davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I, XXXX XXXX, am a victim of identity theft and attached below is my XXXX Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX  my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the XXXX disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the XXXX. Per the Fair Credit Reporting Act, XXXX XXXX ( XXXX  ) ( XXXX ), it is plainly stated you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

As of this month my bank, Wells Fargo, changed their security features and the entire webpage format. Previously you were able to view your processed ( cashed ) checks online through your login account and save the images for your own records. The updated security feature now blanks out the account number and the entire signature on the front of the check which invalidates the ability to use it in a court of law as a legal document. You are now being asked to call the XXXX number to get a copy of the check which you are now assessed a fee for and you no longer have direct access to your information without the blocking of important details. This is supposedly done for security purposes, when it was accessible previously for years for free. This makes no sense, when you login in to their secure server to see your personal account information. This was only done to incur a charge for processing the copy and mailing it to you to make money. By altering my document without my permission and taking away my right to have free copies of the checks they have created a black mail situation. A check is a legal binding agreement once it goes through the bank. They have no right to alter the appearance of my check without my permission. That is fraud. All of my checking accounts have been affected in this way. I am very dissatisfied and want my checks to be free to copy as before.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (AL)

MY CURRENT ISSUE WAS NOT LISTED IN CHECK BOX. SEE BELOW. 
As I continue to research and telephone agencies to confirm information on website under legal. I have discovered that current mortgage servicer do not have license to operate in Alabama. Their website is misleading. I have requested for the company to provide proof of license to operate in the state where they are collecting. 

A complaint has been submitted to the State XXXX XXXX STATE BANKING DEPARTMENT regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized mortgage servicing activities in Alabama. 

This is being hardship on me as well as my family.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report, which contains negative items that are affecting my credit score. Specifically, I would like to dispute the following items : XXXX XXXX XXXX : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX XXXX, which I do not recall authorizing. As I am unsure of the legitimacy of this inquiry, I request that it be immediately removed from my credit report. 

XXXX Inquiry : On XX/XX/XXXX, an inquiry was made on my credit report by XXXX, which I do not remember authorizing. I suspect that this inquiry might be fraudulent, and therefore request that it be removed from my credit report immediately. 

Incorrect Personal Information : I have noticed that my credit report contains an error in my personal information. Specifically, my account number and previous address have been listed incorrectly as XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX. I request that this information be corrected as soon as possible. 

I would greatly appreciate your assistance in resolving these issues and improving my credit score. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

WELLS FARGO MOME MORTGAGE claims to have contacted me regarding additional information before acting on my original complaint ( Never heard from them via phone message, text, email, or letter ) and then closed the case without warning. SCAM artists that preyed on customers for years, including us. Scammers then, scammers still. Now they get away scot free. Isnt America wonderful?
Consumer complaint received 2015-04-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (TN)

XXXX XXXX, XXXX XXXX, and University XXXX XXXX, XXXX are misrepresenting zombie debt on my credit reports as well as attempting to collect debt that is outside of the Tennessee statute of limitations. According to a letter received from them " the accounts were brought current with the first payment due on XXXX/XXXX/2015 '' -- They are attempting to disguise and misrepresent this zombie debt as current and collectable in an attempt to collect a debt they are not legally entitled to.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (NJ)

I am trying to short sell my home, the buyer is getting ready to walk away because of Roundpoint 's procrastination! I need to get from under this home, I have a law firm helping me, and Roundpoint just keeps saying it 's being review, no one can be actually handling this?
Consumer complaint received 2016-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Performant Financial Corporation (MA)

Caller requested name, DOB, address, and SSN # before he would tell me why he was calling. He also asked for my wife 's demographic information. I asked for a callback number to verify him. He refused to provide a callback number. He then called my wife at her work number and attempted the same thing. Luckily her office assistant worked interference.
Consumer complaint received 2022-02-10
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: First Advantage LNS Inc. (TX)

I am a federally protected consumer, looking to resolve a matter in good faith. I am here with new evidence of this company not following regulatory obligations. As of XX/XX/2022 I am showing that National Credit Audit is still in violation of my rights by reporting derogatory, unfair, and inaccurate information. I am aware that National Credit Audit is a debt buyer, however, I have never gave them permission directly to furnish anything to my consumer report. I am also aware that history and transactions between a creditor and consumer are to be excluded from consumer reports and this company is furnishing transactional history between a creditor and I. This company is a XXXX
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Requested the following account ( XXXX XXXX XXXX XXXX ) be deleted from my credit report, and the Credit Reporting Agency has refused. XXXX XXXX XXXX has refused to verify this debt in writing as per FDCPA, despite my numerous written requests. I am attaching several copies of Certified Return Receipts sent to XXXX XXXX XXXX and XXXX XXXX XXXX ( acting on XXXX behalf ).
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXXXXXX XXXX Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2024-04-13
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. (TX)

I am writing to lodge a formal complaint against XXXX, XXXX, and Equifax for multiple violations of my federally protected consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, 1681i ( 5 ), and 1681s-2 ( A ) ( 1 ). 

I have previously contacted XXXX, XXXX, and Equifax to reinvestigate inaccuracies in the reporting of my account details. The accounts in question are as follows : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Despite my explicit requests for reinvestigation, all three agencies have concluded that the information was complete and accurate. This conclusion is impossible, given that the data concerning open dates, dates of last activity, among other details, are incorrect. This misreporting is a direct breach of 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must correct and update incomplete or inaccurate information.

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish information to a consumer reporting agency if they know, or should know, that the information is inaccurate. It is evident that this statutory requirement has been disregarded, thereby jeopardizing my right to privacy and confidentiality, as well as exposing me to potential financial and reputational harm.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX Bank Late PaymenXXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX Bank I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2016-07-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC. (PA)

Tuesday, XXXX XXXX, 2016. getting these calls at my place of work, contacting my supervisor ; XXXX ( FILE # XXXX ( XXXX XXXX XXXX ) ; not sure who this is ; they say they want tos serve me legal papers at work ; scaring me and my husband
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX 4 fraudulent checks were deposited to 2 of mine and my sons account,. On XX/XX/XXXX I went to the bank and spoke with XXXX about them, he suggested that the 2 accounts be restricted and because my social security just went into account he suggested to open a new account and to use the current debit card. He also said my sons account should not be affected. XX/XX/XXXX I  went to the bank to make deposit to pay my bills and found out all accounts had restrictions and I was being charged several fees. I spoke with XXXX and he called home office and spoke with XXXX and she told me I could no longer be one of their customers, I said ok, but if they were closing all accounts I wanted my money and she said no and XXXX said he could not do anything. Today XX/XX/XXXX my son and myself went to chase to officially close accounts and get our remaining money out, which for my son is {$640.00} and mine is {$800.00} they told us no that it would be mailed to us in about 10 days. Not exceptable.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I spoke to some one three days in the roll about my account from XXXX. They would not tell me about the account supposed been open by me. Yeah I did call back in 2019 an claim to send me a cards in the mail but I did not receive them at all. I did tell them my information was stolen when I lost my wallet. But they act like o was XXXX. Then the new account that was just open they closed it down some thing happen two years ago. But I told them they is wrong on there behalf. I have the never to tell me they could pull any one account an close it out. Like I told them this account or any others I have never had the chance to even but money in my cheack or saving in this new account an not even the last one before my wallet was lost. I can send you proof on what I have in my screenshot I took
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

I received a letter dated XXXX/XXXX/15 stating that my credit card with best buy would not renew. They then closed the available credit limit that was available o the card. They stated that my score was too low. On XXXX/XXXX/15, I then went online to pay on the card as I do every month, manually. I found that the company had already paid on my account for XXXX 2015. After looking further into the matter, I found that they had set my account up for recurring payments without my consent. I called the number as listed on the recurring payment made for the month and spoke with XXXX staff ID # XXXX who stated that I called back in XXXX and set up recurring payments. I then told him that I did not. I asked him why they had not been taking the payments if I called and set up recurring payments in XXXX. I further asked him why was I able to make payments manually every on the account if recurring payments had been set up since XXXX. I voiced my concerns about they could have messed up my checking account by taking unauthorized payments from my XXXX account without my consent or knowledge. He apologized and removed the recurring payment feature from my account. I then asked for a confirmation email on this activity of the removal of the recurring payments to which he refused and gave me his staff ID as a reference. I feel violated by their unethical practices. First, they close my card which made my credit score go down and then they took money from my checking account without my consent or knowledge.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In XXXX of XXXX I was contacted by phone and asked if they could count on my support AGAIN for the local police dept by purchasing an ad on a XXXX calander. This was routine and I gave em my Capital One card #. Come XXXX hadn't received it, waited til XX/XX/XXXX or XXXX started calling XXXX XXXX only to find the numbers weren't working anymore. I then called Capital One to dispute it. About 2 weeks later they asked for me to upload any receipts or documents about the case in which I had none and the gal I spoke to said to write it out on paper and upload that to a particular address. So I did plus I sent a previous year 's calander. A couple weeks later they closed the case saying I was past the 60 days to dispute it. So I called Capital One back and tried explaining it was protocol for them to take 4-5 months to sell the ads, design, print and distribute. I was told to call back and ask for a supervisor to reopen case. Frustrated, I went back on line searching for the merchants number, clicking links with BBB and so forth, I finally talked to a person and they claimed they never received payment, therefore no calander or advertisement. So I called and made contact with Supervisor XXXX XXXX, at Capital One whom not only called the merchant a liar, but myself as well, he made contradictions concerning the time limit for disputes ( 30 days, 60 days ) He wouldn't give me any information as to whom they paid the {$250.00} to, he said I must've called the wrong people. I asked to speak to his supervisor and he claimed to be " The supervisor '' when I asked if he had a boss, he said they don't take phone calls. He said the only thing for me to do was to file a complaint against the merchant.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MS)

The amount is incorrect the company kept the security deposit of {$2000.00} dollars and additionally said I owed them almost {$3000.00} dollars due to damages on a home left in excellent condition. There was not a write out or any receipts giving to me saying how I owed the amount requested and legally wear and tear does not count.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I called Equifax on XX/XX/2016 about credit inquires that were not authorized by me on my credit report. I was told by the representative that they do n't have to remove anything and that I should call each company. I also faxed a letter on XX/XX/2016 asking for the removal of such inquires. I did not give any of the companies authority or permission to pull my credit and inquire and no true credit was given to me. Equifax reps was very rude and disrespectful. I made multiple call attempts and faxes sent in multiple times hoping for change.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IA)

On XXXX/XXXX/15, I ordered and received a RV Vent Fan for replacement in my RV. The fan received was wrong model and was returned to seller XXXX/XXXX/15 whom then shipped the correct model that was received XXXX/XXXX/15. I paid Citibank {$250.00} on XXXX/XXXX/15 per my credit card statement for the purchase. The incorrect RV Fan Assy was returned via XXXX and confirmed. Fan project was completed. On XXXX/XXXX/15, a manager or supervisor shipped another RV Fan Assy with an apology email in reference to shipping the wrong model originally. Upon receiving the email, I made phone calls trying to stop their sending the product and exchanged emails about my disapproval. Seller said nothing they could do. I made it clear I did not want or request it. I also made it clear I did not want to be charged for it and I would refuse it. I was told I would be responsible for it regardless. This all is documented. Product was delivered in my absence and I called their sales office and again expressed my concerns. Sales person said they would immediately issue an XXXX Return Label to have it shipped back. After 8 days I had to remind them by phone and the following day, XXXX picked up item. The box was never opened. Seller never acknowledged return of product and billed my credit card {$250.00} for it. A trace on the XXXX return label showed it was delivered to seller and they signed for its return which I submitted to Citibank. The XXXX/XXXX/15 shipping is a result of shipping error by supplier after completion of previous order, same item. After 5 months of trying to resolve erroneous billing of {$250.00} for fan assy ( that I did not order and had been returned XXXX, Citibank finally accepted proof, which I submitted four times earlier showing seller received their product back. Citibank now claims I received 2 RV fan products and only returned XXXX according to their audit worksheet. My current statement shows " Dispute Resolved ''. I was never notified why or how the dispute was resolved. I would request updates but nothing ever came out of it except their Audit Worksheet couple days before I read dispute resolved in my statement. Couple days prior I had received Citibank " Audit Worksheet '' for my review which shows I owe for XXXX item of {$250.00} that never existed or even any paper work. I immediately sent them letter requesting their bases for their findings plus I again sent copies of proof on what was received from seller and returned to seller. I submitted again a complete breakdown showing debits and credits, all validated. They have not answered my requests on how they based their findings or what documentation they have. I have followed FTC rules closely in this matter and kept records of all transactions. That is more than I can say about Citibank N.A . or the seller. This is a total failure of this credit card company. I have had spent countless hours presenting documentation to them which they have ignored. Their statement of protecting the consumer is a SHAM!