davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I submitted a complete modification packet to Wells Fargo since X/XX/2017.However they are refusing to provide me mortgage assistance. I explain to them that my income has change, my son is no longer contributing and the renter I had left without paying me rent. I provided Wells Fargo with my new income, the new company I am currently working, they offer over time. <P/> Wells Fargo is stating there is not enough change of income is order to activate my file with the under writer. How is it possible that Wells Fargo is stating there is not enough change in order for them to activate my file. I explain to Wells Fargo I am not collecting rental and my son is no longer contributing, that is enough change to be evaluate for a new review. Also the new job is offering over time and my paystubs is showing that increase of income. Now Wells Fargo has schedule a new sale date for X/XX/2017. I am scare to lose my home. I am trying to work directly with Wells Fargo but it seems to me their intentions are to foreclose my home. I dont have any where to go, I have loss so much already a marriage of over 20 years and now my home, I am extreme devastated. Please help me keep my house, since I have never denied myself to work with my Services.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

On Tuesday, XX/XX/year>, four withdrawals for {$1000.00}. Each were taken from my checking account and sent to XXXX. I did not authorize these withdrawals and informed the bank. The bank told me the charges were pending and the money had been sent, but that I can get my money back by notifying the fraud department. I did that two days later. I filed a complaint, saying that I did not authorize these withdrawals. I was told by the bank later that my claim was denied because I had done business with XXXX in the past. I received a letter from the bank, saying they would not refund any of my money.
Consumer complaint received 2017-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My ex-husband and I purchased a home in 2001. Shortly after, we divorced. In the divorce, he was granted the home, and assumed all debt related to said property. I have submitted court documentation to the mortgage company multiple times, yet they continue to report this debt as mine. I am now in the process of trying to purchase a home for myself, and am practically unable to do so because this account is being reported on my credit report as a delinquent debt, and as a large debt that is artificially inflating my debt/income ratio.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax has allowed an unauthorized inquiry to be placed on my credit report and I 've disputed it twice, with no assistance. On XX/XX/XXXX and XX/XX/XXXX, I disputed an unauthorized inquiry from a company called XXXX XXXX XXXX. It 's a company I have no knowledge of. My disputes were received in letter form.
Consumer complaint received 2015-04-10
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation (MN)

After telling them not to call my work, which is at a XXXX. therefore falling under the inconvenient clause. They continue to keep trying to contact me there. They also keep calling my parents house after they have repeatedly asked them not to.
Consumer complaint received 2017-06-30
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. (IL)

I looked at cars twice from XXXX different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the XXXX  department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.
Consumer complaint received 2017-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: New Century Financial Services, Inc. (NJ)

I enroll at XXXX XXXX XXXX XXXX in XX/XX/XXXX for a program starting XX/XX/XXXX ending XX/XX/XXXX. During my enrolling and attending classes at XXXX XXXX, I went out on a approve medical leave of absence from XX/XX/XXXX to XX/XX/XXXX. I went to school for about a week and a half before going out on leave of absence. I never establish a grade point average because I was out on leave of absence. I receive a letter from the college inquiring if I was planning to re enroll, I call my student XXXX and told him I was n't planning to re enroll because I was still in physical therapy and I was unable continue school in the future. Counselor said he would take care of the matter. I never receive any forms to state that I was withdrawing from XXXX XXXX.I did n't hear anything from the counselor, I receive a letter from XXXX XXXX XXXX representing New Century Financial Services , INC . I am being sue for {$6600.00} and I strongly disagree on this debt because the college never followup on their own Cancellation and Refund Policy. I dispute the claim. to date, found it necessary to hire a lawyer to resolve this matter. Any assistance on your part would be helpful. Thanking you in advance.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Its been 3 months and Equifax tech support has failed to respond and fix issues with my Equifax login they told me they had deleted the account and I need to recreate a new account in order for the login to work in XXXX when I went to do as instructed and create the new account the online portal told me that an existing account already exist and when I try log into the old account it give me the same blue screen saying cant complete your request at this timecall customer care I have put in over XXXX support tickets after this and Equifax have failed to fix my online portal so that I can login. Every time I call consumer affairs all they do is tell me that they have to put in another support ticket and send to the tech team and these tickets are not getting answered Im not having any help and my online Equifax login still is not working keep getting blue screen saying Equifax cant complete my request
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Hi I am submitting this 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 590. 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 XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-10
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. (OK)

I the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Consumer complaint received 2022-03-10
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. (OK)

I AM the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I AM the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2019-05-07
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. (AZ)

On XX/XX/XXXX I sent out a letter to challenge the inaccuracies on my credit report. 

Year of birth is listed as XXXX on report.which inaccurate. 

XXXX XXXX TERMS - XXXX ... Should be a numeric value only. Inaccurate. 
MONTHLY PAYMENT - {$450.00} ... there should be no monthly payment on a closed acct. 


US DIST COURT Court Name is incomplete. Should include city and state. 
XXXX  did not verify this acct. with the source which would be the courthouse.
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LJ Ross Associates (IL)

customer service representative called and asked to verify address. When I asked what this was regarding. She would not tell me and repeatedly asked me to verify my current address. I said please take me off your list. And she said they do n't have a do not call list. Again and forcibly she asked for me to confirm my current address without telling me why. At this point I said goodbye and hung up. 

I did not know it was a collection effort from XXXX XXXX XXXX XXXX until I got a letter in the mail stating I owed XXXX a past due bill from a prior residence. Which I have since paid. The tactics used by this company are not okay and deceitful.
Consumer complaint received 2017-07-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

To whom make concern : XXXX XXXX XXXX XXXX of XXXX that it had been my only checking and savings for 19 years and it was originally entitled XXXX XXXX XXXX XXXX charaged me inapproply for a {$45.00} after I closed my account and failed to inform me that I owe anything. The president XXXX XXXX immediately sent the matter conserving a {$45.00} to a collection ageny and significantly affected my credit score in a negative way. <P/>I received no correspondence from the bank or any collection agency. I learned about it when I opened a checking account with XXXX XXXX in XXXX Massachusetts. XXXX XXXX  officials notified me that the collection had been placed into collection XX/XX/XXXX and I did not learn about it until I open another account in XX/XX/XXXX. <P/>During the 19 years as a credit member at XXXX XXXX XXXX I purchased four vehicles ( two motorcycles and two foor door vehicles and paid off all of my loans impeccably. <P/>XXXX XXXX 's decision with spiteful, unprofessional, intentional and damaging to my credit. That is unacceptable coming from a credit union, so I making this complaint to the federal trade commission as well as the commission of credit card companies against XXXX XXXX only took over as the president of the credit union three years ago. ( XX/XX/XXXX ) He is a cold, unprofessional who treats cumstomers poorly. I have also sent a copy of my complaint every member of the XXXX XXXX XXXX XXXX XXXX XXXX 's board of directors and received no response. <P/>My objection it is they treat a very small credit union that is set up for municipal employees and teachers like it 's a gigantic corporation and we are just a number. That was never true before XXXX XXXX was assigned to the presidency by the board of directors. <P/>I would like the matter to be rectified, investigated in my credit restored by the credit union contacting the Frederal Trade Commission directly and the three major comsumer credit agencies to remove that false statement. <P/>XXXX XXXX 's unethical behavior and unfair treatment to a member of 19 years illustrates the fact that he does not belong leading a credit union, rather he is more suited to be a debt collector or an insignificant staff member in a large financial institution, because he lacks the communication skills or professionalism to represent a credit union that serves the needs of firefighters, teachers, and the police department and XXXX and other XXXX XXXX. <P/>Thank you for teaching out to me in order to help me in this situation which is unfair and unethical on the part of XXXX XXXX and XXXX XXXX XXXX XXXX newly named to the XXXX XXXX XXXX XXXX, I would never have believed that a credit union would deliberately impact a 19 year member 's credit negatively. <P/>Sincerely, XXXX XXXX XXXX Former Account Number XXXX.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have received several letters from y'all indicating that y'all will not put this on my credit report it is only showing on the credit report from XXXX y'all have sent me a letter stating that y'all will not put it on my credit report. I have requested information and it has not been accurate. I 'm a question that this inquiry be taken off my XXXX credit report due to yall sending me several letter stating that y'all were going to take it off
Consumer complaint received 2017-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX, I applied for a Bank of America XXXX XXXX Signature edition credit card. I did so because I wanted to receive the benefits that were outlined in the offer ( e.g., miles, companion ticket, etc. ). I was immediately approved and was informed I could begin using the card, which I did ( spent over {$1000.00} ) to meet the requirements for the miles. <P/>Upon receiving the credit card in the mail, I called Bank of America to ensure that I would be receiving the airline benefits, because they ( miles, ticket info ) were NOT outlined in the paperwork I received with the card. They told me I needed to contact the airline to find out that information. I called the airline, and they told me they did not have access to that information and that the awards would be issued after my first statement ( since I already spent the required amount ). <P/>Approximately one month from when I applied for the card, the first statement was issued, I checked my account online. In reviewing my account, I noted that I did not receive the miles I was expecting, but rather only a small portion of that amount and no companion ticket. XX/XX/XXXX I called both the airlines and Bank of America, and was informed that I was not approved for the " signature card '', even though I have a excellent credit score ( about XXXX ) and my $ XXXX mortgage has been with Bank of American for the past 7 years ( always paid on time, no issues ). I was approved for a different credit card, 'platinum ', that was not eligible for the same benefits. <P/>I requested that they change my account to the 'signature ' edition, but they told me that even though I would be eligible for the signature card, I was no longer eligible for the airline benefits that came with that card because I was already issued the 'platinum '. <P/>Bank of America needs to be more up front about their different card options, which one someone is receiving and benefit differences, and people should be able to apply only for the Visa Signature edition. If this is not resolved, I am going to cancel my credit card with Bank of America and change my  mortgage to another institution.
Consumer complaint received 2015-11-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Consumer Portfolio Services, Inc. (MD)

my XXXX loan was with consumer portfolio service. CPS stop taking monthly pymnts from me and forward the account to collection who demanded {$10000.00}. i filed a complaint via better business bureau, CPS then stated i owe {$7000.00} but will settle for {$3000.00}. i then tryied to trade the vechicle in but CPS now went back-up to {$7000.00}. CPS solded the account to an outside co. [ als resolvion ] to whom pick-up the vehicle. My vehicle was paid-off and CPS was collecting late fees from me, but stated i still owed on the vehicle. Please Help now that they have the vehicle i want to be cleared of that debit because they will sell the vehicle for more then it is worth.
Consumer complaint received 2019-10-01
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: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.