davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Reliant Capital Solutions, LLC (MD)

In XX/XX/XXXX I began the mortgage process. i found a home in XX/XX/XXXX and was just advised by my lender that in the XXXX XXXX reporting system there is a notation that i currently ow a student loan from XXXX. US DEPT OF ED is NOT reporting on my credit report and has NEVER made me aware of the debt. I called them and was given the number XXXX NO ANSWER but i was transferred to XXXX XXXXl ( think thats the name ) to see about the debt. The total is {$4100.00}. They offered me a 9 month rehab plan BUT that is way too late for me to complete this mortgage settlement. I asked if i could settle or pay a certain portion to bring the account out of collections and the answer was no.
Consumer complaint received 2021-10-14
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. (TX)

On XX/XX/ 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 30days gives a reason to immediately remove those items from 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-14
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: Experian Information Solutions Inc. (GA)

Experian is falsely stating that they have verified a bankruptcy # XXXX with the furnisher who is a third party company. I have disputed this account with Experian on XXXX, XXXX, XXXX, and XXXX of 2021. They asked me to dispute the information with the furnisher in XXXX of 2021 and I then provided proof which I have provided to them several times and yet they still state they have verified the information despite having the documentation provided from XXXX that this account was deleted because they could not verify the accuracy of the account. I have also contacted the clerk of courts on XX/XX/2021 and they also verified that they do not verify any personal records for any individuals or sources and that they do not have control over misuse and misrepresentation that is being reported in error by third parties. I am asking Experian to please provide documentation of this account that they are erroneous and falsely reporting. I asked that they investigate this account accurately and fairly and to provide supporting documentation. How can Experian take advantage of a consumer by not providing the requested documents to verify the accuracy of this account. Experian is clearly breaking the law. Per the Fair Credit Reporting Act the account must be thoroughly investigated and documentation must be provided. Per the FCRA it is Experian duty to update and correct information and to provide valid documentation of the disputed account. It is against the law to report third party information without truly verifying the source for accuracy. It is detrimental to the consumer to have this inaccurate account reported and is very timely.
Consumer complaint received 2021-10-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FREEDOM FINANCIAL NETWORK (TX)

TO WHOM IT MAY CONCERN I AM SENDING THIS MESSAGE BECAUSE I WAS NOT SATISFIED WITH YOU GUYS SERVICE. I SENT YOU GUYS ALL MY {$850.00} WHICH WAS MY RENT MONEY AND NOW MY FAMILY HAS NO WHERE TO LIVE I REQUESTED REFUND ON FRIDAY XX/XX/2021. THE PERSON WHO WAS TO RESOLVE THE MATTER HUNG THE PHONE WHILE TALKING TO ME SEVERAL TIMES. I KNOW YOU GUYS ARE NOT OPEN TO SEND MY {$850.00} TO ME TODAY SO I AM DEMANDING THAT THIS REFUND TAKES PLACE EARLY TUESDAY MORNING SO THAT I CAN PAY MY RENT. DIRECT DEPOSIT THE MONEY ASAP. 


ANGRY CUSTOMER XXXX XXXX I WILL NOT CALL YOU THE ONLY THING I NEED IS MY MONEY!!!!!! 


XXXX WAS THE PERSON WHO TOLD ME THAT HE WOULD REFUND MY MONEY ON FRIDAY XX/XX/2021!!!!! {$850.00} AND XXXX XXXX PROMISED ME {$1400.00} NEED AN ANSWER ASAP
Consumer complaint received 2021-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2021-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

ON XX/XX/21 I CONTACTED XXXX AND TRANSUNION IN REGARDS TO INQUIRIES THAT WAS ON MY CREDIT REPORT. ON XX/XX/21 I SUBMITTED MY POLICE REPORT AND ON XX/XX/21 I SUBMITTED MY FTC REPORT. THE FTC REPORT ONLY ALLOWS YOU TO PUT 3 INQUIRIES IN THE APPROPRIATE SECTION ON THE FTC REPORT, ANY MORE WOULD HAVE TO BE ADDED IN THE PERSONAL STATEMENT SECTIONS. I'VE CALLED THE FTC AND VERIFIED THAT THEIR HAVE BEEN CHANGES MADE AND YOU CAN'T ADD 50 INQUIRES TO ONE FTC REPORT. THE SUPERVISORS WAS VERY RUDE AND ARGUED ME UP AND DOWN THAT I WAS BASICALLY LYING. I NEED THESE THINGS OFF MY CREDIT REPORT I'VE BEEN GOING BACK AND FORTH WITH THEM FOR OVER A MONTH NOW AND I'M VERY FUSTRATED AT THIS POINT.
Consumer complaint received 2021-03-15
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: CITIBANK, N.A. (CA)

ON MY XX/XX/XXXX RESERVED A RESIDENCE STAY WITH XXXX FOR THE PERIOD JXXXX XXXX XXXX 

DUE TO THE HOG FIRES IN SAME PROXIMITY OF THE RESIDENCE STAY. I CANCELLED RESERVATION. BOTH THE PROPERTY MANAGER AND XXXX ASSURED ME THAT I WOULD BE REFUNDED. 

CITI - THE CREDIT CARD CO. STATES " THE MERCHANT IS NOT WILLING TO ISSUE CREDIT TO MY ACCOUNT ATTACHED IS WEBPAGE CORRESPONDENCE WITH XXXX XXXX PROPERTY MANAGER '' DATED XX/XX/XXXX ATTACHED IS EMAIL WITH XXXX REPRESENTATIVE XXXX DATED XX/XX/XXXX. 

ATTACHED IS LETTER FROM CITI DATED XX/XX/XXXX. 

TOTAL CHARGES {$1700.00}
Consumer complaint received 2022-12-28
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: William Lavender dba Credit Restoration Services (FL)

I paid money to only go without repair or communication. I had to reach out several times to only get told he was out of town. When I did get in contact he would claim to call me the next day in office with info. I requested to see proof of credit repair he had done since I saw none. I requested a refund. I received none. {$450.00} and not even some refunded. A complete fraud. I noticed there are several people who have done reviews on being defrauded.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CA)

In the mail, I received a Wells Fargo Visa debit card in my name. Separately in the mail, I received a pin number for this card. The paperwork included says there is a {$2000.00} purchasing limit on the card. 

I closed a Wells Fargo account over 10 years ago. I do not have any account with Wells Fargo and did not apply for this card. 

I checked my credit report and see there was a " soft inquiry '' made by Wells Fargo on XX/XX/2021. I did not get an alert from the credit company because it was not a hard inquiry. 

I believe Wells Fargo knowingly reopened an old account without my permission. This is an unauthorized account. I called Wells Fargo and closed it but was on hold for 60 minutes before I spoke to someone and we were mysteriously disconnected before we were finished. I am thoroughly alarmed by Wells Fargo. 

I also received the same exact two pieces of mail addressed to someone else, who I don't know, with my address on the envelopes. As far as I know, this person has never lived at my address. Now, I have a Visa card and pin number for a card in his name.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX chase closed my account because they deemed it to risky, which is their right to. On XX/XX/XXXX my paycheck hit the account and its still sitting there. It is now XX/XX/XXXX and they have refused to give me access or to send me a check for the remaining balance. Which totals over XXXX. I have now been without money for almost 2 week because theyre holding my money hostage. My rent is late now, and now all of my bills have late fees because they wont give me my money. I need the government to step in and force them to at the very least send me a check for whats left.
Consumer complaint received 2021-10-13
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. (OH)

This is unfair and unacceptable. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature and authorizing an inquiry.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MD)

I had unauthorized charges on my account. These charges were in duplicates. ON XX/XX/XXXX in the amount of {$4900.00} a company called XX/XX/XXXX charged my card 2 times. I contacted this company regarding these charges and was not provided any resolution or refunds. 

I have disputed these charges with Wells Fargo on XX/XX/21. Their fraud and member services opened a claim. The claim number is XXXX. Their investigation terminated on XX/XX/21 which resulted in a denial of my claim. In a letter stating, I authorized these charges based on my statements. I have not authorized any duplicate charges for any merchant at any time using this XXXX XXXX account or any other in my name. 

I know these charges to be fraudulent and under my rights of Consumer Credit Protection Act any charges on my debit card which are not authorized as to be refunded. 

XXXX XXXX, Senior Vice President of Wells Fargo has not cooperated with my dispute case. I am seeking a refund for the fraudulent charges.
Consumer complaint received 2021-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I been in the forbearance program since XX/XX/XXXX when the Pandemic start and i was schedule to be out in XX/XX/XXXX, since than i been dealing back and fort with my Mortgage company which is Lakeview Subserviced by XXXX, they keep denying the require paper work to complete the XXXX XXXX, so far i have return 2 set of paperwork sign and by the Notary Public they keep saying that is wrongful fill out, since last one send out to them i have ask to have a Mobile Notary Public that i'm waiting it has been a month today XX/XX/XXXX that Mobile Notary Has not contact me, I call today XX/XX/XXXX and spend 2 hours on the phone to speak with a member of management XXXX ID XXXX from XXXX  XXXX and provide a Tracking number from XXXX XXXXXXXX which they was send out in XX/XX/XXXX and XXXX XXXX and could not be located, documents were requested Wednesday XX/XX/XXXX for second time which are due to be return in Thursday XX/XX/XXXX and still have not receive a call from Notary public to schedule an appointment to sign documents.
Consumer complaint received 2021-10-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Date : XXXX 2021 ACH Transfer : SBA EDILSG loan Amt : {$5000.00} Date : XXXX XXXX 2021 ACH Transfer : SBA EDILTG loan Amt : {$10000.00} These were deposited into my checking account with bank of america and when this was transferred I was not aware that I was going to receive these loans because the SBA actually put me in to get those funds because I previously had a PPP loan with this account information on my application. Basically the SBA used the account already on file to transfer my EDIL loans to. I do have a business account with a different bank. The bank of america recently closed my accounts because of past deposit made through the mobile app NOT authorized by me, in which I reported identity fraud and theft so they ended closing the account. But decided to do so after the ACH transfer of XXXX then said they mailed me a cashiers check i waited for 2 weeks to receive it. I was told by 4 employees of the bank that. When 2 weeks past i called bank of america again and they said sorry we decided to hold that money for verification until its confirmed because it was transferred into my checking instead a business account. I explained my reasoning that the SBA used prior account info to transfer funds. That if I had knowledge to the deposit i would have had it transferred to my business account. But again I had no control over that. I am super extremely upset that i was lied to about receiving a cashiers check when that actually wasn't even true. Then withholding my funds that are seriously needed to buy supplies and help me with transportation for my business to keep rolling. I cant work now because of this and have clients waiting on services i can not provide without these funds. There's absolutely no reason to withhold these funds from me the funds are mines and are the reasoning for my business to continue so i can support my family. 
Indeed I have reported identity theft and fraud to the right agencies and i have proof of that. My entire wallet was stolen and my phone i never have done anything illegal to be treated like I'm the perpetrator when in fact i am a victim. I have been more than patient for over a month now. The bank lied to me for 2 weeks then kept giving me the run around. I already contacted the SBA regarding this, and have requested for the funds to be sent back and re deposited into my business account. I am making a complaint because I lost out on a lot of revenue and money not being able to fund my business which is why i received these funds and have not been able to work or fulfill needs of clients. Thank you for your time! 
XXXX XXXX
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (IN)

n accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under! 5 USC 1681. 

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 has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-15
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. (GA)

I am a victim of identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy as a consumer.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital added a restricted to my XXXX account of needing further verification, due to high fraudulent occurrences. My attempt was making a payment for my XXXX,  and the payment was canceled. The email stated to call to verify. I made 3 attempts to verify my account, and I was provided 3 different options ( by 3 different Reps ) on how to removed the restriction. All options ( by phone ) I provided as asked, but was still told I needed more proof/contact the fraud department. The fraud department stated that I need to provide proof of Id. A link was sent out, and my passport was uploaded. Then I called back afterwards to verify if the documents was received the stated yes, but it will take 7 days for the fraud department to verify the document. Capital One fraud department reached out on XXXX  stating that my passport is not acceptable for proof of ID, and my account will remain restricted until a drive license or id is provided. Capital one has on file a copy of my passport that has been used inside of the Bank on previous transactions. My payment was taken after a second attempt, but my account was to be verified before the payment could be accepted. I have attached from Capital One website the proof of acceptable documents DateXXXX Amount:XXXX Actions : Restricted my XXXX  account
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (VA)

On XX/XX/2020, I received an alert from XXXX  that {$1600.00} debt was placed on my XXXX  credit report by Midwest Recovery Systems. Have no idea what for, never received notice of debt or right to dispute.
Consumer complaint received 2020-12-23
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: TD BANK US HOLDING COMPANY (MN)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$3600.00} Highest Balance {$0.00} Terms 36 Months Account name : # XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$520.00} Highest Balance {$0.00} XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Recent Payment $ 112 Monthly Payment {$470.00} Original Balance {$24000.00} Highest Balance {$0.00} Terms 84 Months Account name :, Account name : # XXXX, These Companies has violated my rights. 

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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.