davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # : XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account has been open since XXXX XXXX XXXX.
My boss made a payroll deposit XXXX XXXX XXXX by BANK TRANSFER. This procedure took 3 business days, so we tried to do a PICTURE UPLOAD of his check the NEXT pay period.
This took place XXXX XXXX XXXX  and the funds were transferred OUT of his account that very night., and made available to me the next day.
This only lasted a few hours, because they FROZE my account for suspected FRAUD!
I did speak to a security team member who told me they were automatically closing my account and they would send me a check for my funds in 5 -10 business days.
Being a credit card customer for years did n't make a bit of difference, even after I tried to explain the deposits and offered verification for this.
After useless follow up calls and faxes, it is now 2 full weeks later, and they have not fully closed my account OR sent me a check with MY MONEY.
After each call, all they tell me to do is leave a message with the team ( intake only ) and they will call me back ... well I DO, but they DO N'T.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2017-06-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

Years ago I purchased a vacuum from a sales representative for the XXXX XXXX. We arranged a payment plan for me to pay off the vacuum and after making the final payment the representative returned with a new model and told me that he would exchange the older model for the new one and included a 2 year warranty. How ever I was told I would still need to make payments on the new model, so the representative gave me a new payment plan for the new model without subtracting the cost of the previous model I had already paid for. I continued making payments on the new model and after a few months the vacuum had stopped working. I contacted the representative who told me to contact another number who told me to contact another number and so on until eventually I was told to contact the company. After coming into contact with the company and explaining that I was still within warranty the company refused to replace my model or repair it. I told them that I enjoyed their product very much and that I 'd be more than happy to continue making payments, but that I would not resume making payments if they refused to honor my warranty. At that point the representative on the phone made vague threats about this damaging my credit score and/or having me arrested.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I opened the checking account with Citizens bank in XX/XX/2023. At that moment, I was told by the Citizens Bank website that there's a welcome bounse if I open a new Citizens Bank checking account and receive at least XXXX direct deposit of {$500.00} or more within 60 days to earn a {$300.00} bonus. I met the requirement in XXXX XXXX then waiting until now. The bonus never credit to my account. After talking with Citizens bank for several times, they always say they're still investigating. I wait for 6 month and no update.
Consumer complaint received 2017-08-31
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. (GA)

On My Equifax credit report My loans are listed as closed as of XXXX XXXX 2017, however I tried to secure a personal loan at my bank. Half of the loans had a XXXX balance the other half still had the dollar amount listed. Even though they were closed my bank refused the loan, my question is why do half of them still list an amount as owed? I applied for XXXX and was awarded it ( that 's the reason they were forgiven ) please contact me at XXXXXXXXXXXX with any advice you can give.
Consumer complaint received 2015-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

The end of XX/XX/XXXX I submitted a payment for XXXX to NationStar, they received the check-they had a scanned copy, however they did not apply it to our account. I received the XXXX statement from them and was then made aware of the problem. This went back and forth calling, them not responding and calling, leaving messages until XXXX. I finally spoke with a live person-XXXX on XXXX XXXX. She said she did see the check, but it was not applied to our account, so she was going to investigate and I was to call her back the following Thursday. She said if they did not 'find ' the check we would have to do a stop payment, but would be reimbursed all fees from our bank, because it was their error. Also, she said they would remove all penalties and fees we had added to our account. I was going to make XX/XX/XXXX payment to next day, but she said she would do a check by phone, at NO CHARGE because of the problems we had been having, she said that way we knew starting with XXXX we would be ok. The following Thursday, XXXX XXXX I tried calling her, I left numerous messages as did my husband. No one EVER returned any of our calls. 
On XXXX XXXX I did a stop payment on the check for XXXX. My husband talked with XXXX in Customer Service XXXX XXXX and did a check by phone to clear XXXX. 
However, when I went online to check the account it was still in arrears! 
Since XX/XX/XXXX they are taking the payment, then reversing it back out! 
So, the fees/penalties continue to add up. We have called almost daily and no one will return our calls or do anything to help us. All they say is they will investigate, then send a letter saying we are behind, when are we going to get the account current????
Consumer complaint received 2017-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX XXXX XXXX transferred {$1000.00} from Wells Fargo bank to me for her rent. Wells Fargo linked the payment to my email address XXXX which resulted in chase bank rejecting the transfer of funds because I have no account with them.and surely sending money to an email address can not be a sound or legal practice. I have called the bank 7 times been on hold and calls for over 2.5 hours and conferenced called with XXXX and XXXX from the XXXX XXXX AZ branch. My renter, XXXX XXXX, has visited the branch three times made multiple phone calls. She told me that the branch said it was my fault and I needed to figure it out. I asked for the district manager to call me XXXX XXXX which he never did. I received a call from XXXX XXXX executive office for online banking instead who told me I need to call a clearing center and wait 10 more days. Meanwhile I am being charged {$25.00} per day NSF by my bank. There is over {$1000.00} floating around in cyber space and Wells Fargo will not pay me or rectify the situation. Wells Fargo is putting the responsibility on me to call chase which I did, to call clearinghouse, to communicate between Wells Fargo online banking and branch management and I am not the banker. I am not employed there and I have called and done everything I can. Then a private note was forwarded to me that the banker made saying I 'm not cooperative, which I have attached and it makes no sense ( the comment ) in general. I did everything I can and it is not my tesponsibilty to find the money because according to XXXX it never left Wells Fargo. Please help.
Consumer complaint received 2017-08-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (SC)

