davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Subject : Request for Removal of Disputed Inquiries from Equifax Credit Report Dear Equifax, I am writing to formally request the removal of several inquiries from my credit report. Below are the confirmation numbers and dispute details : - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX Despite submitting these disputes, I received a letter from Equifax dated XX/XX/XXXX, stating that you do not have my credit report. I find this information incorrect as I previously disputed inquiries. I kindly request that these inquiries be removed immediately, and that an updated credit report be mailed to me as soon as possible.

The inquiries in question include : - XX/XX/XXXXXXXX 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 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 Please correct my credit report and update the status of these inquiries accordingly.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I filed a complained to my mortgage service co on their web site about the Escrow Disbursement of {$2700.00} XX/XX/XXXX due date XX/XX/XXXX which was not showing to whom it was paid. Already all the taxes and insurance paid is listed. I did received the email from them receiving the complaint on XX/XX/XXXX The only response Till now I received a letter dated XX/XX/XXXX stating the matter has been referred to the XXXX XXXX , XXXX as owner trustee.
Consumer complaint received 2020-06-19
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: Synovus Bank (NJ)

On XX/XX/2020, my payment was received late. I explained to the credit bureau and XXXX XXXX  that my payment was late due to an error. XXXX XXXX didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

Rude, Kept calling, told me I was lying. Very disrespectful. Over a house that I lived in but had to move due to unsafe living environment- I was exposed to mold. I made the property owner aware of the mold. However, he did nothing to resolve the issue and stated that he couldn't afford to do clean up and needed to sell the house. I told him that we would have to move and due to issues. He asked if I was seeking legal action- I told the homeowner " No '' I just need a safe home that is sanitary. I did inform him that I would not be paying him anything due to having to move not by our own choice but rather than for health reasons. I have been out over {$45000.00} in medical expenses- various XXXX, XXXX. I was diagnosed with XXXX  on my XXXX XXXX XXXX due to XXXX XXXX. I have seen a XXXX, and take medications daily as a result of exposure to mold while living in the property. My monthly medications cost {$800.00} alone! I get a rude demanding phone call from a collection agency the first I've heard. Stating I owe {$23000.00}!!!!!
Consumer complaint received 2020-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (GA)

This complaint is on behalf of numerous customers who have loans with security finance in XXXX ga. Specifically the branch manager a Ms XXXX XXXX has used threats of legal action, legal charges being pressed against consumers and garnishment as a means of collections. When making collection calls This employee suggests and eludes to the fact that this matter is one of an urgent nature about a business matter in XXXX County and the customer must contact a Ms XXXX before XXXX, leading people to believe this is a legal matter involving police. This manager has forced optional insurances on consumer loans and told customers they are required by the state of ga and they must accept them in order to get the loan. This manager discloses personal details to third parties regarding accounts of customers. She has continually called references and places of employment under the pretense of verifying a past due customers employment and then asking who is in charge of payroll and garnishment and who would she direct such documents to. This type of collections lets a third party know that the employee / customer she is calling about is potentially facing a legal issue or possible garnishment of his or her wages.
Consumer complaint received 2020-06-15
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: Experian Information Solutions Inc. (KY)

XX/XX/2019 / XX/XX/2019 there are 2 inquiries from " XXXX   XXXX '' and XX/XX/2019 / XX/XX/2019 2 inquiries from " EXPERIAN XXXX XXXX '' that i do not recognize or have authorized. i have filed many reports with them stating the inaccurate info and they have failed to remove this from my report.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I checked my report and the negative input for wells fargo should of been corrected from my understanding .It was a mistake on their part and not corrected .I still do not agree with the way and amount the bank gave back.And here it is a long time later and im still fighting this?
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

On XX/XX/20 I made a payment of {$150.00} towards my citi Best Buy credit card. My balance at the time was {$350.00}. After my payment it brought my balance down to {$250.00}. Again I made this payment on XX/XX/20 via ACH transaction from the same bank account that I make all of My recurring payments on time every month. 

On XX/XX/20 I tried to use my credit card for the first time in a month and it said I didnt even enough credit. I called citi credit card services and asked why my payment or funds werent available and they refused to make my funds available.
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (MI)

I have been writing Experian letters since XX/XX/2020 ( 8 letters ) disputing XXXX XXXX  on my credit report. The account is not mines never was. They never sent any prove it was mines when I asked they always send same reply its verified. The question is how is it verified when XXXX  and XXXX both removed it from my credit reports saying it could not be verified but Experian keeps saying something different. I even sent them the letters from the other agencys showing they could not verify the debt and that they was removing it.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (CA)

A credit card was opened under my name with XXXX without my knowledge or authorization. I disputed this card with Experian and the dispute closed with Experian stating that the card wont be removed from my credit report-even though I stated I never opened the account. I contacted XXXX as well and was told no account was created under my social security or name-yet it is still being reported to Experian. My biggest concern is having someone use the card and the charges affect my livelihood.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

This bank is crazy after allowing me to open a checking account they blocked my debit card I cant use my account I dont understand them why they like to bother me I have done nothing wrong for no reasons they like to bother they have nothing to do the branch called me said they spoke to their Backoffice and they told me to come they opened my account ordered my debit card and checks the account was active and fine and all of a sudden its frozen
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AE)

