davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (FL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-05-11
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: EQUIFAX, INC. (GA)

I HAVE 0VER XXXX of open credit. i used XXXX on a credit card. Equifax dropped my credit score by 47 points. XXXX dropped it also but by 3 points. I wrote Equifax repeatedly and they think they can do anything they want as you do nothing to them. I want Equifax investigated. If you look at my score and how it has dropped over 40 points many times in the past year for virtually nothing you will see. my name XXXX XXXX. XXXX ... XXXX ... ... XXXX ... ... .I am sick of how Equifax seems to think they can do this to any of us.I give you permission to look at my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
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. (IN)

Inquiries was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TN)

The Simple/BBVA transition has been absolutely atrocious. BBVA announced Simples closure earlier this year, and I am now on day three without access to my checking or savings accounts, I have spent approx 3 hours trying to get through to a live person, and I am not convinced my money will be there when I can get into the account.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (TX)

I bank with " Current " On XX/XX/2021 sometime after XXXX my debit card was stolen, 6 unauthorized transactions between XXXX - XXXX were made as credit transactions. I shut my card off and reported it stolen, along with disputing the 6 pending charges. My bank emailed me saying, after investigating the transactions they wont be crediting my account for the amount that was stolen. They said the pin was used ... yet I gpt a notification that an invalid pin was used. They will dispute an accidental XXXX $ charge ... but when my card gets stolen taking {$400.00} plus. They tell me, " we understand your frustrations but unfortunately we cant do anything. '' They claimed to be FDIC. 

I also have screenshots of my location from XXXX map an where I was at, at the time of the unauthorized transactions which are 2 different locations. 

Current is refusing to review and investigate the unauthorized transactions. They are telling me that they cant do anything about it, to email the dispute team. Yet when I email the dispute team it takes them a week or longer just to reply saying they cant re-dispute them. 
Now I'm weeks behind on my bills which i have to figure out how to come up with that money. The pain and suffering this is causing is rediculas
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC (DC)

I joined a matchmaker site called XXXX XXXX XXXX could no longer pay them and the services did not match what they promised. They turned it over to a collection Agency recently. I have never ever received any communication from the collection Agency which is Omega RMS I emailed the company asking to send me a collection notice 3 times and got no answer to date. I need it in order to turn into my debt consolidation company.How is that you owe a debt and ever receive a collection letter makes no sense the only way I discovered it is because it popped on my credit report without notice.2
Consumer complaint received 2021-05-09
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. (MA)

On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WALLICK AND VOLK, INC (TX)

I started my communication with XXXX XXXX with Wallick and Volk at XXXX XXXX Texas on XX/XX/2019, after a phone call and a few emails I decided to apply using their web site so they can review my application and at some point I was hopping to ear back from her or their team with some response or any news event if they were bad news. Well to this point I haven't hear from them, I went back to their web site and can not log in. I am so worry because I uploaded ( more that a year ago ) my financial and personal info and never hear o get an email from this company again. I not so sure if my personal info has been protected as prescribed by the law. The worse customer service I ever had, but just want to post this review to alert others individuals if you want to use this Wallick & Volk companyTHINK TWICE..!!!
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (AZ)

Received a debt collection letter from this company. Followed the instructions to get online and make a payment to settle the debt. They listed a payoff amount lower than the supposed debt owed and I paid that amount. Then the balance said I still owed. I have been unable to contact anyone at any hour on any day of the week to get assistance with my supposed debt. This company is a scam and has taken money from me. I want my money back and for this company to be flagged as a Scam!!
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (IN)

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. CRADIT? WE CAN HELPI + Please attach copies of the following documents : Agreement that you have authority to collect on this XXXX alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that XXXX the amount you wish to collect is correct. I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. XXXX
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

XX/XX/XXXX BERLIN-WHEELER-KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX ) XXXX To Whom It May Concern : As you are well aware of, The Fair Credit Reporting Act of XXXX  requires collectors and creditors to furnish accurate and complete information to Credit Reporting Agencies. 
In a recent review of my credit report XXXX which I am enclosing as an attachment ), I have noticed some errors. Please make the following changes : Remove account immediately from credit report as account does not belong to me. 
In the event that you can not fulfill my request by deleting the late payments immediately, please verify the information you have listed as accurate by providing the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional legal remedies. 
Sincerely, XXXX XXXX XXXX XXXX SSN-XXX XX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (UT)

It was time for an upgrade on my account so we went in to get new phones. We went in on Thursday and their system was not fully processing the phones so they asked us to come back the next day. We came back the next day ( Friday ) and their system was still down. So we went back on Monday and still nothing so we returned the 2 phones we did get and canceled the 3rd phone request. I paid my last bill in FULL and went with XXXX. I then recieved a bill for the 3rd phone that we NEVER recieved. I tried going into the store they told I had to call. I tried calling customer support they promised to fix it but never did. I very much care about my credit but I NEVER got the phone. I never even got it. This is not ok. You expect us as customers to pay our bill then as a customer I expect you to do the right thing and not cahrge me for something I never recieved. 
The store we went into was at XXXX XXXX XXXX XXXX, XXXX, WI XXXX
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I am receiving Impersonated/Spoofed calls from a autodialer, posing as a legitimate debt collection agency ( Portfolio Recovery Associates ) daily. Usually the first call is a number flagged as a known robocall scam, the second and sometimes third or fourth calls is from de-activated phone numbers. Sometimes I get a voicemail which usually lasts no longer than 5 seconds. This indicates an automated dialer, because I did not answer and the computer behind the call realized that it reached the voicemail.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent letters requesting my information be updated to XXXX XXXX, and Transunion. They did not respond. On XX/XX/2021 I sent another letter to follow up. They have still not responded, nor has my information been updated. My requests are being ignored and I am XXXX to ensure that reporting is accurate as I remove fraud from my reports. In fact, more false address information has been added.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX is my primary bank. It has been my primary bank since XXXX. I have one current loan for the amount of XXXX. 

However, Equifax is showing a loan for the amount of XXXX from XXXX. It is showing negative on my credit report. I have never had a loan with XXXX for this amount. I made contact with XXXX and they have sent to all credit bureaus this information is incorrect. However, XXXX is reporting this on a current credit report and on XXXX 

I would like for Equifax to verify all accounts with XXXX. I do not want them to use XXXX. This agency is reporting incorrect information on my credit report. They have information from XXXX which should not be reported at all.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (HI)

Loan Servicer : Cardinal Financial Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX NMLS ID XXXX Contact XXXX XXXX XXXX Contact NMLS ID XXXX Contact Email XXXX Phone XXXX I was attempting to do a refinance with Cardinal Financial. Rate lock was for 2.75 % 30 year fixed for a refi Owners : XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX After many months attempting to close this loan, Cardinal Financial would not honor the original estimate/ rates & terms given to me. They said they would, but a " computer glitch '' was preventing them from doing so. I changed the refinance to a different Servicer who was able to honor the rate/terms in original estimate. XXXX was very difficult to communicate with during the process of the loan. She was always available prior to locking in on the rate. I would never use Cardinal Financial.
Consumer complaint received 2021-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority (MA)

Prior to the start of the fall semester in XXXX, a private student loan was taken out in the amount XXXX to attend XXXX University. 

This loan was paid for in full with a check from XXXX XXXX attached in the amount of {$13000.00} to MEFA on XX/XX/XXXX. 

However, when trying to find a record with the loan company, we have been told numerous times that there is no record of it being paid in full and because of that, it had been reported to a national debt recovery service. I have had to put a pause on my education because we don't know where the money has gone along with the negative impact it has had on my credit report. 

I have not been eligible to return back with financial aid and continue my studies because it still shows that I have not paid this loan at all so there has been a hold put on my ability to apply for any aid along with showing I have an ongoing dispute with XXXX XXXX XXXX about this issue. This has made it extremely difficult to afford my education so I haven't been able to continue.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I sent a wire from my checking account with Citibank to XXXX XXXX. It did not reach my account so they had me recall the wire. They said they successfully recalled the wire but did not know how to get the money back to me because my checking account was closed. They researched it and said they would mail it. They never mailed it. I called back and they said they cant mail checks. 
They told me to go to a local branch. There is not a Citibank in my town so I called one in XXXX and talked to a manager named XXXX and he said he would take care of it on XX/XX/2021. 
Nothing was done and I received no callbacks from anyone and I called the bank again and he will not return my call for some reason. I messaged the bank and the clerk told me to call the wire department which had told me they cant handle it but I called them again and they just put me on hold three times and never answered. The wire was for {$1500.00}. Tracking number XXXX City reference number XXXX XXXX On my account that was closed the account number ends with XXXX and my debit card ends with XXXX
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA (NV)

I have never missed a payment or been behind on payments despite going through Unemployment and a significant reduced income directly related to COVID-19. I was on a temporary payment plan with Hyundai Motor Finance, to which I never missed a payment either. I made a payment of {$710.00} on Payment Date : XX/XX/XXXX. This posted on HMFUSA on XX/XX/XXXX, to which the auto finance company reported " late '' on my credit report ( all 3 bureaus ). My credit score dropped ( XXXX ) points since doing that, after working diligently to increase my score which was in the XXXX 's. My auto loan is current, all payments are up-to-date, I have never missed a payment in seven years of owning a vehicle, yet they reported a late payment on my credit report significantly impacting my score negatively. During a time when families are struggling financially, it is critical for consumer credit to be protected as sometimes this is their only way of obtaining income, such as mine. My licensing division requires I submit a copy of my credit report in order to obtain a XXXXXXXX XXXX in Nevada. Due to Hyundai Motor Finance, I may not be able to obtain a XXXXXXXX XXXX or try qualifying to purchase a home or any line of credit.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC. (TX)

ON XX/XX/2021 Midland Credit Management add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/sold and i am no longer responsible for this account, Debtors creditors did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Midlands Credit Management has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.