davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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)

THIS IS RIDICULOUS!!! I don't know about this account! Why it is reflecting my credit report? I want validation on this account! I don't have any contract with this account. I will sue you for the stress you caused me!
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I need some help I have disputed a public record appearing on my credit file several times. This is inaccurate information against me. I have called the court house and nothing is listed under my information but this appears on my credit file. Please help resolve
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

I need some help I have disputed a public record appearing on my credit file several times. This is inaccurate information against me. I have called the court house and nothing is listed under my information but this appears on my credit file. Please help resolve
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a challenge to my Credit report in regards to XXXX Account # XXXX. I challenged the inaccuracy of the payment information from XXXX. The payment information is inconsistent, inaccurate, damaging to my file. I asked for them to conduct their investigation based on these inaccuracies, and delete the account if the information was found to be incorrect. On XX/XX/XXXX XXXX ( Confirmation # XXXX ) stated they found no discrepancies. 
The inaccuracy is clearly evident, and I do not believe they ; XXXX & the CRA ( XXXX ) conducted themselves with due diligence in their attention to these matters. 
The inaccurate info is as follows. From XX/XX/XXXX - XX/XX/XXXX shows 30/60/90 days late in logical progression. After XX/XX/XXXX is where the inaccuracy starts. On XX/XX/XXXX it shows 60 days late, then for XX/XX/XXXX it AGAIN shows 60 days late ( 90/60/60 ). Then it jumps to XXXX and the inaccuracies begin again in XX/XX/XXXX with 120 days late, then again 120 days late in XX/XX/XXXX, then 90 days late on XX/XX/XXXX ( 120/120/90 ). 
These are blatant inaccuracies and I request that this matter be investigated. XXXX XXXX XXXX has been furnishing inaccurate credit information to the Credit Reporting Agencies for several years, and possibly re-aging my account, long after the closure of the account. They are possibly achieving this by reporting payment information ( marking me as late til XXXX/XXXX ) even though the account was closed far earlier than this. For most of XXXX there is NO payment data at all. This in itself is misleading and deliberate on the part of XXXX XXXX XXXX. 
Also should a past due balance be showing on an account labelled as a charge off?
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (FL)

Repeat calls to my place of employment. 

On average 5 calls a day From XX/XX/XXXX - XX/XX/XXXX Asked them to not contact my employer, but they ignore my requests.
Consumer complaint received 2021-06-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION (CO)

I rarely write negative reviews. Truth be told I rarely write any reviews. The horrible experience I have had with this company must be documented. Late in XXXX of 2021 we contacted American Financing to refinance my home and take out a modest amount to complete a couple of projects on the house. We chose this company due to a positive experience with them in the past. Both my wife and I have excellent credit. My income is more than adequate to cover the loan, and the loan to value for the home would be about 60 %. We completed the pre application questionnaire by phone, explaining that we wanted a VA cash out refinance loan. The first loan papers we saw a couple of weeks later were for a conventional loan. When we pointed this out, the loan officer tried to talk us out of taking a VA loan. This began a long period of continual disregard from our loan officer, and delays from American Financing. The rates increased and we were not able to get the lower VA rate we originally tried for. We finally locked in at a rate .3 % higher than when we began the process. When American Financing requested documents, we always provided them within 24 hours of the request, however they do not acknowledge them. We have had to resend several documents, usually by pulling them from their dashboard and forwarding them back to the loan officer. About three months into the process a new set of papers were sent over for us to sign. These papers had the wrong person listed as the veteran. We were told to sign them as presented and they would be fixed on the back end. For the last 6 weeks we have been getting a weekly " progress '' call from someone in the office, saying things like, the loan is on track, they are lighting a fire under the managers to get it going, any day now, and other platitudes, but no actual progress. In the mean time all work quotes I have for the projects I need done have expired, the cost of materials is skyrocketing, and my loan has been in limbo for close to six months. I need American Financing Corporation to do the job I am paying them for and close this loan. In reviewing XXXX  and other consumer forums, this is a pattern of behavior they have been engaging in that is detrimental to their customers. They do not move forward on these loans unless a complaint is filed.
Consumer complaint received 2018-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (AR)

On XX/XX/2018 I submitted {$5000.00} as payoff on one of my daughter 's student loans. In the process of submitting the payment, their website locked up. I re-entered the information and submitted again. On the second submission, I received a confirmation number. The next morning I checked my bank statement and realized the money come out of my account twice. 

