davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (CA)

On XX/XX/2020, a debt collection company named Capital Accounts sent a collection notice from the creditor called XXXX XXXX. 

This alleged debt is fraudulently created by the XXXX Office who falsified the procedural agreement between the patient and XXXX  by sending a false statement from what was agreed on the service requested. 

The XXXX  office sent numerous charges that inconsistent and created false XXXX  procedures which was not performed and can be easily proven by another operating XXXX. 

The creditor ( XXXX XXXX ) created a falsified treatment plan in order to increase the amount charged through the patients XXXX insurance and billed 3 different inconsistent patient ledger. 

I have contacted the XXXX  office to fix the issue and still the XXXX  practice ignored the plea and request. 

I am willing to submit additional evidence if requested but will not submit since there's Personal Identification Information within the documents available. 

The collection agency ( Capital Accounts did not verify the validity of the debt through the XXXX  office. There was no procedural process to present that the debt is valid or the amount owed is correct and is still in the process of correction from the XXXX Office. 

The office is using fraudulent billing and collection process in which requires an investigation from a competent authority.
Consumer complaint received 2020-06-23
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 have several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}
Consumer complaint received 2021-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2020-06-23
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 ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant
Consumer complaint received 2020-06-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, my debit card was closed while I was trying to buy groceries. I had used my card 3 times previously ( the same day ) without any issues. After getting home and waiting on hold for over an hour, I was informed Chase had closed both of my savings accounts, credit cards, and closed my debit card without even notifying me of them going to do so. No one I spoke with could give me any answers as to why all of my accounts were closed, just that my account was under review and it was determined that Chase could not sustain our accounts anymore. I'm not even sure what that means. I had tried calling multiple times to Chase, calling XXXX 3 times, and even going to the local Chase branch with no luck. I was advised while speaking to a supervisor at Chase, to go close my checking account immediately and pull my money out because my checking looks like it's the next thing to be closed. My husband and I went to the local branch and pulled the remaining money we had in checking, which isn't much. We are not able to access any of the money in our savings account- which I need access to to pay my XXXX XXXX XXXX this week. We have about {$12000.00} in savings with no access to it. Chase is holding our money hostage and not giving us any answers as to why this is happening. We have been loyal customers for 15 plus years without any issues. We just want our money and will happily take our business somewhere else. 
Also, I am a XXXX XXXX worker, already beyond stressed during this pandemic, and this issue hasn't helped matters for me. It's adding even more stress to an already stressful situation.
Consumer complaint received 2020-06-23
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: I.C. System, Inc. (CO)

An individual with the same name " XXXX XXXX '' who lives in Florida opened an account with XXXX XXXX in Florida. That account was not paid and went to a collection agency, I.C. System, Inc., who then filed a collection for that account under my name and social security number even though it did not belong to me. It is now showing on my credit report. When I called I.C. System to complain and have this removed they could not find an account with my social security number or address but they refused to remove the collection from my credit even though they had no proof it belonged to me. They then had me call XXXX XXXX and XXXX could not find an account under my social security number or address, either. 
Even though they had no proof whatsoever that I was the XXXX XXXX on the account they refused to remove the account from my credit report and informed me that I had to file a police report concerning the incident. I told them that it was not identity theft but that hey just had another client with the same name and they needed to fix their records and they did not care. I have filed the police report and am now filing with the CFPB.
Consumer complaint received 2020-06-23
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)

Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$4500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$8100.00} Highest Balance {$8300.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$8100.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit grantor Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 
Credit Utilization*182.07 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX JXXXX XXXX {$8700.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX  XXXX  Account Type Flexible Spending Credit Card Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$5000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$8700.00} Highest Balance {$8700.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$8700.00} Times XX/XX/XXXX Days Late XXXX Remarks Charged off as bad debt Canceled by credit grantor
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (MN)

I put a hold on my account because i believed someone had logged in and transfered money between accounts and set up a XXXX  account. Unemployment placed a reverse withdrawal from my account and now its negative apprx {$980.00}. I have went to a bank and called to have my accounts closed and to open mew ones and i keep getting referred to the fraud dept and no one has returned my calls.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax reports incorrectly that this account was late XXXX times at 30 days. Equifax fails to report accurate positive payment history but rather NR. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2020-10-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (LA)

On XX/XX/2020, my husband and I submitted a loan application to Wells Fargo Bank so that we could get a prequalification to pursue purchase of a home in XXXX XXXX, LA. On XX/XX/XXXX, we were contacted by XXXX XXXX. We completed the application process, then request a Pre Approval letter for a home to make an offer. On XX/XX/2020 we received a " Preferred Buyer Letter '' from Mr. XXXX for {$170000.00}. Our offer was not accepted, so we continued to look. We We lost on several offers. We then asked for subsequent letters, the last one on XX/XX/2020 for {$250000.00}. On XX/XX/XXXX, based on this letter, we signed a purchase and sales agreement for a {$230000.00} home. We moved forward with our loan application. Our loan was then sent to XXXX XXXX a loan processors at Wells Fargo in XXXX. She never once returned a phone call. She only responded via email, asking for documents. We supplied everything asked for. If we had questions, we sent emails to her supervisor. No one EVER called us. No one EVER responded to an email. I contacted the main office of Wells Fargo several times asking for follow-up. On XX/XX/2020 with no explanation we were told our loan would not be funded. I called and emailed, and no one would explain. I wanted to know the factors so we could find another lender. 

I believe we are the victims of unfair lending practices by Wells Fargo. It appears they did not want to lend in a " redlined '' XXXX neighborhood in XXXX XXXX to an XXXX American buyer. Wells Fargo was deceptive, leading us to believe we were qualified for a home for {$230000.00} since we were given a higher prequalification. I am not sure they had any intention of assisting a XXXX, just checking a box that they performed outreach to us.
Consumer complaint received 2019-05-01
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. (NC)

On XX/XX/XXXX, my wife and I wrote to Equifax, to make the aware that there were errors on our credit report. We identified the errors that were reporting for each of us, and asked them to conduct investigations. Our understanding was that we should expect a response within a month. It has been nearly two months, and neither of us have received anything in the mail from Equifax.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (GA)

I started a refi with better.com. The whole process was pretty smooth except they overcharged my closing cost. I received an email from the company that .5 % surcharge was added to my closing cost because of a new FHA finance fee that was suppose to start in XXXX when I closed the loan. The FHA later pushed that fee implementation past XXXX so I was told on XX/XX/2020 that I would receive a refund of XXXX. After many emails and back and forths over the months and being told we are working on it give it 2 weeks then contact us again if there is still an issue etc etc, I have decided to file a complaint to hopefully get my issue resolved with this company.
Consumer complaint received 2020-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

After finally hearing from Wells Fargo, whom I contacted they reported trying to reach me once in the middle of a hurricane here in the XXXX and no phone or cell service for 10 days from XXXX to XX/XX/XXXX Ms XXXX XXXX. my loan specialist. I see they still have not updated you. She expected to have the issue resolved by today and I am still waiting on a response all I have received are forms, more forms multiple canned letters and multiple canned email responses to my requests, None of which are inline with my original agreement. I will not fill out any forms until I receive a formal response to my original complaint. I will not accept any other then the terms of the agreement already agreed to XX/XX/XXXX and XX/XX/XXXX with the Wells Fargo Rep. Ms. XXXX reports that she would listen to the call and form an opinion on the matter, I do not see how she could be or any wells fargo could be non bias in the interpretation of the conservation. The wells fargo rep " I would strongly recommend .... " and that is the option I took. In addition my escrow account has also not been reviewed as requested. I would like to apply the over XXXX in overages to my account and that would make my mortgage current.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (TX)

I've used Coinbase for some time now, and all of a sudden after I transfer {$1300.00} to my Coinbase account, it gets disabled " temporarily ''. I immediately called their support phone number, but that does nothing as it's a robot the whole time. Contacted email support, messaged them on XXXX, and even wrote a reply on XXXX, and didn't get a single word back or explanation. After searching through XXXX, it shows this has happened to other people. So at this time, my account just sits with $ XXXX in it that was MY OWN money that I sent to Coinbase XXXX It's not theirs, and never was. I'm just wanting to move my funds elsewhere now, and close my Coinbase account. This is not fair how they treat paying and loyal customers.
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ORG GC GP BUYER, LLC (GA)

A lady name XXXX XXXX from GC Services keeps harassing me and my family about my Federal Student Loans even though I told her that I have already went through the Obama Program to consolidate my loans and they should be paid off soon by the consolidation program that I went through. She keeps calling my cell phone and home phone everyday trying to make me consolidate my federal loans with her and her company when I have already consolidated with another company. It 's to a point I ended up blocking the number that she calls from. Then once she figured out that I blocked her, she went and looked up my niece information who has nothing to do with my loans and she is not even a co-signer on my loans either and she called her cell phone asking does she know me, does she have any contact information for me. My niece told her, '' Yes, I do know her and no I am not giving out her information. '' When my niece told me that, I was very angry that XXXX XXXX started harassing my niece.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$1000.00} XXXX, {$720.00} XXXX XXXX XXXXXXXX, {$7900.00} XXXX XXXX {$2800.00} XXXX, {$740.00} I looked at my credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-02
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. (MA)

Annual check up of my files was unable to get my XXXX XXXX or Equifax report both making all kinds of reasons for not getting past go. Equifax keeps asking questions that do not belong to me and make me think I have Identity problems ( student loans and jewelry loans )? Never had them so i can not get my report. XXXX XXXX on the phone and online, nothing. " We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. '' On the phone was timed out with over and over details ... over and over now have to refer you to another department to do that all over again??
Consumer complaint received 2020-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA (CA)

I have had this loan for almost 3 yrs. I am about 3 months from paying it off. My payment due date is XXXX of each month with a 15 day grace period ( XXXX of following month ). I have always took advantage of the grace period paying between XXXX or XXXX of each month. I went to pay online yesterday, to pay for XX/XX/XXXX due date and they had my account locked so I could be not pay online or via automated system to force me to speak to their loan officers. I remind you, technically, Im not late until after the XXXX. They call me constantly harassing me as if I'm in default when I'm not. I have paid every month on time. They have no business altering my account to prevent me from paying online. Again, after paying this way and date for almost 3 yrs, now they are trying to interfere with me from paying this way.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Continuously blocking my debit card, my PNC visa credit card and now will not allow my bank account to connect to XXXX XXXX. I have tried making SEVERAL purchases! On different site. I have called at least 5 times to have the problem resolved. I tell them I want purchases to go through. They say they reset everything and it should work and it keeps happening. This is my account and cards. I have proven my identity multuple times!!! What is the point in having an account if they refuse to allow you to use your money and block purchases!!
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (WA)

Was promised by Wells Fargo that I qualified for 10.1 % downpayment on jumbo loan. In fact, I received a pre-approval stating as much. I shopped around at other banks and those required a 15 % downpayment, so I chose Wells Fargo. About one week after the offer had been accepted, WF stated that the downpayment would need to be 20 %. Needless to say, on a sales price of {$900000.00}, this made a huge difference and because of the post-cash liquidity requirements we were forced to make withdrawals from our IRA in order to keep the deal. In the ultra competitive real estate market in XXXX, I could not stop the accelerated close process and switch to another bank. WF could never give me a good reason why I no longer qualified for the 10.1 % downpayment, but blamed it on the underwriters. I heard of the exact same situation happening to an acquaintance of mine in Indiana. I believe WF knew we had the retirement assets at our disposal and changed the downpayment after we selected them. I also believe this is a typical practice by WF and is typical of their shady practices when promising XXXX thing and delivering another.
Consumer complaint received 2020-07-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GCFS, INC. (CA)

I took out a payday loan with XXXX XXXX back in XXXX. I defaulted on the loan because the payments were high and I could no longer afford to pay it. The interest rate was astronomical. I believe it was 126 %, but I'm not too sure, as that was almost 20 years ago now. 

The debt was then purchased by GCFS, Inc. GCFS , Inc has obtained judgment against me and now they say I owe {$7500.00}, even though the loan I took out was for {$2500.00}. They constantly call me, and my relatives, asking where I'm located so that they can serve me with court documents. I was afraid, so I called them back and made a payment plan of $ XXXX/month as that's all I could afford. I began doing some research, and the state of California, where I live, used XXXX XXXX  due to it's predatory loan practices and high interest rates. XXXX XXXX was ordered to pay fines and also to repay some if it's consumers who had taken out the predatory loans. I believe I fall in this category, this debt is almost 20 years old and it's not fair that I have to pay back almost triple the amount of the loan. 

I tried to settle with them for {$2500.00}, the original loan amount, but GCFS, Inc. Will not settle with me. They'd rather garnish my wages during a time that Covid-19 is happening. They are harassing me, and won't allow me to settle for a lesser amount. They are also threatening to garnish my wages in XXXX for a XXXX debt.