davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
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. (VA)

XXXX XXXX XXXX , XXXX Account XXXX I recently uncovered that XXXX XXXX XXXX continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to cause further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by XXXX XXXX XXXX each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, XXXX XXXX XXXX began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession. After consulting with a legal advocate attorney who is handling other complaints against this credit reporting agency, I intend to seek all options including any compensation available to me based on the evidence I have accrued that documents in full detail the deceptive business practices and false credit reporting to the agency by the data furnisher, failure of the data furnisher to abide by a cease and desist even after receiving notice of my intent to file bankruptcy, and failure of the credit reporting agency to report correct valid information or remove the invalid/erroneous record from my credit report.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I have been sent to letters from a law firm in Virginia called Lineberger Goggin Blair and Sampson, LLP. They are trying to collect money from me for a toll for a tunnel with a license plate Ive never heard of, besides the fact that I have never been in Virginia with a car. Nor have I been in Virginia at all for 15 years. I called the firm and they said I need to dispute everything by sending in via mail my complaint. I think this must be a scam. Please help me
Consumer complaint received 2022-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (TX)

In XXXX of 2020, I bought a XXXX XXXX from XXXX and XXXX XXXX XXXX financed the vehicle I bought the vehicle late at night and was never given the contract. After I bought the vehicle I never Received A bill/statement l in the mail. I called and they told me they sent the statement to the wrong address and that I was extremely late on my first payment. I can't be late if the lender does not give me the contract or send the statement to the correct address, so since I have had the car I have been getting my credit report hit with derogatory late payments and fees that are not my fault, Car Max Financial Is In Violation of The Fair Debt Collection Practices Act and I demand the late payment be removed from my credit report and the fees I have been charged be returned to me. I have disputed this and complained and no one cares that THEY ARE VIOLATING MY RIGHTS!!!! Remove The Late Payment and give me all the fraudulent fees your company has charged me or my next step will be legal action in court against your company
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. I have informed XXXX that I returned their box. They have ignored me.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NJ)

I was advertised to get {$50.00} cash back on XXXX XXXX after spending {$50.00} there ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX {$75.00} cash back after spending {$75.00} at XXXX ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However, they keep on telling me that the account was not opened in the time frame it was supposed to be or that I am ineligible to receive cash back since I am not the account owner, but he has not received the promised cash back either. However, I did receive the {$3.00} standard cash back for the purchases proving that I am eligible to make daily cash earnings for the purchases I make. The account owner opened the account on or around XX/XX/XXXX. 

For the XXXX XXXX  promotion it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21 For the XXXX offer, it is stated Valid only for new Apple Card holders who open an account XX/XX/21 through XX/XX/21
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

XX/XX/2019. Equifax Credit Freeze was unlocked and I spent 2 1/2hr with 3 different women, one posing as a supervisor, trying to get my account frozen again. I played 20 questions with each of them. They all three said they could not Freeze my account even though I was logged into it, because I failed answering 1 or more questions, which they were not allowed to tell me which ones. This coming from a Credit Bureau that was hacked and caused me to have the problem I had. I was told to write a letter putting information on paper and if lost in the mail, then someone else has info. I said I would not do this. 
I went to XXXX and printed out 44 pages of Credit Report. Locked my XXXX account. 
Called Equifax back and tried again. They wanted to go thru the same thing. So I logged back in. It had some selections on the screen and one was " Put a temporary Lift on your account ''. I was told with that on the screen I did not have an unfrozen account. yet when you selected it, it would say YOU HAVE A TEMPORARY LIFT ON YOUR ACCOUNT, IF YOU SELECT THIS IT WILL VOID THE PRESENT LIFT. So to get around them wanting me to send a letter to them, I selected it to void the present LIFT and Put in a LIFT for 1 DAY. Problem solved!! Not one of them mentioned this, but at least the undetermined length of 1st Lift was rectified with a 1 day lift. 
Those people need training and a more straight forward way of doing this LIKE XXXX Web Site!!
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

On XX/XX/2020 I provided my passport ID, Deposit slip, along with a XXXX XXXX XXXXXX/XX/XXXX Cashiers Check that was endorsed to me in the amount of {$37000.00}. US Bank Client Relationship Consultant, XXXX XXXX refused to accept and deposit the check and informed me that the US Bank Branch policy states that the endorser of a check must be present with an ID in order to deposit anything over {$10000.00}. She told me to try another US Bank and maybe they will deposit, but not at this location. 
I asked to speak to a supervisor and had to wait about an hour to see one. The Assistant Branch Manager, XXXX XXXX said that she would go ahead and deposit the check, but that a 7 day hold is required. She provided a " Notice Of Hold '' letter stating that funds are being held due to " Repeated Overdrafts ''. I indicated to her that I have not had any overdrafts and would like a letter showing an accurate reason for 7 day hold. She would not change the notice and told me that I can deposit the check elsewhere or have the endorser reissue the check in my name then she can deposit without any hold. The check was finally deposited, but with a 7 day hold and no funds made available. The deposit was also reported as " Income ''.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (IN)

