davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TD BANK US HOLDING COMPANY (CA)

I was sent a letter on XX/XX/XXXX ; from XXXX XXXX., A professional XXXX XXXX, XXXX, CA XXXX ; stating I owe : {$6000.00} from TD Bank USA, N.A. ; account # : XXXX XXXX. I will first state ; the last payment made on this account was XX/XX/XXXX, the account was Charged Off on XX/XX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XX/XX/XXXX, Experian removed it : XX/XX/XXXX. 

XX/XX/XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XX/XX/XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. 

I would like to know, how can Target get a judgement on me in XX/XX/XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XX/XX/XXXX and in XX/XX/XXXX. 

I responded to their first letter on : XX/XX/XXXX ; stating the 7-year diary has came and gone in XX/XX/XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. 

This is when they followed up with their letter on : XX/XX/XXXX ; showing a default judgement for XX/XX/XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. 

What I do know is, Target charged off this account. XXXX removed this account in XX/XX/XXXX. XXXX and XXXX removed it in XX/XX/XXXX 

XXXX Credit report dated on : XX/XX/XXXX is stating and showing ; Target " Charged Off '' and " Closed '' this account on : XX/XX/XXXX. Getting a Judgement on me in XX/XX/XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. 

Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (LA)

Originally I had an acct with XXXX. XXXX  purchased XXXX. I was not happy with XXXX  's customer service, so I cancelled my services. I did not owe a cancellation fee, as I was out of my contract. ( Verified by phone call. ) I mailed in all of my equipment. I paid my last payment. I do not owe XXXX or XXXX  any money. I have received many notices from XXXX stating that I am owed XXXX from my deposit fee and overpayment of my last bill. I have yet so see that money, and have charged it my list of actually ever receiving it because there is no way of me actually collecting that money from a huge corp such as XXXX   and including such poor customer service. I have attempted to resolve this conflict with XXXX  and XXXX on so many occasions. I continuously get transferred from this person to that person. I have spent literal hours on the phone only to be eventually disconnected.
Consumer complaint received 2020-05-12
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2020-05-12
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. (TX)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-05-12
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: EQUIFAX, INC. (VA)

XXXX XXXX  Opened XX/XX/2007 Balance XXXX Myself and  another company made attempts to remove this negative remark from my credit report due to Statute of Limitations and they have failed to do so.
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: USI Solutions Inc. (NC)

Ill be contacting the FBI. Yesterday I received a letter from a collection agency XXXX XXXX, inc stating that I owe {$1100.00} to USI Solutions for a debt originally belonging to XXXX. I do not owe any money to any source for any reason ... I have absolutely perfect credit and zero outstanding debt anywhere. I see nothing on my credit reports regarding this debt. I have absolutely no negative information on my reports. Out of the blue I received this strange letter offering To settle the debt for {$290.00} and Im told I have until XX/XX/20 to send payment. I never heard of this company and theres vague information in this letter regarding this mysterious debt. I searched online and this company seems like they are scamming a lot of people. The better business bureau pages are filled with complaints. I do not owe any money to anyone. I am not responsible for this debt and I find it alarming how all these companies have very little info on websites. All they have on website is a credit payment option and nothing regarding the bill I am being asked to pay. This is clearly a scam and I think these people need to be shut down fast. I know my right and this debt does not belong to me.
Consumer complaint received 2020-05-12
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: EQUIFAX, INC. (AL)

Duplicate reporting of various student loans. I am currently paying my student loans to XXXX yet information that I am not aware of or familiar with the amounts listed yet showing up multiple times my credit report. 

Bureau Name XXXX XXXX Original Loan Amount {$5000.00} {$6000.00} {$3500.00} {$9700.00} {$4500.00} Bureau Name XXXX XXXX XXXX XXXX - These items need to be removed from the credit report Original Loan Amount {$8500.00} {$7600.00} {$5100.00} {$5200.00} {$6200.00} {$4100.00}
Consumer complaint received 2020-05-12
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 (NV)

