davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC (GA)

I WAS CONTACTED FROM THIS DEBT COLLECTOR ACCUSING ME OF HAVING THIS DEBT AND THREATENED ME TO FLAG MY ACCOUNT WHICH THEY DID 2 DAYS LATTER THAT DAMAGED MY CONSUMER REPORT AND MY IDENTITY. I NEVER SIGNED ANY CONTRACT NOR ALLOED THEM TO HAVE MY INFORMATIONS WHAT SO EVER. COMAPNY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was refused access to my online account because I refused to give their automated system a telephone number. They wish to contact me by telephone when they detect " unusual or fraudulent activity ''. I do not want them calling me or to monitor my account. I check my account everyday. If there is anything unusual or fraudulent, I will see it and report it. The problem is that when you see a problem ( usually in the pending section ), they will not act on the problem or allow a complaint until the transaction actually posts to the account. There has been more than XXXX occasion where foreign transactions that I initiated were stopped ; preventing me from making purchases for items I wanted. So, I do not want them to be making arbitrary decisions about banking transactions that they are not qualified to be making. 

Even the security questions they asked for me to answer did not apply to me or I simply could not answer. The XXXX question I could have answered ( What is your mother 's middle name? ), the system would not accept it. My mother did not have a middle name but an initial ; A. Their system would not accept it. 

Because of this, I am not able to access my account to be sure I am not going to be overdrawn ; which they will want to charge me for.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (IL)

I lost my card back in XXXX, plus I have new I have new XXXX the password and username was saved on my other pickups account which was locked I couldnt transfer it to my new phone. So I recently checked my chase checking account and on nontification and its say this Major Derogatory JPMCB CARD It looks like your account with JPMCB CARD received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. 


So after reading that I just didnt know it came to that I was making small payments because after COVID 19 on XXXX I start looking for job couldnt get one, so I started government funding to start trucking school and I got 6 sister and my mom and dad is XXXX he cant work, too many bills for me to handle, I cant couldnt remember but every time I receive notification I go an pay the amount a bit.
Consumer complaint received 2017-10-24
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. (GA)

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and XXXX aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (FL)

I enrolled in Netspend prepaid card service. I had my paycheck direct deposited on XXXX/XXXX/XXXX. I called to see what my options were as I had not received the actual card yet. I was told I was limited to ACH transactions until my card arrived ( still waiting for my card ). So I have no access to my money whatsoever until that day comes. But I had bills to pay, so according to the netspend website i sibmitted bills for payment via ach. Following netspend instructions for ACH payment. They charged me a {$5.00} " service fee '' then rejected my auto loan payment as well as my cable bill payment. How is it fair to that they can debit my account for a service fee, but i cant use my own money to pay my bills? What is the service im being charged for? To have my payments denied?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Financial Systems, Inc. (MS)

I was involved in a wreck on X/XX/2012. Other party at fault. Had attorney to handle this matter. The day after the wreck I hired XXXX XXXX ( attorney, XXXX XXXX, MS ). Medical bills should have been handled through XXXX XXXX ( other party 's auto insurance ). <P/>Southern Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have a home mortgage with Wells Fargo that has been in place since XX/XX/2013. I have never been late on any payment, and the payment is electronically sent from my account. I sent my payment for XX/XX/XXXX in the same amount i have been paying since XX/XX/2013. Without any notification, Wells Fargo held my payment in " suspense '' because apparently they recalculated the escrow amount and my payment fell {$77.00} dollars short. I was contacted by their collections department and told that I was also assessed a {$100.00} late fee. Wells Fargo had not notified me that my payment had gone up.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (LA)

XXXX I purchased a refrigerator, microwave oven and a television from Conn 's Plus Appliances. They delivered the items a week later. Upon delivery I expressed that I did not want them to install the microwave or the television because it was to expensive and I had someone else install the tv. Two days later my husband returned the microwave because it was not the one I originally selected and it was the wrong size and did not fit the inlet space over my stove. They charged me a restocking fee for returning the microwave and have NEVER adjusted my original bill to reflect the deduction for the returned microwave or deducted the charges for the installation of the tv. I payed the monthly bill ( late 2 times ), initially they were harassing me and calling me at work. I asked them not to call me at work and they stopped. XX/XX/XXXX I tried paying the balance off but it is incorrect and I refused to pay the incorrect balance. My payment is due on the XXXX of the month and they call at least 10 times a day for the payment. My husband and I have been to the store and no one is ever there that we can speak with. When they call me at home and I inquire about an adjusted ( corrected ) bill, they say they are transferring me to customer service and the line goes dead. I am at my wits end. I am considering getting a lawyer. I 've tried reaching someone at their home office in Texas, to no avail. I went to their website and it was full of complaints ( I submitted one also ). Please help me get resolution in this matter ASAP! 

Very, very DISGUSTED P.S. My initial monthly payment was late because I was told the first payment was not due till XX/XX/XXXX but it was actually due on XX/XX/XXXX ; I requested my payment date be changed to the XXXX of the month and that was a big hassle also.
Consumer complaint received 2024-02-22
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. (GA)

There are unauthorized hard inquiries on my report. These injuries below are fraudulent. 
EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
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. (LA)

Equifax and XXXX  are not investigating the negative account reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of this account and I have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following account as not in dispute, when in fact it is in dispute. The account is XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This item is in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix this account however, I have not been successful.
Consumer complaint received 2021-09-05
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: Experian Information Solutions Inc. (GA)

Report Number XXXX Date Generated XX/XX/2021 / XX/XX/2021 XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 
The info is not correct. 
I have asked them to remove this account, the other Credit Bureaus have removed this account
Consumer complaint received 2023-01-28
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (DC)

I was in the refinance process with another Lender in early XX/XX/2020, and LoanDepot provided me with a better deal and I decided to go through the process with them and applied on XX/XX/XXXX. I sent the other lender 's appraisal report to LoanDepot, so they were at all times aware that the property I was refinancing was in a large, 150+ unit condo building -- a fact that is also evident from my apartment number.

Originally, I was told that the refinance would close in around 30 days. That date dragged. In the meantime, I provided LoanDepot  with all of the information they needed at all times. 

Starting in XXXX, LoanDepot representatives stopped providing me updates, and it felt like I needed to move the process along. Eventually, LoanDepot representatives stopped responding to my emails and phone calls. 

After the 60-day rate lock expired, and after I sent emails to everyone at LoanDepot whose email I had threatening to contact regulators, LoanDepot told me that, as it turns out, they can not refinance properties in condominium units with more than nine units. 

It is simply not plausible that it took the various representatives and underwriters two months to figure out that my property was in a 9+ unit condominium, given my apartment 's unit number, and the appraisal report that they had for two months. Either LoanDepot is guilty of gross incompetence, or more likely, this is just pretext to get out of closing on the terms to which we had agreed.
Consumer complaint received 2017-07-02
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. (CT)

I have contacted the credit reporting agency multiple times this year trying to resolve my issue. I have several student loans reporting between years XX/XX/XXXX and XX/XX/XXXX. These accounts have been closed. Also they are showing as multiple accounts even though they should n't show so many. A lot of the accounts are duplicates of accounts already reporting on my credit report, multiple accounts reported with the same account number. I have tried to contact the credit reporting agency and the response I have gotten is that " they are validated ''. I have asked for proof of validation and have received no response for that request. I asked for these accounts to be removed as they are over 7 years old and not being reported correctly. These accounts are paid in full and closed. I would like them all removed from my account as it shows incorrect credit history. It is hindering my process to purchase a house for my children and I. Please remove these student loans from my account due to age and inaccuracy
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

About a year to a year and a half ago I signed up for a Wells Fargo personal bank account over the phone and was sent my cards and paperwork through the mail. Since then I have had trouble over and over using their online services and specifically when I try to reset my password it has you enter your username and some ID such as your DOB, Social or Account number. If I enter my username and social it tells me I have multiple accounts, if I enter my username and DOB it tells me I have multiple accounts. I only have XXXX account with Wells Fargo. I was hung up on by XXXX Wells Fargo 'bankers ' twice today for asking if this was related to the news article that came out. The last call I was told I would be connected to a supervisor to help clear the issue up and was hung up on before any kind of transfer happened. While writing this I am on hold again. I am in Texas, not California but I believe I may be a part of this recent news. I have not been given answers yet and need to know if I am or not a part of this issue.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I closed my account over the phone after the company wouldnt allow me to make any kind of payment with my bank account. They rep told me I did not owe a balance and it would be closed, I would get a refund of the remaining {$40.00} still left on the account ( since it was a secured card I paid {$300.00} for ). I assumed everything was settle until I was in the final phase of purchasing my own home for the first time ( I am a XXXX XXXX XXXX and single parent, this was a life changing moment ) and the informed me I had an account in " charge off '' status with almost a {$200.00} balance. The company states I owe fees that were completely fabricated, and that they had to close it as a charge off. This was completely false and a total misrepresentation of credit ability. I have tried, numerous times to settle with the company and they have ignored me. I have exhausted every option I can. I need the charge off status removed in order to move forward with purchasing a home, so we have been homeless since they falsely added this to my credit file. I need this case resolved immediately and need the company to be held accountable for reporting accurate account information.
Consumer complaint received 2021-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dynamic Recovery Solutions, LLC (NJ)

I received a letter dated XX/XX/XXXX from Dynamic Recovery Solution LLC on behalf of XXXX XXXX XXXX seeking {$610.00} for a XXXX XXXX account closed in XXXX and paid in XXXX in full. This debt was paid in full in XXXX since I was seeking a job from the financial company XXXX.
Consumer complaint received 2017-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I was Denied for Capital One Visa Credit card because of my XXXX XXXX XXXX XXXX XXXX .I am a Military Veteran. On the letter of application ID # XXXX of Capital One Bank states that I was because of many deliquent past or present Capital One Credit obligations. I do n't have no Capital One credit cards active or Capital One Bank collections on my credit report with XXXX, XXXX and XXXX, bankruptcy chapter XXXX that was filed on XX/XX/XXXX and Discharged on XX/XX/XXXX by XXXX, Texas Federal Judge. On XX/XX/XXXX Capital One sent me a letter with application number # XXXX and Capital One Case # XXXX with CFBP case # XXXX. Capital One administration will not issue me a Visa credit card and continuing to Discrimate and Retaliate against because of National Origin as a XXXX and Military Veteran. Why Denied a XXXX Citizen and Military Veteran because a filed Bankruptcy chapter XXXX and XXXX and XXXX XXXX XXXX?.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

There is an XXXX XXXX account. I asked the account to be verified and sent verification letters to the Bureau. XXXX XXXX was not able to verify the account. I checked my credit report this morning and XXXX reinserted the account back onto my credit report. I did n't receive any notification that this account was added back. According to my rights I have to be notified in a XXXX day period. When I asked for the account to be verified, XXXX was n't able to prove verification. That burden of proof is on them, not me. This account was taken care of XXXX  months ago. If you look at my credit file you 'll see this account was removed. This is misrepresenting my credit worthiness and my process of having a home loan. The last thing I want to do is file legal action. I am completely in my right to do so. I would just like to have this account deleted. Thank you!
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions