davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-12
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. (VA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below 1. XXXX XXXX : Account number : XXXX, How did you verify this account. 

2. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

3. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

4. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

5. XXXX : Account number : XXXX, How did you verify this account. 

6. XXXX XXXX XXXX : Account number : XXXX, Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

7. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

8. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

9. XXXX  XXXX : Account number : XXXX, How did you verify this account.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (PA)

applied for refi mortgage on XX/XX/XXXX my home is a manufactured home, company said that w.as not a problem went thru credit income verifaction all was ok then they did appraisel value to loan ratio was ok three months later they wanted a building permit for my finished basement that included a in law quarters that is not metered separate the tax records list as single family the basement was finished 20 years ago then 2 weeks later they sent me a denial notice it was an unacceptal property.so they drug this out for three and a half months could not get any direct reason why other than you cant have inlaw quarters in a manufactured home not shure where that rule came from but i feel that this is a case of unfair lending practices
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

This is either a scam or identity theft. The debit {$600.00} is not mine. That is my name but not my phone number or phone or any other item on that fraudulent bill. 

This debt that is claimed by Convergent I immediately challenged through XXXX. The response from XXXX  was verified. This Convergent debt claim is blatant FRAUD. It is extremely concerning because they are simply creating debt out of thin air. I immediately contacted XXXX and they did not have any records that indicate this debt or any debt. Further, they added that my account was closed in XXXX in good standing. Convergent has dates for XXXX. 

Everything in the Convergent document is made up except for my name. This includes the phone number, the phone model and make, the dates, etc it is a complete fraud. 

Im not sure where to go with this, I am going to file a police report today. I have sent letters to the Federal Trade Commission, the California Office of the Attorney General, the Federal Bureau of Consumer Affairs, and the California Bureau of Consumer Affairs.
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

Started transfer of funds from Coinbase to my bank account on XX/XX/XXXX and was told it would be done by the end of the day. It has been three days and I have yet to see the funds deposited into my account. I have since deposited more funds into the account and tried to withdraw them to see how long it would take and it has been two days since. 

There is not customer service line besides an automated voice that is only for compromised accounts. No other way to contact the company.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Account was in deferment due to COVID 19 payment assistance however they were still reporting my account as late to the credit bureaus. 

Submitted a dispute with WF however this was not corrected.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

Had a lease car with GM. Paid all 27 months on time and never missed a payment. Returned car in XX/XX/XXXX and received 8 bills ranging from $ XXXX down to $ XXXX and some change from XXXX through XX/XX/XXXX. Finally in XX/XX/XXXX they said I owed {$10000.00} for excessive mileage. I do owe a few XXXX but not that amount. I told them that if this wasn't rectified, I will have to get an attorney involved. I was put on a no call list. Never heard from them either by phone, mail, text or email about my account. I had two people die in XX/XX/XXXX so I was dealing with estates, funerals, etc.. Finally received a bill in XXXX of this year. Called up the end of lease department and no one can help me. Sent them again the paper I received from dealership when I turned the car in with the mileage. The worst thing is that this is affecting my daughters and my credit score. They keeping marking the reports because we didn't pay. I need the markers removed from XX/XX/XXXX to now.
Consumer complaint received 2024-03-25
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. (FL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2021-08-12
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: National Credit Adjusters, LLC (IL)

Account # XXXX - National Credit Adjusters - On XX/XX/XXXX, I settled this account through National Credit Adjusters. The account is paid in full and is closed. I am reaching out to request a goodwill deletion from all three credit bureaus. I filed a previous complaint with the CFPB regarding difficulty with having the credit bureaus marking the account down to {$0.00} and closing the account. NCA did respond with a letter to assist with the matter and I appreciated it. I hope that NCA will be able to grant the same goodwill for a goodwill deletion due to extenuating circumstances. I did attempt to reach out to XXXX XXXX, NCA 's Director of Operations, on XXXX and left a voicemail, but I have not received a response. NCA provided his contact information with the previous letter. I am a victim of a natural disaster where I lost my home in a fire in XX/XX/XXXX and I was laid off twice within the time frame of having this account. I am a single parent of XXXX children and I am speaking with lenders regarding purchasing a home for my family. I was told by having this account removed that I will be able to have up to XXXX points added to my XXXX score which would assist with my purchasing a home. I appreciated NCA 's assistance in the past and I hope the company grants this decision. I have attached the settlement letter from National Credit Adjusters, the XXXX XXXX reflecting that the amount was taken from my checking account, Red Cross Letter, police report from the fire, & the letter from NCA regarding the closed account. Thank you for your cooperation.
Consumer complaint received 2024-02-06
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. (TX)

