davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have previously contacted Equifax regarding the inaccurate, offending information included in the personal information section of my credit report. This information is damaging to my credit profile and negatively impacts my ability to verify my identity. Per my FCRA rights, I am asking that Equifax adhere to the law and remove this information from my credit report immediately.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (OR)

A friend who is an XXXX  to the XXXX wanted to give me a gift card as a favor for helping her. A cashier at a local XXXX XXXX store talked her into purchasing a NETSPEND card, telling her it was a gift card. The friend paid for the purchase of the card as well as she thinks {$25.00} for the gift card balance. 

Upon receipt of this card, I attempted to use it, only to find out I must sign up for an account with NETSPEND. As our household has several bank accounts as well as traditional credit cards, I did not want to create an account with NETSPEND simply to spend the existing balance on the card. Additionally, NETSPEND had demanded my social security number. 

I have tried to resolve this issue for approximately a year with no success. I would like to use the full cash value of this card at time of purchase without being forced to give create an account, provide my social security number, or pay any fees of penalties for not having used the card for so long since it was purchased.
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I took out a loan with Wells Fargo around XX/XX/XXXX. 
I missed a few mortgage payment. 
Sometime around XX/XX/XXXX Wells fargo started Foreclosure proceeding against my home. 
I paid approximately {$65000.00} into the loan that was originally {$200000.00}. 
The majority of the {$65000.00} paid into the loan went to fees and Penalties.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX  XXXX is reporting inaccurate information to all three credit bureaus XXXX, XXXX and Equifax. They are reporting that I was late 30 days one time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently had my debit card stolen, and because I had many automatic payments linked to this debit card I ask for Bank of America to rush deliver the new card. Not once in the entire call did the representative inform me that the rush delivery would be {$15.00}. Had I known this I would have waited for a normal mail delivery. I have to told the bank that the representative never told me about this fee and to reverse it. They have declined, and on top of that, I called for my new card on Tuesday XX/XX/20 and as of today Friday XX/XX/20 I have not received my new card.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (CA)

Tried to get a verification of mortgage and the company reported that I was late 30 days or more seven times in the last twelve months. After thirty hours of phone calls, I still can not get this problem resolved.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

In XX/XX/XXXX I discovered my mortgage company ( XXXX ) paid my XX/XX/XXXX property taxes to an incorrect parcel ID number. The payment went to the builder and not on the property I purchased in XX/XX/XXXX. This was also done for the XX/XX/XXXX property taxes. I have advise the mortgage company and have provided them with proof of the incorrect transactions. In the mean time my escrow account is severally short due to 4 property tax disbursements when there should have only been 2. The mortgage company has increased my monthly payments by an amount that I can not pay due to the shortage they created. So I am paying the XX/XX/XXXX payment until they straighten this mess out. Now the mortgage company has reported to the credit bureau that I have missed monthly payments, which I have not. I have been working with the mortgage company now for 6 months to correct my account.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

In XX/XX/2022, I wrote a check for {$1500.00} to XXXX XXXX that was earnest money for a house I was buying. The house closing fell through and XXXX XXXX wrote me a check for {$1500.00} to return my money. I took that to Huntington Bank in XXXX, MI and deposited it in the ATM. They put a hold on it and also locked my entire bank account. I called and they told me to wait until the following Monday. I called the Tuesday after because it was still on hold. This was the first of many calls trying to get my funds and access to my bank account. I called XXXX XXXX and told them what was going on and they said the funds cleared their account on XX/XX/XXXX and sent an email proof showing that XXXX XXXXXXXX XXXX has removed the money already and told me it was a Huntington Bank issue. Huntington told me it was held because a department at XXXX XXXX wasn't responding to them and they would continue to hold it until they respond. I called XXXX XXXX and went in there in person XX/XX/XXXX with no resolve and they told me to have XXXX XXXX call in. XXXX XXXX is tired of dealing with me because they did their part and wrote me a check that should've been fine on their end. I picked that check up in person and went in there in person XX/XX/XXXX with no resolve. Huntington continues to tell me that they will not unlock my account. I did receive a letter from Huntington saying the funds were cleared XX/XX/XXXX from the {$1500.00} check but when I called to tell them that, they wouldn't unfreeze my bank account. Today is XX/XX/XXXX, I picked up that check from XXXX XXXX XX/XX/XXXX, it cleared their account on XX/XX/XXXX. I've called XXXX, MI 9 times since XXXX XXXX XXXX and had email correspondence with XXXX at that location. I've called the customer service number at Huntington 8 times since XX/XX/XXXX. The last time was Wednesday XX/XX/XXXX at XXXX and I was told once again there is nothing they can do for me and that I should contact XXXX XXXX.
Consumer complaint received 2022-12-31
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (CA)

I REACHED OUT THE COLLECTION AGENCY AND ASKED FOR VALIDATION OF DEBT 2 TIMES, NEVER RECIEVED VALIDATION OF DEBT AND REQUEST NO CALLS FROM THIS AGENCY, AND RECIEVED A CALL FROM A DIFFERENT AGENCY, AT FIRST IT WAS XXXX XXXX AND NOW ALLIED COLLECTIONS, WHICH THEY ARE AT THE SAME ADDRESS UNDER THE SAME UMBRELLA, SO THEY SHOULD NOT BE CALLING ME AT ALL .... AND ALSO I STILL HAVE NOT RECIEVED VALIDATION OF DEBT, ASKED FOR THRU XXXX DISPUTING ACCOUNT AND CALLED COLLECTION AGENCY IN 2020 AND STILL HAVE YET T RECIEVE THE VALIDATION I OWE THIS DEBT, THE GIRL THAT ANSWERED ONLY WANTED TO ARGUE WITH ME ABOUT WHY I HAVENT PAID AND TOLD HER THEN NOT TO CALL ME. AGAIN PLS SEND ME VALIDATION THAT I OWE THIS I GET IT OFF MY XXXX, NEXT STEP WILL BE TO HIRE AN ATTORNEY FOR LAW SUIT!!!!!!!!!
Consumer complaint received 2021-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: XOOM CORPORATION (CA)

FTC Report Number XXXX XXXX XXXX XXXX Dentist stationed in XXXX, CA-moving to XXXX in XXXX. Responded to XXXX ad for " mother in law XXXX XXXX XXXX XXXX XXXX, XXXX, TX. XXXX XXXX XXXX ( XXXX listed as XXXX XXXX ) at XXXX. Viewed video of unit, scheduled phone call to discuss living arrangements. A woman called me from XXXX, we talked about the unit. She asked for a date of birth for background check which I provided. We later texted about the lease-she sent over signed lease form with requested refundable 1 month security deposit via Bank transfer ( XXXX XXXX number in lease ). I signed lease electronically and sent transfer via XXXX XXXX Xoom feature. A few weeks later, received form text stating that " we had to leave country for tragic emergency '' and requested address and deposit amount to send check. I became suspicous and texted back confirmation-no reply. I then emailed previous address and email was returned as undeliverable. I realized that this was attempted identity theft and filed FTC report. I also placed alerts on bank accounts, credit reports, and am filed police report. I am filed with bank and received funds back. I believe that woman was not " XXXX XXXX '' and that she took information from the real XXXX XXXX 's online information ( husband 's name, work status, etc ). This person now has my name, personal email address, personal phone number, date of birth, and signature ( electronic ). Person does not have my bank information as I sent via XXXX. XXXX Xoom has sent me to collections for money owed, stating that since I authorized the transaction it was valid and I need to pay them. I called over the phone on XX/XX/XXXX and explained the identity theft/fraud but they stated they still considered it valid and I needed to pay the money. I offered to send the FTC, police and bank report and they declined. I stated that I would file with the CFPB. The case number for XXXX Xoom is XXXX
Consumer complaint received 2020-03-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (NC)

We took a title loan on our XXXX XXXX last year. We were toldat the time of the sale we would receive any overage within 30 days. The car was autioned XX/XX/2019. Time went by and we heard nothing from LoanMax/XXXXXXXX XXXX. Not a phone call, letter, emailb text message. We called for information and were told we did not receive our overage because we did not request it. We owed money and our car was sold per the terms of the loan. Fair enough. 
We needed less than 1 week and {$200.00} to pay the loan in full. LM would not accept partial payment nor hold the car for 5 days. We are now due in excess of {$9000.00} and have not received a response even close to acceptable. My husband left 3 messages for a supervisor with no response. He called again last week and was told we had to wait another 120 days for the check to be issued from XXXX  to LM and another 60 days for LM to issue the overage to us. Unacceptable.
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Paramount GR Holdings, LLC (AL)

XX/XX/XXXX hurricane Hermine flooded my home at XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX. I contacted the insurance company. filed a claim, cleaned the area of damage and debris. tore out all damaged items. I was then told to start repairs by contacting a contractor, pay for approximately 50 % of repairs and then they will send out a claims person to confirm. they will then cut a check and I will pay for the rest of the repairs until completed. when completed they will then send out another person to confirm the repairs are complete. funds will then be transferred. We completed two home repairs after two other hurricanes prior to this. this is not how we did it. I do not have $ XXXX to hire a contractor to complete the work then get reimbursed. We at that time stopped payments on the mortgage. I have not made a payment since XX/XX/XXXX. My house is still not in foreclosure and I have filled out all financial paperwork per Paramount ( now Loanpal ) request. I have attempted a short-sale ( later told this was to see how far I would go to fix this without the mortgage company doing anything. I was in the military until XX/XX/XXXX. I retired, I have waived my SCRA rights in writing ( in 12 font per USC 50, sec. 517 ) to the company back in XXXX ( no proof ) and again in XXXX ( I have proof in writing, email and fax ). Per LoanPal XXXX operating instructions given LOANPAL XXXX permission to foreclose verbally and in writing multiple times with a " wet ink signature ''. I have not made a payment in 1600 days ( 52 months / 4.5 years! ) now and still not in foreclosure. When this is competed at this time, my credit will be damaged for over 12 years! I have requested foreclosure for over 1200 days but still being told that I need to wait the 30 for pre-foreclosure to start?? Loanpal XXXX Loan number : XXXX
Consumer complaint received 2020-03-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

In XXXX and XX/XX/2020 I disputed with XXXX, Experian, and XXXX  about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XX/XX/2020 I disputed with XXXX  and XXXX  Experian about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (MS)

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX
Consumer complaint received 2021-03-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated it.