I had being a wells fargo member for quite a while.Till the last XX/XX/XXXX, I did an online purchase to XXXX.Infortunaly the order was canceled by the store and by policie the refund period of wait time was from 5 to 7 business day the max.After I wait more than the time said.I first contact the store, and they provide me an authorization code in order to release the amount to my checking account.When I contact my bank institution, they said the money never was deducted, none of the transactions shows in my personal online access account, except theirs that it shows the whithrow that specific day.I had tried my best with all the evidences I have, to resolve my issue, but is such a waist of time.Now the excellence wells Fargo image I had from the past, it has change to the opositive.As a consumer is very upseting witnessed this bad customer services, very unfair not to own 100 % the accurate info about all my money transactions, this really made me dont trust in wells Fargo bussiness no more.
Consumer complaint received 2020-05-12
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX {$1100.00} XXXX XXXX {$2000.00} XXXX XXXX {$5100.00} XXXX XXXX {$13000.00} XXXX XXXX   XXXX {$23000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$720.00} CHAPTER XXXX BANKRUPTCY  XXXX {$0.00}
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Big Picture Loans, LLC (MN)

On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a XXXX XXXX XXXX put a dergatory report of {$880.00} for Pepper Cash loan. Never heard of Pepper Cash. The date opened was unknown and just showed up without any notification received from the debt collector. When I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that Pepper Cash had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX  security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MT)

I had about 5 cards with synchrony bank. In XX/XX/XXXX, I logged in to make a payment and saw that all my accounts were closed. I have never missed a payment so I called each one and they said it was due to " high credit risk '' which pretty much is saying they don't want people to have credit and are punishing the customers due to the COV-19 which is very wrong and should not be legal. People should not be punished for something they can not control like COV-19 just cause synchrony is afraid of losing money. This negatively impacted my credit score then the reps for synchrony XXXX, care credit, and PayPal credit told me to reapply.  They won't let me with paypal and with both care credit and synchrony XXXX they approved but then closed the accounts before I could even activate it. That added 2 hard inquiries along with 2 more closed accounts. Action needs to be taken. Synchrony bank can reopen my accounts they closed without my permission and also without notice or else they can refund the interest charges I paid this is not how you treat your loyal cardholders who have always been on time and never went over or close to the credit limits and I would NOT recommend synchorny bank to anyone and if this is how they treat their customers people should boycott them.
Consumer complaint received 2020-05-11
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: COMMERCE BANK (IL)

I first started a balance transfer transaction in XX/XX/XXXX in response to a solicitation from Commerce Bank that went nowhere. I have since tried half a dozen times more. After spending nearly 4 fruitless hours on the phone with various representatives, I was told my card was not valid, despite the fact that Commerce 's automatic system validated it. I was told a new card had been sent out XX/XX/XXXX, but none ever arrived. At no time did Commerce ever try to contact me, despite having all my contact information, to tell me what the problem was. I have since incurred over {$1500.00} in additional interest because of this fraudulent activity on the part of Commerce Bank and I expect to be reimbursed in full.
Consumer complaint received 2020-11-19
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. (DE)

" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' This has been the excuse given several times and not once have you provided proof of a valid debt
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M&T BANK CORPORATION (MD)

IRS economic relief payment scheduled direct deposit verified on irs.gov to direct deposit XX/XX/XXXX. No check was received nor any notice as to status or why it was not received. M & T is denying receiving it and they and I both verified on the IRS website that I was to receive a direct deposit of {$1200.00} on XX/XX/XXXX to my account. It is now XX/XX/XXXX. Nothing.
Consumer complaint received 2020-05-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MI)

On XX/XX/XXXX I signed a mortgage jointly with my father. At no time was it stated that I would be a co-signer and not a joint owner. In fact I was even listed first on the mortgage. The title company client acknowledgment stated " the undersigned, hereby acknowledge the following ; that they are the true and lawful owners in fee of the following '' which I and my father signed. Later come tax time I discovered I am not on the property deed, just the mortgage. Since I am not on the property deed I am also not on the home owners insurance paid through escrow. 
I thought this was a simple error and contacted first the title company, XXXX. They told me via email on XX/XX/XXXX : Your lender does not require all borrowers be on title and you would not automatically be added as a borrower. I do not see a deed was requested from your lender. If you are interested in being on title you will need to reach out to a local title company or a real estate attorney to executed a quit claim deed adding you to title. We do not provide services outside of a transaction. Sorry we could not assist. 

