davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As of today, XXXX XXXX, XX/XX/XXXX I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX. My credit reports should be free of inquiries.
Consumer complaint received 2015-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: American Credit Resolution, Incorporated (TX)

I was called by a debt collector yesterday and said if I did not call him he will serve me with a letter of intent .And also he did not say what the name of the company was.So I called back and I say what the debt was for he said XXXX XXXX XXXX and he said I had broke a 2 year contract and the XXXX XXXX been bankrupted and out of business for 4 years.So the phone number he called from was XXXX and so I had told the representative that I can not afford and I am on social security XXXX but, I did had a 1 year contract not 2 and he had the last XXXX digits of my social security number.I had told the representative to set up a payment plan and he wants the money immediately so I had gave him a debit card number I do n't use so he can get off my back.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a notification of a XXXX transfer, it wasnt me doing the transfer, so I call Wells Fargo customer service right away to notify them, then they proceeded on blocking my online access to prevent further transfer. Only to my surprise when I regained access I notice that multiple transfer were approved in the amount of {$3000.00} and checks were ordered and sent to New York. Now the checks are being written though the account has been closed. 
Wells Fargo is blaming me to have authorized these transactions ( I dont even know the people that the money was sent to, they live in NY and I live in XXXX ) and is refusing to give me back my money. I have call multiple times and went to the branch 3 times with no resolution. 
I just want my money back, I m not rich and I work hard for my money, I have kids to take care of. Please help me Thank you XXXX XXXX
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

Applied to XXXX for a no-rewards credit card. Have excellent credit for over XXXX yrs., never been late ever, never missed a payment. XXXX shows my FICO score as XXXX while Equifax shows it as XXXX today, two days ago, XXXX months ago this disparity existed. I check every year all three credit reporting agencies & FICO score but last year I did not pay extra for the FICO except from XXXX. I just did a HELOC refi XXXX months ago & FICO was XXXX ( down then due to from the hard credit pull ). XXXX statement also shows FICO in XXXX usually. Experian shows credit usage low, 19 % debt to income ratio. XXXX used Equifax, which shows a FICO score of XXXX - XXXX points less than Equifax. This disparity in FICO scores is unexplained & I received a higher interest rate for the XXXX credit card due to XXXX using Equifax 's FICO score. I was told by the Equifax rep that mortgage companies use XXXX while credit card companies use Equifax. Why? I think that Equifax is treating my mortgage as a revolving line of credit since what displayed on my screen ( after I had to pay {$19.00} for it ), was " Credit Summary '' line item Mortgage shows " balance '' {$45000.00}, " available credit '' {$150000.00}, " credit limit '' {$190000.00} - this is inaccurate since it is a 15-yr fixed rate mortgage, so there is no available credit or credit limit. I can not think of any other element that would drag down my FICO score so significantly other than this. Equifax CSR told me that its score was not an actual FICO score ; rather, it was a " Risk Score. '' What? When I called back and spoke to someone else, she stated that the XXXX score was indeed a FICO score. There must be an explanation for this enormous disparity and I am chalking it up to underhanded misdealings between credit card issuers and Equifax. Please look into this starting with me. I have screen shots of both XXXX and Equifax 's reports showing my FICO score and will email it to whomever works on my case but do n't wish to post it now.
Consumer complaint received 2015-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (GA)