I am submitting a formal complaint against Equifax regarding their failure to respond to a dispute letter that I mailed on XX/XX/2023. In my dispute, I requested an investigation into several inaccurate items on my credit report, including XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, and XXXX  XXXX XXXX - XXXX. Additionally, I disputed incorrect names and addresses listed on my credit report. 

Regrettably, I did not receive any response from Equifax regarding the investigation results. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It appears that Equifax has failed to fulfill this obligation, violating my consumer rights. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax, serving as evidence of my attempt to address inaccuracies in my credit report. However, Equifax 's lack of response demonstrates their failure to conduct a proper investigation.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (FL)

On XX/XX/XXXX I tried to open a checking account with Charles Schwab, and their rep told me on the phone that someone already used my SSN to open multiple accounts with Charles Schwab.

I reported this as fraud, and Charles Schwab suspended the accounts by Monday XX/XX/XXXX. 
I then went to their office on XXXX XXXX and verified my identity, presenting my SSN card, passport and address confirmation. 
But when I called them again on XXXX XXXX, it turned out that the fradulent accounts were reopened ( unsuspended ). The rep on the phone also gave me the name of the person who opened the account with my SSN ( XXXX XXXX ), and other personal information like the number of accounts and balances - he gave me all the infromation without being able to verify me!! 
The company opens accounts without verifying if SSN matches the person name, and easily divulges personal information over the phone, you just need to give them the SSN. I'm now worried that Charles Schwab will as easily give away my name and other personal information ( which i submitted when i went to their office to verify myself ) when the fraudster that uses my SSN will call them to reactivate their suspended accoutns again.

Charles Schwab also reported the fraudster 's name to credit beraus, and now the name is liked to my SSN in credit beraus. Charles Schwab doesn't run even the basic check if new customer 's SSN matches the family name of the person. Because of this I have the wong name associated with my social in credit beraus!!
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (VA)

When I canceled my XXXX Account for XXXX XXXX XXXX under my name XXXX XXXX, they asked for me to return the equipment. I had a delay in returning the equipment due to moving. I was given reminders via email to return the equipment. The amount that they are trying to claim I owe ( around {$100.00} ) is for a cable equipment box that I returned. I have the receipt from XXXX with the confirmation that they received it, along with the serial + model number listed in the confirmation email. The email is addressed directly to myself from XXXX/ XXXX and I have tried to dispute this with the debt collector by providing a screenshot proof of what I have explained above and I have received no response from them. The debt collection still remains on my credit reports and I want this removed. This is not the first time that I have had this collection placed, it was placed once before many months ago and I called XXXX directly and they confirmed receipt of the equipment and said they would notify the collector to remove the collection. This obviously never happened.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I have been unable to dispute credit collection claims filed with XXXX Prepared For XXXX XXXX, Report Number : XXXX. 

XXXX have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager.

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX Survey complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with XXXX as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc. (AL)

This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (TX)

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below.

AFNI acco
unt number XXXX This item is inaccurate and I am requesting that ANFI have the item removed my credit report immediately. 

Thank You
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

I opened a checking account with their promotion product on XX/XX/XXXX XXXX. 
I sent the W9 form to the address they told me on the phone. 
It was in XXXX XXXX office. By chance when I called on XX/XX/XXXX to check when I'll received the {$300.00} promotion award money. The customer service lady said I haven't submitted the W9. I explained I have the receipt of the certified mail to the XXXX XXXX office where I was directed. They send me the W9 to send it out again but no information of the address where I need to mail it even though I told to give it to me together with the form. 
I called back on XX/XX/XXXX to complain to the manager. Her name was XXXX. She was extremely rude to take 5 min. to give me the address and interception of line was awful, I was not able to hear correctly and middle of the her instruction she hang up. 
Even though I requested to send it to me in a mail. She didn't answer to it. 
I got only XXXX. XXXX XXXX in SD. City name was unclear. I asked is there that address in website I can look at it. She hang up after that without clear message what she is going to. 
The address looks like same as in my account statement so I'm going to mail it there. 

Anyway this is the second time I apply the complaints over the Citi bank. 
I strongly feel that this bank has very low customer relationships.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (MS)

In XXXX, I noticed my credit score took a plunge. I reviewed my reports and Money Lion reported a missed payment for the month of XXXX. When the account was closed out in the month of XXXX. 
I disputed the information in XXXX. The credit bureaus did not offer any assistance in the matter. After I provided evidence, I have not ever been late and I paid the account out. 
Today, XX/XX/2021 they are asking me to resubmit another dispute for their discrepancies. I have called MoneyLion and they are telling me they see the account in good standing as well. 
This is false information being reported on my credit report which is hindering me and penalizing me due to no fault of my own.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Step 1 : What is this complaint about? 
The Fifth Third Bank at the XXXX Fl, branch closed my checking account without prior notice and without legal reason. 
Step 2 : What type of problem are you having? 
A wire transfer made to the corporate account was rejected, so the fees paid were lost. 
Step 3 : What happened? 
On XX/XX/2021, I opened a corporate checking account at Fifth Third Bank at the XXXX Fl. Branch with an initial deposit of {$19000.00}. In this corporate account I indicated that 90 % of the company belongs to me and 10 % belongs to my sister, XXXX XXXX. 
I also opened a personal account and deposited {$50.00}. 
On XX/XX/XXXX, my sister received a call from an alleged private investigator and asks for various account details and arrogantly questions if we had paid the company 's taxes, an aspect that bothered my sister because the company is new and we don't have any Tax obligations yet and, above all, because of the tone in which this lady expressed herself ; obviously you can not inform anyone who calls on the phone trying to obtain financial information. 
My sister immediately notified me of the call and I wrote an email to the bank asking if the call was official, my sister also called the bank to find out what the reason for the call was. 
The person in charge of my accounts in the Bank responded by giving me a list of documents that I had to present, including a Business Plan. 
On XX/XX/XXXX, I responded by clarifying that all the documents that she requested were presented at the time of opening the accounts and the only thing missing was the Business Plan, that was not presented since I was not requiring any financing from the Bank, anyway I sent her again the submitted documents. 
On XX/XX/XXXX, and as I didt receive any communication from the Bank, I called the Branch Manager, XXXX XXXX, who asked me for a phone number to make a tripartite communication with the investigator. However, that call was never made. That same afternoon, as a result of my phone call to XXXX XXXX, I suppose, the manager of my account, Mrs. XXXX XXXX, wrote me another email in which she asked me to present the Business Plan without indicating if there is a deadline to present that document. 
On XX/XX/XXXX, I sent the requested Business Plan to the Branch Manager ; On XX/XX/XXXX, he answered me indicating that bank protection closed my accounts. 
On XX/XX/XXXX, my partner in the project being invested in XXXX visited the Branch Manager and they called me on my cell phone. At that time, the Manager XXXX XXXX informed me that on XX/XX/XXXX the Bank closed my accounts. 
In other words, the Bank closed my accounts without giving me prior notice, an aspect that harmed my business since my company was to receive an international wire transfer for $ US XXXX, which was rejected due to this arbitrary closure and without prior notice.

From everything explained I have emails and documents, even about the rejected wire transfer.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I am writing to you today regarding the following accounts with Synchrony Bank : - Syncb/Banana Rep XXXX. Credit limit : {$4000.00}. Date opened : XX/XX/XXXX. 
- Syncb/Amazon XXXX Credit limit : {$100.00}. Date opened : XX/XX/XXXX. 

There are some incidents that even if we dont want, have a big impact in all areas of our life, including the financial life. This is what happened to me a couple of years ago. I was in an accident, and fell behind on bills, and was put in therapy afterwards. Id be able to provide proof of this accident. 

I continued with my life but the consequences this experience caused are still around. Ive been working so hard to accomplish one of my biggest dreams and get a house. However, these accounts are causing me a big issue because I havent been able to make my credit score increase. 

I am a loyal and happy synchrony customer, and I am requesting the two accounts to be removed. Sometimes falling behind on a bill is just one more damage of a bigger fact. I am just trying to get a fair solution to this issue and I hope Synchrony can hear my story and help me. 

Thank you
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.

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 seven 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.