davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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. (TX)

on XX/XX/2021 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 30days gives me reason to immediately remove those from my credit report it has been 60days so they should be deleted promptly. I demand these accounts be immediately deleted 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 wrong hands.
Consumer complaint received 2018-03-07
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: Experian Information Solutions Inc. (MD)

I contact Experian and I filed a dispute with them. I recently received an updated report dated XX/XX/2018. Several of the accounts that I had requested be investigated were investigated and have been removed. However several accounts still remain and I am now filing this complaint because of the information that remains. I have repeatedly disputed this fraudulent account information with no resolve.
Consumer complaint received 2022-07-17
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. (TN)

I received a copy of my credit report and have some hard inquiries on my report that I do not recognize. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

First, We have yet to receive our XX/XX/XXXX Settlement from CFPB!!!!!!!!!! 
XXXX XXXX XXXX, XXXX  ... WHAT MORE CAN I SAY! 
This Mortgage Lender failed to accept my PAY-OFF MONEY! This Mortgage Lender 1st took Forced Placed Insurance in XX/XX/XXXX NEVER mailing notice of such ACTION! For 10 years my payments were diverted to FPI ...  EVEN after our XXXX   Agent talked on the Phone to XXXX XXXX, changed the necessary Policy requirements per XXXX XXXX, SENT us a FAX with the Detailed Policy Changes THAT we immediately adhered too yet XXXX XXXX continued their GREEDY pursuit and over the next seven ( 7 ) years deducted more than {$30000.00}!!!! We know this because we Subpoenaed XXXX XXXX 's Records for a Small Claims Case XX/XX/XXXX. We LOST  THE CASE BECAUSE THE STATUTE OF LIMITATIONS! This is ALL XXXX because my 1st XXXX  Complaint was way back XX/XX/XXXX. After 36 Complaints to XXXX, FTC, FCC ( Phone Harass ) CA 's Business Oversight and a multitude of Sen, Reps both State & Federal ... THIS PREDATORY LENDER WAS ABLE TO REMOVE THOUSANDS FROM THEIR HOMES AS WE WERE IN XX/XX/XXXX ... I HAD A CHECK FOR THE SALE OF FARM PROPERTY THAT WAS FAR IN EXCESS OF THE MORTGAGE PAY-OFF FIGURE!!!!
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I attempted to check my credit reports on XXXX and on the identity verification page, I was asked questions in which all the responses did not relate to me. For example, it asked me to verify which address I've lived in and all 4 options were not my address. I proceeded to put on " none of the above '' for all the questions and was denied my credit report access.
Consumer complaint received 2018-06-20
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: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/XXXX, I was contacted by XXXX XXXX from XXXX in regards to an American Express debt that was charged off in XXXX. Her company is called XXXX XXXX and she said a lawyer from XXXX XXXX is going to call me very soon. The lawyer called me from a blocked number ( first red flag ). He wouldn't tell me his name. I told him I can only settle a debt if I am provided with a letter that defines the actual account number that this debt refers to, otherwise there is no way to prove what account was settled. I can guarantee 100 % that I have never had an account of the numbers he provided. He got upset and told me he is going to lie to a judge that he has tried numerous times to settle this debt with me and here this is the first time I've ever spoke with him or XXXX. He says a payment of {$36.00} was made on the account in XXXX. I never made a payment on such an account after XXXX, he is either lying or a previous collector paid to keep it alive because the Statute of Limitations was running out. They plan to win a judgement by default. They won't tell me the court date or try to serve me. They have never sent me a letter and XXXX keeps saying she doesn't have to provide me any information and Liens of my auto, home and finances are in the works now. I'm supposed to pay these people who can't authenticate their ownership of a debt of mine and they are behaving like fraudulent collectors who might pull off a judges order to ruin me. 4 other companies have recently called to try to settle this same account with me and they threatened judgments that they never carried out and they all called each other fraudulent when I told them about each other and they all present the incorrect account number.
Consumer complaint received 2018-06-19
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)

On XX/XX/2018 I requested that a bankruptcy ( GA Fed bk ct-XXXX ) be removed from my credit file. Within five days this item was removed from my credit file and updated on my XXXX XXXX & XXXX accounts. On each report it showed that the information had been removed from Equifax ; as it had already been removed from XXXX  and XXXX  because the information was due to expire from my credit reports reports. Equifax in the past has removed a similar account voluntarily before the 10 year mark that they claim is the minimum. The other credit reporting agencies remove bankruptcy info after 7 years, therefore Equifax should be no different.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

