davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (CA)

This is a totally phony attempt to collect a debt that does not exist. I see on the Internet that this company is known for scamming people by trying to collect on imaginary XXXX debts. Please prosecute them and put them out of the collection business.
Consumer complaint received 2024-02-25
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. (OH)

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (SC)

In XX/XX/2023, I received {$1900.00} from my renters to my personal phone number via Chime. 
I had to create a Chime account at this time. 

On XX/XX/XXXX my renters sent their rent ( {$1900.00} ) via Chime again to my personal phone number, even though they were told not to use Chime. 

Chime would not allow me to transfer these funds to my actual bank account because I had not activated the chime debit card that I have no plan to use and didn't want the extra exposure to fraud. 

At this point, I attempted to send the money to my work phone number. 
The app asked me to double check the number which I did. 

I never received a confirmation email / text to my personal side saying the money was sent or received. I also never received a text on my work number as I was instructed by the app. 

I waited about 10 minutes and refreshed the app since no messages were received. 
The app then showed that Chime had not sent the money to my phone number but to some other random person that I do not know and have not ever met. 

I immediately called into Chime and let them know what happened. They filed a dispute to return the money. They did verify on a recorded line that I sent the money to my work number, but that they transferred it to this person because they had used this number in the past with their account but that they have changed their number. 

I called multiple times during this time and then they turned down my claim. 
I called in and they opened a rebuttal. 
I sent all of the details again through email. 

They denied this rebuttal but gave no reason why on XX/XX/2023, even though they have admitted to sending the money to wrong person. 

I called in on XX/XX/2023 and they opened another rebuttal, but said that they were not confident that this would change anything. 

They keep saying it could take up to 45 calendar days to be decisioned and they reset this clock every time they make a change. They also said if a decision wasn't made by 10 business days then a temporary credit could be applied, but this time is reset every time as well.
Consumer complaint received 2016-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (AL)

XXXX keep has been reporting a past due people for the past 3 years. When the 7 year reporting comes up they transfer it to a collection agency so it can remain for another 7 years. This is double reporting, and i do n't think its fair that if XXXX has been reporting the same thing for a view years on my credit report, and they transfer it to a collection agency to reporting again.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (GA)

I received a call today for the first time about a very old debt that Im not sure of. The Company is XXXX, XXXX XXXX XXXX. The lady claimed I had a charge off from Wachovia bank back in XXXX. I dont recall what this is and now shes saying if I did not agree with paying the full amount today or giving them info to remove money from my account on today, I would be placed in the check system and accounts would be frozen.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TD BANK US HOLDING COMPANY (PA)

I spoke to a lady in the mortgage dept. yesterday. She said they put money in an escrow account. I do not have and never had an escrow account. Furthermore I have not been late for the dates that she claims. You can not get a late fee unless payment is made after XX/XX/XXXX. XXXX/XXXX/XXXX I made XXXX XXXX payment. then XXXX/XXXX/XXXX i made XXXX XXXX payment, XXXX/XXXX/XXXX I made XXXX XXXX XXXX payment, then XXXX/XXXX/XXXX I made XXXX XXXX payment, then XXXX/XXXX/XXXX I made Mat XXXX payment, then XXXX/XXXX/XXXX i made XXXX XXXX payment and XXXX/XXXX/XXXX I made XXXX XXXX payment. I was only late XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I made during that time & paid additional late fees XXXX/XXXX/XXXX. So I may have over paid you. Now they may owe me. I am paid up & owe them nothing. I have been calling them, messaging then & going to the branch for XXXX months about the same thing. I paid them all that I owe & may have paid more they still claim I owe. Every time I speak to someone they hang up, someone suppose to call back or they are going to research the matter. Nothing ever happens. What they are doing is unethical or someone is very incompetent & do not know how to apply the payments I made correctly. I need your help this is a serious matter. I am XXXX & can not keep going through this. If I am not mistaken I asked for your help also no reply. This is unacceptable.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CT)

I am in the process of trying to get a mortgage for a new home, I sent a letter out to Equifax like 45 days and I still have n't heard anything back from them! I really need to be moving, and it 's frustrating sitting around and waiting to hear from them. I addressed my main concerns in the letter I attached for you!
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I applied to a captial one XXXX card. On the application website ( http : //www.capitalone.com/credit-cards/quicksilver/ ) it clearly stated that it 's a XXXX signature card. When I got the card it turned out to be a XXXX platinum card. I called capital one asking why, and I got the answer that not all capital one comes with XXXX signature. I could n't find this information anywhere on the application website, so itself seems to be a fraud to me, but ok I accept that. I then asked if I can upgrade to a XXXX signature card. They said I might be able to but I need to meet a certain requirements, but they neither would let me know what the requirements are nor would let me know if I am qualified for it. How should I upgrade to a XXXX signature card if I do n't even know whether I meet the requirement? And why I got a non-signature card in the first place if the requirement is non-transparent?
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Deposited my payroll check on XXXX XXXX. Funds were placed on hold until XXXX XXXX ; checked account on Friday, XXXX XXXX and saw that an additional hold was placed on my check until the following Friday. Contacted Bank of America and was told they could not do anything ; I was not informed of the hold ahead of time, and I scheduled payments for Monday, XXXX XXXX, which have subsequently been returned, and drawn my account further in overdraft.
Consumer complaint received 2019-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Information on my credit are inaccurate since XX/XX/XXXX regarding loan and payments. Took a break from school in XX/XX/XXXX and already receiving " payment due '' notifications through email.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XX/XX/2023 XXXX I recently received a copy of my credit report and dont recall authorizing these below listed inquiries. Please remove these inquiries from my credit report immediately. If you find the inquiries referenced above to be valid, please send me a documentation showing that I indeed did authorize these inquiries or please delete. 



If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm Offer of Credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible and I am requesting them to be deleted : Inquiries, dispute_instruction XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-04
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: AMERICAN EXPRESS COMPANY (FL)

I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX  XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX  XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card.

TODAY, I discovered 2 hard inquiries on my XXXX report from American Express and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. 

On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX  made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. 

I attempted to access my XXXX report, but I was unable to make an account. It appears the scammer made a fake account with XXXX under my name, as they used an old email and I discovered an email in my inbox welcoming me to XXXX. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact XXXX, but they have nobody answering any lines over the weekend. 

I need a case number reference this incident and I also would like to list a complaint that XXXX has zero weekend support while the other two Bureaus at least have customer service. 

My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly appreciated.
Consumer complaint received 2016-06-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Camelot Financial Services, Inc. (OK)

this company called and left private personal messages on my voicemail and also my friends and family. Now today I have been served papers for small claims court. I already filed a complaint and they stated that account was charged off. I want this to be taken care of so that I do not have t pay anything. They violated the FDCPA law by the messages they left.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I began a refinance with Wells Fargo in XXXX, XXXX. Wells Fargo has my current mortgage which began in XXXX on the same property. 
So I am XXXX months into this process with no end in sight. Wells Fargo has asked me for repetitive information ( up to XXXX requests for same items to be sent XXXX times ) via their web downloading. 
The process is well beyond reason now. Today I was asked to explain why my credit was checked several times in XXXX. I have no other credit apps in process now or in past year except a XXXX card.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (WI)

On XX/XX/XXXX I pulled my Equifax Credit Report and noticed an account XXXX Account # XXXX on my report. On XX/XX/XXXX I disputed the information, XXXX Account # XXXX by sending a certified letter ( see attached ). I pulled my report several times after and the item was removed as evidenced in reports dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a credit alert and when I pulled my credit on XX/XX/XXXX discovered that Equifax had reinserted the debt! I was quite alarmed. This is a violation o the FDCRA and I need your help. Please know that I filed a similar complaint with you on XX/XX/XXXX Case Number:XXXX as Equifax did the same thing to me once before and they immediately deleted it. Clearly, they are willfully and maliciously sabotaging my credit report. I am asking that you to please help me. Please see all the attached proof.
Consumer complaint received 2021-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AVANTE (GA)

