davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2018-03-07
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. (VA)

I gave credit inquiries on my credit report that I dont recognize and I did not authorize.. Someone tryed to open new accounts in my name and will like these inquiries deleted from my credit report ... .. I also have addresses on my credit report that I have not ever been associated with and will like them deleted from my credit report thanks
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In 2018 I was manipulated into a mortgage with Wells Fargo. I had gone into the branch to wire monies for a mortgage and the associate convinced me to do a mortgage with Wells Fargo instead. They offered me an increase in my savings account interest rate ( which they soon later removed ), 2 Wells Fargo associates told me I could make payments every 2 weeks and have those payments applied the date I made the payment, this was my sole reason for doing the mortgage with wells fargo. Then, after I had the mortgage, the bank would not post my transactions on the date sent and instead waited until payment due date. When I opened an investigation, the employees/associates lied and then the phone records were on their personal cell phones so wells fargo investigations determined they could not validate what I was saying and thus I was fraudulently out money. I had a strategy to pay off my mortgage and determined an amortization scheduling using 2 week payment instead of monthly, I showed the associated this at wells fargo and they just lied and went with it, knowing it was not possible and telling me it was. This cost me thousands of dollars and I also ended up refinancing and I had to spend the time and money to refinance to get out from wells fargo blanket of lies and deceit. Friendly faces that lie lie lie and do more lying. Wells Fargo did an internal investigation and determined no case because phone records were personal cell phone by the employee and basically Wells Fargo internal investigation was a joke and a huge waste of my time. They talked really nice and said sorry a lot and then sorry some more but in the end, they did not resolve the matter and left me with the bill.

When I was closing my mortgage. Wells Fargo for my rate lock, also closed 1 business day after my rate lock expiration and charged me an additional 30 days rate lock for 1 business day ( {$710.00} ). The reason for the delay in closing was Wells Fargo internal bank error related. They charged me the extra fee of {$710.00}.
Consumer complaint received 2021-01-28
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. (OH)

I called Equifax just now to dispute 1 of 2 hard inquiries on my report 14 days apart from the same company. I first talked to the company to ask them about the 2nds inquiry and they stated they were allowed to run a report as many times as they needed to within 45 days and it will only count as on inquiry as per the Consumer Financial Protection Bureau. They directed me to the website and the statement. So I called Equifax to make the correction, but they refused to make the correction. I directed them to consumerfinance.gov and explained the statement on their and they continued to refuse the remove the 2nd inquiry. I need help clearing this up. Spoke with a Supervisor names XXXX who said her employee number is XXXX. 

I made the same call to XXXX and they recognized the problem as assured me they would remove the extra inquiry within 24hrs.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (PA)

I've contacted SoFi after getting my dispute denied. I talked to their garbage chat support and they told me they would process my appeal and I was suppose to get the reason why my initial dispute was denied. I've waiting two weeks so far and haven't heard a XXXX thing. SoFi doesn't give a XXXX about the customers. They never did and never will. I don't even think they even processed the appeal. I've already had to contact this shady XXXX of an excuse of a bank on multiple accounts to try to get anything done.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CO)

I was sent XXXX on XX/XX/year> from a sub contractor I use for my business. Cash app has taken the money from me and will not let me have it or access it at all since it was deposited last year and will not answer any of the numerous requests as to why! I have tried MULTIPLE TIMES to wait for the promised response and still have been told absolutely nothing! Which is the SAME thing as theft! ITS BEEN A YEAR AND NOONE WILL TELL me WHY or anything at all actually! They just keep giving me the run around and its NOT OKAY!
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

I was written a debt notice from a collection asset care for XXXX with a date of service of XX/XX/XXXX XXXX given an acc number XXXX The later is dated XXXX XXXX I just got the mail XX/XX/XXXX I have no knowledge of me ever owing any medical bills of such
Consumer complaint received 2021-01-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On the XXXX of XX/XX/year> my sister in law XXXX XXXX endorsed her tax refund check to me for deposit and a withdrawal because her bill folder was stolen with her identity included and needed to cash her check due to Beryl Hurricane disaster and the bank held the check until the XXXX of XX/XX/year>. The amount is for {$1100.00} and the {$67.00} in overdraft fee was taken out once the check cleared. But then the bank restricted my account and stated after the check cleared the third party couldnt be verified by the phone number provided, which is my sister in laws ESTATE phone number under a different name from the check, which she did a name change with the court previously, under XXXX XXXX XXXX. She never changed her name on her phone because its a prepaid phone. The bank also sent a letter stating the account has been restricted for no reason but with prejudice on XXXX of XXXX. We tried to withdraw the funds on the XXXX but my card was locked after repeating a third attempt at the ATM to withdraw the funds. I receive the phone verification and accepted it but the card locked on me. We went to the bank on the XXXX for verification purposes of the third party but no success and this matter has caused my family emotional distress with prejudice and bullying of my own account. 

