davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
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. (VA)

Equfax doesn't verify my information. Even I sent them a proof but they sent me a template letter. This account is not mine. They have to DELETE it XXXX XXXX XXXX- XXXX
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (GA)

XXXX is reporting inaccurate information on my credit file. I submitted a dispute to Experian and XXXX with regards to this matter and they are still reporting inaccurate information to my credit bureaus. I do not have any obligation to pay this company. I have requested proof of this debt from this company XXXX. As of this date. I still have not received any proof that this account belong to me. I have disputed this matter over and over with Experian and XXXX and they have not deleted this inaccurate reporting from my credit file. I am asking you for assistance in getting this matter resolved.
Consumer complaint received 2016-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (TX)

I have student loans with Granite State Management and Resources. When I look at my statement online, the loan appears in XXXX groups. I sent an amount slightly higher than the balance of Group XXXX to completely pay it off ( in addition to a regular monthly payment ). I had no past due amount. I submitted instructions in writing asking the lender to apply the amount in excess of the regular monthly payment to the principle of Group XXXX to completely pay off that loan balance, which would leave me with just XXXX loan. Additionally, I spoke on the phone with a representative and confirmed my instructions. The representative said that my payment would apply as instructed, paying off XXXX of the loans. Next month, I checked my account history and saw that my payment was NOT applied as instructed, but instead was applied to XXXX loans in percentage ( more money went to the principle of a higher balance loan, and less money went to the lower balance loan, which is the XXXX I attempted to pay off. After calling the lender again, a representative said that they are unable to follow my instructions for payment and can only apply my payment to XXXX loans. I asked how they determine how much to apply to each loan, and the representative said that it was up to their ( the lender ) discretion. You will notice from the attached documentation that at the time of payment, I received and was able to print a receipt form Granite showing the entire amount being applied to Group XXXX, but in reality it never happened as you can see from screen captures of my payment history and current account details. My written instructions, which I have submitted to Granite a day before the payment, are attached to this complaint as well. The statement contradicts my rights to instruct a lender on how to apply my payments, and allow me to repeat that I had no past due payments, and I sent enough funds to cover any current payments and interest on XXXX loans in addition to the payoff amount for the specific loan. The lender refuses to follow my instructions for payment application.
Consumer complaint received 2019-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

ace cash express are contacting my family and telling them I committed bank fraud and will be throwing me in jail. XXXX, the manager in the office told me they will serve me papers today if I dont pay in full. When asked about my rights, she hung up on me. They are contacting family in other states, that I dont even know and telling them this business.
Consumer complaint received 2019-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

I applied for Oregon homeowners stabilization initiative and submitted the application on XX/XX/XXXX with XXXX XXXX at open door nonprofit counseling. I have to submit a third-party agreement for both my first mortgage and this equity loan which I did. I even have an email from XXXX stating that he had filed the application. I received a letter dated XX/XX/XXXX from Wells Fargo NA That they were contacted by Oregon homeowners stabilization initiative they also stated they didnt get a third-party agreement. I received a letter from Wells Fargo dated XX/XX/XXXX stating they did get a third-party agreement in regard to my first mortgage. Funny they were sent the same day all the sudden the equity loan has disappeared that third-party agreement it appears. Thinking that they had gotten both third-party agreement and who wouldnt I went on with the process. I was contacted by XXXX XXXX on XX/XX/XXXX that I had been approved for this program also known as OHS I. We arrange for me to come out and signed the papers the following Thursday, XX/XX/XXXX. I brought a friend of mine with me who actually drove because I am XXXX and was extremely stressed over this whole process for the last two years. I signed the papers but when I got home I read them again. First of all it said I would have a week to review them that wasnt true I had 15min. After reading them I didnt recall seeing anything about the equity loan I am mediately sent an email to XXXX that same day. I then received an email back song and dance again similar to what I had received three months ago stating they werent sure if they were going to pay that one but I was told three months ago they would. Now Wells Fargo has continued with trying to foreclose upon my home with a second equity loan. I also received a copy of my XXXX original award letter going back to XX/XX/XXXX retro date XX/XX/XXXX. The importance of this award letter is that nobody believe me that I was XXXX and was abusing psychologically my mental ability and stressing me out even though I told them I couldnt endure stress I asked for an advocate I was ignored I have been psychologically abused for months by this company and their manipulation lack of acknowledgment of anybody belonging to the XXXX or XXXX XXXX  XXXX act. Now Im afraid once again Im going to lose my home even though I have made every attempt I could to get the papers Sent with my XXXX that no one even cares or at knowledges. I have sent email after email I have documented screenshots PDFs everything you can imagine please help me protect my home thank you
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (NC)