I called Nelnet because I 've been paying on the loan for 3 years it seems like the payment is n't going down at all so I asked how do I fix it. I spoke to someone they told me to pay more on the account and I am but I still do not see much progress. I dispute it ( XXXX XXXX ) because I do not think the information is correct and now I put my account in an deferment status. I 've also asked if they had a program if it was paid in full will there be some discount I was told no settlements are allowed.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

They Call me constantly to tell me my mortgage is late because it has n't been received by the XXXX of the month. But it has a grace period and the payment is always paid within that grace period and is never late. We are being scammed by them in an effort to force us to sign up for automatic withdrawals. Our mortgage was sold to them from the original bank we had our mortgage with for XXXX years and we never had a late payment. This company is crazy. They call us almost everyday and are now harassing us at work for a mortgage that had been paid. We recently mailed the payment and they called us to say they never got it. I had to stop payment in tje check and am now being told because it really is late now there is a late fee charged. Please help us.
Consumer complaint received 2017-06-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (KY)

I have been contacted by Diversified Consultants in regards to XXXX. XXXX XXXX never reduced my bill the amount that I was told for 3 months straight that it would be by switching to their new owner XXXX I switched to a new company for cable service due to this experience. I told them that I do not owe the final amount based off what my payment should have been. I have been receiving up to 5 phone calls a day from Diversified consultants. I explained the situation and that I would be paying the final amount due to the error in billing. The agent became loud and derogatory. I asked that I not be contacted again in regards to this matter. I receive these phone calls every week Monday through Friday while I am at work.
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

The Montgomery reward account was closed in XXXX and I had somebody that was working on my credit. They reopened it again and decided to add more funds to this account. I feel I should not have to pay XXXX because that is what I was approved for. And now its passed due in XXXX they added more money to the account and said it was someone elses account. Please I just want it off my credit report
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OK)

I paid {$32.00} on a XXXX party website to receive my Equifax report, considering that Equifax has locked me out of my online account for almost 2 years, and I have a security freeze as well. I received my credit report and clearly, Equifax has violated FCRA 15 USC 1681 and 15 USC 1681b in multiple ways and on multiple occasions. Citing 15 USC 1681b ( a ) subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. Equifax repeatedly provided multiple credit reports to the agencies/finance companies listed in the attached letter mailed via certified mail today # XXXX XXXX XXXX XXXX XXXX. In XXXX of 2022, I experienced a home invasion and theft of all identification documents in my wallet. I put faith in the security freeze ; however, based upon these hard inquiries Equifax has largely ignored my requests. Previously, I have disputed over XXXX hard inquires on my report with a credit freeze. My previous complaints document those disputes. I never gave my express consent to furnish any credit reports to the list of hard inquiries. Additionally, according 15 USC 1681 clearly sets out that credit reporting agencies inaccurate information greatly affect the consumer. Equifax has denied access to my credit report and insists on reporting inaccurate information. The attached demand letter has been mailed to Equifax today via certified mail. I am attaching screenshots that reflect that I am barred by Equifax from viewing my credit report. Repeatedly, Equifax has responded to me that they will get back to me within 60 days and there has been XXXX resolution. They responded to CFPB Complaint # XXXX that the logon issue was resolved which was misrepresentation, based on the next CFPB Complaint # XXXX. 
I am a XXXX yo female widow, and Equifax has damaged my reputation, my ability to rent an apartment, by abject neglect of their FCRA duties for fair dealing and good faith.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2023-07-08
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. (AZ)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NJ)

