davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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: Sequium Asset Solutions, LLC (FL)

On XX/XX/XXXX I received an alert on my credit report provided by XXXXXXXX XXXX  I found that an unpaid debt was recorded in my name for an account with XXXX XXXX. It was for approximately {$240.00} XXXX I don't recall the exact amount ). I did not have an account with XXXX XXXX, and do not believe I ever have. First, I filed a dispute with XXXX on XXXX XXXX, Case number : XXXX, then I followed up with a call to XXXX on XX/XX/XXXX where I spoke with a representative named XXXX. She informed me that they did indeed have a record of an account opened using my Social Security number. XXXX had already turned over this account to a debt collection agency called Sequium Asset Solutions , LLC. XXXX then transferred my call over to Sequium where I spoke with a representative named XXXX XXXX. He asked me about an address used on the XXXX account in question. It was an address where I had lived almost 20 years ago. Mr. XXXX told me the XXXX account in question had been opened just last XXXX, XXXX. He also asked me about an email address listed for that account that was not my own. Mr. XXXX then told me that he would report this account to XXXX XXXX as fraudulent and that XXXX would conduct an investigation. He noted my true email address and said that I would be contact for updates of my claim status.
Consumer complaint received 2021-02-05
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. (NJ)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report.
Consumer complaint received 2022-10-10
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. (CA)

XXXX shows XXXX amounts due to XXXX XXXX XXXX, both from XXXX XXXX XXXX, XXXX for {$67.00} and the other for {$84.00}. I believe these are duplicate charges. I have asked for these charges to be verified and have not received any answer.
Consumer complaint received 2021-02-05
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)

I've provided my drivers license as well as my social to the Equifax Credit bureau. I have received several response letters requesting my ID and Social. I've mailed it in several times and now I am worried that someone has my personal information and is able to use it. If I have mailed it to Equifax over 6 times since the month of XXXX, why are they still requesting it? I have also uploaded it here to this website on a complaint. What is going on?
Consumer complaint received 2019-11-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

To whom it may concern, I have tried several times ( 4 to be exact ) to get XXXX XXXX, XXXX, XXXX, and Experian to investigate my credit file as they are reporting inaccurate information. I noticed that they were reporting bankruptcies on my credit file that they received from XXXX which I noticed was also reporting inaccurate information to XXXX XXXX, Experian, and XXXX. I contacted XXXX by mail, and they advised that XXXX XXXX, Experian, and XXXX  has never responded to their request to initiate an investigation into the inaccuracies that they have been reporting. I have attached letter correspondence between XXXX and I which states that they reached out to all 3 credit bureaus who are simply stating that they will not re-investigate their inaccuracies. I have also put a freeze on my XXXX file until the inaccuracies are fixed by XXXX. I have contacted the bankruptcy courts who stated that they did not report any court filings about me containing my social security number to XXXX, XXXX XXXX, XXXX, or Experian. Note that I am a " Junior '' and my father shares the exact same name and addresses attached to his credit file. If the original source of those reports ( The Federal Courts ) is stating that they did not provide any information to either of those bureaus regarding any cases, if any that I'm involved in, then how is this being reported on my credit file? Since XXXX, XXXX, XXXX XXXX and Experian have all refused to correct those inaccuracies, I am filing a complaint with your office. I have also attached all USPS certified returned confirmation slips that confirm that all four credit reporting bureaus received my disputes and refused to follow the guidelines set forth in the Fair Credit Reporting Act.