U.S Bank paid out settlement monies, twice, in regards to a lawsuit. Whenever the monies came due, the bank finalged with my account costing me close to XXXX in overdraft fees. I get SSI, 733 monthly. I called to check my balance and it was good, soon as I used my card the bank withdrew money from a bill from two weeks prior which led to several overdraft fees. The same thing happened with this last settlement payment. This bank is using our money to help pay their settlement judgement.
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

In XXXX XXXX, the XXXX XXXX XXXX XXXX, XXXX. 
Opened an Account at the US Bank to Host a Conference and addeded the XXXX XXXX 's officers as co-signers on the new account. 
We requested at that time to honor only those checkss with XXXX signatures on it. Unfortunately, XXXX of signers opted to act as a long ranger and went to various USBank and branches and withdrew {$10.00}, XXXX during a period of 22 days. No one at US Bank bother to notified any of the other XXXX signatories on the account. We asked why it was allowed, we were told that she is XXXX of the owners on the account. We were also told that 's not their policy to monitor and/or check for XXXX signatures. 
I requested a copy of the original signature card to verify that we requested XXXX signatures on withdrawnals USBank never disclosed to the XXXX originals signers that they could onlyhonor only XXXX signers. Had that disclosed to us initially, we would have opted to go to another banking institution. 
It has been five days since we made a request from USBank to no avail. The only print out we received from USBank was on XXXX/XXXX/XXXX with XXXX XXXX and XXXX XXXX name on it. 
It has been 5 days since we requested the original signature card from US Bank to no avail. 
The only document that was given to me was that of XXXX XXXX, XXXX with XXXX XXXX and XXXX XXXX signature on it and the below resolution on it : Resolution of Non-Profit Association, Lodge, or other Similar Organization ( continued ) Authority to open accounts, make deposits, and withdraw funds ( Must have XXXX signatures to withdraw funds ) - The XXXX XXXX XXXX. 
Point # XXXX : To the extent that they only could produce the authorization of XXXX signatures ( XXXX XXXX & XXXX XXXX ) how could they officially know that XXXX was authorized to withdraw money from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account without any proof on file? 
Point # XXXX : The XXXX XXXX XXXX ) original signatures ' cards not available with XXXX XXXX, XXXX XXXX and XXXX XXXX names on it. Banks should be able to produce the original within hours of customer 's request, if not on the spot. 
XXXX # XXXX : US Bank never disclosed to the original XXXX XXXX XXXX ) signers that they would honor only XXXX signature on checks written. The reason why the XXXX XXXX XXXX XXXX allowed both XXXX XXXX XXXX XXXX XXXX to be authorized to sign jointly with both XXXX XXXX or XXXX XXXX to ensure accountability. 
Point # XXXX : The XXXX XXXX left US Bank On XXXX, XXXX with the impression that No one signature would be allowed to withdraw funds from the bank account that was set-up especially for the XXXX XXXX Conference under the XXXX ( c ) XXXX non-profit belongings to the XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

Per Original CFPB Case # XXXX, Equifax has yet to comply w/ my XXXX/XXXX/XXXX request to move the 'Consumer Statement ' ( which will expire on XXXX ) from the top of Accounts section to the XXXX XXXX XXXX ( XXXX ) account which it references. The XXXX/XXXX/XXXX request also asked that the XXXX/XXXX/XXXX letter supporting same be added to the XXXX account entry. As was the case when originally submitted, Equifax has refused to process the online dispute request as submitted. 

With respect to the forgoing, I have subsequently asked Equifax to provide the following : a ) Credit File documentation confirming the above request has been satisfied And/Or b ) Credit File documentation confirming that the XXXX is no longer being reported ( as is the case w/ other credit reporting agencies ) Although the request was reiterated in my XXXX/XXXX/XXXX letter to Equifax Personal Solutions President, XXXX XXXX ( attached ), the company is yet to respond.
Consumer complaint received 2016-12-12
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

I recieved a preappoval letter from OneMain Financial in XXXX. I then applied in XXXX and was approved pending bringing in a vehicle title for my XXXX. Because of the holidays it longer than expected to get my title. Once I received the title I applied for the loan from OneMain. I received inconsistent statements from the loan agent XXXX at the XXXX, Indiana location. It was decided that I needed to reapply after paying off a certain payday loan company. I then filed a complaint against this loan agent direct to the company. I sent the complaint to the company on XXXX. On today 's date I received a letter from the company stating I had been denied credit which is not true. I was approved and cleared any credit requirement. ***I also have a current loan with this company and my credit score has since improved substantially. The letter to me was just a retaliation because of the complaint filed against this loan agent. ***Again I am current customer of this lender. In addition, this loan agent or company maliciously stated that my credit score was a XXXX which is false information as shown by the attached file.
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TENET HEALTHCARE CORPORATION (FL)

