davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
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. (CA)

Equifax failed to investigate the accounts in my last dispute dated XX/XX/2019. They have done little to provide any evidence tosupport their “verification.” The burden of proof is not on the consumer. Equifax has not provided a method ofverification and has simply ignored my dispute and asked me to contact the creditor directly. I have in fact, onseveral occasions, contacted each creditor regarding my disputes and have not received a response or havereceived very little information that does not support the inaccurate reportings. This willful non-compliance isunacceptable and these disputes need to be treated with detailed attention. The “XXXX XXXX” verificationmethod is not adequate. These listings need to be manually reviewed and either updated or removed. BothEquifax and the creditor fail to prove or provide substantial or convincing evidence to support their inadequatereportings. If someone manually reviewed these disputes rather than depend on software to match storeddata, these listings would have been removed or updated properly after my very first dispute
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (CA)

ON XX/XX/XXXX I APPLIED FOR THE CO-VID 19 SMALL BUSINESS RELIEF FUNDING AND WAS DENIED DUE TO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I THEN THOROUGHLY REVIEWED MY CREDIT REPORT AND FOUND FIVE CREDIT CARD ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH ADDRESSES I HAVE NEVER LIVED AT. I HAVE NEVER OPENED ANY OF THESE ACCOUNTS OR EVER AUTHORIZED ANYONE ELSE TO OPEN THEM IN MY NAME. I HAVE NOT BENEFITTED OR RECEIVED ANY MONIES IN GOOD FAITH. I AM NOT LIABLE FOR THESE ACCOUNTS AND NEED THEM REMOVED PROMPTLY AS IT THEY ARE NOW CAUSING ME FINANCIAL HARDSHIP. PLEASE REMOVE THESE ADDRESSES AS I HAVE NEVER BEEN ASSOCIATED WITH THEM : XXXX XXXX XXXX CA  XXXX, XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo needs to be more honest when dealing with customers. I have been dealing and fighting with Wells Fargo for a month. The lady in the executive office on XX/XX/2019 told me in a recorded phone call that my secured card was still open. I called XXXX XXXX today and she agreed that I was right but failed to put that in the letter addressed to me and to this agency. She and Wells Fargo need to come clean and tell the truth no matter how it looks legally. It should not take over a week to close an account and if a closed request was done on the XXXX as they claim, why did the lady tell me days later that it was still open and why did she state that the two closure request did not take and the account was still open. Why did I have to find out on the XX/XX/XXXX that the account was closed? Why would they send out a replacement card on a closed account? Why would I make {$460.00} payment on a closed account? Why did it take so long and so many phone calls my me to get my secured card money back? Why did they not already decide to do training with the lady that told me that they card was open? Why should I force this as a demand from them? Who is reading the letters that Wells Fargo sends out to customers for accuracy and honesty? Wells Fargo needs to listen to the entire call and not just portions of the call like XXXX XXXX claimed she did? How can XXXX T even right a letter without listening to the entire call. 

XXXX
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (WI)

XXXX XXXX {$780.00}. 
To Whom It May Concern : I am disputing this account because you are reporting inaccurate information on my credit file, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practice that I do not have any contractual agreement with you to collect this amount, and you should delete this account on my file. Compliance with this request is required under the federal law, and FCRA 609.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

In XX/XX/2019 my wife and I were taking proactive measures to ensure we could meet our mortgage payments despite her having become XXXX and no longer receiving employment income. We considered refinancing our 15 year loan but had heard of loan modifications, which seemed easier and cheaper. We called Union Bank and asked if that could be done for us. I admit now that I did not know all the facts of such a program and depended on Union Bank for advice. I submitted some paperwork and was approved and advised to make 4 Trial Payments that were {$210.00} less a month. I assumed the loan modification would be a similar arrangement resulting in our 15 year loan having a reduced interest rate to match the current market rate. The final modification changed our 15 year loan to a 40 year loan, not at all helpful considering we are both over 60. We signed the agreement anyway, assuming it would buy us time to shop for a better 15 year loan. 

On XX/XX/2019 a local bank notified me that I did not meet the underwriting requirements to be the contractor of record for building a residential home for my customer. The reason given was negative credit reporting for the 4 months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/2019 for " delinquent '' mortgage payments. These were the months we paid Union Bank the Trial Period payments, on time, as instructed. We were never notified verbally or in writing that the trail period payments would be considered delinquent even if paid on time, or we would never have agreed to the mortgage modification plan. We would have refinanced the loan. The Trial Period contract states " Please note that except for your monthly mortgage payment amount during the Trial Period Plan, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the Trial Period Plan ''. In what universe should that have caused us concern if we had never been late on payments?
Consumer complaint received 2019-05-02
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: Experian Information Solutions Inc. (IN)

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX XXXX. XXXX
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

Usaa locked all of my accounts with no notice, and will not tell me why, we went through our charges making sure nothing was fraud with the fraud department, all we were told is that it was being investigated by the " back office '' and they couldn't tell us anything for at least 3 more days where we would be unable to access any of our money at all, we can not withdraw, we can't use our cards, our credit is being directly affected by our inability to pay bills because of this restricted access, and we can not buy food or gas. This is insanely unacceptable especially when no reason is being given.
Consumer complaint received 2019-05-02
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: SLM CORPORATION (IL)

Sallie Mae continues to misapply payments made in each month to my loans with the company. The most recent representative called me to say I did not make a payment in XXXX of XXXX, when I made a payment this month. Also, the representative before her told me I didnt make a payment in XXXX of XXXX, when I made a payment to Sallie Mae in that month as well. Moreover, a Sallie MaXXXX representative called in XXXX of XXXX to place me into a forbearance program as long as I initiate automatic payments out of my account. I agreed and preceded the contractual agreement over the phone. After the forbearance period, there was not a payment automatically pulled from the account. I had to call Sallie Mae and inquire about the missed auto-debit when I was informed that I never qualified for the program to begin with and therefore I was liable for the forbearance period. I spoke to a manager in the call center who promised a call back, but never called back. This has resulted in late payment reporting on my credit report and interest charges due to payments being considered late.
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc. (OH)

To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # XXXXXXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, MEADE & ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. MEADE & ASSOC has not even tried to contact me regarding this unrecognized collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-09-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc (CA)

I was called by a private number in XX/XX/XXXX. I did not answer the call and a voicemail was left. In the voicemail a man told me he would be at my home address between XXXX the following business day to serve me papers due to a lawsuit filed against me. He said that if I was not home he would show up to my place of employment and discuss the papers with my manager. He left a contact number and case number to return the call. When I returned the call a women said she was going to place me on a brief hold to get my paperwork off of the attorneys desk to review it with me. Once she returned to the call she said her company had been hired by XXXX XXXX and I was being sued. I informed the woman that she was in direct violation of the Fair Debt Collection Practices Act and ended the call.
Consumer complaint received 2019-04-29
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. (NM)

I keep receiving that they were working on my disputes and did not change anything XXXX was the confirmation number I received and the said that they had resolved it and did nothing I cant even view it I get its an error of it is currently unavailable what type of XXXX is this then when I finally got in today I got that I had no disputes I believe they discarded my info. And did not even work on my disputes. I had sent them proof and nothing was done.
Consumer complaint received 2019-09-06
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 — Problem with personal statement of dispute
Company: Flagstar Bank, N.A. (SC)

I was impacted by a natural disaster in XX/XX/XXXX. Hurricane Irma. I was with my mortage company XXXX. During that time I was under a Forbearance for over 6 months. I would call and call multiple times, my remarks and records indidcate this. I had to do a loan modification due to a natural disaster and I was told my credit would be protected by fema. After almost a year of getttonh documents submitted and going back and forth I was finally approved for a modification. During that time my loan was transferred and I was going to pull from my 401k to get current but I was told to start making payments with the the mortage company Flagstar as of XX/XX/XXXX. My load modification was transferred from XXXX as is to Flagstar without my concent. I tried to appeal but XXXX said they have no records of this. Now my credit has been impacted bc Flagstar is saying I owed 2 months for XX/XX/XXXX and XX/XX/XXXX from XXXX but my loan was not transferred and my loan was not successfully modified and approved until XX/XX/XXXX and I was told to make my first trail payment with Flagstar and not Cenlar starting in XX/XX/XXXX. This is not fair because now my credit report is showing that I missed payments XX/XX/XXXX XX/XX/XXXX andXX/XX/2019 due to missed payments from being under the disaster from XXXX when that account was closed and dropped my credit score over 50 points. Flagstar has no documents from XXXX that the reason I was behind was due to a natural distaster and that XXXX extended my forbearance multiple times. XXXX will not send any information about my forbearance because they say they dont have it and they have no direct number to loss mitigation. Flagstar my credit will stay as it, as its not fair that I was not able to fulfill my loan modification with XXXX who created the loan modification. I just want my credit report to show that I made all payments on time and not missed as it states on my credit report for XX/XX/XXXX XX/XX/XXXX XX/XX/2019. Only a few people have been nice at both companies but other than that its been horrible. I was also out on XXXX during the time of the natural disaster due to XXXX  XXXX but again, this was never noted. I submittted all receipts from my repairs for my modification and it states that if I were in a natural distaste area my credit would have been suspended from being reported. XXXX did a horrible job conducting my modification as it took almost a year and they didnt give Flagstar all the documents needed and Flagstar has been no help. Please please help me.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (UT)

After a few months, I tried login into my credit card online account to make a payment. The username and password I entered was correct but it asked my for a second verification step which was getting a code through the phone. Despite trying a few times, I never got that automated phone call. The following day, I tried to resolve the issue through a different way, calling costumer service. I figured maybe the phone number Citi had on record was wrong so I tried to get them to change it and send me a verification code to the correct number and then be able to log in and operate my service. Trying to get that done involved speaking with the automated voice 4 times and then speaking to around 10 people both in English and in XXXX and repeating the same information over and over. I was told twice that my correct phone number needed to be verified so the representative would end the call and call me back right away at the correct cell number I provided. In both of those occasions, I did not get that promised phone call. After around 80 minutes trying to resolve the issue I was unable to get any effective support so I made one last phone call to request my card being cancelled. The operator asked me if I wanted email confirmation of the cancellation and I said yes but I havent got it after several minutes although he told me my request had been confirmed. I am seriously disappointed with Citi 's costumer service.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BBVA FINANCIAL CORPORATION (AZ)

I was offered {$150.00} to open the account, and spend {$1500.00} in 90 days. The {$150.00} was to be paid in two parts. {$100.00} after meeting the spending requirement ( got it XX/XX/XXXX ). {$50.00} was to be posted 45 days later. 

It's been more than 45 days. I've written an two emails, made three phone calls, uploaded a photo of the offer and NOTHING. Reference numbers XXXX XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I need your support to address the wrong account listed on my credit report. This issue has caused significant damage to my reputation, and I require your help. Due to your mismanagement of my credit information, my reputation has been severely affected. These errors need to be corrected so I can move forward with my family.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have excellent credit and my credit score is always above 760. In 2014 I have received a pre approved offer from Chase card for a new credit card. I have called and because of my excellent credit history they approved me with a credit card for a total of XXXX credit limit. I have been using this card for my everyday purchases since 2014 and been a loyal client for them. About one week ago I was trying to pay for a gas at XXXX gas station and my card got declined. Also couple of days ago I have received a letter from them which says that they decided to close my account because I don't have enough credit. 
I have called them but they did not give me any reason and they told me that it is their decision and can not be changed. I have excellent credit history with excellent credit score. If they approved me and my credit was enough for them how come it is not enough for them now. 
I have attached copy of their letter.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/XXXX, our USAA account was hacked, an outside account was added to our profile, and someone transferred {$10000.00} from our savings into this unknown account. USAA was notified immediately of the fraud. A police report was filed, as was an FBI report. USAA has refused to make our account whole again and is holding us liable. They have not and will not provide the specific details that led to this conclusion. They are no longer willing to discuss my case, and have recommended I get a lawyer.
Consumer complaint received 2019-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (CA)

On XX/XX/19 I received a collection letter from Halsted Financial Services , LLC stating that XXXX XXXX XXXX, placed with them for collection a debt for {$1000.00} that they claim I originally owed to XXXX XXXX XXXX. Its their reference number XXXX. I called them and disputed that I never opened an account with XXXX XXXX XXXX. They suggested that I file a police report so they could remove it from my credit history for which I complied to and let them know after I have done it on XX/XX/19. They said that it will no longer show on my history after a month but it still does as of XX/XX/19.
Consumer complaint received 2019-04-29
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. ()

AFTER REVIEWING MY CREDIT REPORT FOR THE MONTH OF XXXX, I HAVE IDENTIFIED INACCURATE ITEMS PLACED ON MY CREDIT FILE. THOSE NEGATIVE ITEMS DOES NOT BELONG TO ME AND IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT SCORE. PLEASE RE-INVESTIGATE THE ACCOUNTS.