I noticed American Expess on my credit report supposedly stating their company loan money to me. I have sent them multiple letters requesting answers to questions that they should be able to answer as a company. I have sought after someone with firsthand knowledge. That could tell me more about this alleged account and give me answers. Unfortunately they can not answer them and have not taken their Tradeline off my credit report. With not responding and not showing proof that the company has loan money to me from their own funds. They do not have a legal right to be on my report. Ive sent them question they chose to ignore and not answer. These question would give me a good look if they indeed loan money from their own funds to me, complied with the truth and leading act, and has a legal right to collect on this alleged loan. American Express to this day, has not been able to answer.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (AL)

XX/XX/XXXX, XXXXMy husband was scammed and initiated a {$30000.00} wire from our joint PNC bank account to the criminals. Less than XXXX minutes after leaving the bank, he called PNC customer service to see if it could be stopped. PNC 's employee looked it up and told him that the wire had not gone through yet and the criminal 's account was also with PNC. He was told the criminal 's account would be immediately frozen so that the money could not be deposited and that it would automatically be returned to our account, but it might take up to XXXX business days. That never happened and the account remained over - $ XXXX. ( Please listen to that call. ) FROM XX/XX/XXXX through XXXX XXXX both called PNC myriad times to explain that the account only had XXXX in it at the time of the wire, but the scammers somehow made it look like they " accidentally '' wired the money to the account ( as in it showed up when he logged in ). Why would PNC allow a wire for $ XXXX from an account with only $ XXXX in it? We were referred to XXXX XXXX, who works for their wire fraud department. He could not have been more useless and was unreachable. I spoke to XXXX XXXX from wire fraud. I also talked to a lady who told me NOT make payments on the $ XXXX line of credit that PNC immediately moved into the scammed account as an overdraft because PNC told my husband it would be fixed the day it happened. She said she'd note it on her computer. XXXX closed ( purged ) all of our accounts with them. I can not be added to the account my husband opened at XXXX because I'm on some list and my credit rating has dropped from XXXX to awful.We are in collections with PNC. They say we owe them the $ XXXX line of credit plus interest and late fees AND we also lost the $ XXXX we had in that account. WHAT WE KNOWWe fully understand it is not PNC 's fault that my husband was scammed and he originated the wire transfer and are not asking about that. WHAT WE ARE ASKINGI want to find out PNC 's legal responsibility after their agent told my husband on a recorded line that the receiving account would be frozen and the money would be returned to our account within five business days. What steps were taken? Did they do their due diligence/follow up/follow the law/do ANYTHING? Do they have ANY accountability at all? Did they do everything in their power to stop the transfer? Did they act in bad faith? Were they in breach of their contract with us when their agent said we'd get the money returned and instead we are in collections? Listen to the recordings of all of our calls to PNC starting XX/XX/XXXX until PNC closed the account and explain to me how they are not responsible for ANY OF IT even though PNC 's own agent said the wire would be stopped. 

I'm only attaching the latest bill for our line of credit since PNC closed our accounts and everything was online.
Consumer complaint received 2020-12-21
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. (IL)

I reached out to transunion, XX/XX/20, to inform that I attempted to reach out directly to XXXX XXXX XXXX to inform that I have been a victim of identity and the given account was not mine however the given company informed that no evidence showed I was a victim of identity theft. I provided the identity theft report i provided to the company as well as a letter requesting the account be removed from my transunion report. transunion declined and informed that account was verified. The account is reporting as charged off which is hurting my credit score as well as other XXXX XXXX accounts are showing as well.
Consumer complaint received 2019-04-27
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: Paypal Holdings, Inc (FL)

Transaction details Print Payment sent to XXXX   XXXX|XXXX|FL XX/XX/2019 at XXXX XXXX  PDTTransaction ID : XXXX Payment Status : COMPLETED Payment Type : In Store Purchase Gross amount - {$390.00} USD We have no postal address on file PAYPAL FAILED To INVESTAGE THE CLAIM AT ALL, DENIED IT WITHOUT CONTACTING THE " SELLER '' ( AS THEIR BROKEN SYSTEM TERMS THE THIEF ) FAILED TO EVEN REQUEST ANY DOCUMENTATION OF HOTEL ROOM DAMAGE OR THE HOTEL CONTACT WHICH DETIALED A REFUND WAS DUE.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WY)