First i called to see about doing a settlement payment agreement so we can pay off the balance. they refused to work out any deal with me that i can afford. then the agent made a threat saying they will come to my house and arrest me if i dont pay it now. i hung up after i said i will contact the consumer fianance protection. they are rude and are not willing to work with customers. I will not pay the full amount i dont have it and cant afford.
Consumer complaint received 2024-08-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

XXXX XXXX homeowners assistance program from XXXX bank to get in forbearer program for 6 months. people in hardship program said I am qualify but have to be ask 3 months first. I got for 3 month and on XXXX they send the XXXX and partial claim loan to pay at the back of the loan or after 30 years. On XXXX I called to ask other 3 months and yes they said ok for extension forbearer and people said you will be get other partial claim loan when the end for sure. this time today I got letter, that no partial claim list XXXX your mortgage loan by making the missed payments in full to bring your loan current, or XXXX to a loan modification, which will restructure the terms of your original mortgage agreement provided you qualify, or XXXX to a written repayment plan for making the missed payments that will bring your loan current over a specified period of time provided you qualify. 
If you are not able to take XXXX of the XXXX actions above ( loan reinstatement, loan modification or repayment plan ) by XX/XX/year> ( your forbearance termination date ), we XXXX continue collection and/or foreclosure proceedings. I donot want it I want partial claim because I can not paid more than the my monthly payment. I didnot want forbearer go more then 6 months if I signed XXXX of XXXX. I will lose my house or hard to living in my own home. and my problem is I lost my leg and I am XXXX person on last year, and I can not work. I need help to due with my bank mortagate that XXXX greedy, trick and lier.
Consumer complaint received 2016-07-06
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Keynote Consulting, Inc. (CA)

I was contacted by keynote consulting a Collection Agency regarding a medical bill from XXXX XXXX. I was in collections for this unpaid from XX/XX/XXXX which I was not aware of. I requested Keynote Consulting provide additional documentation to validate the account in collections. They did provide the information regarding the medical visit and it appeared to be legitimate. After discussing the payment options with the agent XXXX XXXX. It was agreed that we would pay the {$400.00} balance in 3 payments. While discussing my options with XXXX it was made clear to me that bye clearing the bill up under the agreement, there would be nothing reported or that would affect my credit with the Credit Reporting Agencies. I did provide Keynote Consulting credit card info to charge off my account and they did as agreed monthly. 
On XXXX XXXX, I was alerted by the Credit Bureaus that Keynote Consulting had reported me as delinquent to all the Reporting agencies XXXX, XXXX, and XXXX. 
I contacted Keynote Consulting and spoke with XXXX XXXX the original contact. 
He first refused to allow me to record the conversation for my clarification purposes. 
I inquired as to why they would report this to the credit agencies as we had entered into the agreement to pay off the balance. I made it clear when we had discussed the bill that under no circumstance will I allow this to be reported, and I will make any arrangements Keynote Consulting allows, in order for that not to happen. 
XXXX XXXX, kept explaining to me that the Burden of Proof of our conversation ( which was recorded ) is on myself. He also explained what a degenerate I am for not paying a bill for XX/XX/XXXX. 
Finally he told me straight up that they will not rectify the damages caused by them and to take it up with the Credit reporting Agencies. 
These acts taken by Keynote Consulting are a violation of the ethical codes set up to Govern Collection Agencies, and has been detrimental to my entire families ' survival and livelihood. It is urgent that the Attorney General gets involved and makes sure other individuals are not taken advantage, misled, lied to, disrespected, and put into a compromising situation from harassment. 
I do have a record of all calls, and detail of the entire transaction history with Keynote Consulting. 
I have provided the information to private legal counsel as well to assist with recommended actions.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is improperly sharing my report and improperly allowing people to open accounts in my name despite me placing a fraud report on my account and doing as they asked which is provide a notarized statement saying the inquiries are unauthorized. They refuse to remove the inquiries.
Consumer complaint received 2024-11-03
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. (NC)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX. XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. 
This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thank you.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC (OH)

Certegy Check Services {$410.00} XX/XX/2019 Merchant who uses Certegy service- XXXX XXXX , Kentucky They declined a check at a merchant when there were sufficient funds to cover the transaction. Upon being questioned why the check was declined they refused to give a legitimate answer the only answer they could come up with was that the transaction was denied based on the possibility that the computer algorithm they use deemed it necessary. They went on to further say that this had nothing to do with my credit worthiness or my account balance. This is a fraudulent service that uses no basis for their facts. And then they went on to further say that there was no way possible for them to reverse the actions that they have done by denying the check. Please shut this company down and protect the American public
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It instructed me to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?