davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (OR)

Closed RV loan with new buyer from out of state XX/XX/XXXX. Oregon Title was to be sent to me, sign title, and forward on to new owner in XXXX WA. I called US Bank ~12 days ago ( XX/XX/XXXX ) asking why I had not received title. Customer support person " XXXX '' took my call. He indicated title had never been sent and it would be sent ASAP. I asked for email or phone verification when title is sent. He indicated yes he would do that. I recalled yesterday ( XX/XX/XXXX ) asking AGAIN where title was and why I had not received it. Customer agent " XXXX '' took my call. After lengthy wait on phone, she indicated release of lien could be faxed or snail mailed to me. I asked where is the title? She indicated they did not have DIRECT contact with US Banks title division. I asked to speak to manager. They assigned " XXXX XXXX '' to my case. I asked him if he could call the Title division. He said No they can not call them directly. He indicated he would EMAIL them and ask why I have not received title and if it could be expedited. If it has been lost, he indicated release of lien could be sent to me. I asked if it could be done overnight and he said NO. I has since called XXXX XXXX today XXXX XX/XX/XXXX XXXX and left vm for him. I have now waited more than two months for the title for this rv. The new owner has contacted me asking where the title is and why he has not received the signed over copy from me. I do not have an answer for him. He is unable to register the vehicle in WA without title or release of lien.
Consumer complaint received 2018-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We were working with XXXX XXXX XXXX on a car loan that we fell behind on. It was no more than 60 days behind and we were working with our account manager to make up the payments and make sure it did not get repossessed. We had a series of payments setup so that we can make the current payment plus the past due payment.

Well days before the next payment was scheduled to be taken out, which was scheduled by XXXX themselves, the vehicle got repossessed. 

We then went in to the bank the next day to pay the past due amount plus all the towing, vehicle storage, and bank fees that were accumulated due to XXXX not keeping their word. 

This should have never happened as we setup an agreement with the bank to ensure this situation would not happen. 

We have attempted to verify this in writing through the credit bureaus, but they have not provided us with any sort of breach of contract that would have resulted in a repossession ; and they are reporting it incorrectly.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

On XX/XX/2020 Citibank closed my checking account without notice. They informed me that it would take 30-60 days to close my account and before they could remit payment to me for the funds remaining in my bank accounts. This created a SEVERE financial hardship on my family, as this was 100 % of the money that I had to my name, literally leaving me with not even {$1.00} in cash for my family to survive. We have been getting food from food pantries, living with relatives, and are entirely dependent on others for our well being and necessities of life ; my children have even went without medical care due to my inability to pay the co-pay for doctors visits. However, we have survived the very long 60 day time period. The full 60 day time period was up on XX/XX/2020. However, Citibank has NOT returned my money to me yet and I have left several phone messages with their Executive Response Unit, as well as emailed them and they have provided me with no response whatsoever as to the status of payment for the funds remaining in my account. I can not get them to return my phone calls or emails ; I have struggled and waited the 60 days that they stipulated in their response to my initial complaint ( case # XXXX ), I have reached out asking for a status update on the check they are to issue me as payment for the funds remaining in my accounts ( in excess of {$13000.00} ), yet I still get NOTHING from Citibank - no return call, no reply email, and certainly NOT ANY of MY MONEY!!! Its extremely frustrating that I have done everything stipulated and STILL can not get the money that is rightfully mine and desperately needed to provide for my family. Given their refusal to return my money and lack or any response to me whatsoever, it feels very much as if Citibank has stolen my money and wont even have the decency to speak to me about it, when my family has SUFFERED massively due to their poor decision to close my accounts and then keep the funds I had in those accounts. It is without a doubt the most horrible customer service I have ever received in my life, with little or no respect given to the troubles and trials my family has had to endure because of their poor decisions. It absolutely disgusts me that I am having to file yet another complaint just to get my own money returned to me or that I am forced to Beg for my own money to be returned.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (CA)

Contacted XXXX, since I am not able to get my credit report with them.

Initially they said they need proof of my identity so they request a fax with my drivers license and social security card. I did several times and received response they weren't able to verify my identity. 
Called again XXXX  and they confirmed they received the copy of my social security card, driver license and request of credit report but they just don't have a credit report for me. 

They said they created a report but the credit file is just empty, no accounts is been transmitted from my lenders. They asked me to contact my lenders to verify they are doing they job reporting the credit accounts. 

I contacted my lenders, Citibank ( 2 accounts ), XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX  and all lenders said the same : they are reporting to all major credit bureaus. 

Had to call XXXX  one more time and they required one more time to contact my lenders. The problem is that everytime I contact XXXX  they don't get anything done and change the situation, at the beginig they said it was a fraud alert, later they said it was a issue with my lenders and now they said is a problem from the XXXX  Buisness department??.
Consumer complaint received 2021-06-10
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. (GA)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2020-09-16
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. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-21
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. (GA)

Equifax has not removed the fraudulent inquiries on my credit report there are 21 inquiries on my report I have filed numerous complaints I want these removed before I file a FTC identity theft report against Equifax, and Equifax has exposed my information in a data breach and their failing or correct there misuse of my information, these inquiries are fraud and I and them removed, my information was used illegally and want this resolved and these inquiries removed, please remove also a days XXXX from report I do not work for days XXXX, but these inquiries are fraud and Im disputing these inquiries as fraud I did not check my credit .Equifax damaged my credit by exposing my information in the data breach they had, so please have Equifax correct this or Im filing like I said a FTC identity theft report against Equifax
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

I applied for mortgage deferment during COVID in XXXX. My deferment was approved and I was provided both the written and verbal communication that I will be allowed to modify my load and defer these 3 months payment to the end of the mortgage. I resumed my payment in XXXX. 

