past due amount. 

The payment was due XX/XX/2019 and a partial payment was received for {$30.00} on the due date. I am aware that my minimum balance due has increased and I was not aware that this company did not automatically charge the higher amount, much like all others, when the payment is set for autopay. I have signed in to change the amount for autopay each month to meet the minimum due.
Consumer complaint received 2019-03-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Direct Recovery Services, LLC (KY)

The Company is Direct Recovery Services and they are calling for my ex husband they had called multiple times and then sent me a text message to my phone that I did not authorize on XX/XX/XXXX telling me to call XXXX. I did call on XX/XX/XXXX at XXXX and the lady when I told her to not call my number anymore was rude and hu on me so I called back to make sure they do not call my phone anymore and the gentleman advised me he would do so. Then I got a phone call that afternoon from XXXX. I called back and the man stated it was a curtosy call to advise me my number had been removed and I shouldn't receive anymore calls. The phone calls did stop for a while and then I received 3 phone calls from XXXX one was on XX/XX/XXXX at XXXX XXXX and 2 calls on XX/XX/XXXX on was at XXXX XXXX and then XXXX XXXX. They left a voice mail on my phone stating it was ugent I get ahold of them as soon as possible. I called back on XX/XX/XXXX at XXXX XXXX and spoke with a lady who informed me my account was removed from the account on XXXX however they are still calling me.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MA)

I have not had a Wells Fargo account since I was a teenager. Regardless of the fact Wells Fargo has falsely open an account in my name 20 years later, they are now negatively impacting my credit score to a point that I can no longer apply for a home loan. I have filed XXXX reports I have called them multiple times over the last several months and they continue to ding my credit score to a point that I can no longer recover it. When attempting to call their customer service line they hang up and say the call volumes are too high call back later. The lack of customer service and attention to a clear error on their side is not only disheartening but frustrating as someone who has had exceptional credit score of their entire life. Wells Fargo opening false accounts is no longer something that Ive only heard in the news they have completely impacted my ability to have a reasonable credit score and failed to pay attention to the gross misdemeanor of this act. Even when attempting to call Wells Fargo in the past I have no idea what my account number is because I never opened an account and the customer service turns out to be rude unhelpful and condescending. I have wasted countless hours on attempting to mitigate this problem and it is now impacting my life and work. The account that was opened last XXXX was not open by me and I can not get access to anyone at Wells Fargo to try to close it let nevertheless mitigate my credit report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (UT)

XX/XX/scrub>XXXX I had opened up an account with Ally Bank. I had a savings account and a checking account I opened the accounts last year in XXXX. They sent me a promotion offer in XXXX to open an Investment account and keep it for 3 months with reoccurring deposits and I would be given {$100.00} for the promo. I opened the investment account and kept it for 3 months and I put {$260.00} of my own money from my Ally savings or checking into it. They did credit me the {$100.00} as promised in the promo. So now there is {$360.00} in there. 

Well today I tried to transfer the money from the investment account that I never invested in anything and is just sitting there ( I opened the account solely for the promo ) into my Ally savings account and it wouldn't let me and said to give them a call. 

I gave them a call and I said I wanted to cancel my account and they first said they would send a code to my phone but then said they couldn't and then wanted me to verify another way even though it was just an internal transfer to my own banking account. They said they would be asking me multiple choice questions of what was publicly available information that they would be asking me. I asked how this would protect my account then if it was public. They took me through a whole series of questions which were not even normal credit type questions about area codes I have never lived in associated with phone numbers and zip codes I have never had and leases I have never had on cars. Also what other last names I have been associated with besides my own and the answer was always none of the above. 

When they were finished they said I didn't pass the multiple choice test and that I couldn't access my money to transfer it to their own bank accounts and that I couldn't close my account either. 

I only wanted to transfer my money to an internal account or close my account if they wouldn't let me and they won't let me do either. 

I also tried to get them to send me a check in the mail through the online option and that too was refused and I was told to call them. 

The will not send me my money, close the account, or transfer it to an existing Ally account which is an internal transfer. 

They refuse to tell me what other ways I can close the account and will not XXXX me access to the money. I have no way to get that money out and they refuse to let me take the money or close the account. 

I want to file a complaint.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Beginning on or about XX/XX/2020, my mortgage was in forbearance strictly due to COVID relief efforts. I called several times to find out how this mortgage would be resolved at the end of forbearance, and I was told I would not accrue interest or negative credit reports, and I would not be penalized for requesting the relief during the pandemic. I was told I would be given options to resolve the forbearance, one which would be a loan modification. 
When the forbearance was granted, my balance was at about XXXX. When I called the institution to start repayment, instead of modifying the loan, the institution applied an approximate additional XXXX to the loan and said it will be due as a balloon payment. That is essentially a 10 % penalty, and the institution would not provide further explanation or show their work as to why I owe an extra XXXX because I required assistance during the pandemic. This is outright abuse and predatory in nature.
Consumer complaint received 2022-03-01
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: WELLS FARGO & COMPANY (MN)

This happened on XX/XX/2022. 

I was at XXXX in XXXX, MN and I was looking to purchase a new bed. The salesman told me I can purchase the bed through a credit check. He told me it was a soft pull on my credit and didn't mention anything about going through a bank to pull my credit. He kept reassuring me it was a soft pull and I told him if it was a hard pull on my credit I did not want to do it. Ive been working on building my credit up the last 2 years to be able to get a house at the end on this year. And again, he said it was a soft pull. Now as a salesman of a business, he obviously has knowledge on all the products in store and has knowledge on doing credit checks for customers. So because he kept telling me it was a soft pull I went ahead for the credit pull. Not even a minute went by and I received XXXX notifications on my phone saying there is a new hard inquiry on my report. Under the FCRA laws, it states that the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. Now how many other customers has he done this to? I would like to take further action on this salesman and the business.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (AL)

Approximately 7 years ago, I was the victim of an XXXX XXXX. My driver 's license, social security card, check books, debit cards, credit cards and many other items were stolen from me. Since then, I have had numerous problems and errors on my credit report. A multitude of accounts have shown up, some removed easily and some still lingering. I also learned that a lady named XXXX XXXX XXXX, that apparently has my same DOB has accounts on my credit report as well. She has a terrible driving record, criminal record and civil records that pull up when I am in question. This has been a series of unfortunate events and a HUGE headache, to say the least. XXXX XXXX XXXX does not and has never lived in Alabama. I have never lived outside of Alabama. However, when I attempt to get different coverage for my vehicles, I have a hard time due to her issues. There are collections accounts on my credit report that belong to her, as well as, apartment rentals in different states that she has defaulted on. I have contacted all 3 credit bureaus and placed freezes, locks and alerts on my report but something always pops up each year I check. Please help me correct this issue.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (OH)

Western Funding is reporting a balance of {$9200.00} on my credit account for a vehicle that they picked up due to mechanical issues to repair. The vehicle was never returned to me fixed and I moved to another state. They have the account listed as a charge off. Ive disputed and disputed several times and they fail to remove it from my account.
Consumer complaint received 2021-07-09
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: Lending Club Corp (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-09
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: DISCOVER BANK (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

We sold our house on XX/XX/2021. LoanCare has sent several mailings about our home loan being paid off, but no information has been sent about refunding our $ XXXX escrow balance. The company 's IVR is horrible and only takes me to a place to leave a message which no one replies. You can not get to an operator and they offer no other ways of contacting them on their webpage. We have had repeated problems with this mortgage company over the last year and run into the same issues of no way to contact them.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

Paypal placed a limitation on my account after linking my bank account and credit cards. They are requiring a photo ID to lift the limitation. I do not feel comfortable sharing my ID with Paypal, so I requested that they close my account. 

They refused to close the account unless I submit a photo ID. So I'm back where I started. 

I'm unable to remove my bank account or credit cards from the account. I'm told that because of the limitation Paypal considers the account closed, however, anyone is able to mistakenly send money to the account. I've attached a screenshot of the activity still allowed.
Consumer complaint received 2021-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA (GA)

I have used the mail and multiple fax requests for Hyundai Motor Finance to transfer a record of my title to my new state of residence and despite following their procedure and several weeks of phone calls they are not doing so. 

I believe they have either lost my title or have some other reason to deny compliance with my request. It is preventing me from registering my car. 

I have called nearly twice per week for a month and been unable to resolve this.
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/22 I was a victim of fraud to a impersonator of Wells Fargo. The person acted as an employee and called me with all of my information complaining they were from the fraud department. The phone numbers and all of the questions matched up and the impersonator got into my account and wired money to theirselves. My bank Wells Fargo refused to refund my money and said they were not liable for any wire fraud what so ever.