I have also contacted XXXX, Experian and XXXX XXXX in reference to a collection account that was added to my credit file without me receiving any notification of this collection account. I have sent four dispute letters to each agency and only XXXX   corrected their file to report accurately. XXXX  conducted the proper investigation into the frivolous collection account and removed it, then why are the other 2 bureaus refusing to do the same? Any assistance from your office to get these credit bureaus to conduct proper investigations into inaccuracies on my credit files would be appreciated.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I closed my account in early XXXX, I didnt know at the time how much I owed. I gave them more money than I expected and Wells Fargo never gave me my money. I called them numerous times about the money. Wells Fargo never refunded my balance owed.
Consumer complaint received 2021-12-02
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Account status Open Status updated XX/XX/XXXX Account type Charge Card Payment status Current, was past due XXXX days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage XXXX XXXX Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving
Consumer complaint received 2020-09-06
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. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 

For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Got contacted by email and text by Chase bank saying that my email and phone number was taking off the account on XXXX XXXX. When I called and was on hold for almost 2 hours, they said that they had closed the account and would not give me a reason why. The next day I went to the bank and they said there a is restriction on the account and that they can not give my {$6000.00} dollars that is in that account. They said i would have to call and wait on hold to til talk to someone that can lift the restriction, I thought that was what the bank manger was able to do. I called the number and was on hold for another hour and they said that they could not help. I asked to speak to a manger and they said that they could not give me my money until they completely close the account, then they will let me know when I can get my money. I want my money now.
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I sent the attached letter to Nissan Motor Acceptance Corporation certified on XX/XX/XXXX and have yet to receive a response. The company is required to send me a signed contract with the signature matching my ID to validate the debt.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans union has been listing my XXXX XXXX XXXX account erroneously. They have it listed in duplication on my report. I filed a dispute which was largely ignored. The effect is it shows that I have more open accounts and it inflates my total balance due which lowers my credit score.
Consumer complaint received 2019-08-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (KS)

I have faxed several times trying to get a copy of the bank this Home Line of Equity was deposited to as follows:1.)  $XXXX deposited to checking account #XXXX  with no Routing number of       bank name.2.) Undisbursed funds $XXXX3.)  $XXXX      $XXXX XXXX  XXXX      $XXXX XXXX XXXX      $XXXX XXXX XXXX4.)  $XXXX Mortgage Real Estate TaxCredit Line:     $XXXX  Total  I keep faxing to XXXX with a response that is not answering the questions I have repeatedly ask for many times.
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I did a loan modification and they decided to foreclose on the property I got hud involved and they said they made a mistake and let it slip through the cracks and backed out. They added a lot of money to my loan and a 50 year term. My current mortgage lady told me that was the most fraudulent loan shes ever seen and shes been in the business for 20 years. I sold the house over the summer. Property address XXXX XXXX XXXX XXXX va XXXX. Thanks XXXX XXXX.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report IMMEDIATELY. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) states that I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2022-03-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Letter to remove inaccurate credit Information Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigating these items for me to ensure accurate. 
Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX Total card ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX After your investigation is complete XXXX please send me the results via mail. 
Thank you in advance. 
XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank is reporting erroneous lates on my credit file. These lates are from XX/XX/XXXX and XX/XX/XXXX. This account was closed and paid back in XXXX ... I don't understand where these lates are coming from. These lates have damaged my credit severely and i need them removed.
Consumer complaint received 2024-03-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: TD BANK US HOLDING COMPANY (NY)

My name is XXXX XXXX ; I am the trustee of the XXXX and XXXX XXXX revocable trust ; With respect to a 9 month CD # XXXX that was issued to the Trust on XX/XX/year>. The maturity date as detailed on the term deposit receipt indicated that I had 10 days from the date of maturity in which to withdraw the entire deposit. On the XXXX day I was unable withdraw the deposit due to the bank being closed in observance of XXXX XXXX XXXX, XXXX holiday. I went to the bank to withdraw the deposit on the next calendar day and was assessed a penalty of {$300.00}. 

I am disputing the penalty imposed and demanding that TD refund the sum of {$300.00} plus interest.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from XXXX  during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year XXXX  which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was 30days late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TX)

In XXXX of XXXX I got a loan through credit acceptance for a XXXX XXXX XXXX XXXX  The car was originally priced at {$10000.00} and I was given a 22.99 % interest rate. This made the finance charge come up to XXXX. I gave the dealership XXXX but it was only reported on the paperwork from credit acceptance that I gave them XXXX down. Fast forward to XX/XX/XXXX I completely paid off the loan.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (GA)

My loan for a property was moved to a new loan servicing company, " NewRez ''. 

First, I never received a notification that the loan was transferred and only found out when logging into my previous account and calling that servicer, " XXXX ''. Initially XXXX transferred my call to NewRez to get my 1098, but the representative was of no help as he kept asking me for my new account number and all I had was my old account number, as I never received a welcome message that included my new account number. 

I have tried to contacting NewRez and have had no luck calling every number that I could find on their website. The line just keeps ringing through with no answer on the NewRez side.f
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (TN)

On XX/XX/XXXX I tried to make a purchase at XXXX XXXX XXXX XXXX XXXX  as I was visiting my XXXX on vacation and my card was declined which was strange since there should have been $ XXXX left available on the card. I paid for the merchandise with another card and left the store. Immediately upon getting to my car I called the company to find out what was going on. They informed me that my card was locked due to suspected fraudulent activity. I asked what they thought was fraudulent on my card that would warrant it being locked and they said they couldn't see the exact reason but if I were to send proof of address and a copy of my driver 's license to validate my identity then the information would be reviewed, and the account could be unlocked. I did state that I was out of town and didn't have access to a utility or any other mail that I received she then told me to send a copy of bank statement and my driver 's license. I have now sent everything to them but continue to get the run around. Yesterday I spoke with a rep who told me that they had everything they needed, and my card would be unlocked within the same business day. As of XXXX it was still locked so I called them back to ask why at which point I was told that my proof of address was not sufficient. This 14 days after this process had be started and I have had multiple conversations with the company re this issue and have been told that the proof of address was good but the driver 's license they had multiple issues with and I had to send it XXXX  times at which point I was told everything was good. Now they are saying they need proof of address. They are just jerking me around and I am unable to use my card but they are expecting to get payment on time and of course eveything that I have on autopay with this card now needs to be moved somewhere else before those purchases are denied as well. They never contacted me to tell me that there was a problem with my card they just locked it.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I talk to the property multiple times maybe 2-3 times to understand why I still owed something If I paid my last rent payment and the apartment wad left perfect, property states I am paying water and because I return the key a day before than I was supposed to so I had to pay a total of {$210.00} and they were supposed to create a case to correct the amount but never did and so they sent me to collections without me even knowing. contacted the collections agency and they are giving me all the incorrect information stating that I owe that money because I gave them the notice to vacate TOO EARLY and that is why the other fees and contacted the property back and they dont have a charge for that it doesnt exist ir work like that and they keep telling me they credited my account to {$210.00} instead of {$310.00} but the debt collector doesnt contact them and just gives me wrong information everytime I call them, they interrupt me dont let me explain and also leave me on hold for XXXX minutes for me to hang up Ive also been hang up on many times just to not fix my issue I wsnt to pay the {$210.00} which is the correct amount and they just threaten that they will report to the credit bureau soon. There are charges for XXXX when I moved out on XXXX just fishy stuff
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (PA)

My accounts were frozen/restricted without cause as retribution for someone I live with having their account frozen ( his wife 's account was also frozen ). There is supposed to be {$0.00} bonus for logging in for 7 day and credit score increases and neither my roommate, nor his wife had their rewards reinstated when they reported SoFi to CFPB and their accounts were reinstated. I'd like those reinstated too.
Consumer complaint received 2022-03-02
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Letter to remove inaccurate credit Information Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigating these items for me to ensure accurate. 
Here are the items I am asking you to verify as accurate. 
1-XXXX XXXX XXXXXXXX XXXX Total card ) - XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After your investigation is complete XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail. 
Thank you in advance. 
XXXX XXXX XXXX