On XX/XX/2021 I got an alert on my credit report about a collection. The company is reporting a bill that I don't owe without writing me and informing me of the debt. I did not get the opportunity to dispute the debt with them due to them not following fcra rules. I am not obligated to deal with them and they are forcing me to by placing derogatory information on my credit report.
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I have never received monthly mortgage statements from SETERUS, Inc. SETERUS XXXX Inc. began servicing my mortgage in XXXX XXXX. I requested monthly mortgage statements via telephone in XXXX XXXX. I was told to make a written request to SETERUS. On or about XXXX XXXX, XXXX, I mailed a written request to SETERUS, Inc asking for monthly mortgage statements to be mailed to me and I requested an account payment history showing payments that I have made to SETERUS, inc. since they started servicing my mortgage. As of XXXX XXXX, XXXX, I have not received a payment history nor have I received a monthly mortgage statement as I previously requested in writing.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.
Consumer complaint received 2023-03-22
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. (PA)

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 XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 15 USC 1681 section 602 A states that I have the right to privacy 15USC 1681 section 504 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( A ) ( 5 ) section states : no consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 USC 1681 s 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 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I originally requested that my entire credit history be reported because certain items were removed that were causing my credit score to drop. Their response to my original complaint was totally noncommittal but when I received my credit report with score it showed that XXXX of the XXXX key factors that affected my credit score were that the age of accounts in my credit file were insufficient and that i had no account history of mortgages ( see attached ) However when I went to Equifax to make a dispute The first XXXX accounts that showed up were for a mortgage and a home equity line both of which were paid in full in 2008 and therefore do not meet the 10 year guideline that the other XXXX credit reporting agencies are hiding behind and in fact equifax states that the law requires them to remove derogatory credit but not beneficial credit after 10 years.
Consumer complaint received 2015-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (NJ)

I have been on the DNC list. 
I disconnected my services from XXXX XXXX. 
It took them a few month to get my final bill to me. 
When the bill of {$150.00} arrived I made a partial payment. 
The next bill arrived I did the same. 
I made another payment leaving my balance of {$100.00}. 
When my check of {$36.00} was enroute to XXXX the calls from XXXX started calling me eventhough I was making payments. 
They are relentless calling about 6 times a day. I told them I would report them to the FCC and they continued to call. Why XXXX submitted my account to them is beyond me when I was making monthly payments. This telephone number is not associated with any name, plus they started calling within the right time frame. It 's still disturbing especially since I am a senior citizen and have sleep issues as it is. Thank you
Consumer complaint received 2015-10-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (FL)

Several of my accounts as well as my information was compromised back a couple of years ago without my knowledge. By the time I realized what was going, the account was sold off to a third party collection agencies so therefore, the damage was already done. I reached out to Target Bank on several occasions trying to get information regarding the account so that I could determine it was truly my debt and all they replied with was that we no longer service this account. Therefore, I requested my credit report and contacted the collection agency XXXX XXXX requesting advising them that I believe this account had fraudulent activities on it prior to it being sold. I also asked them to provide me with copies of all activity including the transaction history so that I could review it. They stated they would provide it but I never heard back from them nor did I receive anything. I even tried reaching out to Target requesting to speak with someone in their fraud/resolution department and all they reply with is that you have the put the request in writing in which I already have but never received a response.
Consumer complaint received 2016-01-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I applied for a loan with HSBC Bank. The bank began processing the loan on XXXX XXXX, XXXX. In XXXX, an appraisal was conducted and because I was requesting a coop refinance, the coop questionnaire was completed by the coop in XXXX which delineates all the circumstances of the coop. XXXX XXXX I was issued a commitment. However, XXXX XXXX, XXXX HSBC rescinded the commitment stating the loan was declined because of the coop flip taxes. My complaint with the bank is the length of time it took the mortgage to process, almost 5 ( five ) months. But more importantly, the bank had the information in XXXX XXXX regarding the coop flip taxes as well as other essential information regarding the coop. If HSBC felt the coop did not qualify for the loan. I SHOULD HAVE BEEN DECLIENED IN XXXX OF XXXX not 3 months after the COMMITMENT was issued!!!! In that time the interest rates have increased as well as I could have went to another bank that would have accepted my coop flip taxes. I feel HSBC was egregious and grossly negligent in the time it took to process the mortgage, and I am angry that a commitment was issued and HSBC will not honor it!!! HSBC did not handle my loan professionally and I feel HSBC is a large bank and they do not care about the average consumer. I hope there is some recourse federally. Thank you