davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (FL)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX, Inquiry date, XX/XX/XXXXXXXX XXXX Inquiry XXXX, XX/XX/XXXX, XXXX, Inquiry date, XX/XX/XXXX, XXXX XXXX, Inquiry date, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I am a customer with Coinbase. In XX/XX/2021, my account was locked and under review as i saw an error message on screen and clicked the support link to check about this. 
After dozens of emails and verifying myself, it was only unlocked the end of XX/XX/2021. 
When unlocked, i saw transaction, a withdrawal of {$40000.00}. My account was locked so it was not me. 
I sent another email to them and they locked my account again. For security reasons. It was locked when my investment was taken so i am not sure how this provides any security to my account. 
My case number is XXXX. 
Nobody will get back to me about this but they do send generic emails which asks for a bit more time. I have had enough.
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (OK)

This is with regard to medical from 2 years ago. These calls from TransWorld Systems , Inc. are unceasing. They have been notified we are on DO NOT Call registry, but they don't care. The ID Code is XXXX. I want this stopped. If they need to contact me they have my address.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to express my deep dissatisfaction with XXXX, XXXX, and Equifax for their failure to remove old, outdated, and incorrect information from my credit reports despite my repeated requests. I have sent multiple letters to each of these credit reporting agencies, clearly outlining the errors in my personal information and providing the correct details, but they have not responded or taken any action to rectify the situation. 

The inaccurate information on my credit reports includes false employers and phone numbers that do not belong to me. These errors could have serious consequences if they are not corrected promptly, as they may impact my ability to secure employment or financial services. I have attached copies of my Driver 's License, Social Security Card, and Pay Stub to verify my identity and facilitate the correction process. 

It is crucial that XXXX, XXXX, and Equifax adhere to the Fair Credit Reporting Act ( FCRA ) and ensure that the information they report is accurate and up to date. By failing to address these inaccuracies, they are violating my rights under the FCRA and causing me unnecessary distress and potential harm. 

I urge XXXX, XXXX, and Equifax to take immediate action to remove the incorrect information from my credit reports and provide me with updated and accurate reports. I expect a prompt response and resolution to this matter to avoid any further escalation of this issue.
Consumer complaint received 2018-04-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

Received a title loan which wasn't properly explained and I didn't understand the terms and now I owe much more and they call constantly to collect money with additional fees and interest that I didn't agree to. I would like to pay off the debt, but I am unemployed and looking for work. I will soon have a job and would like to keep my car for work purposes. I am willing to discuss payment arrangements.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Case # XXXX I had my personal doctor process notes paperwork with my personal information on it DOB, Soc number, telephone number, email address, insurance information, other personal information about me. I also had money, my Fifth third debit card, make up and car keys ( XXXX to replace keys ) in my bag. I had my bag stolen from my therapy work out session. The Suspect that stole my items used my Fifth Third debit card on transactions that I didn't authorized I contact Fifth Third bank the same day the theft occurred to have them to block the debit card. Later I discovered that my card was used to purchase goods and services that I didn't receive The suspect order XXXX XXXX concert tickets in the amount of {$170.00} ( I don't listen to Blues music ) and made other fraudulently transactions with my debit card. Then later the suspect had hack compromise my account with Fifth Third bank I had to go into the Fifth Third branch to close my account and stop all my direct deposit due to the suspect made numerous attempts to get money out my account. I contact XXXX XXXX and informed them that the purchase in the amount of {$170.00} was made without my permission, and that my debit card was stolen. The suspect was never able to use the tickets but XXXX XXXX still charge me for the fraudulently charges of {$170.00} my Fifth Third Bank had given me a temporary credit in that amount but on XX/XX/XXXX Fifth Third bank reverse that money back. I shouldn't be held accountable for this fraudulently transactions I reported this to the bank and contact the Merchant. I file a report with your company also in XX/XX/XXXX and XXXX at Fifth third bank ( XXXX ) XXXX contacted me concerning this case but she didn't resolve the matter. The suspect had all my personal information so the suspect could put my personal information such as name email address and physical address into the computer to obtain goods. These transactions were made over the internet. Fifth Third bank is FDIC and are to secure my money at all times. I did the appropriate procedures to file a claim with the bank and i followed all the guidelines and also file a police report I would like for the bank to give me my money back.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I'm having a problem with Select Portfolio Servicing applying mortgage payments we have made to our account correctly. My husband and I purchased our home XX/XX/XXXX and have never missed a mortgage payment nor have we been past due unpaid balance. I realized there was a problem XX/XX/XXXX after I called SPS customer service to give them permission to take our monthly mortgage payment from our checking account. They took our payment and never said anything about a past due balance. A few days later still XX/XX/XXXX I started receiving collection calls. 
SPS customer service rep called me and said I was past due on my mortgage payments and I informed them I had already made my monthly mortgage payment the prior week and they said that the payment I made for XX/XX/XXXX mortgage payment was applied to XX/XX/XXXX mortgage payment. I informed them that I had made that payment as well. In their research they found that our XX/XX/XXXX mortgage payment was applied incorrectly. They apologized and told me they would write extensive notes and forward them to another department to correct mortgage payments which were not applied correctly. I thought it was over but I received another collection call a few days later. I explained to them I have made all mortgage payment and told them to check the notes on our account from the prior SPS customer service rep. They put me on hold to review prior notes and also apologized and wrote more notes on our account explaining the mortgage payments were not applied correctly. Apparently the account notes were not enough because the calls kept coming and the customer service reps were not very nice. I offered to send to them proof of payments as proof but they never wanted to see my proof. I stopped answering call because I assumed they would finally find and correct the payment that was not applied correctly. 

I'm very concerned, it has been over 3 months with no resolution. I recently called SPS and ask they were they able to find our misapplied mortgage payments and correct our account and was informed that our account was still past due and our monthly mortgage payment were increased. We are still continuing to make our monthly mortgage payments I ask to speak to a supervisor or manager to help us correct our discrepancy and was informed by the SPS customer service rep there are no supervisors or manager to assist me. I don't know what else to do please help. 
Proof of payments attached. 

SPS Account No. - XXXX XX/XX/XXXX - XX/XX/XXXX Approved Modified Mortgage Payment {$1800.00} XX/XX/XXXX - XX/XX/XXXX Regular Mortgage Payments {$2400.00} Sincerely, XXXX XXXX Mobile ( XXXX ) XXXX Home ( XXXX ) XXXX
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I paid the full remaining amount of my business 's XX/XX/XXXX credit card statement balance. The due date for this statement was XX/XX/XXXX. This payment was made via ACH, and that business checking account has been set up on the Wells Fargo website and used for these payments for well over a year. ( We have also never had a payment get returned for NSF. ) The payment cleared our business checking account on XX/XX/XXXX. As of XX/XX/XXXX, our available credit balance has not been updated to reflect the XX/XX/XXXX payment. From communications with my Wells Fargo business relationship banker, no one internally at Wells Fargo could explain why a hold was put in place on our credit - and no communication has been received on my end. This situation is extremely frustrating and damaging, especially regarding the lack of transparency and follow through on promised follow ups. I don't understand what we have done to deserve this action and behavior.
Consumer complaint received 2022-10-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I just sign into my email and saw Wells Fargo Home Mortgage placed a forced home insurance on my private property that I did not consent to also this force place insurance has recently as 1 week ago refuse to repair water damage done to my property in XXXX just as in XXXX when it wasnt repaired, these are FDCPA, FCRA and Respa and much more violations its also Identity Theft and assumption deterrence act of XXXX and 18 U.S Code 2312. Its unlawful and illegal for Wells Fargo to also place there name on forced insurance and Owner of my private property I am the Entitlement Holder in due course all credits came from me and all debt and interest are owed to me. I didnt give anyone permission to place insurance of there choice thats isnt repairing no way violations violations violations no stop.
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (GA)

If banks can not loan their capital, where did they get the money that they claimed they loaned me from? Why wasn't i fully disclosed the terms and agreements in the retail installment contracts? And why didn't we come up with a clear UNDERSTANDING DEFINITION OF WHAT " MONEY '' is. DID WELLS FARGO LOAN ME MONEY OR DID MY PROMISSORY CREATE THE MONEY THAT THE BANK DEPOSITED IN MY ACCOUNT AND CLAIMED THEY LOANED ME MONEY AND CHARGED ME INTEREST ON MY OWN CREDITS? I WANT A CLEAR EXPLANATION FROM CEO OR CPA ON HOW DID THEY LOAN ME MONEY, WHERE DID THE MONEY COME FROM, AND HOW DO WE DEFINE " MONEY '' IN OUR AGREEMENT?
Consumer complaint received 2021-12-07
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: U.S. BANCORP (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and US Bank XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Nationstar Mortgage Holdings, Inc ( dba Mr Cooper ) purchased my Mortgage from XXXX  XXXX XXXX. 

