davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX, vehicle priced {$24000.00}, financing manager pointed to {$11000.00} on paperwork and said this will be the amount of interest you will pay on your loan. However, it was the amount they added to the purchase price of which I later found out. Furthermore, before this I was told them XXXX XXXX XXXX had approved me of a loan for a new vehicle purchase of {$32000.00} at 4.2 %. The car salesman said that XXXX had turned down my loan. I was never shown the interest rate while at the dealership and assumed it would be the same as XXXX. The Wells Fargo loan, I was told was the only bank that would take me for a loan. I later checked with XXXX and was told XXXX XXXX never contacted them for a loan.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for ar purpose.
Consumer complaint received 2022-10-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Regarding mortgage loan acct. no. XXXX serviced by Wells Fargo/WF Home Mortgage .

This letter will serve as a response to Wells Fargos recent communication. We hope that the following statement ( among other we made in the past ) is crystal-clear. We believe to receive full advise and continue to pursue the next step to save the house. 

We learned about mistreatment we receive as well as tactics wrongly applied upon us and disinformation that brought us stress at an unbelievable forms, speed, and acceleration. 

We would like to be clear that we never inform to the mortgage loan servicer regarding the death of borrower. Because it is never true! Although it has been very confusing and we thought we were mindful - but at the same time - opened for honest assistance, not ignorance. 

We do not understand why Wells Fargo never work with us because we have been trying to work with them to protect the interest of the borrower as well as prevent the house from foreclosure as National Emergency continued, and mitigate further loss Since we accepted XXXX XXXX XXXX request in 2018 as he is not taking up the residence at the moment due to his private matter at a concern and would required to fulfill such personal obligation, we began shouldering all the obligations. 

We were unaware that COVID-19 would have resulted in a financialship upon us. In fact, at the time we took overmaking payments to mortgage, all the bills were current until the pandemic that brought our business down. 

We reached out to Wells Fargo to explain the situation and they knew it well. We do not expect to provide information so that it could be used to start disservicing the mortgage and attempt to inform us about disinformation by providing lack of transparency, limitation on options, ignoring the facts we presented, and undermined the platform and misinterpreted the terms. 

As of the day on this complaint, We do hereby clarify that XXXX XXXX XXXX XXXX is NOT deceased. We request to be confirmed successor in interest or SIMILAR that would allow us to be in the known so that we can continue to fulfill our obligation to save the house, protect the interest of all tenants in common, prevent eviction upon all occupants who residing in the house, and minimizing further damage financially, and utimately to prevent the house from foreclosure, reinstate the overdue, and remain current as it was if COVID-19 didnt occur and neither the borrower and we ever intend to sell the house or aware that the pandemic would take us down this far. Especially, we never ever expect the poor participation from the servicer who we trust and who we are advise to contact in order to work out the situation. 

We do NOT expect to have the party in position to assist us ended up giving us hard time and delaying the process. We do however sincerely ask to work with us honestly on this serious matter to resolve everything once and for all.
Consumer complaint received 2022-10-30
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)

On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine with a contract bearing my signature and the license number to collect in my state. By XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Equifax to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )
Consumer complaint received 2022-05-01
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. (TX)

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. 

XXXX. XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act US DEPT OF ED Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I received several emails on XX/XX/30 identifying a pending checking account application with Wells Fargo ( that is fraudulent ). I contacted their fraud department on XXXX and provided the application reference number ( and was even able to go online and pull up the application myself including all details ) and offered to provide any other details from the application. They informed me that there was nothing they could do to access or prevent the application from being approved and that they had no way to actually access the pending application ( notwithstanding that they have a public-facing portal that provides access to pending applications ).
Consumer complaint received 2022-10-30
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: LEXISNEXIS (NV)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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 2022-08-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NV)

I had my stimulus payment deposited in my NetSpend XXXX XXXX XXXX  account. I verified funds deposited at atm. {$1700.00}. I went to withdraw money a week later at the ATM and the balance was XXXX. I opened a dispute for the entire amount stolen. They ended up giving me {$1500.00}. back into my account. The missing {$230.00}. They kept as a fee for the dispute. My gripe is how can they charge me a fee to get money back from they're mistake. This is on my XX/XX/2022 transaction statement. There were no transaction 's done by me until after the account had been recredited the funds. The made a mistake and paid over a XXXX reoccurring charges without my card being used and without any authorization from me.
Consumer complaint received 2022-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NC)

Good Day, My student loan was recently transferred to Mohela from XXXX. 

I became unemployed XX/XX/XXXX and submitted proof for a financial deferment to be back dated to that date. ( Unemployment insurance document submitted ) Due to the pandemic and having more pressing matters, I was only able to contact Mohela after this transfer from XXXX had taken place. 

For 4 months, I have tried to get someone on the phone. If a customer has to call XXXX on different days and times and is not successful, there is obviously a problem at Mohela with customer service. 

I submitted my deferment online and it was denied without explanation other than 'out of time frame '. It is common sense to know this may be the case given the times we are living. Previous loan servicers have backdated with no issues. If Mohela will not answer phones, how is a customer supposed to take care of business with their student loans? I do not understand the correspondence being sent back to me and need a human touch instead of robot answers. 

Lastly, I am writing because I also called for information about my PSLF application and do not trust that it was submitted due to not being able to talk to a human to confirm. I could not get questions answered BEFORE I submitted so I could submit things properly. My account says it was submitted but my situation is complicated. The IRS states no transcripts are given past 10 years unless we submit special forms that could take 6 months to receive a reply and my employer closed. Given I worked for 3 different non-profits, I had to submit 3 different applications, not knowing what to do because Mohela never answers phones.
Consumer complaint received 2022-10-30
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. (IL)

Equifax failed to respond to my dispute letter of XX/XX/2022. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since Equifax received that letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all of my correspondence with Equifax. I have also mailed them detailed information about their failure to respond along with a copy of the original letter.
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

On XX/XX/2022, at XXXX XXXX  XXXX I received a text alert from Chime Bank that a withdrawal in the amount of {$220.00} was taken from my account from an ATM 5 miles away. Needless to say, I was quite surprised as my ATM card was in my wallet on my person at work, 5 miles away from the ATM. I immediately called Chime to alert them of the unauthorized withdrawal. I also filed a police report with the XXXX police department, and emailed a copy of that to Chime. 

It is now XX/XX/XXXX, and Chime has yet to resolve this issue.
Consumer complaint received 2022-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (OH)

National Recovery XXXX is attempting to collect a XXXX  invoice that I was never given, nor aware of. It is not my debt. The letter has Account # XXXX for the amount of {$6100.00} for XXXX. 
I was never given an invoice, nor aware of this debt. 
I have medical insurance and assistance.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Webcollex, LLC (TX)

I have contacted XXXX XXXX XXXX XXXX since XX/XX/2022 to have an account status corrected which is being reported as Open. This account was paid in full XX/XX/2022 account with XXXX XXXX XXXX, XXXX with account number ending in XXXX. Its still showing as paid collection Open
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/2022 my account was debited for three separate amounts {$17.00} {$9.00} and {$46.00} in XXXXXXXX XXXX. Meanwhile I live in XXXXXXXX XXXX  and have not traveled. I have advised this to Chime support and they have denied my dispute.
Consumer complaint received 2022-10-30
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: CITIBANK, N.A. (NY)

RE : Account Number XXXX Account Number XXXX Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


AMEX/CITIBANK , N.A. {$480.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$440.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$54000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio (MD)

This account was a included in my bankrupcy dated XX/XX/2016. It is showing on my credit report now as a new account, which I never applied for. I have advised the credit bureau of this many times and it remains on my report. I have no paper work to send on this account, because I did not apply for it. Please assist me in getting this off of my report.Thanking you in advance.
Consumer complaint received 2022-10-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (IN)

Moneylion is having some issue that will not allow me to login to my account. They are well aware and I have begged them for help. This account has helped me make ends meet. I needed access to my account. I am worried someone has hacked my account and I have called and emailed many times to get help. No one can help me. I just keep getting put off and told someone will contact me. This account is linked to my bank account. This is serious and no one will help me in a timely manner.
Consumer complaint received 2022-05-01
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. (GA)

15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : 1. US DEPT OF EDU XXXX XXXX.US DEPT OF EDU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : 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 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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 2022-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TN)

XX/XX/21 this year I check my Equifax and there was XXXX XXXX  debt from the same company and also the same balance. I have requested them to take it off my credit report because it's open. I have not done business with this company.
Consumer complaint received 2022-05-01
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 — Their investigation did not fix an error on your report
Company: V and H Portfolio (UT)

I filed three disputes with XXXX and was told they had investigated however I learned they don't investigate they just sent an email asking the reporting creditor to verify the reported information. All they require is a response saying it's correct. I have repeatedly contacteXXXX XXXX and the creditor and have sent proof the information was not accurate and it was removed then put right back on. A school loan that was discharged because of XXXX and two items I have no knowledge of and have never been supplied any information by the supposed creditor. I have asked for proof several times and received nothing. Why are credit reporting agencies allowing things to be added to a report based on someone's word and not real proof collection agencies are notorious for reporting false information Vance and Hoffman, XXXX XXXX and XXXX need to be investigated and corrected. 
XXXX XXXX is a preditory agency attempting to collect debts that they know are wrong. I had a secured card from first progress that the balance was paid by the security deposit and they are reporting an unpaid balance. Student loan was discharged and XXXX is showing XXXX XXXX XXXX twice even though it's obvious it's the same account and I have told them this repeatedly how can two places report the same account. XXXX should be required to investigate and get proof when disputed. They don't they just email and ask if it's correct never verifying anything
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A. (WI)

I had a HELOC loan with PNC bank which was paid in full and should have been closed on XX/XX/2021. It is still shown as active. This is adversely affecting my credit rating and my ability to secure a mortgage. I have called twice with no change in status on my credit report.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VA)

I keep receiving text message about my Lowe 's Credit card payment. I do not nor have i ever had a lowe 's credit card. 
XX/XX/2022 XXXXXXXX XXXX Text message states Synchrony Bank Payment Reminder. Pay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Msg rates may apply. To opt out reply STOP
Consumer complaint received 2022-10-30
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. (FL)

On XX/XX/2022 I wrote to Equifax, XXXX and XXXX. Requesting an investigation into items that I know is INNACCURATE. To this date, I have not received a reply or any acknowledgment that an investigation has begun. I feel like I am being look past and ignored.