davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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. (CA)

I've sent several letters over the past six months and there has been no change in my report. I am requesting that this is removed from my report. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  ACC XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX/XXXX  A XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX  XXXX-XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2021-05-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (GA)

Purchased a car in 2013. The car was stolen and vandalized. The insurance company total the vehicle out. I also had GAP insurance on top of my regular insurance. Whatever my regular insurance didn't pay for GAP took care of the rest. {$21000.00} total and a balance of {$11000.00} is still on my credit report and this is false. This account has been taken care of by the insurance company and closed.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to Experian and XXXX each month. 

I also sent a letter to XXXX and Experian notifying them that the information is inaccurate and requested that it be removed.
Consumer complaint received 2018-01-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: QC HOLDINGS INC (MO)

I was called today while at work and the recording told me if I did not respond to them i would have a warrant out for my arrest and legal action. this is for a debt from back in 2013 that I paid and the company I paid sold to another and they said they lost my records on it. Its for QC holding/ XXXX XXXX.
Consumer complaint received 2018-01-16
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. (TX)

Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$680000.00} XXXX XXXX - All tax liens have been withdrawn and should no longer be showing up on this credit report.
Consumer complaint received 2017-07-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oracle Financial Group LLC. (FL)

XXXX XXXX from oracle financial group called me stating someone had filed a complaint about me and telling me to verify my last four digit of my social without verification. I asked who he was calling from and that I was n't going to answer any questions they asked me. He told me no worries he was going to call my parents to give me the message and clicked. My dad received the call and he stated that he was an attorney and asked my father if he spoke English, immediately once my dad told him he did n't speak English, he told my dad to learn English or to get someone who speaks English. After that my husband called XXXX XXXX and try to get some information. My husband asked if he was calling from an attorneys office and he stated no. So why would he tell my dad he was an attorney. He also told my husband he was n't going to stop calling me that he was going to call everyday and harass me. I called them myself and spoke to a XXXX XXXX. I told him to send me verification about the deft and in the letter it is the wrong amount.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (CA)

Sequium Asset Solution LLC is in violation of account XXXX. XXXX is aware and has proof in attached label of the violations made by Sequium. Violations are US Code 1681s-2 ( 1 ) ( A ), 15 US Code 1692b ( 2 ), 15 US Code 1692c ( a ), 15 US Code 1692d ( 2 ) ( a ) and 15 US Code 1692c ( a ) ( 1 ). I am requesting account XXXX to be removed off my credit report with the three credit reporting agencies.
Consumer complaint received 2021-08-13
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: DISCOVER BANK (NC)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Had a customer purchase a product and pay through PayPal. Because of a tax levy notification back in XXXX they placed a hold on my account. This levy has been released since XXXX of XXXX. Paypal as refused to withdraw the hold they have on my account so I can access the funds from my customer. We have had multiple conversations with myself and the representative of the CDFTA notifying that there is no current levy. PayPal has refused to communicate back with me regarding this and keep saying they need letter from the CDFTA stating there is no more levy. Letters were submitted on XX/XX/XXXX and now it is XX/XX/XXXX and PayPal is stating letters still haven't been submitted. Every time I speak with PayPal I get different answers.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX I was diagnosed with XXXX  for the 2nd time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX Holiday.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (AZ)

Since XX/XX/2018, Sequium Asset Solutions , LLC received a collections file from XXXX XXXX   stating that I was past due. XXXX XXXX then received a call from me asking why. XXXX then explained and expressed their deepest apologies for the incorrect information. They " accidentally '' opened a second account in MY name!! XXXX, the Supervisor at XXXX   sent in a ticket, # XXXX, to Sequium Asset Solutions , LLC to immediately remove this item and No One has yet to respond. It has been well over 3 months now and still no results!! I have never lived in unit # XXXX, which is where they are reporting these lies. My apartment complex has also tried to reach Sequium to inform them I never lived their and no answer ... I am trying to buy a home and Sequium Asset Solutions , LLC has destroyed my chances and my credit, yet I nor XXXX  can get get them on the phone!!! I am pressing charges for breaking the Fair Credit Reporting Act ... But not even my lawyer can get them on the phone!!! Please help ...
Consumer complaint received 2017-12-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