During the pandemic, I took the option of a loan forbearance offered by 'Mr Cooper '. 

9 days prior to the end of the Forbearance period, they instructed another company - 'XXXX  XXXX XXXX XXXX XXXX - to enter on to my property, drill holes into my house and attached a lock box to prevent my access. 

I instructed Mr Cooper for my payments to resume on completion of the forbearance period, but they have ignored those repeated instructions. 

I have been in constant contact through their XXXX XXXX XXXX ( @ XXXX ) requesting to resume payment following the Forbearance. They stopped responding some time back. 

I've also tried through the secure massage system on the website, and also to each of XXXX, XXXX, and XXXX via emails to confirm the resumption of my monthly payments. 

I have also repeatedly requested Mr Cooper and XXXX XXXX XXXX to to remove the lockbox and repair the damage from the drilling. Mr Cooper says that's the responsibility of XXXX XXXX XXXX, and XXXX XXXX XXXX are saying they're just doing as ordered by Mr Cooper. 

I have the dated letters from XXXX XXXX XXXX and screenshots from the Mr Cooper portal for the Forbearance periods where they send people to lock up my house during that agreed period. 

I'm still waiting to resume my repayments as Mr Cooper won't respond to me.
Consumer complaint received 2021-02-11
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2019-02-11
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. (CA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXXXXXXXXXXXX
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC. (HI)

So I have recently tried to open a checking 's account with Axos Bank and have already called their customer service to have my application cancelled which of course means I have already been denied an account with them as I wanted to do my banking somewhere else. However, I would like Axos Bank to remove me from XXXX so that it doesn't show up on my report and their customer service didn't know what I meant when I tried asking them to have me removed from XXXX.
Consumer complaint received 2018-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (CA)

Gm Financial continued to call me after informed them several times in XX/XX/XXXX and XX/XX/XXXX that I am victim of XXXX XXXX, and I am XXXX. They violated my safety when they called my ex who the restraining order is issued against providing him with my address and asking him if he has seen the car, spoke to me and GM representatives asked him to contact me. I informed GM via email to NOT contact my ex I have restraining order against him and they still continued to contact him. They violated my safety, health and well being of my XXXX minor children.
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: EQUIFAX, INC. (FL)

Equifax, XXXX  and XXXX credit reporting agencies are showing a balance of {$5000.00} with my prosper account. This prosper account has been paid off and the balance should be {$0.00}. I contacted both credit bureaus several times and they have not corrected this problem. Both credit bureaus are in violation of the federal fair accuracy act. I would like my prosper account balance to be corrected immediately.
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NY)

I tried to transfer XXXX XXXX  yesterday evening through Remitly using their express option, and was promised the transfer would go through by XXXX PDT on XX/XX/XXXX. It did not go through yet as of XXXX the next day XX/XX/XXXX where we are in XXXX XXXX This is actually the 6th time this has happened using this service. I reached out to support and had to wait 30 mins for an online chat, and was connected to 2 different reps because they kept disconnecting. I finally called and got connected to someone who's phone service was so bad I could barely hear a word they were saying. They told me the issue is with the bank 's side but at this point we have used both XXXX and XXXX as the receiving account, the latter of which is not even an actual bank it is an instant service, and had this issue regardless. I just spoke with the 3rd Remitly rep and I could barely hear him over the phone but he said there is nothing they can do, we just have to wait until MONDAY. We are stranded with no money the entire weekend and no way to pay our rent. I asked if they could just refund the money, and they told me it would take 10 business days so it would be better to just wait. At this point the money is just in limbo and I don't know if I will ever receive it. I will never use this service again.