davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI)

On XXXX XXXX, 2015 I visited the drive through at First Merit bank in. XXXX. Michigan. XXXX XXXX XXXX XXXX , Michigan XXXX. I deposited XXXX checks totaling {$3500.00}. I asked for {$200.00} cash back. Please see attachment of deposit slip. I put that the {$3500.00} with the {$200.00} cash kept that I was making a total deposit of {$3200.00}. The math is obviously wrong. The deposit was to be {$3300.00}. There is a {$100.00} discrepancy. The math error was my fault. The teller gave me {$200.00} in cash and I was given a total deposit of {$3200.00}. Nothing was said and nothing was corrected on my deposit slip. I counted the {$200.00} given in XXXX twenty dollar bills and drove away. I later examined my deposit slip online and noticed the error. I brought it to XXXX 's attention at First Merit bank. She told me that I was given {$300.00} in cash that day to correct the error. I was not. I was given {$200.00} in cash. I asked her for the bank video and she said that there would be none. She refused to give me my money back. The deposit slip says it all. The math is wrong and there are no corrections on it. I was only given {$200.00}. I certainly would notice if I was given an extra {$100.00}. I know {$100.00} is not a large sum of money and maybe not worth this hassle but I feel cheated to and lied to. This is not fair. Please examine the handwritten deposit slip. I have front and back from my transaction. It is not corrected but it cleared the system.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (NJ)

PLEASE DO NOT REJECT THIS COMPLAINT. THE LOAN/ACCOUNT IS IN XXXX XXXX XXXX NAME AND I 'M XXXX XXXX THE RIGHTFUL OWNER AND THE ONLY OWNER TO THE PROPERTY SECURED BY THE CURRENT LIEN. I 'M NAME IN THE FORECLOSURE ACTION / LAWSUIT AND I HAVE ATTEMPTED TO RESOLVE THIS MATTER. 
I have tried to save my home for nearly 2 years or more now. I have continued to receive the runaround from the following parties XXXX XXXX with The XXXX XXXX, Selene Finance and their various representative, XXXX Mortgage XXXX XXXX. I provided all the documentation that was asked of me to include a plan to resolve the mortgage and unfortunately no one has responded back to me. The loan is currently in the name of party who is non responsive however through a court order the house was awarded to me. Please help, I want to save my home and I can afford it. See all documentation and communication.
Consumer complaint received 2016-04-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (FL)

I have obtained a Car Loan with American Credit Acceptance in XXXX have have paid on time over and above the minimum payment which is {$300.00}. The record will show I am paid up several months in advance in order to minimize the High Interest Rate. 
However, to no avail, most of the payment ALWAYS goes towards interest paying very little on the Principal. I tried to refinance for a better terms with Credit Unions, and Commercial Banks, and each time I request a payoff, I am quoted over the phone, exactly the outstanding balance on my statements, In other words, no discount for paying off ahead of time. 
Since XXXX XXXX, XXXX, I have requested a payoff and was promised that I will received the information by email. The New Lender called over and over, and was promised the same thing. Now the balance have increased from {$3600.00} since XXXX XXXX, to XXXX XXXX, XXXX to {$3600.00}. 
It appears over the last two years, American XXXX Acceptance does not want to have loan being paid off by another Lender, so they delay, delay, delay until I give up. 
I am XXXX XXXX XXXX and can not ward off imminent medical issues that comes with getting old, and all I want to do is pay off this loan
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act, The list of accounts has violated. My federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 ... 
Account Names.. XXXX XXXX XXXX ... Account # XXXX ... Account Name ...XXXX XXXX XXXX XXXX XXXX XXXX .. Account # XXXX ... Account Name..XXXX XXXX XXXX XXXX XXXX.. Account # XXXX Account Name.. XXXX ... Account # XXXX ... Account XXXX... XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... 15 u.s.c. 1681 Section 602 A. States I have the right to privacy. 15 u.s.c. 1681 section 604 A-Section 2 : It also States a consumer reporting agency can not Furnish a account without my written instructions. 15 u.s.c. 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Delev & Associates, LLC (OH)

Delev law is currently working an account on behalf of university XXXX. they claim that i owe for a class that i did not sign for and did not attend. they took me to court in XXXX Ohio where i do not live and have never reside. iI did not dispute that i attended school at the university XXXX, through teleconferencing, but i did not take this class, as i Un-enrolled before the time in question. they do not have a signature by me. the judge would not hear me out said that I owed, by the time it went through the court it was inflated from a XXXX dollar debt to over XXXX. The state of Ohio has taken my state tax return for the last 3 years for this, I have paid over XXXX dollars towards this and they continue to state that I owe XXXX now. To make matter worse, they have assigned my account to a XXXX XXXX. The collector will not take my call or my husbands call, when we are available. He is always out of the office. We ask for another agent or his superior, and they state that we have to talk to him that he has final say on the account and they can not help us. WE just want to be done with this, we have made an offer of XXXX to settle, the office of Delev refused, stating that would not be accepted, even though they did not send that to the client for approval. They refuse to work with us only demanding that the balance be paid immediately and nothing else. I asked if I could talk to XXXX University direct, they said no, I asked if I could talk to someone at the Attorney general office they said no. They did n't read me a mini miranda, they did not give me full and complete information about the debt. I feel that they have broken the law in the state of Ohio by not giving me proper information or ability to take care of this. I do not want to deal with this office and request that it be sent either to the original creditor or The actual attorney general office directly.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