I contacted Sallie Mae immediately and they confirmed that they received the payment twice and I had a credit balance of {$5000.00}. They informed me that I needed to email them proof that the money had come out of my account twice and to explain what happened. I did so immediately. They informed me they would expedite the request since it was such a large amount. 

I waited a few days and still had not received my money back. I called Sallie Mae again for a second time and they informed me that it could be 7-10 business days before I got my money back which would have been Thursday, XX/XX/XXXX. I waited until Friday, XX/XX/XXXX and called them back for the third time. I went through the whole process again. She again, for the third time, confirmed they had my money and yes it was due to me ; however, 10 business days would be Tuesday,XX/XX/XXXX.

I still do not have the {$5000.00} in my account and it has caused a financial hardship on me. I know in the banking world, they have 48 hours to credit your money back. Why is Sallie Mae allowed to keep my money for 14 days and still counting? Who regulates them? Is this legal?
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

Medicredit has violated HIPAA they sent me a letter saying that i owe x amount I DID NOT SIGN A HIPAA FORM AUTHORIZING THEM TO ACCESS MY MEDICAL RECORDS.

At this time i want to inform that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security or Breach Notification Rules i do not recall giving permission to release my medical information to a third party. 
The Medicredit has sent me a bill of a printed page showing unknown bills, thats not the original paperwork i dont know why they sent a third party to access to my medical records but i sent a Certified letter twice asking them for a validation letter, once they sent me the mail it was sent by printed documents
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Dispute Case : XXXX Case : XXXX Response : On XX/XX/XXXX, due to a glitch in the app I was using ( XXXX ), two hotel reservations were processed that I did not intend to make. The first hotel reservation charge was for {$190.00} for XX/XX/XXXX, and the second reservation charge was for {$390.00} for XX/XX/XXXX. 

I initially attempted to contact XXXX directly to cancel these reservations as I had not authorized them, but unfortunately, they did not have a customer service line. 

I then proceeded to contact both hotels where the reservations were done to attempt to cancel the reservations but was told that they could not do anything about the situation and to contact the third-party app. 

After not being able to cancel the pending charges, I contacted Capital One on XX/XX/XXXX to block these transactions as I never gave authorization and/or permission for the reservations. Capital One stated that I should let the transactions be processed instead of blocking them and that I could call again after and submit a dispute. The disputed transactions were processed on XX/XX/XXXX. On XX/XX/XXXX I submitted a dispute with Capital One and was given provisional credit for the total of the 2 transactions ( {$590.00} ). 

On XX/XX/XXXX, I received a letter stating that the provisional credit had been reversed stating that the merchant had sent documents showing their cancellation policy and I was asked to show proof of my attempts to cancel these reservations., I immediately contacted Capital One via phone and explained that I had no evidence of my attempts to cancel the reservations based on the facts as stated above. The customer service rep. did acknowledge that their records did show that I called on the XXXX and corroborated that I was told to let the transactions be processed and then submit a dispute. I submitted my statement as evidence but was told it was not enough and Capital One closed my dispute and told me to resolve the issue with the merchant. Capital One should have blocked these transactions in the first place as I called before the reservation dates and they ended up both being no shows.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CA)

I have 2 accounts with PayPal and have learned that if I practice my Constitutional right of free speech on my personal social media, they will charge me {$2500.00} each time. This is a felony offense and I demand that theyre immediately investigated.
Consumer complaint received 2022-04-29
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. (MI)

Hi I am submitting this XXXX XXXX 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 719XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (GA)

I graduated high school in 2012, and I was in search for a job. I found a summer job on XXXX before, and worked there for quite some time. ( XXXX XXXX XXXX XXXX ) I figured I could find another job in addition to my current job on XXXX again. I was contacted by a family on XXXX who had a child who was wheel-chair bound. I corresponded with the family for a few days in regards to employment as a nanny for the family. I was told that they were moving from another state, to the current state I am in. They needed help with the child while moving. The family told me they bought a new wheel chair for the child and needed it to be picked up and already home by the time they got in. The story the family told me made sense, and are the regular duties a family would ask a nanny. Once I received the check, which was sent over-night, I was instructed to cash it, then send the money to the child 's wheel chair makers for payment, and delivery of the chair. I had an account with PNC bank. I had a particular bank I would always go to. PNC Bank XXXX XXXX XXXX, Ga XXXX. Before I cashed the check, I went to PNC, and asked a teller I was familiar with about the check I received from the family. I told the teller the back story, and asked if he could determine if it was a fraud check or not. He instructed me that a determination of a fraudulent could not be made by looking at it. The only way I would know is if I placed the check in my account, and the money from the sender did not cover the amount on written on the check. 