I finished my XXXX degree in XXXX of XXXX and graduated in XXXX of the same year. unbeknownst to me my loan be came due the in XXXX of XXXX. I began making payment upon notification but appraintly still behind. Which I was able to verify and confirm in XXXX of XXXX. An adjustment was made to my account in XXXX XXXX for a two year agreement to pay the interest only in the about of XXXX. Effective XXXX of XXXX I started paying XXXX ever XXXX weeks. As of today I was advised I had a balance due of XXXX. The representativive advised that program ended in XXXX of XXXX, which and because I was only making a payment of XXXX each month that left me with a deficiency of XXXX each month for the past 6/7 months. The only way they will rectify the situation is to set up an automate withdrawal. I have advised the numerous time that my payment is automately set up through my bank account and that I would perfer them not to have my account information. The representative also advised that they are not able to determine why the interest only ended before the two year term was up. Navient formerly none as XXXX XXXX XXXX
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It started about XXXX years ago, after the birth of our " XXXX '', which needless to say was a surprise. At that time both my wife and i were both employed. 
My wife had her job eliminated, we were in need of financial relief and applied for the Making Your Home Affordable several time and were told we did n't qualify. After several years of financial difficulty we saw something strange happening to the house. 
I discovered I had a Sinkhole under part of my house, and the whole process for that began. 
After exhausting all options and also the financial help from relatives, we were faced with few options. 
Sinkhole under the house and now in debt i was forced into Bankruptcy. 
I retained a Lawyer to guide me through the bankruptcy process, and after several missed mortgage payment I get a call and I magically now qualify for assistance, so i looked into and it was for $ XXXX- {$100.00} relief a month for a limited time. 
That 's it, i was denied all other offers. 
So after that i continued with the Bankruptcy process. 
I was granted the Chapter XXXX due to all the circumstances and moved on with my life. 
I am still in a legal battle with my Insurance company over the Sink hole. 
After about XXXX more years, and now a year after my discharged Chapter XXXX i receive a Notice of Sale on my home, I fully understand the situation and move out prior to the sale date to avoid any issues. 
XXXX days after the sale i receive a letter stating the home sale was stopped by the bank. 
I do n't understand. 
The house they would n't help me with is now abandoned. 
I did everything possible to assist them, created no problems, didnt fight. 
I am now bankrupt, no home, I have a wife and XXXX kids, now living in a small townhouse, not my house that I worked my whole life for, to build and want to raise our kids in. 
I have had to surrender our family dog who was too big to go with us, we gave away the kids horse and now all I want is for it to be put behind me. 
Due to the sink hole, out of fear my wife stopped sleeping on that side of the house, XXXX. Dont ' think that has not created any issues. 
I also was diagnosed with a XXXX which requires a XXXX and XXXX. 
That is Not a XXXX. It just presented itself one day, doctors have no idea. 
Try XXXX ... .... 
My lender Bank of America has done nothing to help, and now they keep the house from auction, I do not want anything to do with the house anymore, but since they did not sell it, I do not feel i should be responsible for it or the XXXX acres it is on. 
I really want this to end it is tearing my family apart. 
I never needed anybody 's help, not family, friends and sure did not need the government to bail me out, but when I really needed assistance I was denied. 
I pay my taxes, I have my own medical insurance, I support my family. 
So for doing all the right things, trying as hard as I could, I have a XXXX, a bankruptcy, soon a foreclosure and no home to count on for my family 's financial future.
Consumer complaint received 2015-04-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Federal Cash Advance, LLC of Oklahoma (PA)

I had applied for a payday loan due to medical expenses I recently occurred This company Cash Max XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX agents name was XXXX supervisors name was XXXX and they stated I was approved for a XXXX installment loan but I needed to verify that I could pay the money back via XXXX XXXX they wanted me to prove that I had XXXX right now I went to XXXX XXXX XXXX times and all XXXX times the transcaction could not be processed should have been my XXXX clue I then purchased a prepaid XXXX money card and loaded the XXXX on it and called them to giove them the number they said I did not have to activate the card and they would process the loan and call me back in 30 minutes to let me know the money was deposited into my account 2 hours went by called XXXX and he said he is still working on it and will call me back red flag went up and I called XXXX the automated system stated that the card had already been activated and when I checked the balance and entered my information it said incorrect info does not match our records so XXXX had activated that card with his information not mine I have tried to callo them back and it either goes to a voicemail or they pick up [ and hang up they probably have caller ID I would like this reported and of course would like my money back but most of to let people out there know not to go with this company cause they are a fraud I work hard for my money and have a family to support but I trusted them and look what I get for trusting I do n't understand how people can be so dishonest and untruthful Please help me in any way you can thank you My info isXXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (WV)

This is a new request to investigate a previous grievance. On XX/XX/year> my account was hacked and a loan for {$10000.00} was taken out in my name. I was then scammed by someone I thought was with the credit union who directed me to transfer the {$10000.00} out to the person who had hacked my account. This was a scam and I have proof of it. The credit union refuses to take this evidence into account and are refusing to write off the loan. 

I have attached evidence that this loan was originated from XXXX, most likely by a pro scam group. 

XXXX XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/year> at approximately XXXX. I went to a XXXX XXXX ATM At XXXX XXXX XXXX, XXXX FL, XXXX to deposit {$350.00} into my savings account. I put the money into the machine and while the ATM was counting it. The machine crashed, rebooted, never deposited the money into my account and basically the bank said that no error occurred even though the ATM clearly malfunctioned. I have read numerous attempts on XXXX saying that this ATM is not properly maintained and I was going to this ATM before to deposit cash before with no issues. The bank is refusing to acknowledge that an error/transaction occurred even though the camera clearly caught me attempting to deposit cash into that same ATM
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

I am writing in response to a collection notice I received from your agency regarding a debt that you claim I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : 1. The original creditor of the debt 2. The amount of the debt 3. The date the debt was incurred 4. Any documents proving that I am responsible for this debt 5. A copy of the original contract or agreement I am also requesting that you cease all collection activities until this debt has been validated. Please send me the requested information within 30 days of receiving this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

There are XXXX collections on my credit report and a number of charge offs. I 'm fully aware of my lack of responsibility when I was younger. I 'd originally consolidated my debt through a company that is no longer in business due to bankruptcy " XXXX '' and I was unaware of their bankruptcy until I was harassed by debt collectors which in every right they did have the right right to do so because I was fully aware of my debts. However, I was trying to be responsible in consolidating all debts and paying back as much as I could. Now let 's fast forward almost seven years later since my initial irresponsible I did manage to pay some of the debt in full and or settled for a specified amount. As it feels great to have this behind me grant I am not proud of what I did in getting into debt I 've learned so much from this mistake that now at my age where I have clarity and know what I want out of life I 've managed to establish responsibility as an adult. However, now that I am taking my credit worthiness seriously I managed to run my own credit report through Experian to determine where I am at credit wise? I 'm very glad I did because within the report I noticed all my old irresponsible debt still haunting me and looking at the age of these accounts I did some research and noticed that creditors or credit collectors should of stopped negatively reporting on these accounts if they were settled. XXXX of my accounts from XXXX XXXX show " Collections '' however, I settled with a credit collector for the same accounts and that creditor shows " Charge-off '' On my XXXX report there is a discrepancy for a XXXX XXXX XXXX account where the account status shows " Open '' but on my transunion report it shows status as " Closed '' which is accurate because the specified amount was paid in full. Now I am not looking for an easy way out of my past its just that I want to move forward with my life and be able to purchase a home some time in the near future and I want to do whatever is necessary to get my concerns with my credit report addressed. I know this is my initial step in the right direction in getting my credit score back up even if its by a few points I want to know what are my options at this point in time? We all make mistakes and I 've learned from them in many ways.
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my XXXX and Equifax credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and Equifax, sent both of those credit reporting agencies copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment was never filed, but that is wrong. The judgment has been satisfied. I need this item removed from my XXXX and Equifax credit reports, as it has been paid and satisfied.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX Ct XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reporting UCC Financing Statement on Debtors Credit Report File No. XXXX Dear XXXX, Equifax, and XXXX, I am writing to report a loan transaction involving XXXX XXXX, which was formalized on XX/XX/XXXX, and filed with the California XXXX of XXXX under XXXX Financing Statement File No. XXXX. I request that this information be included in the credit report of the debtor, XXXX XXXX, for accurate reflection of his obligations. 

Loan Amount and Terms : On XX/XX/XXXX, I provided a loan of {$10000.00} to XXXX XXXX. The borrower is to make XXXX monthly payments of {$3300.00} each, with the first payment due on XX/XX/XXXX, the second on XX/XX/XXXX, and the third and final payment on XX/XX/XXXX. 

Collateral : This loan is secured by the following collateral, as specified in the XXXX XXXX ( Account XXXX : XXXX ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Serial Number : XXXX XXXX. XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Collateral Release : Upon full and timely payment of the loan by XXXX XXXX, the collateral will be released to him as agreed. 

I kindly request that this XXXX filing and loan information be updated in XXXX XXXX 's credit file to ensure the accuracy of his credit obligations. 

Please let me know if any additional documentation or information is required to process this request. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/year> I made a credit card payment in the amount of XXXX against my XXXX credit card. I used the same debit card I have used for previous payments without issue. Today after paying i was immediately locked out of the card and told to call capital one. 

Upon calling I was greeted with a rep from the " fraud prevention '' department who said that I needed to sit on a call with them to have my bank tell them I owned the Debit Card I paid with. I stated that it was the same debit card I always pay with to which the lady says " Well this could be money laundering ''. I then asked her if I complied if my payment would post immediately as it always did before to which she replied yes. Because my area is currently being impacted by XXXX XXXX I went ahead and let her call my bank. 

Of course my bank has to ask me my security questions and verify my identity on their end and now I have someone else listening in with XXXX way to know if my answers are being recorded. 

Effectively Capital One offers customers credit cards with cash back which means that if I need to make a purchase I get a little money back each time. My card has a credit limit of XXXX so I use it for everyday purchases and then make payments to this card to ensure that my credit doesnt take a hit for usage. As a result of making more than one payment the company then identifies me as a possible money launderer. If I dont make my payments or the balance stays too high they report to credit bureaus and it leads to difficulty securing credit in the future.

This is a predatory practice and if they can not utilize tooling to see that the payments are legit than perhaps they should only be allowing one payment per month. At the end of the day the consumer should not be accused of illegalities because the business cant understand its own processes.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"