davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Equifax , Inc . is in violation of the Fair Credit Reporting Act. I have been denied credit based upon their file though I have no debts and a FICO score of XXXX. Three attempts to obtain my annual credit report on-line have been unsuccessful. A request form - with driver 's license and social security card photo copy, sent by certified mail on XXXX XXXX was received XXXX XXXX. A form letter posted XXXX XXXX informed me that my file was not available and to submit the same form request - with photocopies of the same documents!
Consumer complaint received 2024-02-27
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX I have a home equity line of credit ( HELOC/ {$18000.00} ) with another lender, which was to be subordinated to a refinanced mortgage at Wells Fargo ( WF ). However, at the closing ( Thu, XX/XX/2020 ) there was a document stating that I had received funds to pay off the HELOC and I was to close the account. I tried calling the WF rep because this was not accurate, but only got her voice mail. The notary called her rep, who replied I needed to call Wells Fargo. Needless to say, I did not sign that document. At the notary 's request, I texted her my reason for not signing it so she could convey it when turning in the packet. The packet also included the correct subordination document, which I did signed. 

On Friday, XX/XX/2020, I emailed WF to inform them that I could not sign the HELOC- Authorization to Close Account document because it was not correct. 

It was not until Monday XX/XX/2020 that I received a copy of the closing packet. While reviewing it, I noticed someone had forged my signature on the HELOC-Authorization to Close Account document. I recontacted WF and XXXX XXXX XXXX XXXX reiterating that I had not signed it, but someone else has. XXXX XXXX XXXX XXXX stated that is how they had recieved the documents. ( It appears that XXXX XXXX XXXX XXXX subcontracted to another company XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX also stated that they would remove that particular document. 

The companies involved must be held accountable for blatantly forging a signature that creates a financial liability on someone. 

Laslty, they also sent closing disclosure ensecurely via email. That is likely a violation of California and Virginia privacy laws.
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

SEE ATTACHED REPORTING ON CREDIT REPORT THIS IS NOT MY DEBT. 

THIS IS OFFICIAL DEMAND LETTER TO REMOVE FROM MY CREDIT REPORT IMMEDIATELY AND STOP CALLING MY WORK AND HOME Disputed through XXXX XXXX. Debt is not mine. Debt Collectors continue to call me at my office and home harassing me at work and late at night. They are also falsely reporting collection on my Credit report. Let this serve as official demand letter to remove from my credit report.
Consumer complaint received 2018-02-21
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. (WI)

Since XX/XX/XXXX, I have been trying to have Equifax and XXXX to update my credit report, delete unquiries XXXX XX/XX/XXXX and accounts older than 7 years old. Equifax still reporting a collection that I am no liable for, even after evidence from my health insurance has been submitted showing I have no responsibility. Equifax per information submitted to my previous complain stated that they verify my name but did not acknowledge the insurance evidence, the collection needs to be removed, I also notified the bureaus that on XX/XX/XXXX, my license, social security cards were stolen, there have been inquiries to my credit even after I placed a freeze and yet the bureaus have failed to prove that it was in fact me who made the requests. And lastly they are reporting accounts that are more than 7 seven years old.
Consumer complaint received 2023-04-10
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX I received an alert that I have a " flagged Collection '' from XXXX XXXX XXXX on my Experian credit report, for XXXX. On the XX/XX/XXXX I made a complaint against this company for harassing me for a debt that I do not owe them. The " balance '' they are referring to for this particular account was with someone else and that company has been paid in FULL before this was reported to my credit report. I am sending this complaint to report that Experian has allowed this company to report FALSE and fraudulent charges to my report and has NOT validated this debt, because if they did hey 'd see that I do not owe it. They have placed this account on report in revenge of me disputing it with them in writing. This is the THIRD fraudulent account that Experian has allowed them to place on my report without VALIDATING. They allowed XXXX XXXX XXXX to place a debt on my account on XX/XX/XXXX for a debt that they have said was obtained in XX/XX/XXXX but have the remark listed " included in bankruptcy " well how is it that you have bankruptcy listed for me completed in XX/XX/XXXX but accepted a collection " included '' in that said bankruptcy dated a year later. How is that legal??? I want all these fraudulent accounts off of my report. I have contacted you multiples times regarding this company so I have no choice but to take it as far as possible that I am rightfully allowed to. I have attached some documents that this company sent to me which in BLACK & WHITE and proves I do not owe them ANYTHING, and the " debt '' they have me listed under belongs to another company dated from XX/XX/XXXX and 2. that they legally should not have been able to place ANYTHING on my credit report. 3. I have sent Experian certified letters requesting copies of documents used to VALIDATE this debt and they have YET to send me anything validating it or proof of any sort. They are just brushing this all under the wrong and its causing deformation of MY character. If Experian did have docements supporting this then it would have NEVER been placed on my report to begin with seeing as thisndebt was sold illegally AFTER discharged in that said bankruptcy. This is ridiculous.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (MN)

Concord Financial - shows serious delinquency on credit report, but last reported information was in 2016. Account was closed and this is verifiable by the balance owed showing as XXXX on the credit report.
Consumer complaint received 2019-03-18
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. (NC)

On XX/XX/XXXX, I sent a request to XXXX, Experian, and XXXX XXXX to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.
Consumer complaint received 2018-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (LA)

my car was taken while I was in the hospital but payments were auto pay. the company were afraid a tow company would take title for storage. so basically they forced the repossession, on a car that was up to date on payments
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX  accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.
Consumer complaint received 2018-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. 

Doing a follow up with the complaint ID on file XXXX
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

did a wire transfer from Bank of America XXXX to XXXX XXXX. XXXX. 
its been two weeks and recipient still does not have the money credited to their account. 
Contacted Bank of America Wireroom to track it. it turns out the funds were held up for a week at an intermediate bank, XXXX finally released to XXXX. I contacted Bank of America Disputes department an asked for the transaction to be cancelled. He told me once the money reaches the other bank, they can only request the money back, and that doesn't always work. it's unbelievable that these banks can do this with my money and I basically have no recourse
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Nationstar LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Called Mr Cooper to get an update, as our negotiator has stopped communicating with us in XXXX he has not responded in XXXX to any of our requests in over two weeks. I ended up speaking with XXXX XXXX. He was extremely rude and combative. Continually interrupted me, and refused to send me to a supervisor. He said there were no updates if there was nothing in XXXX. I told him the negotiator is not responding in XXXX and we need an update on the file, and if he cant get an update for me then I need to speak to a supervisor. He then grew extremely frustrated with me, told me that the negotiators workload has just INCREASED AGAIN WITH NO ADDITONAL HIRING TO COMPSENSATE FOR THIS, that there were no updates, there was nothing he could do, and refused to send me to a supervisor. He then stated ITS NORMAL FOR A SHORT SALE TO NOT BE WORKED ON IN OVER TWO WEEKS. I explained to him that I could her the frustration level in his voice and stated that no response in two weeks is not acceptable, and I needed an update, if he can not help me then I need a supervisor. Apparently telling him I could hear his frustration level in his voice triggered an extremely combative emotional state for XXXX XXXX. XXXX XXXX became extremely combative, contined to interrupt me, refused to let me finish speaking. 

Neither XXXX XXXX nor Nationstars behavior is acceptable. I want XXXX to received additional training, as it is apparent he does not know how to control his emotions when he is at work. His representation of Nationstar is antagonistic, defensive and extremely resentful when speaking to people on the phone. The understaffing issues started over a year ago when Nationstar shut down their Arizona facility. Nationstar has done NOTHING to fix these issues. It is apparent that Nationstar has created a hostile working environment and does not have the staffing to continue their servicing obligations. 

I want Nationstar fined the maximum of $ XXXX due to their inability to fulfill their servicing obligations.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK (OK)

On XX/XX/2019 I opened an account with Commerce Bank for the expressed purpose of earning {$300.00} for signing up and completing requirements posted at : https : //commercebank.comXXXX. When I approached the teller, she inquired what I was at the bank for and I told her I was there to open the account for the purpose of earning the {$300.00} promotional offer. After the teller took my information and a check for {$5000.00}, she then opened a checking account in my name and the teller stated then stated the bank would not be able to extend the promotional offer to me. After asking why I would not be able to receive a publicly posted offer, the teller and branch manager stated the offer was only for " certain targeted customers '', this statement was repeated to me upon contacting the corporate office. The teller and manager stated that they had successfully opened a checking account in my name, but the promotion would not be extended to me. The teller and manager could offer no information why I would be ineligible for an offer posted on the bank 's website. I closed the account upon notice that my account would not be eligible. I believe I have been discriminated against without legitimate reason and without specific cause offered by Commerce Bank. 

Additionally, the head office was contacted and the representative did not believe there was an issue to address. I attempted to use the bank 's online links to sign up for an account, these links do not work ( shown in video attachment ), the bank was informed of the website links and the representative stated the site was functioning properly.
Consumer complaint received 2018-02-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I wanted to payoff loan and showed balance of XXXX. I went to the local store to payoff and they were charging me over {$100.00} more than the balance owed. I called the following day to corporate office and still had to pay over {$100.00} to close the account but was still less than what the local office was charging and it was said to me if they wouldve closed it the day i had gone the local office the interest wouldve been even less to payoff. Ive been paying this loan for over 4 yrs and have been called to renew several times after I said no! Ive been getting calls to renew and take home {$1500.00} but as I looked back I would have to pay more than triple that amount. They make nearly impossible to payoff and close account.
Consumer complaint received 2021-02-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prime Recovery LLC (CT)

For the past 2 weeks, consistently, Prime Recovery LLC has been calling and texting my father incessantly. I went on to their website to confirm my contact information with them and requested that they remove any other numbers or contacts associated with my file and to stop harassing my family and friends and it has not stopped.
Consumer complaint received 2022-05-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX and SANTANDER are two auto loans that need to be removed from my credit report. I do not owe on these accounts. Santander was a part of a class action lawsuit that I was a participant of, and should have been removed from my credit report last year.
Consumer complaint received 2019-03-18
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: Navient Solutions, LLC. (AZ)

I checked my credit report and found some inaccurate fraudulent information regarding this company. The address that is associate with this account I never lived there and the dates that these loans were taken out, I was not in school!
Consumer complaint received 2018-02-15
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: EQUIFAX, INC. (FL)

The following inquiries are unknown to me and I do not recognize them or authorize them. I was a victim of identity theft and I do think this was all done while that was going on. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX ( XXXX ) Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2019-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently asked my cousin to take me off as an authorized user on his XXXX XXXX card. All was fine until I recently got an update on my credit karma showing creditor companies saying I am still on the account. I called XXXX XXXX as Did my cousin and XXXX XXXX had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.
Consumer complaint received 2020-06-03
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: U.S. BANCORP (CA)

I contacted USBANK Customer service in mid XXXX, i informed them that I am a XXXX  and impacted by Covid. They said we will give you 2 month deferal and then work with you after if needed to lower payments, etc once they have those plans if any in place. In XXXX i get aggresive collection calls, abusive, telling me, they don't care that covid exists and i am behind two months now, and will ruin my credit unless i make huge payments.They said they don't care about any arrangements made, they don't see it on their end. I paid over XXXX dollars on two credit cards to prevent this when i had no money for other living expenses due to covid. they charged and failed to waive late fees and large interest charges on two of my accounts. I emailed the VP and the local branch, he had his assistant make a few emails and he told me the same thing, pay up get caught up then you can ask for help, well that defeats the purpose. i told him i can't have my credit impacted, he said thats not his job, or worry. I have all the emails, when i said i will complain they stopped responding.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MD)

On Sunday XX/XX/XXXX, I received a noticed from Venmo saying my account was froze due to {$1.00} not being in my balance for a transaction. It said I could pay it back to reinstate my account. I tried to pay it back and there was not a way to. I called Venmo and talked to a representative and they told me they needed to send it to a XXXX and I will get a response within 2-3 days. I called again XX/XX/XXXX and received the same response. So on XX/XX/XXXX I received an email describing why they froze it. And asked for me to respond saying yes they were allowed to withdraw the {$1.00} out of my account. I responded within minutes and gave them permission. The next day, {$1.00} was taken out of my account. I assumed this solved the issue but it has been a week extra from XX/XX/XXXX and they still have my account frozen. They dont want to release my money. I cant talk to anyone who knows whats going on.