***COPIES OF WRITTENEVIDENCE FOR THE COURTS ***INTENTIONAL VIOLATION OF THE RESPA BY NATIONSTAR, XXXX XXXX  AND XXXX XXXX*** ATTACHED IS THE EVIDENCE OF LOAN FRAUD*** HERE IS A COPY OF OUR PREVIOUS REQUEST IGNORED WHILE THEY TRIED TO STEAL OUR HOME USING FRAUD ~ XXXX**1. Allegations of Fraud, Criminal Activity, and Predatory Lending ~ In review of your correspondence provided to the CFPB, you claim that XXXX XXXX, XXXX, and Nationstar have defrauded you based on the evidence that a Wind Insurance Policy was not added to the Initial Application Documents, HUD-1, Escrow Disclosures or the Initial Payment. As such, you have requested that the loan be rescinded with any lien release documents, property rights, and Titles transferred back to you. XXXX ATTACHED IS NATIONSTAR CONFIRMING THE FRAUD IN WRITING ~ THIS CONFIRMATION OF THE FRAUD IS SIGNED BY THEM AND ON THEIR LETTERHEAD SO WE DO N'T NEED TO QUESTION THE SOURCE ~ THEY HAVE ALREADY ADMITTED GUILT *** WE HAVE ALSO ATTACHED THE ORIGINAL, FRAUDULENT LOAN PACKET WHICH MISLED THE ELDERLY CONSUMER*** IN THE FUTURE WE RECOMMEND THEY DON '' T BUY FRAUDULENT LOANS AND TERRORIZE CUSTOMERS. XXXXATTN XXXX ... IMPORTANT SIDE NOTE, THESE XXXX ALKWAYS THROW OUT THEIR FRAUDULENT RESPONSES BETWEEN XXXX AND XXXX XXXX ON A FRIDAY AND THEY NEVER PUT THE FRAUD IN WRITING, THEY PUT IT IN AN ATTACHMENT WITH THE HOPES THE CFPB AND ATTORNEY GENERAL DOES NOT LOOK FOR IT ... THEY HAVE ESCAPED UNTIL NOW. LOOK AT THEIR ATTACHEMENTS, THEY CONFIRM FRAUD EVERY DAY BUT SOMEHOW IT HAS ESCAPED PROSECUTION. XXXX IN THEIR XXXX XXXX EREPONSE TO ME FOR EXAMPLE THEY PUT THIS IN WRITING ~ " Under the Covenants section on page three ( 3 ) of the Mortgage, it states that all payments accepted and applied by Lender shall be applied in the following order of priority : ( a ) interest due under the Note ; ( b ) principal due under the Note '' AND PROCEEDED TO STEAL 2 HOUSE PAYMENTS WITHOUT PROPER CREDIT TO PRINCIPAL *** THEY CONFIRMED THEY HELD MY MONEY IN THEIR INTEREST BEARING ACCOUNT FOR 60DAYS ... TWICE IN 2017 ... IN WRITING*** ALSO INCLUDED IN THE ATTACHMENTS ARE THE CONFIRMATION OF EMBEZZLEMENT ... THEY STOLE {$1500.00} FROM ME JUST A WEEK AFTER MY XXXX YEAR OLD HUSBAND XXXX ... THIS WAS NO COINCIDENCE ... I HAVE HAD A MORTGAGE ON THIS HOME FOR DECADES AND THIS ONLY HAPPENED ONCE ... DURING MY MOST VULNERABLE TIME *** IF YOU HAVE ANY QUESTIONS ABOUT THE INTEGRITY OF THESE INDIVIDUALS I THINK STEALING CASH FROM A WIDOW AND MAKING HER HOMELESS SAYS IT ALL.
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Credit Control (CA)

On XX/XX/XXXX I contacted Continental credit control account number XXXX ( on credit report ) to request for them to remove the collection that shows on all my credit reports the amount being reported is {$480.00} for medical. I spoke with a XXXX XXXX and I asked for them to remove/delete item from all my credit reports advising them that its pasted the California law for statute of limitations as it has been over 4 years ( has been since XXXX ). Miss XXXX at that point informed me that she would do no such thing because they are not obligated to do this and that this limitation does not apply to them! She told me that they could still collect no matter what the statue of limitations is, but they can collect from me as long as they want. XXXX XXXX was very rude and unprofessional and demanded for me to pay if I wanted to get it taken off of my credit report. The California law needs to be in-forced for Continental Credit Control and to be accountable for their lack of negligence. 
I have also disputed with XXXX report number XXXX and XXXX dispute # XXXX they rejected both request to remove and stated was accurate which is incorrect due to the time period as the balance maybe correct but the negative medical credit report time frame is inaccurate.
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (FL)

On XXXX XXXX, 2017 I wrote to Central Financial Control letting them know that the reporting showing on my credit report is not accurate. I had to write again on XXXX XXXX asking them to validate the debt and provide me evidence that this debt belongs to me. They have failed to respond to either of my requests. I also wrote to the Credit Bureaus who were of no help.
Consumer complaint received 2017-10-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I reached out to Wells Fargo concerning my mortgage payment and asked for help in filing a Loan Modification. During the process Wells Fargo has given us 4 to 5 different Loan Modification Specialist and each time they lose paperwork, we 're having to start the process over again and requesting us to scan and fax papers over again. I believe this is one of Wells Fargo tactics to say they 're trying to help but only assigning us to different Loan Modification Specialist and will continue until we so far behind we have no other option but to file bankruptcy. I do n't believe Wells Fargo is trying to help us save our home. We have enough money coming in to keep the mortgage paid on automatic draft once a month due to my spouse military XXXX of 70 % and the military is working to increase her military compensation. Due to the weather and recent hurricane damage we needed time to make repairs on our home and reached out to Wells Fargo for help with this matter. Wells Fargo has open many Checking and Saving accounts in my name without my approval but ca n't help me with a Home Modification. I would like someone from Wells Fargo to truly devote their time to helping us save our home. 

XXXX and XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (LA)

Discover Bank uses unfair lending practices to deny credit to consumers. I applied for a debt consolidation loan on today and was instantly approved. After completing the application, authorizing them to complete the hard pull on my bureaus, and providing my account information for the accounts I planned to pay off, I was informed by the rep XXXX that my loan was declined. As a licensed lender, I was surprised that my loan application was declined since I have exceptional credit history and the means to repay the loan but the reason does not make sense from a lending standpoint. I am a victim of identity theft and have alerts on all of my bureaus that state whenever a credit inquiry is to be made on my SSN, I am to be contacted by phone ( at a number I have had for over 20 years ) for verification which I have never had any issues with until today. I was told that when my bureaus were pulled, my phone number is not reflected in the fraud alert ( which I know is there ) and that Discover is protecting me, the victim, by declining the loan. I have never heard of such a reason in all my years as a lender and there is no secondary procedure for a person who is a victim ; the rep also mentioned that Discover was having issues with the format of their reports that they received on the recorded line. I feel that Discover is using a bs excuse to unjustly deny credit to those who qualify according to their matrix and is horribly designed to promote prejudice for people who did not choose to be victims but chose on the other hand to protect themselves. I also personally called the bureaus to verify my alerts and the information listed within the statements only to be proved correct as I am very organized and aware when it comes to handling my credit.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well XXXX different open/close dates XXXX. Doesnt this go against the FCRA Laws?
Consumer complaint received 2021-08-13
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. (AZ)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS ( DUE TO COVID 60 ), I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 60DAY DEMAND XX/XX/2021
Consumer complaint received 2018-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

Good day, this is XXXX XXXX. I received an alert today from XXXX stating that Southwest Credit Systems has filed a Collection/Chargeoff on my credit files. I contacted Southwest Credit Systems and spolk with a lady named XXXX. She was very ruled and stated that she did not have me in her system but kept asking me for my Social Security Number. I never received any notice or infromation from this company letting me know that I have an outstanding bill. XXXX was threating me with filing a Court Case and stated that she will continue to keep this account on my files.
Consumer complaint received 2020-10-20
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. (GA)

XX/XX/XXXX XXXX  Opened XX/XX/2019 - {$510.00} Original creditor : XX/XX/XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$510.00} Highest Balance {$510.00} Opened XX/XX/2019 ( 10 mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original Creditor Name XX/XX/XXXX XXXX  XXXX
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CO)

Citibank has taken an opening deposit of XXXX on XX/XX/2020, a mobile deposit of XXXX on XX/XX/2020, and a Payroll direct deposit on XX/XX/2020 for XXXX, now they have blocked my account and wont allow me access to the account, i have called numerous times and recorded all my call and the rep told me since i was calling they are going to hold my funds for 60 days then close the account. I called the Executive Response Unit and XXXX the case manager told me if i filed any complaints they were not going to handle my problem and forward it to legal.
Consumer complaint received 2021-05-22
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: Klarna AB (IN)

Consumer Financial Protection BureauXXXX & KlarnaLetter of ComplaintNever Received Numerous Refunds ( # 1 ) XX/XX/XXXX Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services. 

I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds. 

Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time. 

My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them. 

I look forward to hearing from you very soon. I appreciate your time & attention to this matter. 

Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) XXXX XXXX ( CEO ) XXXX XXXX ( CEO Chairwoman ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ... 

XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX