davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$490.00} XXXX XXXX  Balance Owed : {$5300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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, PR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$750.00} 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 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (MN)

I want Self to immediately close my credit builder account and my Self Visa Credit Card Account : XXXX. The Self Credit Builder and Visa Credit Account is a fraudulent account and the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (GA)

For 2 years I have been told that my covid eidl loan funds were returned to the SBA in XX/XX/2021, only to just find out that Ally bank has been holding the funds in some type of holding account for over 2 years. I have been having to make payments on a SBA loan that I never had access to, meanwhile I have been constantly lied to by Ally bank, who said they returned the funds to the SBA. This whole situation caused me to lose my business in 2021, which is what the funds were meant to prevent.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about : -- -- -XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX  -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (PA)

I received notification from my XXXX  credit alerts I have a medical collections in the amount of {$91.00}. 

The collection agency is Phoenix services has placed a fraudulent collection account on my credit profile.

I never received any written communication of this alleged debt and I have not resided in the state of Florida in several years- so I am disputing the validity of this account. 

I am requesting the original signature in which I agreed to have services rendered and documentation an contractual agreement to pay/ with the specific dates. 

I strongly believe this is a violation of HIPPA and plan to pursue every possible avenue to prevail this matter.
Consumer complaint received 2023-02-21
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. (GA)

In Accordance To The Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Erroneous and Misleading Things Of My Credit Report. 


XXXX XXXX XXXX Dept EdXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1689 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681 section 602 A.Section I have the rights to privacy.
Consumer complaint received 2017-08-22
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. (MI)

I have 5 accounts that are on my credit file that are due to identity theft and I have sent equifax the proper documents and they still will not remove the accounts. They told me that they cant remove them.
Consumer complaint received 2023-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank purchased Wachovia Bank. Wachovia Bank, had been taking all my payments on a truck I had bought and financed with another company Wachovia had purchased. Wachovia Bank took all my payments, but I have no idea where my payments went to. Wells Fargo Bank purchased Wachovia, but Wells Fargo Bank never gave me any kind of " notice '' that they purchased the Bank that had my account, the " notice '' is required from the purchaser of a bank that has an account with a consumer that will be affected by the " Material Change of the new purchaser of the consumer 's account holder the purchased Bank, the notice required by 12 USC 45a and said law also requires " contact information '' from the purchaser of the bank must be included in the required notice also to the consumer, Where is that " notice ''???????????? ... ... ... ... ... ... ....
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

XX/XX/2022. I transferred funds from my personal bank account to Coinbase.com of {$3500.00} to buy XXXX  to transfer to my business partner for a transaction. Coinbase received the money next day and immediately held my funds saying they were doing so for my security and protection. I verified my identity and they claimed after deducting {$100.00} for fees to convert to XXXX, that they would not release my funds for sending until XX/XX/XXXX. I protested that they needed to refund as I would use another method of payment as the transaction was time sensitive. They then responded they would be holding my funds until XX/XX/XXXX. I called multiple times and contacted them via live chat and email and they assured me they were short staffed and it would take them anywhere from XXXX days to investigate. I asked them to refund me instead as I would need to go elsewhere. I had to borrow money from my other business partner to send payment via another method from their competitor.I have requested repeatedly for them to cancel my transaction and refund me to no avail. I have spoken to other clients that I do business with and they informed me the same thing happened to them and they have lost thousands of dollars to Coinbase. There is no reason for them to sit on my hard earned funds. I know my recipient quite well and I am more in danger of being robbed by Coinbase.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XX/XX/2023 I was in XXXX XXXX my debit card was stole and used to withdraw funds from my account in the total of XXXX dollars. Once I noticed my card was missing I blocked the card using online account. I called the company soon as they opened on XX/XX/XXXX explained the situation. Claim was filed. I called 2 weeks later since I heard nothing from the bank and was told my claim was denied as I could not explain how my pin number was obtained. I was then told I couldn't open another claim. The transactions we clearly not me as they were done at different ATM machines and they attempted multiple times till they reached the daily limit for withdrawals which was set at XXXX dollars which I was not aware the limit was that high. They told me they couldn't access the ATM video because I was in XXXX even though the funds were withdrawn from the same Santander bank as my ATM card is.
Consumer complaint received 2023-02-22
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. (NC)

Became aware of account with XXXX XXXX XX/XX/2022 - Submitted a identity theft fraud affidavit to the federal trade commission report number XXXX. 

Item still remains on my credit report
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (MD)

I recently had a chance at review of account activity for navy federal credit union which still reads inaccurate nothing was done at fixing lies false bad business practices and disparities. I will continue disputing this matter w/XXXX  and all other 3rd party affiliates experian credit match. You all are mistaken me with someone else ; who made a recent payment of {$36.00} as of XX/XX/24? Please tell me I'm really interested in knowing how the account remains open because I never had a card for {$5000.00} again the only credit limit I had was for {$3500.00} which was paid off and the account was closed by branch manager. We still going in circles over the same if not worst scenario.
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (PA)

I am a veteran and have a VA Loan. Due to hardships relating to XXXX I lost my job and used up all my savings until I found another job. As a result my mortgage fell behind. I contacted my servicer Shellpoint to start the process of a loan modification a year ago. I have supplied all required documentation ask of me every single month leading up to my most recent submission XX/XX/XXXX. Every single month they continue to ask for information and my file has never reached an underwriter for a decision as to any home retain programs that are available to. XX/XX/XXXX, they requested additional information that has already been provided ; I have provided Profit and Loss Statements up through XX/XX/XXXX for my 1099 business and now they are asking me to create a profit and loss statement for all my clients that I serve although most of my income goes through my primary account. I don't understand why I need to create a Profit and Loss for each client I have as it's under one business. My income is already reported on my tax returns for the business and not per client. They have received all bank statements through XX/XX/XXXX, paystubs through XX/XX/XXXX, and my file has yet to reach an underwriter for consideration. This " Request for Documents '' has been going on month and after month and now I have a foreclosure sale date on my home for XX/XX/XXXX. I have uploaded and e-mailed all documents required of me. As one document they ask for is provided, another document expires and this has been the vicious for over a year now.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In the last 24 hours Citizens Bank has refused 3 separate payments of {$2500.00} from 3 different law firm clients via XXXX, killing our business and jeopardizing our clients legal cases. 

When we call or email them they either dont answer or say its our clients bank or XXXX fault. 

Whats going on here?
Consumer complaint received 2023-08-28
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Ascent Holding Co (MD)

This company denied my loan taking away my right to access my credit based on an inaccurate consumer report.

This is against the equal credit opportunity act that states access to credit is a right that can not be taken away for any discriminatory reason.

This company is discriminating against me by using a consumer report. They have taken my private information including my social security card number and other personal information with no benefit to me, the consumer in this transaction.
Consumer complaint received 2023-08-01
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. (NV)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-22
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. (CA)

In accordance to the a Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

1

5 U.S.C 1681 Section A States I have a 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 written notice.
Consumer complaint received 2023-02-21
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. (NC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (FL)

It looks like XXXX is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, XXXX randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. 

On XX/XX/XXXX, XXXX mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. XXXX did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. 

The injuries I have sustained were not reasonably avoidable because XXXX 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. XXXX 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ). 

On XX/XX/XXXX, XXXX failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ).

Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. 

The {$28.00} XXXX was just a slap on the wrist for XXXX. I highly recommend that they learn a lesson by way of stiffer penalties and fines. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Consumer complaint received 2023-02-21
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. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-21
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. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-28
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WSFS FINANCIAL CORPORATION (MD)

According to the Fair Debt Collection Practices Act as amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 15 USC 1692e 807 : - False or misleading representations ; a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt. 
My mortgage servicer, XXXX XXXX XXXX XXXX XXXX violated the law when in XXXX of XXXX, it issued a mortgage reinstatement quote stating the status of my loan as in active foreclosure however this was a false, deceptive, and misleading representation of the loan 's true status. 
My mortgage was never in active foreclosure. According to the state of Maryland, my state of resident where the property is located and where the mortgage loan was originated and deeded, an XXXX to XXXX ( XXXX ) is the first official filing of a foreclosure action in court. It may also be called a Complaint to Foreclose or Notice of Foreclosure Action. 
XXXX XXXX XXXX XXXX XXXX did not at any given time, past, present or future file any action in any court of law for a foreclosure proceeding on my property however the company issued documentation, claiming otherwise in connection with the collection of the debt. 
This false and deceptive misrepresentation of the status of my loan caused undue stress, distress and XXXX and is an aggressive and manipulative debt collection tactic that not only violates established public policy but is also unethical and unscrupulous.