davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
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. (MA)

Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paperwork then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX  veteran with a XXXX XXXX XXXX XXXX  rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX  awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc. (FL)

I entered my vehicle info and last 4 of my social into XXXX and they somehow obtained and then shared my entire social security, my contact and all my personal information with more than 5 third party companies. All of these 3rd parties then conducted a hard pull of my credit without my expressed and written permission. I've spoken to XXXX XXXX in advance and requested that these hard pulls be immediately removed from my credit and they have refused. After speaking with management, they claim that by providing the last 4 of my social I gave them permission to pull my credit but I did not. 

Somehow they were able to go through another 3rd party and obtain my personal information, somehow including my entire social security number and share it with multiple other companies who have been relentlessly calling and emailing me all with in an hour and hard pulling my credit. I did not sign any paperwork giving anyone permission to pull my credit from XXXX XXXX or any of their partners.
Consumer complaint received 2018-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

On or about XX/XX/18 I wanted to place a limit order for a trade on Coinbase. I was instructed by Coinbase that I needed to go thru XXXX. I did that and opened an account at XXXX. Since then my Coinbase account has been restricted pending review of my application at XXXX. These people have no clue what they doing. I am locked out of an account in which I have trading assets. the value of trades I have been prevented to make exceeds {$10000.00}.
Consumer complaint received 2018-04-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (IL)

went truck shopping for a certain truck which was a XXXX XXXX XXXX or higher. found car stars on XXXX of a XXXX XXXX XXXX XXXX XXXX fully loaded sunroof navi the works in stock forsale at this lot., i called i spoke with XXXX , invited me in too view the XXXX XXXX. i have all documents for proof also. im not a car expert i have very little knowledge about cars/trucks. The truck had no sunroof as described in ad. but that was ok. i purchased the vehicle as an XXXX model which is the middle class of the XXXX. i thought i got a good deal until i went too XXXX dealer for an oil change they made me aware of the true model of the truck which was the lowest model of the XXXX for that year, the dealer charged me for the XXXX version when i had the XXXX version cheapest model. XXXX i paid for down payment. contacted the dealership and made them, aware of the findings they told me i was wrong and that my information was wrong and that it was an XXXX model. it was not, i sent over paperwork stating what the truck was and how can we work this out. dealer didnt want too make new terms for vehicle at correct pricing, so i returned the truck a few days later.. i was told no one gets too ride for free after bringing a vehicle back too cancel deal so i was charged a rental fee and damage to the left side driver rear view window that had a scuff on it from sitting on the lot for several months. dealer on refunded me XXXX out of XXXX for rental fees and a mirror that was already scuffed up when i purchased. i was charge more taxes then usual missing paperwork, miles were submitted wrong to finance company to recieve more monies for the truck and it was not even the correct truck trim that was submitted, if it were the would have not loan that amount. its alot of fraud being done at this car dealer.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CO)

I signed up for Identity Theft Protection with my bank, Wells Fargo, in XX/XX/XXXX. I was told I would be charged an annual fee of {$12.00} for Quarterly credit reports. 
Just recently I had a XXXX balance when this charge for XXXX came through from XXXX, listed as XXXX with a string of information. I had never noticed this payment before. I called Wells Fargo ( WF ) and asked what that was, they said XXXX had been charging me monthly for the last 5 months. I requested a stop-payment and my money back, looked up the company and learned there was a class action lawsuit for this company doing the exact same thing to many, many people. WF opened a case. WF later called me back and said that I had in fact been charged monthly since XX/XX/XXXX. I was charged twice in that first month. I was willing to pay the annual fee, and wanted to dispute the remaining 11 per year x 7 plus 1 for the first month, and two for XX/XX/XXXX. So, XXXX x 80 payments. I called WF to ask for a status update and they said they had refunded me {$50.00}, but that the case was still open as these things can take up to 18 months to close. I then received a letter telling me to consider the case closed, and to pay closer attention to my statements. Please help!
Consumer complaint received 2018-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

I contacted Wells Fargo ( WF ) Home Mortgage in the XX/XX/XXXX to discuss my options to drop my PMI because I had made structural improvements to the home. I originally put down 10 % so I have to get below 80 % LTV to get the PMI cancelled. This done by ordering an appraisal through WF by a third party company, XXXX XXXX, to avoid any conflict of interest. WF incorrectly informed me that I had to wait two full years before ordering the appraisal which would be XX/XX/XXXX. I had a feeling that this was wrong so I called back again in XX/XX/XXXX and was told that there is no waiting period so I told them that I would like to order the appraisal. I told them about my experience and they agreed that I was given the wrong information so they agreed to pay for the appraisal cost ( {$550.00} ). The instructions to drop PMI through increased home value said that I was required to provide proof of structural improvements to appraisal company, which I did. We made structural improvements to the kitchen, bathrooms, fireplace, and patio. To get my loan below the 80 % LTV, the appraisal needed to be just under {$380000.00}. The appraisal was submitted to WF on XX/XX/XXXX at {$450000.00} which brought my LTV to 69 %. Wells Fargo informed me at the beginning of XX/XX/XXXX that they will no longer reimburse me for the appraisal and that they are not removing PMI because the appraisal company did not provide proof of structural improvement costs.
Consumer complaint received 2018-04-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (AL)

Rise credit s based in XXXX XXXX Texas, They did not reveal the apr @ the time of the paper work plus they are charging av rate of 125 % apr and XXXX a day percent on a loan I did not know that at the time of the loan they are charging my account over a 1000.00 a month with nothing going toward the principle of the loan. I am a XXXX XXXX XXXX XXXX  vet and have a lot of medical issues. now they want to send me to collections isn't this predatory lending
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX my Wells Fargo checking account had a {$200.00} withdrawal made from a non Wells Fargo atm. It was made from a XXXX store in XXXX Colorado I have never been too before. I called Wells Fargo and explained my card ( which had never left my possession ) had been compromised either by an ATM or Gas Station Skimmer. I cancelled that card and they sent me a new one. 

Wells Fargo initially credited me back the {$200.00} while they investigate. Then, on XX/XX/XXXX they took the {$200.00} back out of my account without telling me in advance. I didnt find out they had done this until I received an insufficiant funds email. I called them and they said their investigation led them to believe I had made the withdraw myself. I then asked for details of how they came to this conclusion and they refused to reveal that information. 

I didnt withdrawal that money. I replaced the card it happened on the minute I found out it was compromised and worked the proper channels through Wells Fargo to remedy this. They refuse to disclose why or how they came to the conclusion I am somehow trying to lie to them about this when I am not.
Consumer complaint received 2018-04-04
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: PNC Bank N.A. (PA)

In XX/XX/XXXX, I hired a contractor to do some work on a property that I owned. This contractor gave me a quote for almost {$12000.00} to do a variety of things. We paid him half, or {$6000.00}. The contractor, over the proceeding months, did no work, stalled a dozen times, had us pay additionally for materials under the guise of starting the work, and we finally fired him in XX/XX/XXXX. We hired another contractor for what money we had left for the project in XX/XX/XXXX to complete the most urgent repairs. We then disputed the {$6000.00} for services NOT rendered with PNC, and at this point, the most urgent repairs are already completed, which PNC does not seem to understand. 

Over the last few months, we have given PNC everything that they have asked for to get the {$6000.00} back, only to be told a different thing by a different person every time that I call. Earlier in this debacle, we were given an incorrect case # and documents were faxed to the wrong number, and the case was closed. The last time that I spoke to the woman who was in charge of our dispute, she said I needed a statement by the contractor stating what he did, and the condition of the house when he did the work. I provided this, only to get a denial letter two weeks later. I had called to inquire about the dispute, only to be told that they needed some completely different document to be signed by the contractor, which was not told to me before. I have called there more time than I can count. I have been told so many different things I don't know how else to resolve this. I sent them emails where the contractor admitted to not doing any work, text messages, receipts, statements, estimates, - every piece of well-documented proof that shows this man took our money and did NOTHING. 

PNC refuses to give accurate information so we can provide the myriad of documents that they are requesting. I think the heart of the issue lies in that they believe we are disputing work that we paid for that had to be redone ; the issue is we paid for work, and NOTHING was done. PNC needs to give us accurate information and resolve this dispute. We do not owe the {$6000.00} that we paid, as the contractor broke his contract and did nothing. We have given PNC all the documentation to support this, including the contractor, XXXX XXXX, admitting that he did nothing, admitted that he owed us, and was asking if we are going to sue him. 
This needs to be resolved now. 

Dispute # XXXX
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

XX/XX/XXXX I requested a new Credit Card " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in XX/XX/XXXX. One of the benefits I valued was Trip Cancellation/Interruption insurance up to $ XXXX.per event, {$10000.00} per year. In addition, all purchases accumulated XXXX points for every dollar spent. ( XXXX ) I have used the card extensively, payments were automatically deducted from my bank account ( auto-pay ) and my credit score has been around 800. 

On XX/XX/XXXX, I contacted the bank and, given my good standing, asked for a waiver of the {$89.00} annual fee. The gentleman instead offered a NO FEE card, especially since almost all my charges were for travel and dining expenses. He stated explicitly that this card would fit since the only difference from the previous card was that, " XXXX points would be given for Travel and Dining expenses '' en " XXXX point for all other expenses. ALL OTHER BENEFITS WILL REMAIN THE SAME ''. I heard him say that more than once. 

We agreed to proceed. I could continue to use my other card until the new card arrived and was activated. 

On XX/XX/XXXX, I received the new card in the mail. ( XXXX ). The name was changed to " Arrival ''. The card had a sticker asking to " Activate your card now at .... '' I did not activate the card but first verified the insert and benefits. THE BENEFITS WERE DIFFERENT. The travel protection was reduced to {$1500.00}! 

I contacted the bank immediately and today informed me and they have already switched me to the new card program and are unwilling to allow me to go back to my prior card and benefits. They claim that procedure was followed. I vehemently contest that statement. Is it proper procedure to misrepresent the benefits? 