I even requested a hard close at the bank and was denied that also, with prejudice. I contacted the customer support team over 5 times to settle the matter but was dishonored and they threaten to close my account, that was not in an overdraft for 45 days as the banker at the branch informed us at the XXXX XXXX at XXXX location. My wife and I gave the team both of her phone numbers to call her, but they refused also to honor that. They also never returned her check as requested at the bank within a timely manner per banking federal regulations. I want the account hard closed immediately and return her tax refund within XXXX business days, without prejudice and her Tax Advacate with the IRS will be informed about this matter as well for withholding taxable funds as an ESTATE and living Trust consumer. 

Note : My wife XXXXXXXX XXXX XXXX and those funds is apart of her payment for work and our bills for this month, which has caused a delay in payment.
Consumer complaint received 2021-01-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (CA)

XX/XX/XXXX I went to titlemax XXXX ca. I needed a loan for XXXX to cover rent and XXXX. I was informed by XXXX an employee that loans under {$2600.00} were not allowed in California. This I learned later was a lie. My payments were to be $ XXXXmo. I asked about early payoff. He said the first payment was the " big one '' I received No paperwork about loan terms they said for all that info create online account log in etc. so for the next several mos. I made my payments. XXXX they closed their doors in XXXX thats when I checked my balence 1st time. It showed I had paid {$2300.00} on a loan of XXXX over 4 months and I owed {$2000.00} ... .. I have tried to call Titlemax of Californias ' main office in XXXX county it hangs up as soon as it rings thru. When I investigated it said Titlemax was ordered by state to cease and desist XX/XX/XXXX. And they actually stopped in XX/XX/XXXX ( 2 weeks after they got me. ) The other offices know nothing of my case and the website only left me choices of payment. This car is a XXXX XXXX XXXX w/ XXXX mls and drinks oil, needs bushings and 2 cal catyltic converters. At best its worth XXXX. Im not paying them another XXXX of interest. And Im not giving them the car after all this and have them sell it for XXXX to one of their car lots. and sue me for unpaid balance. They should not have been still doing that.
Consumer complaint received 2021-01-28
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

For few months now I have reached out to the bureaus and to the mortgage company for the XXXX time XXXX day late on my closed mortgage account, the company has responded but it feels like its general standard letter they send to anybody who has any questions or concerns. I was under induced medical comma in the hospital, that is why my payment didn't go through by the time I realized it it was too late. I have XXXX debt, I have never had any late payments on any of my mortgage accounts you can see that on my credit report. I kindly ask you to remove the XXXX time XXXX day late from XXXX of XXXX. Please as a good faith, as XXXX time curtesy please remove the XXXX time XXXX day late, again this would have never happened if I was not in a comma. Thank you
Consumer complaint received 2021-01-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (IL)

Started loan process with XXXX XXXX, GR rep in XX/XX/XXXX. Presented my case to him. Newly Chapter XXXX discharged in XXXX 2020. Working with realtor who recommended him. No problem we will get you funded. Got preapproval on final contract in XXXX. Sold my other property and closing date scheduled XXXX XXXX 2020. New purchase closing scheduled XX/XX/XXXX. Notifications start coming two weeks prior - to extend my date. I was asked to provide info and I was originally given a conditional clear to close in early XXXX I think. Then after working with their agent XXXX XXXX to get what they needed, then nothing just asking for extensions. I had to move out of my house and the new seller allowed me to move into the property at the end of XXXX. From then is what continued request for extensions sent to my attorney and this went on until XXXX 2020. When finally they came back and said sorry we are not going to fund you. So I had to secure a new loan with a new vendor. Mis-representation at its best when i reached out to them to try and secure my request for reimbursement i told them they had never sent me a denial letter. So they created one for XXXX XXXX 2020 which said that I was denied credit for bankruptcy and credit issues. It was never due to either of these things since my bankruptcy was presented originally. I showed proof of all payments they required of me and any other documentation. I letter from the clerk of the bankruptcy court validated all my payments were made on time and under the program. So I am claiming that denial is a fraudulent statement. They even tried to present my loan to Proper Rate and asked for extensions to that company which actually had no FHA loan clearance to even process the loan.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

I called the XXXX XXXX XXXX  XXXX about Mohela and XXXX not processing my application for XXXX for over 13 months now. It is not legal. I am also supposed to be in administrative forbearance and they have not put me in this and continue to play games and send me bills for XXXX and XXXX a month. This is all illegal and I have a federally protected XXXX of XXXX. I demand that the XXXX XXXX XXXX do their job with Mohela.
Consumer complaint received 2021-01-27
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. (NY)

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I paid off my loan and received an escrow refund check which bounced. I have called 6 different numbers associated with this company, and in every call I was directed by the automated system that ends up hanging up on me.

Loancare LLC a subsidiary of XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2023-02-07
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: SYNCHRONY FINANCIAL (NY)

I requested an open dispute 4 or 5 times by phone but all of those disputes disappeared from the record.

So I still don't get a refund. {$64.00} XX/XX/2023 Marchant : XXXX XXXX. 
The agent ( Email ) is still suggesting reopening a dispute. 
I'm tired of opening another dispute and disappearing disputes.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Dear CFPB, I am writing to formally request your assistance in addressing a serious matter concerning a fraudulent account that has been reported in my name with XXXX XXXX XXXX. This account is a direct result of identity theft, and despite my efforts to resolve this issue, I have faced significant challenges. 

Under 15 U.S.C. 1681n, consumers are entitled to accurate credit reporting and protection against identity theft. However, my attempts to rectify this situation with Experian have been met with non-compliance, leaving me in a state of stress and uncertainty. The continued presence of this fraudulent account on my credit report not only affects my creditworthiness but also causes ongoing emotional distress and unfairness as a victim of identity theft. 

As a consumer, I deserve fair treatment and the right to have erroneous information removed from my credit profile. I urge the CFPB to take immediate action to ensure that this fraudulent account is investigated thoroughly and removed from my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MI)

This is complaint number 5 for the same issue. Chase continues to " lose '' my payments that are coming from a 3rd party payer. I am 3 years XXXX and have had this loan since XXXX of XXXX. From XXXX of XXXX to XXXX of XXXX, I made all of my payments on time. I became XXXX as of XX/XX/XXXX and per XXXX XXXX ( where my payments are coming from ), I can not submit my monthly XXXX statement to them any earlier than the week of the XXXX of every month, because that is where my XXXX date falls on. I have conveyed this to Chase XXXX times. I understand that my payment due date is the XXXX of each month, however, I have no control over XXXX 's policies as well. As of today 's date they have not posted XXXX or XXXX 's payment, and I continue to be assessed late fees. I have escalated this all the way up to the XXXX Office at Chase Auto Finance. I have consulted with my attorney who has advised me to keep filing these complaints and keep track of them. She has also advised me that I am NOT responsible for the late fees, as this is out of my control. To date I have been assessed {$120.00} in late fees. This whole issue is discriminatory to people with XXXX and creates unneeded stress to me which is not good for any of my health conditions. XXXX XXXX is doing their job correctly, Chase is not. I have been told that I am not the only account this happens to, which to me should be a sign that their process needs to be reevaluated and modified.
Consumer complaint received 2021-03-09
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 the XX/XX/2016 a fraudster took out a vehicle with XXXX XXXX XXXX using my credit information. I have contacted the three bureaus ( Equifax, XXXX XXXX XXXX ) but Equifax and XXXX add it back on. I have filed a complaint with the Federal Trade Commission and also filed a Identity Theft Affidavit in which I certified to make sure they have received all proper documentation. XXXX has removed but Equifax and XXXX have not permanently removed this fraudulent account from my credit. Clearly I need additional help to let them know they need to do a better investigation. They are not complying properly under the Fair Credit Reporting Act. Identity Theft has affected my credit tremendously and since then have been turned down by both lenders and creditors because of this fraudulent account. This is not OK! I have requested additional information multiple times and I haven't received anything. I also made sure that I sent everything via certified mail. I want this fraudulent account that falsely shows that I owe XXXX XXXX XXXX {$8300.00} removed immediately before I am forced to seek further legal action.