davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: OLIPHANT FINANCIAL, LLC (MD)

had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted XXXX XXXX on multiple occasions to inform them of my hardship status. after 90 days of non payment, XXXX XXXX has forwarded the debt to 3rd party collection agency OLIPHANT FINANCIAL LLC. I received written notice from OLIPHANT FINANCIAL LLC dated XX/XX/XXXX requesting a response to the collection debt. I contacted OLIPHANT FINANCIAL on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize OPLIPHANT FINANCIAL LLC nor anyone representing OLIPANT FINANCIAL LLC to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by OLIPHANT FINANCIAL LLC in attempts to collect debt to be very unlawful. 
for the record this complaint is for OLIPHANT FINANCIAL LLC ( rep XXXX AT XXXX )
Consumer complaint received 2023-08-10
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. (TX)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I would like your asistance to find out why a lender has reinstated an old forclosure case over a debt that shows a XXXX balance on my credit report for both loans. I received a payoff letter for XXXX of the loans.In the past there was a predatory lending case against the lender and I also participated in the XXXX County Chencery Divison Settlement Program. Please help me in resolving this matter. My desire is ensure that no one can reinstate these loans in order to profit from them and to clear my home.
Consumer complaint received 2016-10-23
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC. (TX)

As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

My issue involves two incidents with my Chase AARP XXXX card. I have that I had been charged twice {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX. When I contacted Chase in an attempt to resolve the issue I was told the conversation would be recorded. My response was that if Chase was recording the conversation I would be recording it too. Chase advise me that I was " not permitted to record and if I chose to they could not assist me ''. My response was that I did not want the conversation recorded if I could not record it too. After my requesting to speak with a supervisor I was told the conversation would not be recorded, my XXXX XXXX system indicated that Chase was recording. I spoke with the representative and ended up having to resolve the issue directly with XXXX XXXX XXXX. 

The second issue was on XX/XX/XXXX. I had stayed at the XXXX XXXX XXXX in XXXX and accidentally left an item. XXXX through XXXX found my item and agreed to ship it to me. XXXX had me go on line and complete the order, the time was XXXX XXXX Sun. XX/XX/XXXX. The charge was {$21.00}. Upon using my AARP Chase XXXX card the security code was rejected 3 times. I contacted XXXX and was advised to use another credit card. My other card went through immediately. I phoned Chase upon getting an email message at XXXX XXXX that a fraudulent charge may have been placed on my card. Again there was the issue of Chase insisting on recording the conversation and denying me permission to do the same. Chase told me the XXXX {$21.00} charge was pending on my account when I had a receipt that the charge was placed on one of my other credit cards. Chase sent an email at XXXX XXXX that my card had been cancelled and a new card would be issue upon my contacting them. This morning Monday, XX/XX/XXXX at XXXX XXXX I contacted Chase again had the recording conversation issue and was told the email was an error. I requested an email confirmation that my card was in good standing and have not received it. 

My main focus is that if Chase is recording the conversation I should have the right to do the same.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

Made a purchase @ XXXX XXXX XXXX XXXX 's in 2012. Wanted to pay cash but was talked into by the sales person to take an 18 month promotion that I could pay off before the promotion ended and would n't be charged any interest. 

I had the monthly payments automatically withdrawn from my checking account. It was my understanding that the monthly payments would pay off my purchase in the 18 months. Was never advised that my promotion ended and the interest would accrue@26.99 %. My total for the 2 purchases was {$2600.00}. Have n't made any purchases since then and my balance is now  {$5700.00}. This includes all the interest for the promotional 18 months period and interest on the interest. 

I 've paid approximately {$170.00} per month from my checking account for the last 5 years. I never received paper statements and did n't realize I still owed them money until I received an email that my credit line was increased. When I called customer service they explained to me what happened. I assumed I was paying for insurance on my purchase and never questioned the charges. When asked if I could pay a settlement amount that was less then the balance, I was told no. 

I 'm beside myself at the moment. I 'm a single mother and take care of my sick mother full time. I ca n't understand how a company could take advantage of me like this.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

Equifax is refusing to remove or adaquatly investigate information that was previously deleted from credit report and that was agreed by collection agency to be removed. They are both XXXX XXXX XXXX. Both are satisfied and were removed from credit report and now are reappearing and should be removed. They are not reporting accurate information.
Consumer complaint received 2023-02-02
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF EDXXXX XXXX Balance : {$1200.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

all credit agencies reporting past 7yrs outdated since 2006 and not my accounts ... remove all from credit files asap .... '' cap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OR)

Sent my payments back and said could n't locate account. Its the same account I 've always used. Charged me late fee and ruined my credit report so I can ' refinance. They said they would remove late fee but ca n't fix my credit raiting.
Consumer complaint received 2023-02-02
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. (CA)

This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXX, L ; XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I have some inquiries on my credit reports that I did not do. I also received a letter from the XXXX turning me down for a car loan.I called and they stated it was nothing they could do they got the info from a place called XXXX ( this is XXXX of the inquiries on my report ) I disputed this with equifax and they stated it was valid I dont understand how. Please help me I need assistance, i did not apply for a car loan I have a vehicle I just obtained in XXXX 2014. I also tried to put an alert on and for some reason I always get an error online or when i call it states i can not do it by phone.
Consumer complaint received 2024-10-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC (FL)

I RECENLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY RECORD, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

Despite a letter from XXXX XXXX dated XXXX XXXX, XXXX ( sent via fax to your agency this morning ) sent to all XXXX of the major credit reporting agencies, including Equifax , instructing them to immediately and permanently remove all records of late charges, specifically a late charge XXXX XXXX, XXXX of {$50.00} and a second on XXXX XXXX, XXXX of {$30.00}, they refuse to do so despite four complaints to them and numerous phone calls. The last of these calls was to XXXX XXXX, wherein he stated that he would personally ensure that these XXXX negative items were removed. Yet, according to their latest credit report of XXXX XXXX, XXXX, # XXXX, these XXXX negative items still appear and are preventing me from obtaiing a mortgage loan to purchase a home. They have been totally uncooperative from the onset of this matter. They have also misspelled my name and inserted the lower case letter " XXXX '' after XXXX, the first initial of my name, and refuse to remove this error. I hereby demand that they honor the demands of the XXXX letter and immediately and permanently remove these XXXX items just as the XXXX other credit reporting agencies have done.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

they have reinserted deleted information on my XXXX report and claim they can not fix it period i have been battling for years to get the right information reported good things and they have just did my credit report wrong They put XXXX inquires that where removed on my report they added bad accounts i think all this was done purposely i have proof of what my accounts look like when they wiped it and when they jacked it below only thing that supposed to be on my XXXX is my good reports from XXXX and my XXXX card superior fc those account are wrong to they need to be fixed. but thats it XXXX was removed they added it back XXXX XXXX was sued and lost the added that this is just illegal! i have proof where this people just play with my credit report! span over a 3 year period
Consumer complaint received 2015-05-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Sold our Mortgage to XXXX when we were in default, Wells fargo never gave us a servicing transfer notice, we found out that our mortgage was sold when we began receiving letter from lawyer telling us our home was up for foreclosure, well fargo never tried to help us save our home, when we called wells fargo they said that we need to contact XXXX they no longer have our loan. this have been a five year process, where we have been trying modifications through lawyer, stopping sheriff sales, and they never event tolds us we can file bankruptcy or anything, not we received a writ of possession for our home from XXXX XXXX XXXX XXXX XXXX, but they are not the note holder no longer, XXXX XXXX XXXX Sold our home back to Wells Fargo XXXX/XXXX/2012, and I do n't know how when we had the sheriff sale postponed, I believe that my husband was under a predatory loan, he was only making XXXX, I talked to someone from Wells Fargo recently and they said our loan is in active foreclosure, but they are the XXXX, how can XXXX XXXX XXXX be requesting a writ of possession? and they are not the note holder, unbelievable, they did not give us a chance the mortgage company is not out here to help us Wells Fargo or XXXX XXXX XXXX, our mortgage have been shifted around, for profit on both sides, I have just been butting money out for nothing to lawyers trying to save the home and the lawyers already new we had no changce, I would of filed bankruptcy a long time ago before we got to the point of losing our home ... .we need help and answers, as of now we are still in the house, but do n't know how long we got can someone help us ... XXXX XXXX was a servicer of Wells Fargo , but they do not have the note to the home, how can they get a writ of possession? when they sold the house back to Wells Fargo.
Consumer complaint received 2015-04-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