Here are the reasons for my complaint : : 1. The agent did NOT disclose that the benefits for travel insurance would be reduced. To the contrary, he said that all benefits would remain the same. 

2. When the card arrived, it had to be activated to become valid, which I did not do. 

3. It was my understanding that the new card would become active AFTER I had activated it and that at that point the previous card could be destroyed. He did not say that I would be switched IMMEDIATELY that day of XX/XX/XXXX to the new account. Moreover, how can anyone agree to misrepresented verbal information which turns out to be materially different from the written information received in th mail. How could, it be that a consumer has no recourse after seeing information that was different than what was promised? One has usually a few days to decide AFTER the pertinent information has been provided. 

This is the second time in a year that I have to file a complaint for misrepresentation of facts by Barclays.
Consumer complaint received 2018-03-31
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. (LA)

I have an account reporting on my credit report with your credit bureau as of XX/XX/2018. This account from XXXX XXXX XXXX also as XXXX XXXX was reported incorrectly to the credit bureau, due to this account was paid in full on XX/XX/2018. I paid XXXX XXXX {$700.00} by debit card thru the web site XXXX regarding my account number : XXXX. When I received the alert that XXXX XXXX was reporting on my credit report as collection, I called XXXX immediately and spoke to collections district manager XXXX XXXX at XXXX to inform her of the incorrect reporting that is being report on my credit report fromXXXX XXXX XXXX also as XXXX XXXX. XXXX XXXX informed me no problem we can get this fixed and deleted off your report. XXXX informed me she would send a letter stating the account was paid in full on XX/XX/2018 and the account has been approved to be deleted off my credit report due to incorrect reporting. **PLEASE SEE LETTER FROM XXXX XXXX XXXX **
Consumer complaint received 2018-04-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage Has a Correction Agreement Limited Power Of Attorney that is not legally stamp nor sign by a Notary which is left blank. There is on the page sent to me by Wells Fargo Home Mortgage limited certificate attach to what page or what document there is no such page or no reference to what page or what document it is attach to. Wells Fargo Home Mortgage just sent this document after years and 7 months of filing with CFPB requesting documents. The Correction Agreement Limited Power Of attorney is not legally binding due to errors no Notary stamp nor sign by the Notary. As to the California All Purpose Certificate of Acknowledgement document is not my signature and is forged as if it is these to documents that Wells Fargo Mortgage is stating there both in error as well as forged any one can see that the California All Purpose Certificate of Acknowledgement is filled in and sign by the same person. The Correction Agreement Limited Power of Attorney has a total different signature that is the CAPC to make the loan legally binding. That document is not my signature nor sign by me to make the loan legal and as to the Correction Agreement Limited Power of Attorney is not notarized by no notary nor stamp by no notary which both documents are not legally binding there was forgery by the notary in which I have had file with the Secretary of state to the notary that filed and sign my name and said I personal appeared if I was there why is the Correction Agreement Limited Power of Attorney not sign by the notary and stamp and why did some one forge my name and said I personally appeared and sign any one can see that the documents I sign is all the same and this document has been forged as well this is not no legal binding contract. 
Wells Fargo Home Mortgage has yet to provide from a document place that the CAPC of Acknowledgement is my signature and has not yet provided no such proof to make this loan legal and the instrument a legally binding contract. There has been forged documents by the Notary/ Wells Fargo Home Mortgage XXXX Now that this last document was sent I can pursue legal matters and legal action on Wells Fargo Home Mortgage
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IA)

I had 17 loans with XXXX XXXX, I now have 2 loans which are consolidated. In XX/XX/XXXX they reported to my credit report that I was 90 days past due, since the loans had not been consolidated at that point it did not just report it once but 17 times. My loans had a forbearance from XX/XX/XXXX-XX/XX/XXXX, I never received a bill from them to prompt me to pay anything and every attempt that I have made to get them to correct my credit report comes back, with them saying that it is correct and they do not have to correct because a forbearance does not stop it from being considered late if you look at the 2 previous months on my credit report they reported that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all paid as agreed and then in XX/XX/XXXX reported that it was 90 days past due, if it was 90 days past due then I would not have been able to have been as agreed in the 3 months prior to it. The loans have since been consolidated and are on a payment plan where it has not shown a missed payment since, they are unjustly leaving these on my credit report even though my loan was in forbearance in order to prevent me from obtaining other credit.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX This company, based in XXXX XXXX, NY has been employing intimidation tactics to collect a credit card debt that has been written off by CITIGROUP/ bank. 

I called citi today, and was told they have no recourse because my debt was sold and written off. My credit score is low, and it is because of this debt write off. 

Today, they sent 2 men, without identification to my door in an effort to serve me a fake summons. Previously, they called my friends and relatives at all hours looking to collect my debt. 

The summons, document does not have original signatures or notarization. their is no formal response letter, or numbered of summons. 

I contacted my Attorney General Office, DA, FTC and FDIC and congresswoman. 
i will file a complain with Attorney General and CFPB. 
Thank you,