We request your action against the XXXX which failed to protect its customer ( XXXX XXXX XXXX XXXX XXXX under Fair Credit Billing Act ( FCBA ) and paid a merchant for goods not received by the consumer. 
XXXX XXXX accepted the forged XXXX delivery receipt although the consumer confirmed that did not receive the goods and XXXX confirmed unavailability of signature. 
On our dispute that recipient of our order did not receive the goods, the merchant provided additional forged email as evidence to its delivery to the recipient of our order. We do understand that XXXX XXXX is not a law enforcement authority but at least it could question the merchant if the provided proof is forged on the basis of the police report we had submitted to it. 
The claimed delivery address does not belong to the recipient of our order. We provided the evidence to the XXXX XXXX that the merchant was aware about this fact and looking for our help to subpoena the property owner where it claimed the delivery.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (PA)

I have disputed the XXXX inquiry 's on my reports 3 months ago I never got any notice of. Resolution at all. All of them are still on there. Some of them are on there XXXX. I 'm supposed to have a fraud alert on all reports but noone checks with me before they hand out my report 's to everyone. I do n't authorize any companies except XXXX. I 'm upset because the company 's did nothing to fix this problem. I never received any information on my disputes.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX, FL XXXX Equifax XXXX, GA XXXX XXXX XXXX, Texas XXXX XXXX, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL XXXX
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (SC)

Equifax continually discriminates towards me as XXXX XXXX US citizen *prohibiting all access for me to call executively about my consumer profile from every phone number I have within the US . @ XXXX XXXX XXXX in the XXXX executive office in consumer affairs consists on laughing the matter off than hangs up when I requested their IT dept. This was reported to their human resources director XXXX XXXX XXXX that I suspect internal compliance violations by their executive office that is solicitously invading in affairs of my consumer privacy on purpose & it needs to stop soon or I will seek to press charges. Do n't I have the right to be concerned when I 'm denied technical assistance?
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

i looked at my credit report and there is something in XX/XX/year> beginning date with a 1 month term and then it also said on the XXXX  report it will be removed from the rport at the end of the year. the amount is over XXXX
Consumer complaint received 2016-05-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

I have XXXX checking accounts with Wells Fargo. Apparently they have been charging a fee every month to XXXX account because I failed to meet XXXX of the XXXX requirements -- that my account is linked to XXXX other WF products or services. I would have met the requirement except that my credit card was nominally linked to a second checkings account for which I already did n't have to pay fees. 

I finally noticed this and called Wells to report the issue that had been going on for a year. They admitted that it was a mistake on their part and agreed to refund 70 % of the fees. However, they would only do this for the previous three months ' fees because " the tool for refunding only lets them go back 120 days. '' This does not seem like an acceptable reason for failing to compensate customers for their mistake : if they err and take {$120.00} from me then I should be entitled to all of it back without their own internal tools as barriers! If others have been experiencing the same problem of WF only refunding mistakes through 120 days prior, then I imagine this could be a case of serious aggregate consumer harm.
Consumer complaint received 2016-07-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (IL)

XXXX XXXX 2016 XXXX hours Multiple individuals attempted to assist me, completely failed and I was too outraged to get any names. Spoke via telephone to XXXX customer service agents, who were worthless and incompetent. Western Union is taking extremely horrendous care of a veteran. WU is using fraudulent advertising & claims. WU DOES NOT help people send money. WU is NOT fast, DEFINITELY NOT reliable and darn sure NOT convenient. I was actually told that I was NOT ALLOWED to file a complaint ticket due to WU XXXX up my transaction. I have documented proof that I submitted the transaction correctly. I will be contacting my state regulators, state legislators, federal regulators and federal legislators. And everyone else I can think of. I have been treated incredibly unprofessionally. This is a huge load XXXX I was on the phone, most of the time on hold, for 45 minutes. If it was truly my fault, then why did at least XXXX people need to get involved and why did it take 45 minutes!
Consumer complaint received 2016-01-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (OR)

Sirs : Reference my complaint, No. XXXX : I submitted a timely dispute of Equifax 's response to my complaint. 
I have not received any reply to the dispute of Equifax 's response. 


They lied when they said they contacted me about a " promotional block '' last fall. 
I can forward the weeks-long chain of email inquiries with them. 
More importantly, they failed to answer the question concerning whether they betrayed my trust and sold my personal information to outside, non-credit or bank-related entities. ( I.e. Advertisers! ) I also did not receive a reply from the CFPB. 
Were Equifax 's actions legal? 
They act in a " quasi-governmental '' role and are even referred by numerous US Government agencies and websites. 
Was their disclosure of my PII to commercial entities legal? 

Thank you. 
XXXX XXXX
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Dear CFPB, I 'm submitting this second complaint which is a continuation of the previous complaint Case number : XXXX which is now in progress. I need to tell you that Equifax is not being correct in their procedures under the FCRA. I sent official color copies of my passport and personal identification along with the issue regarding the incorrect XXXX XXXX account showing in my Equifax file. 

As you are well aware, federal law requires them to respond within 30 days. It has now been over that period ( 45 days ) since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is a serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. They are essentially now taking 75 days which is not acceptable. I have proof from XXXX and XXXX who did diligent investigations and corrected the information with 30 days as I sent the same letter to all XXXX agencies at the same time! 

The other issue is that I was a victim of ID theft and 7 months ago sent them the police report and FTC affidavit. After spending 7 months of clearing this up I also sent letters to all XXXX agencies to remove the credit freeze and fraud statement so my files are clean. Again Equifax has not followed through on this either! I 'm going to go to federal court if they do n't get their act together.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (VA)

Please investigate FRAUD by credit reporting bureaus. I ran my XXXX bureau credit with Equifax ; my banker ran my credit with their XXXX bureau credit system on the same day. The systems are not reporting the same information to the consumer that is reported to the banks. For mine, there is a huge difference between the scores yet XXXX reports are based on the same information. The bank 's scores are MUCH lower which will affect my mortgage rate. Please investigate and respond to me to learn why the consumer-facing systems do not match bank-facing systems. Are the XXXX bureau credit check committing fraud with consumers? Attaching XXXX reports summarized as : Bank 's Equifax XXXX ... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires on Equifax : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquires are related to none of the aforementioned permissable purposes : XXXX XXXX XXXX. Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX Dated XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX Dated XXXX/XXXX/XXXX. I have asked the creditors and credit bureau to provide me with proof of my signature requesting the credit. Still no proof submitted from them.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I paid my credit card off last year. XXXX XXXX is still reporting that I have a balance on the account. This information is incorrect, it also shows that I was late numerous months. I have disputed this several times with all XXXX bureaus and they refuse to remove it. It shows that I have a balance of {$290.00} as of XXXX/XXXX/XX/XX/2015
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc. (NJ)

XXXX XXXX did not apply my check payment confirmation XXXX {$92.00} on XX/XX/23. Rep XXXX XXXX confirmed and would adjust accordingly. Also, notified Diversified Adjustment Services XXXX XXXX XXXX, MN XXXX via mail.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

In XXXX 2015, I spoke to Carrington mortgage to arrange to get current on my mortgage. The Carrington representative and I agreed I would make XXXX payments of approximately {$3000.00}. The Carrington representative took out the first installment of approximately {$3000.00} on the day we made the agreement by phone. About two weeks later I suffered XXXX and was unable to work. I was in the hospital and very limited physically. During this time, Carrington sent the agreement in writing to my XXXX XXXX XXXX which I was not able to check until much later when I was discharged from the hospital and able to walk and start leaving the house driven by family members to do errands. When I checked the mail, I got the letter from correspondence that incorrectly documented our agreement by stating I had agreed to make XXXX payments of more than {$5000.00}. This simply did not occur and was not the agreement made with my by the representative on the phone in I believe XXXX. If you note the payment I made it was approximately {$3000.00}, not {$5000.00}. I am upset that Carrington misrepresented the agreement and would like the company to review the phone records of the call to confirm that I did not agree to pay XXXX payments of {$5000.00} as I know I could not and did not make such payments, beyond the first {$3000.00}. Now that I am recovering from my XXXX XXXX I would like Carrington to explore my options for getting current on my mortgage and keeping my home.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I had XXXX accounts with XXXX XXXX and XXXX of them was a paid in full charge off that happened back in XX/XX/XXXX. Today, I have a perfect credit but still have this charge-off showing so I did what any person would do and disputed the charges. Today, I logged in to check my credit before traveling to XXXX tomorrow to find a place just to see that of course the item was not deleted as it should had been be re-aged to having derogatory marks that supposedly happened in XX/XX/XXXX. After almost having a XXXX XXXX, I tried to call them but they do n't have a number for you to speak to someone unless you purchase a credit report. This is a joke right? The account # is XXXX