I am contacting you for assistance with a removal of erroneous late payments on a closed account I had with XXXX. I have been with XXXX since XXXX, and the former XXXX accounts was reported to be late for the first 3 months in XXXX on my Equifax credit report. This company has not been my servicer since XXXX. I would greatly appreciate your assistance in helping me to correct this false derogatory information as it is impeding my ability to apply for mortgage credit. I attempted to chat and call a fedloan representative but neither were helpful. My account number is XXXX. Thank you.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing this due to non-compliance with the CRA ( Experian ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have dispute this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Beginning of XXXX i opened an account with capital one. On XX/XX/XXXX i reported to capital one that a duplicate transaction of {$200.00} took place and that i needed to be reimbursed the duplicate amount of {$200.00} back into my account. On XX/XX/XXXX I get a notice in reference to this issue. I called and was told that my account is restricted. On XX/XX/XXXX capital one refunded back the {$200.00} into my account but penalized me. On XX/XX/XXXX and XXXX I spoke to numerous agents. Neither could give me an accurate answer. Finally I was told on XX/XX/XXXX that capital one was going to close my account. I did nothing wrong in this account. I felt that I have been mistreated and accused unjustly. Can you please help me.
Consumer complaint received 2020-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (CA)

XXXX & Wellsfargo. WEllsfargo worked with other shareholders of my company to keep me off a PPP loan now I can't even apply for one on my own for my own personal companies. I also can not apply in compliance with Reg B
Consumer complaint received 2020-06-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (GA)

I borrowed money from the Lending XXXX in XX/XX/XXXX, {$17000.00} to be exact. They automatically withdrew {$550.00} from my XXXX  XXXX XXXX checking for 14 months. Totaling close to {$8000.00}. I refinanced my house in XX/XX/XXXX and I paid off this account. The mortgage company sent me a pre made check to the Lending Club. The amount was actually more than was owed. I called them before hand and explained this to them, and they said they would send me the refund. The amount I overpaid was {$1300.00}. I have called them over 30 times and explained this situation, and at the beginning they said they already sent it to me in my XXXX XXXX account on XX/XX/XXXX. I have never had a XXXX XXXX account! Never! I continue to call them daily with promises of a return call, and I never hear from them. I have sent them my XXXX  XXXX XXXX banking statements proving that I never received it. They put the direct deposit into someone else '' s account and do not want to accept the blame for that. The {$1300.00} is mine and I could certainly use it as my salary pay at my employer has been decreased by 30 % during the Covid19. If you could in someway help me, I would really appreciate it.
Consumer complaint received 2020-06-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

United States Department of Education continued to garnished wages for the amount owed for quite some time. If the debt is being satisfied according to DOE why the negative reporting? Reporting is a violation of FCRA. Requesting removal of negative reporting as this continues to decrease credit and creditworthiness.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

I purchased two tickets for a flight on my Chase credit card using Chase reward point and charge to card. 

The flights were cancelled. 

In XXXX I contacted the credit card issuer to provide a refund. Despite numerous calls this has not happened.
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I was unemployed due to covid 19 hardship and now am facing hardship with my mortgage payments. I'm also considered high risk with XXXX XXXX  that could make me very XXXX if i end up getting XXXX XXXX  which makes it harder. 
XX/XX/20 I called shellpoint to ask to give me 180 days of forbearance under the CARES ACT with an option for another 180 days. but they were clueless and were asking for bank statements ( which they shouldn't have ). Please HELP
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$3000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (FL)

On XX/XX/2020 this new alleged collection account appeared on my credit report. I didnt receive anything in writing about this debt. I have no knowledge of this collection account this account do not belong to me.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one Card was paid in full and locked with XXXX balance. Then, a new charge appeared of {$6.00} when card Balance was XXXX! The First customer service Lady stated she couldnt find out why the card was charged. The ( 2nd ) operator said they will not take off the fraudulent charge, upon talking today. This is a no fee capital one card!
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (MO)

We are attempting to move mortgage loans from BSI Financial Services to another lender. For over 3 months we have been attempting to get BSI Financial Services to provide payoff information, book and page deed of trust for all of our properties. This information is critical for the the title company closing process. BSI is repeatedly not providing this information to our new lender. We are in danger of losing the financing and the months worth of work spent on this process. They have also charged us excessive late fees. A letter from a our attorney was sent to BSI Financial Services disputing the charges. We attempt to escalate to a manager and no one will talk to us or return our calls. The loans have matured but BSI Financial Services will not allow us to move to another lender. I spend at least 8 hours a week on the phone with BSI trying to resolve this issue. This is bizarre behavior.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX a scheduled payment of {$93.00} was sent to Capital One to pay the minimum balance for my credit card. The payment was returned for NSF as I was in the process of transferring banks. I was not notified, called, emailed, or reached out to about the payment rejection. I did not know that it was still linked to my old bank account and not my new account ( account closed due to fraud ). In XXXX my payment was rejected again, this time I was sent an email that stated it was rejected and then I received a notice from credit monitoring that my score had dropped. They put a 30 day late for the XXXX payment I was not notified about. I attempted to re-mediate the issue with capital one and they asked I dispute it but that it falls under FCRA and will remain. I have also not been notified of adverse action or information being furnished to an XXXX. This is in direct violation of the FCRA, Capital One has a due diligence requirement to notify their customers of adverse action, and payment issues. Despite having the app, and them having all of my contact info unchanged for the last 7 years they failed to notify me. 

They have failed to fix the situation and are asking me to go through a long dispute process. They refused to provide email or contact information for any individual or supervisor that could help with the process. They refused to provide an email for their executive offices stating there wasn't one.