I get my unemployment sent to the company cash app. Around XX/XX/2020 deposit in my account at that time someone stole my phone I got a new phone and a new phone number I updated that new information on the cash app they allowed me to withdraw some money and then a locked my account it's been 36 hours in which they said 24 hours I would gain regain access well it's been 36 hours now and I have not regain access. I've emailed them dozens of times I've called the only number they have you can't  speak to a live person the only way to get ahold of these people is through email or through XXXX. I have not gotten a response last night XX/XX/XXXX my unemployment deposit another {$2400.00} so now I have XXXX some odd dollars on my account in which I can not access! I will be on the street if I today if I can't get any of this money I don't know what to do I will be homeless I really need my money! Like I said I emailed them I tried to reach out on XXXX I have not gotten a response yet.I don't know whether it was the weekend and XXXX XXXX day and which is just passed is the reason as to why they didn't get ahold of me I need to access my money I will be homeless tonight! My name is XXXX XXXX my phone number is XXXX
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

I went to XXXX XXXX XXXX in XXXX XXXX, Ca. to buy an electric winch for my truck at a sale they were having. The cashier at the store offered me a 10 % discount if I would sign up for the XXXX XXXX XXXX credit card. I did and was supposed to receive it within 1-2 weeks. I never received a card of any kind I still have not, even after talking to 3 separate store managers. 
I received my 1st bill about XXXX. The bill contained a new charge of {$1400.00}. I immediately called customer service and after being on hold for almost 2 hours, I was transferred to XXXX in the fraud dept. He took my info and I received a questionare on XXXX from the fraud dept.which I filled out and returned immediately. On my next billing statement, the fraud charge was removed. The credit card was changed from card ending XXXX to one ending in XXXX. Still no real credit card has showed up, but I was charged {$10.00} in interest. 
Since that time, I have received billing statements every month. My balance has grown by almost {$100.00}. I have written and sent them 2 letters but they don't respond.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to have items removed for my current report. I never received a debt validation In the mail, Im trying to have this removed according to 15 USC 1692 c, 15 USC 1681B 18 USC 1028A, you have violated my rights by in lawful communications please remove this collection off of my credit report thank You. 
Ive been sending numerous of letters to the creditors to have this removed. They failed to do so they have not validated the debt and Ive been disputing it with TransUnion so they can send over the validation, but they failed so well.
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I first signed up for Cash App in order obtain a convenient and free service in order to make personal transactions easier. After signing up, I had a cash card sent and later the same was stolen from my possession. To make matters worse, the phone number I had originally used was no longer in service. The requirement of a two-factor authorization left me without a leg to stand on when attempting to log in to my account. Over the next couple of years, I periodically received requests for transfers from an individual I did not know. I thought nothing of it until I realized that the same had renamed, reprofiled and repossessed my account. Possibly using my own name as their own, this individual was successful in completing taking hold of my account. I tried numerous times to retrieve the same, only to be halted by automated phone systems and less than satisfactory email messages. I could not for the life of me get a human on the phone.
Consumer complaint received 2023-10-25
Product: Credit 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: Kornerstone Credit,  LLC. (GA)

On XX/XX/XXXX, I went to XXXX XXXX XXXX. I picked out furniture I wanted. I was told that financing would be with Kornerstone Credit. I did not receive a lease to sign. Furniture was delivered once ( wrong furniture ), second time damaged furniture, store couldnt repair furniture in home. Talked to XXXX and XXXX, store managers and told them I do not want the furniture. They both agreed to cancel order and relayed this to a XXXX at Kornerstone Credit so I would owe no money. I have several emails from Kornerstone Credit. On XX/XX/XXXX Kornerstone Credit sent me and email stating my time to sign lease had expired. In XXXX, I had a lease with Kornerstone Credit that I paid off. Kornerstone Credit used that information to debit my account for {$260.00} on XX/XX/XXXX after I was told by XXXX at Kornerstone Credit my furniture order ( XX/XX/XXXX ) was terminated by the store and I wouldnt be charged. XXXX called and confirmed this information with the store manager XXXX. I was told by Kornerstone Credit in order to get a refund, I would have to go pick the furniture up and bring it to my house. I do not have this furniture and Kornerstone Credit still debited my account and refuse to issue me a refund of my initial {$50.00} plus the {$260.00}. Kornerstone Credit has consistently called, texted and harassed me and still trying to debit my banking account. I never physically signed a lease with Kornerstone Credit.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I entered a modification with Nationstar only to be denied, due to not submitting documentation, however, I have fax confirmations. I called to check the status of my modification on XXXX/XXXX/2015 was then informed that I was denied and that there was a sale date of my property on XXXX/XXXX/15. I was dumbfounded. Have called repeatedly, the bank refuses to work with me saying there is nothing they can do now. 
I was never notified that there was a sale date, Nationstar said it was my responsibility to continue to call in, and if I would have I would have been notified of the sale date. This company should not be allowed to do business. I am now down to a matter of hours before I lose my property and there is absolutely nothing the bank will do!! DEVASTATED!!