I contacted by the family again with arrival dates and times. I figured it was legit because I we set up a meeting place, etc. I can not recall the exact amount the check was for, but it was less then 5,000. The next day I went back to the PNC to cash the check. The check cleared a few days later, and a few more days later I was contacted by PNC that my account was shut down because of fraudulent activity. I called and explained to PNC that I had no idea, and that I'm a nanny that was looking for a job. I was told by the fraud department that it was a man named XXXX XXXX. The check was written from a closed account. I was told I had to pay the money back that my account went negative for. I told them the money went to another account via XXXX XXXX XXXX. ( The wheel chair makers account ) I am now XXXX, and this still haunts me. I can not open a personal bank account due to a scammer. I was young and XXXX, but also a target, because the scammers constructed a plan based on my resume on XXXX.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Im not sure this is an issue you can help with or if it is too late. We banked with Wells Fargo in 2013. We were always charged fees that made no sense and never received an actual resolution. We werent allowed to access our funds at times. We were always told that it was in our best interest to keep our account numbers up. Not even sure what that meant. We left Wells Fargo when it seemed we were losing money to the bank. It was out of control. I was recently told to reach out to you with this information. Thank you for your time.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I received a check from a record label I'd done some music for. The check totalled {$7000.00} dollars. Citizens bank employee XXXX XXXX was very polite and helpful when opening the account saying that five to seven business days were needed for the account to clear. I assured her that I would pay past overdraft fees from past accounts and looked forward to continuing to bank there as it is located in my neighborhood. This took place at the end of XX/XX/2017. After five business days I was told that the funds were not available and unable to get a pin number for my new atm card meaning no check and the inability to deposit my payroll checks from my job as well. I went to discuss with tellers early one morning only to be dismissed by a woman named XXXX the acting bank manager. She said the check was bad and had not been cleared. When I talked to the person that issued the check, XXXX XXXX XXXX, their bank, had generated the check electronically with an electronic signature via XXXX XXXX. After meeting with XXXX no one would explain how we could solve the issue. She was unwilling to explain what " discrepancies '' were found in the way the check was issued. This has ruined my XXXX season and the ideas I had for moving forward as an aspiring musician. They now claim the check will be returned in XX/XX/XXXX to the issuer. I simply can't believe they would steal my money. If they didn't want to open the account I would gladly gone to another bank.
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

This is follow up. Wells Fargo executive called me and he promised he would return my calls and send my mortgage file over three weeks ago. He has refused to return calls or to provide me with my information. I have a recording if this.

He further agreed that I would receive compensation as I was not given a modification, was dual tracked, given 42 agents and no notice and other abuses.

I WANT TO BE COMPENSATED FOR LOSS OF XXXX in equity and other horrific damages. 

They lie and continue to stonewall and lie. 

Please do your job and enforce the order by the judge. My life was destroyed. This is little enough justice make them pay as I am owed compensation for their scams.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I find it dissatisfying would like it to be taken care of.
Consumer complaint received 2023-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (PA)

For the last 5 days I've been trying to transfer my money from Paypal to my XXXX card and it won't let me do it I have contacted PayPal about this on ever day and they keep saying give us 24 hrs well the 24 hrs turned into over 100 hrs and I just got off with the supervisor for the third time and he said the same thing again to wait 24 hrs I really need the money transfer but they are given me the run around thank you a god bless you the amount is XXXX
Consumer complaint received 2022-10-14
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: LEXISNEXIS (TX)

I am aggrieved and damaged due to the fact it is well over 90 days since I have notified XXXX to please investigate my credit report. Account # XXXX showing credit limit {$3000.00} past due {$80.00} is disputed ; On my XX/XX/2022 credit report lists account as : " Dispute Resolved '' I do not consent and I DISPUTE this account in its entirety! There was no thorough investigation, and XXXX is violating my Texas consumer rights and federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account # 51780593*** is violating 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 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.