I then contacted Quicken Loans. At first there seemed to be some concern until it went further up the chain. I had told them that now that my father has a new girlfriend and has discovered what has happen he was not willing to put on the deed with a quit claim deed. He now has a house I am legally binding to pay for. XX/XX/XXXX XXXX, XXXX I talk with a Specialist at Quicken Loans who said there was nothing they could do for me and suggested I get a attorney and a title company. 

I had done this mortgage rather than continue to pay him as a way of protecting myself if anything were to happen to my father. I had trusted Quicken Loans to be honest and upfront. With regards to truth in lending and taking the legal route with a mortgage I thought I was protecting myself and my investment. As it stands now I could pay on a mortgage for years and it could go to someone else. I would not have signed a mortgage if this was the case.Where was the truth in lending?
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Today, XX/XX/2020, I tried to temporarily lift my credit freeze with Equifax, as I need to finance a new furnace ( mine broke and it is still getting below freezing at night where I live ). I had frozen it years ago and still have the 10-digit pin number they gave me for personal identification for when I need to lift or temporarily unfreeze my credit. I tried to create an online account with them, but Equifax 's website gave an error that it failed to contact their servers part way through me setting up my account. It would not let me back in to finish, only telling me that I had to call customer service. I called Exquifax to temporarily unfreeze my credit, and they asked me all sorts of personal questions to verify my identity. I answered everything correctly, including details on my mortgage, car loan, and one of my credit cards. They then asked for the date that I first set the credit freeze. I had set the freeze up years ago and only have the 10-digit pin they told me to save, they never told me to save the date. Equifax is now telling me that they no longer accept the 10-digit pin, and I am locked out of my credit until I mail in physical forms of identification. They will not even let me finish setting up my online account until I mail in my information. Preventing me from accessing/unfreezing my credit is going to delay me getting financing for a new furnace and heating my house, potentially putting my property at risk.
Consumer complaint received 2020-05-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo turned down my loan application due to " accepting Covid-19 relieft '' which I did NOT accept or request, nor did I use. Previously I had a near impossible time getting a return phone call from my mortgage representative. Once I finally reached her supervisor, I wasn't given the same reason for my denial. Now it was they don't offer the type credit I requested. Which is 100 % isn't true. I'm fairly confident that my persistent follow up and their lack of communication resulted in them not wanting to do business with myself, but that lacks a business reason and I feel I wasn't given proper or fair consideration.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc. (SC)

Companies refused to report correctly can these items be removed of my XXXX, be XXXX be and XXXX  for aargon agency, for XXXX XXXX for XXXX $ and XXXX , and XXXX XXXX  for XXXX XXXX XXXX in the amount of XXXX $
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (IL)

XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I paid my credit card off in the amount of {$2500.00}. Iprior came back from the company saying payment not made. This happens like 3 times however on XX/XX/XXXX XXXX the payment was made with both myself the bank I do business with and Citibank the company holding the credit card for Home Depot. I made the payment however prior trying to paid by phone i sent them a pay bill by mobile check arrived to Citibank, and they posted that amount to may account too, which I did not owe anything. So I now have a credit. I immediately called the bank. They said they could not send the money back to the account I wrote the check from it had to be the one set up with the account pay which does not accept ACH payments. I told them that. But they insisted it wasnt an ach payment. 3 weeks later I have not seen a refund or a call from Citibank. So I called. They said my bank didnt accept ACH. Duh. So they said they had to mail it. On that day XX/XX/XXXX I was told it would take 7 to 10 days. The check never came. I have called them every 2 week. The last time this month of XX/XX/XXXX. XXXX. The woman said she would escalate it to the executive office. They would call me back. To remember we are on limited access because of the coronavirus. How can I help REMEMBERING. I have XXXX grands in my house and I needed my money to survive. We lost our phones cause we cant pay our Bill 's. We are about to lose out electric. Needless to say no one called. I called again on XX/XX/XXXX. I was told a check was going to be sent in 10 days. I begged them to please overnight. I even said did pay for the fee to express mail it. They do not do that I'm told. We verified my address again. They have told me they have sent it 2 times. I've asked my neighbors which it's a close neighborhood. If they got my mail they'd give it to me. So on the XXXX I called again and was told the check again was sent on XX/XX/XXXX. To wait until the XXXX of XXXX. Which is today. 
This has caused hardship. I want the envelopes showing the check returned. I do not believe they have ever sent this check. And I need help. My family is in dire straits XXXX XXXX XXXX XXXX XXXX