Mortgage loan specialist asked for 2 years of tax returns which I provided to them on behalf of my husband. Next she had my husband sign a XXXX form which requests transcripts of those tax returns from the IRS. I realize the mortgage process does this to ensure that the documents I submit have not been altered. However, when I read through the XXXX document it was prefilled to request 4 years of transcripts from the IRS. Not only did it request XX/XX/XXXX and XX/XX/XXXX which the bank VERBALLY said my husband would need to provide to them in order to approve the loan, but it also requested XX/XX/XXXX and XX/XX/XXXX transcripts. I asked the Mortgage processor if they needed 4 years of tax returns and she assured me that they did not. I then requested that they would have to change the prefilled form to reflect only 2 years of transcripts before I would sign and she refused. She said there was no way to change the form. I told her that someone in the Wells Fargo online e-forms department had access to that form and it shouldnt be hard to change it, but again, she refused. I told her that was dishonest on the part of Wells Fargo to verbally request 2 years of tax returns and then in printed form give themselves permission to 4. If they verbally say they do not need 4 years of my tax returns then I feel it is criminal behavior for them to provide a form that is PREFILLED that requires a signature in order to proceed, that gives them access to 4 years of financial records. This is a total breech of privacy and I feel Wells Fargo should not be able to continue this criminal behavior.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/21, I had a cashiers check in the amount of {$220000.00} issued from funds in my Wells Fargo Bank account. I mailed the check to the payee via certified US mail. The post office lost the check and suggested I put a stop payment it. On XX/XX/21, I went to a Wells Fargo branch and put a stop payment on the check. When doing so, Wells Fargo informed me that I would have to pay a bond of 5 % of the value of the check if I wanted the funds returned to the account right away. Wells Fargo stated that absent payment of the bond, I would have to wait 90 days from issuance of the check to get the funds returned to my account, unless the check was eventually found, whereupon I could take the original check to a Wells Fargo branch and the funds would be returned to my account immediately. I did not pay the bond, hoping that the post office would soon find it and deliver it to the payee. Eventually, the post office found the check and the payee received it. The payee then wrote void across the check and mailed it to me, as, in the interim, I had paid the payee the funds she was due via wire transfer. Today, XX/XX/21, I presented the original cashiers check to Wells Fargo Bank and requested that the funds be redeposited to my account. Wells Fargo refused, stating that because the payee had written void across the check, the check was, for all intents and purposes, destroyed. Wells Fargo stated that the only options for redepositing these funds to my account are to wait the full 90 days from issuance or to have the payee complete an affidavit attesting that the check had never been in the payees possession and for me to pay the bond. Given that I presented the original cashiers check to Wells Fargo, I believe Wells Fargo is required to redeposit the funds to my account without further ado, and that it is unlawful for Wells Fargo to continue holding onto my funds any longer.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I file several disputes over the years and nothing has been done. XXXX, XXXX and Experian are all reporting inaccurate and incorrect damaging information on my credit reports. I have yet to be successful with them properly and 100 percent accurately reporting! Ive asked for deletion, validation, verification and proof of numerous accounts amongst the XXXX in writing. Even reached out to the creditors reporting this information advising them of their errors and violations with no results either. They are violating my FCRA rights and I want to advance my rights to monetary claims from the law breakers. Please help me with this. 

I have proof of a collections that was clearly paid but they are reporting inaccurate dates of payment and the creditor XXXX XXXX XXXX XXXX XXXX XXXX that sold this to XXXX is reporting it is included in a bankruptcy. Which is not true because it has been paid. I have they it was PAID. The reporting paid date on my other XXXX credit reports said it was last paid on XX/XX/2021 but it was paid on XXXXThey both have XXXX reporting each on all XXXX credit files and are inaccurate and damaging to me and my livelihood. Ive tried all I can to resolve this over 2 years now!
Consumer complaint received 2020-12-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.
Consumer complaint received 2024-03-07
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. (MD)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

The issue is regarding XXXX standalone loan modification. They refuse to XXXX me for eligibility. 
AmeriHome Mortgage calls me and then hangs up quickly. In the instances I pick up the phone call, they will not readily identify themselves and ask me to give sensitive information without confirming who they are. 
I have reached out in secure communication via email. No reply regarding the modification is mentioned. I feel its a tactic to avoid reviewing to see if I qualify for the loan modification
Consumer complaint received 2020-12-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been waiting for months to get a response after mailing multiple letters out and i have yet to receive anything back. I have several accounts on my report that i do not have contracts with or the info belongs to someone else. I have reached out to all bureaus and have yet to get a response. This is unacceptable, nothing has been mailed to me as a response.