davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NC)

I have filed a XXXX dispute in regards to XXXX the which is in regards to XXXX XXXX. This issue has been going on for months. I contacted XXXX XXXX myself plus optimum outcomes because optimum outcomes told me back in XX/XX/XXXX they never received a dispute from Equifax. Which I have the recorded calls from XXXX people at optimum outcome telling me they never received a dispute from equifax which was in XX/XX/XXXX. I got a letter from XXXX XXXX which states the info is not available. XXXX and XXXX have deleted this from my file. But, Equifax keeps putting this off.They have this letter I sent to them from the creditor and they tell me it 's not enough information. Everytime I call equifax I get a different answer from a different person which all these calls are recorded. They are not trying to fix this they do n't care! They are also trying to tell me they have until XXXX XXXX on this XXXX dispute which is incorrect! I told a customer service rep over the phone that it was disputed. Also my XXXX letter was dated XXXX XXXX, 2015 so the phone call was before XXXX XXXX.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

I have hard inquiries for a car in late XX/XX/2014 I should not have any inquiries concerning a car in late XX/XX/2014. I purchased a car in XX/XX/2014. I am not sure where they came from and previously sent to Equifax XXXX to have those hard inquiries removed with no success.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I travelled to XXXX XXXX from XXXX XXXX with some friends for my birthday. On XX/XX/XXXX we had an ATV excursion where we needed to have cash on hand. Neither my friend or I had any pesos with us, and a local told us where we can find an ATM to withdraw money. We found a XXXX ATM right around the corner, my friend volunteered to take out the cash, she put her pin number and everything, but at the very end the money was not dispensed and an error page popped up saying that they atm could not connect to her bank and that she needed to call her financial institution. We thought that maybe her bank had frozen her account because maybe she did not inform them she traveled to XXXX. We needed the cash, so I decided to try the ATM with my debit card since she has XXXX XXXXXXXX XXXX and I have Chase. The same thing happened to me, I put my pin number and everything, I received the same error code. We immediately called our banks and they said since it's a pending transaction that we shouldn't worry and it should disappear. That was not true. On XX/XX/XXXX both my bank statement and my friends bank statement said that the money was taken out from our accounts. We called our banks and made claims explaining to them exactly what happened - we tried to take out cash, nothing was dispensed, but we were still charged. The total that the ATM stole from me was {$170.00} plus an ATM fee that I also filed a claim on, since I did not receive the money why should I pay the ATM fee. My bank gave me a provisional credit for both the money that wasn't given to me at the ATM and for the ATM fee. Yesterday, XX/XX/XXXX, my friend told me that her bank denied her claim and took back the money. I immediately checked my bank account and what do you know, I had a pending transaction for a claim reversal. I did not receive a call nor did I receive a message or email. If my friend did not inform me, I would have never checked my account and I would have never known they denied my claim. On my lunch break I will be calling Chase asking them why in the world was my claim denied and why was I not informed. It is absolutely ridiculous that this was not resolved. There are cameras and I'm sure the ATM does a report at the end of the day of the number of bills it has on hand and what was taken out. I'm highly contemplating closing my account with Chase because of how unprofessional this has been. They told me not to worry and that everything will be okay, and that was a lie.
Consumer complaint received 2015-06-04
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: DISCOVER BANK (CA)

Hello, My name is XXXX XXXX and recently I received a large envelope from DISCOVER with a card inside saying " PROOF '' and inviting me to apply for a personal loan " Because of my Excellent Credit record '' ( see attached copy ) but when I applied on the internet, I received a deny note! 
This is wrong to try to get all my personal info by pretending that they know about my credit history and convince me that I will get the loan if I apply and then they deny me. 
This also could damage my credit score. and I do n't appreciate that either.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

I had money debited out of my wells fargo account in XXXX 2015. {$1300.00} and some change I contacted Wells Fargo to stop the transaction and dispute it. I was later told they could not tell whether I gave my card away to someone to use it so they denied my claim. None uses my account. I lived alone then. No one had access to my card.The rep told me maybe I made a purchase in the store. I told the rep I was at work and the proximity of my job and where the transaction was done was not anywhere near close to each other. I have attached a copy of my time sheet which i have faxed over to wells fargo and received nothing back from with regards to receiving it or not.
Consumer complaint received 2015-08-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

This has been ongoing for months with Wells Fargo and am really tired of it. It is causing emotional and now physical stress and making me sick. They messed up payments for hazard insurance, I more than compensated with extra payments, made even more payments to cover anything in escrow and yet they still are keeping my mortgage payment over {$200.00} higher than agreed when I got the mortgage. they have refused to put the monthly payment back where it belongs with no valid justification. Why is it that the consumer is always faced with this type of mismanagement of our accounts and you all do nothing?
Consumer complaint received 2016-07-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

I had a lot loan with Wachovia bank. It was a 5 year interest only loan. I did not realize it was interest only until I noticed no principal reduction was occurring ... ... ... .this was certainly my fault. I was in the process of re doing the loan with Wachovia and they went out of business. I found out that wells fargo had inherited the Wachovia business. Wells had no idea, at the time, about my loan and it was very difficult to get anyone to recognize I had a loan outstanding. I stopped paying on the loan and I figured I would hear from someone. I finally heard from the mortgage collection department. I told them that this was a lot and had no house on it and I wanted to refinance it that also included principle reduction. After months of talking to many people I was told wells did not have a lot loan department and I had to deal with them. This seemed wrong but I tried to work with them. It was also odvious I was not going to be able to refinance this lot. All the people I was dealing with were interested in was collecting. I was continually told if I did n't pay they would ruin my credit reports. I was concerned about this and I was willing to work some thing out. 
I was dealing with a man by the name of XXXX XXXX in the home mortgage collection department. I had worked out a repayment plan that required {$19000.00} lump some payment and then {$480.00} a month until the loan was paid off. I have a copy of this agreement. 
I agreed to this, I made the {$19000.00} payment and was ready to move forward. I found out that several days before I received repayment agreement plan wells had foreclosed on the loan. This of course went on my credit reports and has been a burden to me. 
I have made my payments on time to wells and have in fact paid this might mare off. I have a lien release and a letter stating this loan has been paid off. 
I am requesting that my credit reports read correctly, that the loan XXXX is paid, just like the letters state I have from wells. I also request that the fore closer is dropped from my credit records. This report is almost 7 years old and needs to go away. 
Thank you for your attention in this matter ... ... ... 

XXXX XXXX. 
.
Consumer complaint received 2015-08-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

I have been trying to restructure my mortgage for years. Wells Fargo finally approved me with an offer of {$960.00} per month. I accepted their XXXX offer in XXXX 2015. They took their sweet time in sending documents to be signed for the loan modification. In doing so They added another payment to the over due balance. That in turn has jacked up my monthly payment to {$970.00} The greedy XXXX at Wells Fargo are trying to squeeze every dime they can from me.
Consumer complaint received 2016-11-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo incorrectly applied an automatic biweekly payment, charged me a late fee, accused me of being two months behind, and harassed me at my place of employment. 

Wells Fargo misapplied my 2nd biweekly payment XX/XX/XXXX, wanted to charge me a resulting late fee and was telling me I was two months late on my mortgage ( XX/XX/XXXX & XX/XX/XXXX ) ; today is XX/XX/XXXX! It is absurd that they are calling it late and the day is n't even over! 

In XX/XX/XXXX XXXX payments should have been made, one on XX/XX/XXXX ( was correctly taken out ) and another payment on XX/XX/XXXX, which was not debited from my checking account. 

They made no attempts to call me at my primary number or by mail, but instead opted to call me at work to harass XXXX payments out of me. 

Note : Wells Fargo may be doing this to make up for loss of revenue due to the fraud committed by it 's executives and employees. When I mentioned I would contact the CFPB I was placed on hold and was cut off. I had to call back to proceed any further.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

i am making a complaint about a late payment / delinquency reporting on my credit report, on all the three credit agencies. 
the account name is XXXX. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank you
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

I have multiple accounts on my credit file that were added within the last month, non of these accounts are mine, I was informed that my credit file may have been merged with someone with the same or similar name, someone with a pervious address. Equifax refuses to fix this problem and continuously adds new accounts to my credit file every single day. They wo n't help me, they wo n't delete these accounts, and they wo n't un merge these XXXX credit files. I have personally called all these companies, and they ca n't find any information because my SSN does n't match anything they have on file. I 'm sick of doing Equifax 's job! They should be calling, NOT ME. They need to do their XXXX job. The accounts are n't mine, and I do n't want them on my file anymore. Furthermore, I have multiple accounts added to my credit file due to identify theft, and Equifax also refuses to remove those accounts as well. I 'm so sick of dealing with these rude mean people in their Consumer Affairs Department. They are mean, unhelpful, and just plain awful! I have the accounts that are n't mine listed below. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX, XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$35.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$890.00} XXXX XXXX XXXX XXXX, XXXX {$360.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} All these accounts were added to my credit file from XXXX XXXX, XXXX - PRESENT. I personally find it odd that the 3 years I have had a credit file that none of these accounts have been on my credit file until 1 MONTH ago, when some of them are 8 YEARS OLD! Equifax is a scam and they need to remove these accounts now. I will be filing a report with my local law enforcement as well as the attorney general about their practices. I have filed a police report about Equifax and these accounts with the XXXX Police Department, the report number is XXXX.
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (FL)

ACCOUNT NAME SANTANDER Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish anaccount without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an accountwith this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2015-06-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

Equifax Credit XXXX is reporting XXXX dismissed judgements on my credit report. I have disputed XXXX judgements and Equifax is responding to my disputes with the same response, " The judgement has been verified as correct and is being reported correctly. '' The Creditor/Lender agreed that once the judgement had been satisfied ; the satisfied debt would be removed. Equifax will not remove this from my credit report even though these judgements are not showing on my XXXX credit report.
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

WANTING TO MONITOR MY CREDIT REPORT DUE TO THE FACT I HAVE BEEN A VICTIM OF IDENTITY THEFT NUMEROUS TIMES HAVE HAD THE COMPLETE PREMIRE PROGRAM WITH UNLIMITED SERVICES CREDIT REPORT. BUT UNABLE TO OBTAIN MY CREDIT REPORT BY MYSELF. HAVE TO CALL IN EVERYTIME TO GET MY UNLIMITED REPORT. WHEN I ORDER MY CREDIT REPPORT ORDER SAYS ORDER ALREADY IN PROGRESS. WHEN I CALL CUSTOMER SERVICE SAID I NEED TO VERIFY INFORMATION. I ORDERED MY REPORT TO NUMEROUS TIMES BUT I HAVE UNLIMITED SERVICE. SO WHY DO I HAVE TO CALL IN BEFORE I GET A REPORT. THIS IS MISLEADING. AND I AM BEING CHARGE XXXX AND XXXX FOR HALF A SERVICE. AND EQUIFAX CUSTOMER SERVICE HAVE SENT UP NUMEROUS TROUBLE TICKETS AND THERE REMEDY IS TO CANCEL MY SERVICE AND REFUSE TO MONITOR MY REPORT. NEVER FIXED NEVER DELETED PREVIOUS REPORT ORDERED. SO IF YOU CAN FIX IT THEY WANT TO CANCEL. THEY ARE NOT PROVIDING A SERVICE. XXXX AND XXXX DO HAVE UNLIMITED SERVICE AND THEY TELL YOU TO REFRESH YOUR REPORT. AND EQUIFAX HAVE BEEN SENT NUMEROUS POLICE REPORTS AND THE FEDEERAL TRADE COMMISSIONS REPORT AND REFUSE TO REMOVE THE INQUIRIES. WHAT I AM TO DO. I CANT MONITOR MY CREDIT WITH EQUIFAX. THEY ARE A JOKE. IF THEY CANT FIX THERE PROBLEM WITH THERE SYSTEM THEY WILL CANCEL YOU. HOW DO I MONITOR MY CREDIT REPORT. WHAT DOES EQUIFAX COMPLETE PREMIER PROGRAM WITH UNLIMITED SERVICE MEAN. IF THEY CANT FIX UNLIMITED ORDERING REPORT AND YOU ORDER YOUR REPORT THEY TELL YOU DONT ORDER YOUR REPORT EVERYDAY EVEN UNLIMITED SERVICE IT IS A LIE. XXXX AND XXXX SAY IT IS 1 DAY SINCE YOU HAVE ORDERED YOUR REPORT REFRESH YOUR REPORT. THIS IS UNLIMITED BUT EQUIFAX SAYS DONT ORDER YOUR REPORT UNLESS YOU GET AN ALERT. BUT YOU HAVE UNLIMITED SERVICE. THEY TELL YOU WHAT AND WHEN YOU SHOULD ORDER YOUR REPORT AND IF YOU ORDER TOO MUCH THEY ARE OVERLOADED AND YOUR SERVICE IS NOT UNLIMITED. THEY NEED TO FIX THIS AND REFUND MY MONEY FOR A YEAR.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc. (OH)

FABCO has been harassing me via my cellphone, mail as well as my consumer report. They are attempting to collect an alleged debt that I do not owe them. Further more I have NEVER signed ANY contracts with FABCO, done ANY business with FABCO nor did I consent to them having any of my personal and private information. I don't know who these people are but they will not leave me alone and they will not remove their Derogatory remarks off of my consumer report which is causing me harm as I am house hunting for my family. They are making it extremely difficult for me to find housing. I am XXXX and I am being further injured due to this matter and I need this handled in a timely manner. I also believe that fraudulently obtained my social security number. Please audit and investigate this matter. Again I have never done business with these people and need to know where and or who they obtained my information from without my consent.
Consumer complaint received 2023-06-13
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. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the following accounts listed IMMEDIATELY!
Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (FL)

Mailed in mortgage payment, XX/XX/XXXX to Nationwide Advantage Company and mortgage company received payment on time. Tracking number shows the monies were delivered on time in their office they contacted me on XX/XX/2016, that payment was not posted. I provided them with the tracking number for the payment. I was told to call back in two days to see if the payment has posted. I comply with the request called back they still had not located payment. I then offered to stop payment on the check according to XXXX the representative I was speaking with I should not do that because when they do find it they will put it through and this will cost me more. I faxed and mailed a letter out to the corporate office stating the problem and that they needed to fix it. Locate my payment and stop will negative reporting she then informed me that I needed to make another payment over the phone to bring my account current. I refuse to do so and again informed XXXX. XXXX that they needed to find my payment. The resolution for this problem : Nationwide to go back an remove all they negative reports of my being late because I was not, and to remove the late fees they billed me for because I was not late. And list my account as current.
Consumer complaint received 2023-05-11
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. (PA)

XXXX XXXX XXXX Is a Account that is being reportered as a Charge card for Experian and Revolving for XXXX while not being reported at all for XXXX, and is ruining my credit, This account is also not accurate in being reported across all 3 credit bureas, This account is being shown as having 3 late payments on XXXX, XXXX, and XX/XX/2023 on Experian while not having any late payments according to XXXX, Balance was last updated on XXXX XXXX for Experian and XXXX XXXX for XXXX, Past due amount according to Experian is {$15.00} while according to XXXX it is {$5.00}, This account is extremly innacurate, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. 

XXXX XXXX for Experian, XXXX XXXX XXXX for XXXX, XXXX for XXXX is the same account being reported extremly inaccurately, For both Experian and XXXX the account number is being reported as " XXXX '' While for XXXX it is being reported as " XXXX '', For Experian there is no balance displayed while for both XXXX and XXXX it is being reported as {$0.00} balance and 100 % being paid off, For Experian the account type is displayed as " Secured Loan '' while for both XXXX and XXXX it XXXX being displayed as an Installment account. There is no balance update date for Experian while for XXXX it is being reported as last updated on XX/XX/2023, And as for XXXX XXXX updated last XX/XX/2023, For Experian there is a late payment on XXXX, XXXX, and a XXXX  on XXXX of XXXX, For XXXX there is 2 late payments being reportedon XXXX, and XXXX of XXXX, for XXXX there is 2 late payments being reported on XXXX of XXXX  and XXXX of XXXX, This account is extremly innacurate, The Contact info displayed on the Experian report is different than both XXXX and XXXX This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In Accordance with the fair credit reporting act XXXX Account number XXXX ( 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.