davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
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. (FL)

I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX    report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   CB 's  requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court statin g that they do not verif y ANY  public records to the credit bureau. So this ma kes 2 letters back with 2 d ifferent stories about how they allegedly verified this information of which both are inaccurate. On   XX/XX/XXXX  , I called the   XXXX   credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This is  MY credit  file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done the job right the first time I would n't have had to request this a  3rd tim e. I will also be sending copies of this to the BBB and the Attorney General for review.
Consumer complaint received 2017-07-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (KS)

XXXX /2014 I applied for a business line of credit with wells fargo and was told the application was denied! A few days later I get a call from a upset business manager, who told me that the loan notes included racist information about me and me co signer! stating that I was a younger   XXXX   women and he was a older  XXXX  nice male that just wanted to help, but maybe getting took advantage of! because of this I know my loan was denied! the business manager also said that we were approved for a credit card which was never offered to us as a option! the business manager wen on to say that she reported it to the branch manager which nothing was said to me or done for me to make this right! the man they say I was taken advantage of is the father of my child and we still to this day have a relationship. It was never none of there business my color, age or relationship to my cosigner. I did contact a lawyer about filing a discrimination suite but was unable to afford it and just out right did n't know what to do! I do know wells fargo is prejudice and a very unfair bank! the loans specialist do not receive any consequences for her actions and I was unable to get my business up and going without the loan!
Consumer complaint received 2017-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (TX)

I have paid off my student loan ( account #   XXXX   ). On  XX/XX/XXXX , Discover Student Loans issued me a letter saying that they owed me money under a Consent Order with the Consumer Financial Protection Bureau and had issued me a check in   XXXX   that I had not cashed. I never received that check. The  XX/XX/XXXX  letter gave me until XX/XX/XXXX  to reply to have the check reissued. I was out of the country for work between  XX/XX/XXXX  and  XX/XX/XXXX , giving me no time to actually respond to the letter. When I called Discover today,  XXXX , the agent, was incredibly nice and explained that because the date had passed I would have to contact CFPB directly online as stated in the letter. There is no instruction on the letter about where to go on that webpage or what to do when I got here. I would like them to arrange for me to get the money owed under the Consent Order.
Consumer complaint received 2019-10-23
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: EQUIFAX, INC. (LA)

Please reverse the late payments reported on the following accounts : XXXX XXXX****, XXXX XXXX XXXX**** and XXXX XXXX XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2017-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

XXXX XXXX, 2017 opened checking acct by depositing my pension check, tried to get cash for bill paying, including making my mortgage payment in a timely manner by check ( as per usual ). the new vice president/manager XXXX XXXX refused to allow me to follow this regular type of procedure i have used month after month with any other bank. the bank i am complaining about is mufg union bank at XXXX XXXX XXXX XXXX calif. XXXX XXXX refused to allow me to make my own mortgage pmt, insisted she wanted to make the payment herself and that she wanted me to provide her with a copy of my mortgage bill. I stated that although i could provide that, it still is my role to pay my own mortgage. I have not provided her with a copy. I learned later in the week from one of the tellers that XXXX XXXX did not deposit my pension check in the usual manner, but instead sent my pension check back to my pension department : " XXXX  XXXX XXXX XXXX XXXX. 'XXXX XXXX complained to XXXX that an appropriate approving signature was not present on my pension check, wherein the party taking the call ( i could not ascertain who that party was ) informed XXXX that if she would look on the other side of the check, she would find that very easily. this held up my receiving any monies from my acct for about one week, and i was therefore 'broke. '' XXXX XXXX did not discuss or allude to any teller providing me with any cash until over one week following the opening of my account. she did not discuss if there would be any fees if i left this bank prior to 30 days ; however, i am very concerned that she would charge me a substantial fee to exit. i overheard a bank employee state that she charged me {$5.00} dollars to deposit my pension check. XXXX XXXX has never responded at any time to any of my clarifying telephone calls to her.
Consumer complaint received 2017-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

I checked my credit report and there were  XXXX  accounts reporting from Wakefield & Associates that do not belong to me and I have no knowledge of. I attempted to have the accounts validated thru the credit bureaus and also with Wakefield & Associates with came back validated. Wakefield sent me  three  print outs that do not show account numbers, dates of service, no original documentations with my signature or anything that validates these debts. Also the print outs that they sent me have different amounts from what they are reporting to the credit bureaus. I also believe them to be in violation to the HIPPA laws.
 XXXX 
Account Number : (   XXXX   ) Account Number : (  XXXX  ) Account Number : (  XXXX  )
Consumer complaint received 2017-05-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WI)