My account continues to show not current and that I owed the 3 months of balance. I had tried to resolve this with Wells Fargo and they had provided written confirmation on on XX/XX/XXXX and XX/XX/XXXX that the deferment has been approved and the balance will be tagged toward the end of the mortgage terms. 

My account continues to show that I have a 3 months balance and not current and I am not able to even pay my monthly mortgage online. I had escalated this to Wells Fargo executive team and have been working with XXXX XXXX, XXXX XXXX. 

I spoke with XXXX on XX/XX/20, XX/XX/20, XX/XX/20 to discuss the letter and why. my account is still not showing current and I can not make mortgage account online using my joint Wells Fargo Checking account. He told me that it must have ben a technical glitch and to wait till close to end of XXXX and early XXXX to see whether they have been updated. I called again on XX/XX/20 to discuss this issue and again left a voicemail on XX/XX/20 to request a call back to resolve this issue by end of business XX/XX/20 and till this date, I have not received any response from Wells Fargo and my account is still showing with a 3 additional months balance and I am still not able to make online payment. 

Wells Fargo continues to make mortgage payment difficult which poses hardship to home owners especially during the COVID pandemic.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tesla, Inc. (VA)

To Whom It May Concern, I signed up for PPA Lease ( Agreement ) with SolarCity, such agreement was never reported on my credit report until this year. SolarCity was acquired by Tesla. However, this agreement now reflects a " loan ''. No where on my agreement with Telsa agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act. 

Regards, XXXX
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I want to remove A fraud alert. I was told it was remove weeks ago and it was gone for A couple days and then placed back on without my permission. 

equifax is causing me damages for not being able to access my credit. 

ive submited 3 forms of identiy ssn card driver license passport
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (VA)

XXXX XXXX & Hunter Warfield told us nothing of alleged damages when we moved out. Then, when we found the debts on our credit reports we disputed them. We received no notice, no invoice, nothing. XXXX XXXX ( Hunter - warfield ) ILLEGALLY verified the debt as valid through the credit agencies despite multiple challenges. Providing only an unitemized invoice that we never received as verification to the credit bureaus. 
We have notified both XXXX XXXX and hunter warfield. We have challenged the debts. they remain on our credit reports due to the companies illegally claiming the debts were valid
Consumer complaint received 2020-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

In XXXX, I sent a letter to PDQ Services collecting on a bogus debt that they I say I owned to apt complex by then name of XXXX XXXX. I asked PDQ and XXXX to validate the debt and they have failed to properly do so. I have also sent a compliant to the XXXX  regarding XXXX XXXX XXXX in XXXX, GA and their bogus and predatory practices that violates citizen 's renters rights. I have also asked for where I have agreed to their claims and the paperwork clearly shows NO signature from me agreeing to the move out terms or claims. The document they sent me is a statement of deposit summary and has a charge listed, which that is also not proper proof of debt owed to you or XXXX XXXX XXXX. PDQ agency has not complied with the FDCPA and are now in violation of the act. They need to immediately remove the collection listing from my credit report or I will file lawsuit because you are in violation of the FDCPA, section 809 ( b ).
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

In a XX/XX/XXXX letter from CMG Financial, I received acknowledgement that my mortgage loan had been paid in full, and that any funds in excess of the payoff amount would be processed and returned in accordance with applicable state and federal laws. 

They claim that a letter with my refund is " in the mail '', and was allegedly sent on XX/XX/XXXX. It is now XXXX  XXXX, 35 days later after the loan payoff, and I have not been reimbursed for approximately {$9000.00} which owed to me. Furthermore, they told me that if I do not receive it by XX/XX/XXXX, to call back ( that would be about 62 days ). Is  that within federal laws, and should I be allowed interest on the {$9000.00} as they would charge me if I were late in my mortgage payments? 

Their service is the worst, and they want you to reregister on their new website because they don't want to talk to you on the phone and actually say so on their reception recording. Their new website did not allow me to register allegedly because my loan has been paid off and therefore, I am not allowed to get any info on my loan. Really???
Consumer complaint received 2020-04-04
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. (VA)

Since XX/XX/XXXX XXXX XXXX XXXX  ( Mortgage owned by XXXX XXXX XXXX  ) stopped reporting the status of my payments, which were made on time. By failing to report the status of my recent payments, it lowers my credit score preventing me from re-financing. I have filed complaints with both XXXX, and then the credit bureaus. XXXX  closed the complaint without changing the status of payments since XX/XX/XXXX. The payments should be reported as on time, since XXXX failed to report the status to XXXX. In XX/XX/XXXX, XXXX  XXXX XXXX stopped using XXXX XXXX   XXXX  to manage mortgages, and it is now with XXXX XXXX. I would like XXXX  to change the status of the payments from XX/XX/XXXX to XX/XX/XXXX as on time or current instead of " not reported ''.
Consumer complaint received 2020-04-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$3100.00} -This is not my account.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

XXXX  and XXXX  are reporting Delinquent, in collections, late, and Derogatory statements on my credit bureau report. I have called the Department of education several times and have been told that they have provided the credit bureaus information to remove this wrong information since XXXX. My student loans are not in default or late. On XXXX XXXX I spoke to XXXX a supervisor at Department of education and was told they are not reporting anything negative to the credit bureaus. On XX/XX/XXXX I called Nel-net spoke to supervisor XXXX and explained to her that I also needed them to send me an letter stating I am not in default, and they are no longer servicing my loans. I was told that the letter would be emailed to me, she verified my email address, and of XXXX XXXX I still have nothing from Nelnet. I was told by Nel-net that they have not reporting anything to the credit bureau since XX/XX/XXXX. I am attaching the letter that I received from the Department of education
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX