davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
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. (MO)

I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.
Consumer complaint received 2022-02-10
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}
Consumer complaint received 2020-04-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has mismanaged this PPP process and is only funding to those who they can benefit monetarily from. I have been a customer for 5 years, run a small business that moves millions through their systems annually, have an excellent credit score and applied within the first 3 minutes of the link going " live ''. I continue to get the same email daily ( see below ), stating that I am still in " process '' which is false. This institution is crooked and should be criminally held accountable for their misdoings to their customers. I want answers please. 



Wells Fargo Online Wed XX/XX/2020 XXXX XXXX  XXXX XXXX Wells Fargo wellsfargo.com Update on the Paycheck Protection Program We are doing everything we can to help our small business customers navigate this difficult and uncertain time. In that spirit, we want to keep you updated about your application for funding through the Paycheck Protection Program ( PPP ).

Wells Fargo continues to process PPP applications. Over the past week we have mobilized hundreds of Wells Fargo employees and launched new automation and technology to enable us to process more applications at a faster rate. 

You may have heard that the U.S. Small Business Administration ( SBA ) has run out of money to fund PPP loans, and we realize this may be causing you frustration and concern. Given the magnitude of the crisis the country is facing, we are hopeful that Congress will approve additional funds for the PPP. In anticipation of additional approved funds, Wells Fargo continues to prepare customers ' PPP loan applications to be ready for submission to the SBA if and when this occurs. Of course, our ability to fund additional amounts depends on Congress continuing the program and providing additional funds for PPP loans. What this means for you We continue to prepare your PPP loan
application for submission to the SBA based on the information you provided. 

What happens next We will continue to keep you updated on the status of your application by email. 

If you haven't done so already, please complete and return to us any documentation we've already requested from you. This will ensure your application is ready to submit to the SBA, as quickly as possible, if they start accepting applications again.

Since all applications are being handled online, our phone and branch bankers unfortunately will not be able to provide updates on the status of your application. 

These are truly unprecedented times that we know are impacting both you and your business, and we will continue to partner with you throughout this crisis. 
wellsfargo.com | Security Center Please do not reply to this automated email. 
XXXX
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Titan Receivables, Inc. (CA)

My credit report shows that there is an amount of {$3000.00} in collections from Titan Receivables original creditor XXXX XXXX XXXX on my credit report it states it was opened XX/XX/XXXX. That information is incorrect. On my credit report it doesn't show what the account or file number is. 

The account number I have is XXXX and that account was opened XX/XX/XXXX NOT XX/XX/XXXX
Consumer complaint received 2020-04-26
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE ADDITIONAL ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2019-03-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (KS)

I have 5 student loans through XXXX XXXX. My monthly payments just went from {$150.00} a month to {$850.00} a month because they came out of deferment. I am a XXXX and I can not afford to pay {$850.00} a month. I tried to refinance my loans to be income based with several other lenders, but I didn't quality for any of them because my credit score is too low. I then called XXXX XXXX to ask them to put me on income based payments. They said they don't do that because they are private loans, but that they could put me on graduated interest payments for 12 months. That only lowered my monthly payment by {$170.00}. When I asked what other options they had for me, the only thing they offered was to move my payment for this month to the end of my loans, but the interest will still add up. So, basically they're offering me one month to somehow find a way to afford this huge monthly payment. There is no way I can afford that, and if I can't make the payments, my credit score is going to go down, and I am trying to increase my credit score.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: RENASANT CORPORATION (MS)

Had some things sit up on auto pay such as car payment, life insurane, phone bill etc.This was in XX/XX/2016 car payment XXXX, car insurance XXXX, phone bill XXXX something don't no about life insurance asked the XXXX XXXX branch for that information because that card had got canceled and was told some checks had come back and I no that shouldn't happened cause it was money to cover it so what's really going on .I need some information on paper to support what's being told to me.
Consumer complaint received 2020-09-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC (FL)

In XXXX of 2017 I reached out to American Credit Acceptance in attempt to resolve the matter of a late car payment. My car payments have always been on time. My car was stolen and I was unable to locate the car and made the company aware and they did not care they kept trying to seek payment on a vehicle I did not have and threatened to report payment history to credit bureau and threatened to take me to court. Again I told them the car was stolen, whoever stole it got it towed and the car had vehicle damage in which it was still covered under the GAP insurance so it was covered. This was made known to the car company and still they sought payment. We agreed on an amount and i paid them settlement offer and they still refuse to remove from my credit report and close account. It is unfair, I was a victim of car theft and identity theft!
Consumer complaint received 2020-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (MD)

I sent {$220.00} to a recipient in XXXX on XX/XX/XXXX. They sent an email saying my recipient was going to receive the money within a few minutes. As I write this complaint, they have not been able to pay this amount on the pretext that their partner in XXXX has not resolved the problem. I have made at least 8 phone calls to follow up but this issue has continued pending. 

I requested them to cancel the transaction and refund me, but they have refused. 

I do not have any logical recourse as at now. Also, this was a time sensitive payment which has resulted in irreparable losses. I therefore seek your help in rectifying this problem.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. ()

I joined Paxful to transfer my remaining bitcoin from XXXX to cash out and one of their users who was using the name XXXX was using their platform agreed to give me real cash in exchange for the Bitcoin I had but he has not released my funds to the detriment of my finances. 

This is a totally serious issue as that was my remaining Bitcoin after the horrible ordeal I had encountered with other scammers. The Bitcoin I transferred to XXXX  was equivalent to XXXX AUD, this has taken a toll on me and I just want to get my money back. I am getting broke and I do not know which website is ok and why this all is happening everywhere.
Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Equitable Acceptance Corp (CO)

On XX/XX/XXXX I received you product, on XX/XX/XXXX I sent in the Cancellation Notice via US mail. I also sent an email to the finance company to let them know the Cancellation Notice was sent as well on XX/XX/XXXX. I tried calling the number on the notice XXXX as well as XXXX but these numbers just rang and rang. I emailed the office as well on the XXXX day since I heard nothing from anyone, I finally got a response but just to be told there was nothing they could do. 
I even sent a letter to XXXX 's corporate office and have not heard anything back. 
Attached please find the correspondence. I do not want this contract and did everything I was supposed to do per the contract. 
Thank you
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Hello, Back in early XX/XX/2015 I had a bank account with XXXX XXXX  XXXX. I was asked by someone i knew to deposit into my account via ATM a money order for {$200.00} and give them the cash. Unfortunately, i did. I thought because it was a legal looking money order that all was fine. I deposited it, gave her the cash and have found out that it was no good and she scammed me. Not only me, but 3-5 other people and she was caught/arrested. I currently though have a fraud activity on ChexSystems and its causing me major problems. Can you advise or help me on how to get this off my report? I am a victim of trusting someone and am really devastated that this is making ME look like the criminal. Please Help..TY
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

My mortgage loan was transferred to Chase mortgage in XXXX of XXXX. At that time my PITI was {$590.00} per month. I was notified in XX/XX/XXXX that my new PITI was going to be {$730.00}. After several phone calls they stated my increase was due to a shortage in escrow, that would now include flood insurance. When we bought this home in XXXX of XXXX we not informed until after closing of escrow we needed flood insurance. At that time I purchased flood insurance out of escrow and have continued to pay out of escrow ever since. I have made several calls to Chase on XX/XX/XXXX spoke to a XXXX XXXX an account service manager also spoke to XXXX in their insurance department that this would be resolved. Also faxed copies of my policy on XX/XX/XXXX. Spoke again to XXXX on XX/XX/XXXX, that they are going to continue to escrow my flood insurance. I have never been late on my flood insurance payment, and I contacted FEMA and XXXX XXXX the do not require flood insurance to be paid in escrow. Seems to me I am being billed for something they are not paying in my escrow account.
Consumer complaint received 2023-04-07
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)

I have several inquiries on my equifax credit profile which I have only applied for credit once in the last year. I went to apply for a new credit card from my bank and was denied to inquires. I pulled my report and saw 19 inquiries. I filed several disputes via phone and online with equifax which they refuse to remove. I called the police as well and nothing has been done. This is not fair. These were fraudulently done, I now have security notice that to open any accounts the credit company must call me to verify if its me. This is such frustrating situation. Please help!
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I filed a dispute with Equifax, but now I can not access the results of the investigation since Equifax claims I need to call them to verify my identity. I have called them and requested they allow me online access to the results but they said they can not help me with that since they do not have a technical support department.
Consumer complaint received 2020-07-23
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please correct the information on my credit report Im not late on this account open sky. This account is closed. Please update everything and a positive way there a derogatory late marks on my credit report that should not be the ones in the green. You can just leave them if does does not reply once some accounts disregarded for each company, please update my statuses to green to paid. Thank you. The information thats is negative is not accurate.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This was not sent in error XXXX XXXX XXXX  consumer by law XXXX  XXXX XXXX XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have been trying to retrieve and dispute information from my Equifax report since XX/XX/2022. I have called and have gotten several poor excuse no one can point me in the direction of retrieving my information the last update on my credit from them was XX/XX/2022. I have no access to my file, I have applied for apartments and they too cant retrieve any information from my account! I spoke to a fraud representative who advised me that they would fix my account yet to no avail, my disputes are being ignored wrong addresses wrong accounts wrong names several accounts that I have flagged for fraud still nothing done! This is very troubling to not have access to your own report and XXXX need this addressed as soon as possible as Im attempting to move and no apartment can access my credit through Equifax! My information has been breached several times through the carelessness and lack of consumer assistance from Equifax! Their fraud department has been no help and I have lost many apartments due to their lack of providing correct information to these businesses!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) ( 4 ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I am the consumer and Equifax, XXXX and XXXX are the consumer reporting agencies. I as the consumer have the right to protect my private information and ensure that it is not being shared, which also aligns with 15 USC 1681 ( s-2 ) which states that 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. A person shall not furnish information relating to a consumer to any consumer reporting agency if he person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate I have contacted all 3 credit reporting agencies via certified mail on XX/XX/2023 about the reporting of the inaccurate information on my consumer report. No correspondence nor corrections has been received for either of the 3 credit reporting agencies. I have attached proof of my only mailable address to this complaint.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simpson Law Firm, P.A. (MS)

Simpson Law Firm, a law firm who I do not know anything about has placed a lien on my mortgage title. I am in the process of refinancing my mortgage. You see my wife passed away on XXXX XXXX. She was halfway into her bankruptcy before she lost the battle with XXXX XXXX. I found out while refinancing our home to take advantage of the equity that has accumulated to help pay for my children college expenses and home improvements that this law firm has a {$5000.00} lien on a debt they said that my wife owed. They arbitrarily listed this on a document to my mortgage banker. They included my name as the spouse. Now they are trying to say that I am responsible for the debt. No one has called or reached out to notify me of this circumstance in almost a year. Furthermore, how can they try to put a lien on my house title without notifying me. This is not right. Please advise. Thanks.
Consumer complaint received 2023-04-07
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.