WF mismanaged my money and my mortgage but now want me to make up the difference and to charge me an extra {$300.00} a month. My monthly payment was {$1000.00}, now it 's {$1300.00}. They also said that amount is due beginning XXXX XXXX, but have actually taken out the higher payments XXXX so far from my checking account, which I did not authorize them to do. In less than XXXX months they have made insurance payments to cancelled services, lost paperwork and now want me to make up the shortage, despite that I have no idea how my account could be over {$1800.00} short when I arranged my XXXX payments to cover a XXXX dollars extra than what it originally was. They sent a document that also somehow is raising my mortgage payment, even without that shortage, bto {$1100.00}. How do they get to do this? I agreed to XXXX mortgage amount, that I could afford, not XXXX that seems to be at their mercy and can be arbitrarily changed at their will even when it 's their mismanangement and XXXX customer service. I would like an investigation. I can not afford the increase in my mortgage and am tempted to let in go into foreclosure. I did not control the money it was all in their hands. In fact I did n't know their was a shortage until I got notified by XXXX about the new and higher transaction.
Consumer complaint received 2017-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (AZ)

In XX/XX/XXXX, I had a lengthy dispute with XXXX XXXX about a charge that they claimed that I owed. Subsequently, this account was turned over to to XXXX. XXXX, XXXX, a collection agency. I then sent XXXX. XXXX a standard " Truth in Lending '' letter, XX/XX/XXXX, asking them to provide me with particulars pertaining to my alleged debt. Shortly thereafter, I received notification from XXXX. XXXX, XXXX, notifying me that they were withdrawing the demand payment. The information was also removed from my credit report. Then in XX/XX/XXXX, after routinely requesting a free copy of my credit report and to my surprise, there was a " Public Record Item '' on the XXXX report indicating that the account with XXXX XXXX was listed with Stellar Recovery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT, XXXX, account # XXXX. The amount owed is {$250.00} and the date opened was XXXX, first reported XXXX and was past due as of XXXX XXXX, showing a recent payment of {$70.00}. This was surprising because I had not any correspondence with anyone regarding XXXX XXXX, since the letter that I wrote to XXXX. XXXX, XXXX in XXXX. This was the first notification of any type that I received from Stellar Recovery, Inc., or anyone else, pertaining to this alleged indebtedness. I appreciate your help in getting this matter resolved. Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (TX)

I got a loan with Goldman Sachs for XXXX. The percentage agree upon was XXXX. But they are taking right at XXXX dollars for ever XXXX XXXX XXXX towards interest. That 's 25 percent.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MA)

I had several accounts at Wells Fargo From XX/XX/XXXX - XX/XX/XXXX and I was forced to take my banking elsewhere because My account magically kept going negative and i was getting inundated with service fees on a daily basis to the tune of hundreds and possibly thousands. I lived over an hour to the nearest branch and kept on having to drive to XXXX XXXX XXXX just to make deposits in the middle of the night. I knew something was a miss but things kept shuffling around. Wells Fargo Was an account I set up on line Several years ago and started using it as they were getting larger and were possibly moving up towards the massachusetts area. After several accounts were set up and kept overdrawing at one point they froze my account and kept charging me overdraft fees and I had to pay them all down because otherwise I could n't open up another bank account with another bank as the XXXX would block me and show I owed money to Wells Fargo. Now, after seeing that these accounts were manipulated I am sure that my account was one of them. I had direct deposit and service fees and set up fees kept showing up and wiping my balance down so I would bounce checks and incur even more fees. It was a nightmare and I feel I was part of this scandal as my accounts can easily be verified and confirmed. My full name is XXXX XXXX, THe last checks I had from Wells Fargo would Show the address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX or a XXXX, XXXX Address. 
I was forced to pull all my banking at one point as my money kept disappearing. I know this was intentional and now after seeing this scandal I am convinced it happened to me. 
My email address is XXXXXXXXXXXX and my Cell number is XXXX but I know the bank has all my records going back.