I opened my checking account on XX/XX/2022. I attempted transferred {$2100.00} from my XXXX  XXXX XXXX over to my chime account. Once that transfer started chime locked out my account due to internal policies. They stated that to unlock my account I had to send two copies of ID as well as mail with my physical address on it. I was told by the Chime representative that as soon as I submitted my documentation I would have my account open in 24-48 hours. I immediately submitted the documentation to them. My account is still locked, I have spoken to them on the phone and each time they assure me my account will be open in a few hours. I have been also told that the phone representatives can not help me and the only people that can help me are only reachable by email. I have emailed them at XXXX multiple times and they dont respond to my request other than to say they are forwarding my emails to the proper department who never answer. I told them that I want to close my account with them and for them to return my money to my XXXX  XXXX XXXX account. They told me they will not send my money back to XXXX  XXXX XXXX until their internal policies have been resolved and my account is unlocked. They told me there is nothing to be done, my money is unavailable, and I need to be patient.
Consumer complaint received 2018-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: JPMORGAN CHASE & CO. (FL)

Chase states on their website that money transfers from XXXX customers at banks that support instant funds availability ( which would apply to XXXX XXXX ) will get processed and appear in receiving account within minutes. I instructed someone to send me money using XXXX based upon the info provided. When the sender was ready to complete the transaction it showed an icon saying that it will be a real time transfer, after hours of waiting for it to appear in my account I called chase and was told would take 1-3 business days. I contacted XXXX and they confirmed that the money had already been transferred from XXXX XXXX and been processed by XXXX and made available to Chase. Furthermore on Chase website it showed as " accepted ''. Both XXXX XXXX and XXXX had completed their portion and were no longer in possession of the money. Chase continued to hold onto the money and refuse to release it. I would have absolutely not have used Chase XXXX with XXXX had I know this would be delayed.
Consumer complaint received 2018-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

My student loans were in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe, however, I was told that the payment did not qualify for PSLF because they were in deferment.  This is not accurate.  My student loans were also in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe.  I was told that the payments did not qualify for PSLF because the loan status was deferment. This is not accurate.
Consumer complaint received 2018-03-06
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. (MD)

Equifax released my personal information due to a hack and my identity was stolten, with 1000s of dollars of fraud committed in my name. I filed a fraud alert, and froze every credit bureau account. 

Then, someone filed a change of address to my account ( which should not be able to occur at all due to freeze and fraud alert ) for an address that does not even exist. 

This company literally supports fraud by not actually investigating changes to your account.
Consumer complaint received 2019-05-19
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: VALLEY NATIONAL BANCORP (NJ)

I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( XXXX XXXX, Valley National Bank ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to XXXX XXXX, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to XXXX. 

I further called up XXXX and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by XXXX XXXX, Valley National Bank ( for multiple enquiries for same reason ), XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and XXXX  for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).
Consumer complaint received 2018-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CHALLENGE FINANCIAL SERVICES (CA)

CHALLENGE FINANCIAL SERVICES - XXXX, CA CAR LOAN HAS BEEN INAPPROPRIATELY CONFIGURED AFTER WE RETURNED A VEHICLE AND RECEIVED OUR CURRENT VEHICLE. IN XXXX I RECEIVED TAGS FOR THE VEHICLE THAT WE RETURNED. WHEN I QUESTIONED THE COMPANY ABOUT PROVIDING ME INFORMATION FOR RELEASING THAT VEHICLE THINGS THEN TOOK A TURN FOR THE WORST. 

ON XX/XX/XXXX I REQUESTED A SUMMARY STATEMENT FOR MY ACCOUNT AND THEY HAVE REFUSED TO PROVIDE ME THIS INFORMATION. I OFFERED A FAX NUMBER AND AN EMAIL. THEY DEMAND I CALL THE OFFICE. I DID AND THEY WILL ONLY POST MAIL IT TO ME. 

ON XX/XX/XXXX OUR VEHICLE WAS REPOSSESSED FROM OUR DRIVEWAY. THE DRIVER APPROACHED US AND STATED THAT IF WE DID NOT GIVE HIM THE KEYS HE HAD OUR CAR EITHER WAY. 

TODAY ON XX/XX/XXXX WHEN I CALLED TO TELL THEM THAT I HAD UNTIL THE XXXX TO MAKE PAYMENT ( WHICH I BELIEVE I AM CURRENT ON ALL PAYMENTS FOR THIS VEHICLE ) THEY STATED ON THE PHONE THAT I SHOULD HAVE NOT THREATENED TO GET AN ATTORNEY AND STATED TO GET MY VEHICLE BACK I WOULD HAVE TO PAY {$2100.00}. 

I DO NOT HAVE THE MONEY FOR AN ATTORNEY AND THE 24 % INTEREST CHARGE THAT I AM PAYING FOR THE VEHICLE SEEMS TO BE HIGH FOR US TO ACTUALLY MAKE HEADWAY ON THE PRINCIPLE. I HAVE REQUESTED AN AMORTIZATION TABLE TO SEE HOW MUCH HAS ACTUALLY BEEN PAID ON THE VEHICLE AND THIS HAS ALSO BEEN DECLINED. 

SO NOW I AM OUT OF A VEHICLE AND MY MONEY DOWN. THIS LEAVES ME NO OTHER CHOICE BUT TO APPEAL TO YOUR BUREAU FOR COMPLIANCE OF UNFAIR BUSINESS PRACTICE AND LENDING LAWS. 