On  XXXX   XXXX    XXXX   I contacted  Navient  in order to try lowering my monthly payment as it jumped from  XXXX  to  XXXX  in a month. I could n't afford this new amount. I spoke with a representative in order to take care of this. I was told I could consolidate the  3 loa ns within the company for a lower interest rate, lower monthly payment but it would extend my loan in years. I was fine with that, I agreed to a payment of {$62.00} a month. I was informed that I qualified for this program and that I would have to m ake 3 consecut ive monthly payments of {$62.00} in order to stay in the program. On  XXXX / XXXX /  XXXX  , I logged into my bank account to see that not only did the {$62.00} come out of my account, but also the amount of {$200.00} that as my previous payment amount that was suppose to be discontinued. When I called  Navient, each  person told me something different, I finally spoke to someone and they were going to send an email to their boss to get my {$200.00} overpayment deposited back into my account, as the review of my account showed the person on  XXXX / XXXX /  XXXX   was suppose to cancel the  XXXX  payment. I logged into my  Navient  Account on  XXXX / XXXX /  XXXX   and the prior payment plan was still in effect. So I calle d Navient once again . They had then told me that I never actually was enrolled into a program, that the lady I spoke to a month prior just created the payments. Okay so now I am confused as to what really happened. Spoke to numerous people and then finally to  XXXX , who informed me that the employee just created payments, that i never got qualified for this new payment plan. Okay so I ask as how to lower my monthly payment, she tells me there is no way in which to do that and that my payment instead of {$200.00} will now be {$230.00} a month once again upping my monthly payment  again, 3  time in 3 months. They refuse to help at all, each person makes an excuse for the prior person. I have never had a problem with a loan company before as I have with Navient, I do n't feel that them continuing to up my monthly payment each month to satisfy them is fair to me as the loan holder. I do n't know what else to do at this point.
Consumer complaint received 2023-07-20
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. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$90.00}.
Consumer complaint received 2017-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (LA)

in XX/XX/XXXX  I purchased a puppy and took him to   XXXX   XXXX   XXXX   during the visit I was asked if I wanted to purchase puppy insurance which was {$35.00} per month, I was only able to use it once because the vet stopped working for   XXXX   in  XXXX  or  XX/XX/XXXX at both locations in my area. In  XX/XX/XXXX I had to get rid of the puppy due to unforeseen circumstances and was still being charged. I received a call in  XXXX  from one of the  XXXX  reps requesting payment where I informed him that I no longer had the puppy, he stated that I was still responsible for the insurance even if I did n't have the dog at that time it was only {$150.00}.   XXXX   XXXX   XXXX   and IC systems are reporting on my credit reports that I owe them {$630.00} dollars as of  XX/XX/XXXX . How did the payment go from {$150.00} at the time that it was reported that the puppy was no longer in my possession to {$630.00}. If you calculate the amount of payments by 12 months it does n't come out to what they are trying to collect. They should not be allowed to continue to charge people for services they CAN NOT provide, or try to over charge for services that are no longer needed.
Consumer complaint received 2017-07-16
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: REGIONS FINANCIAL CORPORATION (FL)

1.   XXXX   XXXX   2.   XXXX   3.  XXXX  4.  XXXX  5.   XXXX   XXXX   6. Regions Bank 7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Consumer complaint received 2017-05-18
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)

Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016  under the name of  XXXX   XXXX   XXXX   XXXX .     I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct.     I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax and have not received a reply and it has been over 30 days. I have included a copy of this letter to have this inquiry removed ASAP.
Consumer complaint received 2017-07-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: U.S. BANCORP (CA)

Applied for Home Equity Loan  XXXX / XXXX /17.No amount was requested. Believed amount of approved HELOC would be defined by lending agent, U.S. Bank. At the time of the loan application, I was aware of approximately {$50000.00} equity in my property, a condominium and I disclosed this information to the manager   XXXX   XXXX  ,  XXXX . who initiated the loan process and communicated with me until all documents needed for the loan assessment were submitted. Upon initial conversation with the Branch Mgr., he indicated the preliminary data indicated I should qualify for a {$72000.00} loan but I was NOT informed that this was the amount he was requesting in loan application.
On  XXXX / XXXX /17 I was informed by email and letter that the loan was denied due to " value or type of collateral not sufficient '' AND " insufficient amount of equity based upon the loan to value percentage ''. Per denial letter instructions I request further explanation from the Branch at (   XXXX   )  XXXX , receiving no additional information.  XXXX / XXXX /17 I requested Branch Mgr. to follow up with Corporate Office with no further clarification.
Question : How can loan be denied for LTV when no amount was requested by the applicant? If lender does not approve HELOC 's for condominiums, this information is needed as a consumer so I can understand my future lending options.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (MD)

I have mad e 3 attem pts to rectify this account with this debt collector. No matter how much sense it makes they just continually say the same thing. My first problem is my lease was broken  by 2 weeks n ot 4 months. The lease dates are not correct. The lease they provided me was not dated by me or the resident agent because I opted not to renew the lease. Also there are previous charges of almost {$3000.00} but they failed to provide a printout for what those charges were for.They have to early termination charges of {$1700.00}  one states Pre-Term the other says Lack of Notic e which is the exact same thing worded differently, also in the contract there is not a clause presented in reference to early termination fees. The amount they are saying I owe is utterly ridiculous.
Consumer complaint received 2017-05-18
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , CA  XXXX  PH :  XXXX  I Have tried to resolve this matter but no respond to me nor the BBB are the  XXXX  Credit Bureau. Yet the  Collection Agency  did another inquiry on my Credit Report  XXXX   XXXX    XXXX  .     Although they provided the service for me, they failed to properly bill my insurance carrier, which is  XXXX . Instead, they billed my secondary insurance,  XXXX , which would only pay what  XXXX  does not. I have repeatedly tried to resolve this issue but no avail. Therefore, since it is not my fault for their improper billing with my insurance carriers I hereby disputes this debt in its entirety and demands that you immediately contact your collection agency and cease and desist from your collection efforts and to have your collection agency retract any of adverse reporting to the credit bureau regrading this matter. I was not notify about this bill before you sent it to the collection agency, which show your guilty
Consumer complaint received 2024-11-07
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: NAVY FEDERAL CREDIT UNION (NC)

IN XXXX XXXX XXXX DID HARD INQUIRE ON MY CREDIT REPORT, THAT I DID NOT AUTHORIZE. I REQUESTED IT BE REMOVED AND WAS TOLD THAT THEY COULD NOT REMOVE IT. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY.
Consumer complaint received 2017-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed unauthorized inquiries on  2 o ccasions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX   XXXX  Inquiry    XX/XX/XXXX     XXXX   XXXX     XXXX   Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry    XX/XX/XXXX      XXXX  Inquiry    XX/XX/XXXX   XXXX  I nquiry   XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX  CAP ONE  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (PA)

I fill out a application for a jcpennys credit card, and the lady at the jcpennys said her credit score was  XXXX  hundred and she got approve for jcpenny card. My score is  XXXX , and they did not approve me and I fill like u got discriminated against.
Consumer complaint received 2017-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (UT)

I started doing business with  PayPal  in  XXXX  of   XXXX  . At that time my  credit score w as around  XXXX . Because I did a lot of business I was put on  a 21 -  day rolling hold to withdraw my funds - to make sure that I fulfilled the orders put through my  XXXX  store. I complied with this, but due to the rolling hold which reached above {$25000.00} I had money on my credit cards. This was n't a problem and I figured it was part of " having to do business with  XXXX  ''.     During that time, due to funds being on my credit cards, my  credit score  took a temporary dip to  XXXX , which I was also okay with knowing that the money was going to be paid off. But then, on  XXXX   XXXX ,  PayPal  checked my credit and said that it now was low enough to change my 21 day rolling reserve to a 5 % 90 day rolling reserve, due to my  credit score, which they caused to drop. Now I 'm almost 60 days into that 90 day rolling reserve and PayPal will not review my reserve for 6 months from when it was put on. So PayPal  is currently sitting on {$5800.00} and I 'm only  2/3rds t hrough the first round of reserves.     My average margin is well above 5 % and usually closer to 13 %, but there are times when my margin, on certain orders or through promotions, are below 5 % so I 'm taking a cash flow it. I also provide for a wife and  XXXX  kids, the money that PayPal is sitting on could pay off the loan of  one of our cars ; but they refuse to even look at removing the reserve for another 4 months even though I 've been a good customer and have processed {$180000.00} through PayPal  since  XXXX   XXXX ,   XXXX  .     When I  ask PayPal for an explanation, they say that they 've done this for multiple factors, including my credit score. This d oes n't feel ethical or honest, and does n't seem like a bank would be able to get away with this same behavior.