davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

Today is the last straw!!!!!! Today like I been doing for the last XXXX months called in to ask Equifax why are they not updating my information. I have spoken to XXXX XXXX on XX/XX/XXXX they told me they last reported on XX/XX/XXXX stating I have a XXXX XXXX  for a credit card limit of XXXX it has been that way since the card was paid off XX/XX/XXXX. The answer from equifax is send in a dispute every time I send in a dispute The dispute says resolved. When I call XXXX XXXXXXXX they say they have resolved the issue because on their end they are accurately reporting the information every month which is I do not owe. 
In return equifax startes well you have multiple account. When asking why do I have multiple accounts equifax replies we can not update your birthday we have a team that updates information and the logged it in wrong. We have to put in a ticket and it will take XXXX XXXX from today to be resolved from XX/XX/XXXX the lady also asked to put in another dispute I said no because you guys are not updating the information is it possible to speak to a manger rep hung up in my face and switched me to the survey after I had been on the phone for 1 almost 2. This is ridiculous I want my credit to report accurately on equifax like it is doing with my other credit agencies
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (FL)

Hello! 

XXXX XXXX has been trying to collect a debt from me fraudulently for almost 18 months now. 

XXXX XXXX XXXX  In 2020 I was issued a XXXX machine for medical treatment on an insurance payment plan that required compliance with the treatment in order for insurance to continue to pay. I agreed to this plan. I remained compliant for the ENTIRE payment period and treatment plan however they claim I have not remained compliant because their system has no records for my XXXX  machine ( which I believe wirelessly uploads data cellularly ). As a result they have been trying to charge me {$210.00} since XX/XX/2020. 

The specific amounts owed are : {$100.00} for non-compliance in XXXX of 2020 {$100.00} for non-compliance in XXXX of 2020 I have attached proof of my compliance AND my communications with the previous debt collector. 

I have called XXXX a half dozen times about these invalid charges, and 2 different times faxed them proof of my treatment compliance from my local XXXX store. They continue to claim they've never received proof of compliance and thus continue to attempt to collect. 

Eventually I was sent to collections and I sent them also proof of my compliance ( also attached ). This debt collector stopped contacted me and I assumed it was fixed. Today I received a new debt collection request from a new debt collector, so the issue isn't stopping. The new debt collector is ARStrat ( XXXX ). 

I would like your help stopping their fraudulent claims please! I do not owe them any money and would appreciate your help proving this fact.
Consumer complaint received 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION (MI)

I purchased my leased XXXX XXXX XXXX and used PenFed Credit Union for loan which was closed on XX/XX/XXXX. 
I am paying monthly payments of {$730.00} with no late payments. 
I received the notice ( scanned below ) from PenFed on XX/XX/XXXX that my payment has been increased to {$1800.00} from XX/XX/XXXX as I failed to provide the XXXX for the collateral. There was threatening language that if I did not increase my payments it will become delinquent and my payroll office will be contacted. 
I contacted the PenFed on XX/XX/XXXX and was asked to mail the original title ASAP so this can be reviewed and was granted a 30 day reprieve. 
Further research with Michigan Sec. of State indicated that Michigan is one of the few states ( for used Auto loans ) where XXXX stays with the owner. I contacted them again and they agreed to receive a copy which I mailed by USPSCertified mail on XX/XX/XXXX. 
I had the title since XX/XX/XXXX and Pentagon Federal Credit Union was listed as XXXX XXXX XXXX. I never received any communication from the Bank that I need to send them the title until this loan surprise notice with a massive increase my payments and threat of contacting the payroll Dept.

Cust. service agents I spoke with were courteous and informed me that usually three notices are issued via mail and did not find records of first two.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXXXXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX UCS Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

In XX/XX/2021, I submitted a mortgage application with MTH, the preferred lender for XXXX XXXX. Upon receiving my pre-approval, I immediately inquired about mortgage rate lock options with my Lending Officer, XXXX XXXX. The lending officer did not respond to my request for the rate lock options. I sent follow up emails in both XXXX and XXXX expressing my concern that rates are going up and asking again for rate lock options. The Lending Officer again didnt respond to my requests so called MTH to see how could file a complaint. Rather than giving me option to file a complaint, MTH put me in contact with Branch Manager, XXXX XXXX who apologized for the delay in communication. I expressed my concern that the rates had already gone up too much and that I havent been provided the information I requested to allow me to lock in my lower mortgage rate. On XX/XX/XXXX, XXXX XXXX offered the rate which was available in XXXX when XXXX didnt respond to my follow up, however, she only provided me XXXX to accept the offer. I was traveling at the time she sent the offer so I didnt see the offer and was not able to respond. I reached out to her when I returned and she said the offer is no longer available. MTH did not provide the information I requested which led to me not being able to make the decisions I needed to make with my mortgage. 

I have emails to corroborate the above.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-16
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: CITIBANK, N.A. (FL)

new and updated information CitiMortgage has failed to respond to my letter received by them on XX/XX/2022 within the FCRA required 30 days
Consumer complaint received 2016-07-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (IL)

I have a private student loan through Wells Fargo. I got behind on payments, but I knew I was starting XXXX school soon so I was looking forward to receiving a forbearance to postpone payments until I graduated. I started graduate school on XXXX XXXX. I informed Wells Fargo of this on XXXX XXXX because I knew my student loan was schedule to default on XXXX XXXX. Wells Fargo said I did n't appear on the XXXX, so I needed to get my school to fax Wells Fargo a document verifying that I was a student. I gave my school this form that same day, XXXX XXXX. XXXX XXXX was a Friday and my loan was scheduled to default on Sunday, XXXX XXXX. Wells Fargo claims they did not receive verification from my school until XXXX XXXX, so my loan defaulted and Wells Fargo is now asking for the entire balance paid in full. I believe my loan should not have defaulted because I was in school at the time, which Wells Fargo knew.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

hi my name is XXXX I do crypto and I was lucky enough to sell my nft for a whopping XXXX I went to the bank opened up a sunny trust account a month ago and bingo I wire transferred XXXX in to my suntrust. ( XXXX - suntrust ) I went to the teller same day asked for XXXX she gave me it no problem. I did went to a car dealership to buy a car in doing so I had to get a cashier check. The banker told me XXXX cant touch my funds bc it has to be verified. I said thats weird she gave me XXXX at the other bank. Then I was like okay Ill wait 1 day passes they close my account the bank hasnt sent me my check. XXXX check Ive waited months and months. Please Im only XXXX XXXX XXXX I didnt do anything wrong I have recipes prof and conversation with binance agents on my email as well stating that the funds are with the bank. The bank hasnt gave me any info I go to the branch in XXXX XXXX she tells me theres nothing I can do. Please help this has been a month. Im sleeping at friends house for the time being Ive lost thousands of dollar due to not having the funds to invest. I have a XXXX XXXX  Im XXXX. They have out me in the worst position ever. I have no idea what to do now.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the following have violated my rights : XXXX XXXX account XXXX XXXX XXXX accont XXXX *XXXX XXXX XXXX 1 account XXXX XXXX XXXX XXXX  account XXXX *XXXX XXXX XXXX account XXXX 15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I just checked my Experian credit report I am appalled because they have 11 inaccurate addresses, 3 incorrect phone numbers, last four of my social incorrect they have it as XXXX not mine, 2 incorrect employers, 4 incorrect last names for me and that I have 24 accts. My correct name is XXXX XXXX XXXX my employer is XXXX XXXX XXXX all other information that they have for me is incorrect not accurate at all
Consumer complaint received 2024-03-11
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)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2023-06-01
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. (CA)

When I investigated my credit report, I realized that the erroneous account is still in my file despite it being erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account immediately Kindly fix the negativity of this account : XXXXXXXX XXXX XXXX  XXXX Balance : {$7100.00}
Consumer complaint received 2022-03-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX between the hours of XXXX. I contacted credit bureaus and creditors that my personal information was compromised. Credit was applied foe without my consent.
Consumer complaint received 2022-03-16
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. (CA)

XXXX XXXX 
1 late payment
$XXXX  Balance updated XXXX XXXX XXXX
Account number
XXXX  Account status
Open
Date opened
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Zillow Group Inc. (MA)

I signed closing disclosures stating my monthly payment was {$1400.00}. My mortgage was sold and now my payment is almost {$100.00} more per month because my closing disclosures were wrong. No attempt was made to notify me that they were wrong and the amount was more.
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

on XXXX XXXX, 2015 my husband and me made a offer to buy a house with Wells Fargo, the bank pre-aprove the purchase and my real state agent and the sell agent started puting all together. the purchase should be done by XXXX/XXXX/15. everythis was ok. I always need to called the wells fargo agent to make sure he has all the documentes from me. XXXX XXXX XXXX ( wells Fargo agent called me in to the bank XXXX to sig some paper that he needed, on the day He said that he needed to make a appraisal to the property but I need to pay {$500.00} for this matter. I give him a check the day. on XXXX/XXXX/2015 the appraisal was done I got my copy on the mail and one more XXXX XXXX received. the appraisal has all the information of the property including that it has XXXX units. 
on XXXX/XXXX/2015 XXXX XXXX asked to my purchase agent ( XXXX XXXX ) to request for XXXX extension because the underwriting need more time, the pettion was sended and aproved by the sale agent the same day XXXX/XXXX/2015 ; on XXXX/XXXX/2015 XXXX XXXX ( wells Fargo agent ) called me to let me know that the underwrither did n't aprove the loan because the propery has XXXX units and that the bank would aprove just XXXX house. 
I know XXXX XXXX is laying because when I was looking for my house I asked him if the bank would aprove more that XXXX unit, he responded that I could buy up to XXXX unit no more ; I always told him and also my purchase agent always told him that the house has to unit, this information is on the appraisal papers. 
I told him that but this was his excuse. I asked XXXX XXXX for the refund of my {$500.00} that I payed for the Appraisal, he said that he needs to send some documents before so the bank can refund the money to me but is been more that one month and he does n't resond my e-mail or call, he also request a second inspection for the roof with a 2 years waranty certificate, I had to pay {$250.00} for this inspection because the underwrither needed it to aprove the loan