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Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Complaint is to Wells Fargo Mortgage. The issue is my XXXX mortgage interest reported in XX/XX/XXXX and in XX/XX/XXXX. ( I have yet to check the prior years so there may be additional problems ) My XX/XX/XXXX XXXX is not correct. The amount listed is about {$4000.00} too less. I paid more into my interest for my mortgage tax. I asked and Wells Fargo said it is less because they gave me a refund in prior years. That is not legally correct to do. First off, I did not receive any money and have NO receipt for such. My XXXX does not show a refund either. Nothing was ever refunded to me. So Wells Fargo is admitting the number is incorrect however their reason is incorrect and never occurred. 


My XX/XX/XXXX XXXX has been reported to me by Wells Fargo in a letter a few months back that it is not correct and they made an error and will provide an amended XXXX. They never provided this amended XXXX in spite of my multiple requests as well as customer service submitting a request on my behalf. 

This is very serious actions on their part and have to get resolved immediately. 

My escrow also was never resolved. 

Wells Fargo still owed me thousands of dollars due to a bad modification they refuse to resolve. It is going on for years since XX/XX/XXXX. They were trying to force me into signing an illegal restructure of my mortgage which had a order preventing me from discussing the matter with anyone and preventing me from correcting any errors I may find after signing. I told them this is illegal and they tried to lie their way out of it. 

Because I did not sign the restructure agreement, WF never settled with me and still owes me a lot of money due to their errors with my modification. They refuse to resolve this matter. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (FL)

I made a transfer of XXXX Euros ( XXXX, XXXX dollars, until the moment of the transfer ) from my current account in XXXX to the Wise account, in XXXX, onXX/XX/XXXX with the promise that the account is in my checking account, Bank XXXX XXXX, XXXX, within XXXX hours, however, it has been 5 days, and the money has not been transferred, and I have not been informed until now when I will see it.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I sent information to you showing the loan was transferred to you from XXXX XXXX XXXX. My loan was with XXXX XX/XX/XXXX until XX/XX/XXXX when it was transferred to XXXX XXXX XXXX XXXX XXXX. 
The loan wasn't transferred from XXXX XXXX XXXX  as you've stated. 

I will send this information to you once again, payments made also. 

You can pull my wage earner records from the courts because they are public records. XXXX XXXX XXXX did not notify the courts either. I pulled all of my court records from the courts in XX/XX/XXXX. 

I've been told that case have to be reopened. I'm in the process of doing just that, since you can't seem to get information from XXXX XXXX XXXX. I will send this information to XXXX XXXX XXXX XXXX XXXX   and the attorney I get to reopen the case. 

Someone created a EIN number using my personal information without my knowledge. XXXX XXXX XXXX XXXX XXXX also used TN XXXX XXXX XXXX Federal Identification number to report a XXXX to IRS in XX/XX/XXXX. I'm in the process of notifying IRS of this fraud. 

I pulled my credit report to learn that someone added an address for Michigan to my credit report. I have never lived there, nor have I visited there. I've lived in XXXX Tennessee all my life. I was my home XXXX years, until you -XXXX XXXX XXXX  XXXX XXXX XXXX it from me. 

May XXXX have mercy on your souls.Because of you I'm homeless. All of my former employers have been deleted from my credit report. And I've worked since the age of XXXX. I notified the Attorney General Office also. You should be ashamed of yourselves.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

I mailed XXXX XXXX a dispute letter asking the company to verify a collection debt. On XX/XX/2018, I received a credit card statement showing the account was closed and charged off. I have no knowledge of this account. A bank statement is not sufficient proof. I need a copy of a signed credit card application from the original creditor to prove that this debt is mine. I don't recall having this credit card account, nor making purchases on the account. I would like to see a copy of payment history, because I've never made a payment to the original creditor. Please have XXXX XXXX to provide a document bearing my signature or some kind of proof that indicates I've accumulated this alleged debt. Please investigate this complaint.
Consumer complaint received 2023-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC. (VT)

Last year, Santander Bank failed to pay my taxes from escrow. After going through that experience, with the assistance of the CFPB, they sent me a letter from their Executive Office saying this would not happen again and the CFPB complaint was closed. 

This year, the same thing happened. They did not pay from escrow, I received penalties and interest from the Town of XXXX, and had to pay the taxes from my own funds. 

I faxed the receipt from the Town of XXXX on XX/XX/XXXX to Santander. I have the cover letter and receipt, which I sent to Santander. I am submitting that information as an attachment to my complaint.

Santander has still not refunded my escrow for the tax that I already paid.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

" Portfolio Recovery '' ( XXXX XXXX XXXX ) calls frequently asking for a person who is not here. I have told them that this person is not here, that he is not even in this state anymore and I have demanded that they stop calling. They still call.
Consumer complaint received 2022-07-17
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: Synovus Bank (TN)

I have accounts that are inaccurate and its destroying my credit. Send legal proof with accurate information within the legal days or please remove the items immediately within the legal time frame. The following accounts are below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Progress Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX