davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
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. (SC)

I have a XXXX XXXX with a name that is similar to mines and social security number that is 1 number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " Alias. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in XXXX XXXX requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

I applied for a mortgage to refinance my current mortgage with XXXX  XXXX. They loan officer took my application and sent me the loan information and the rate locked. They locked me at a rate of XXXX for 10 year conventional loan. I have an excellent credit and credit ( XXXX ). The lock was for 60 days. I have provided every document the lender asked for in a timely manner. I was informed by the processor that they have everything they need and she is waiting on the underwriter to give us clear to close. The underwriter requested additional documentation, which I provided immediately. I was told by the process that should do it. I waited few days and I did not hear back, so I contacted the processor and she informed me that the underwriter is requesting addition documentation. Mind you that the 3rd time she tells me the lender has everything they need. I provided the additional document required within minutes and I asked for a clear to close so we can schedule the settlement before XXXX, but the underwriter did not get to the file and I was not cleared to close. The lender pushed the lock for 7 days to my shock as I am ready to close and I have provided everything and have the funds required for the the closing. The lender changed the terms and is asking me to pay for the lock extension even though I did not request it. The processor told me that if they extend the lock they will not charge me because it was not my fault. Now they are refusing the remove the fee of {$420.00} and they still have not lived up to their promise to give me a closing date before the end of the 60 days lock. As I indicated, I have an excellent credit, almost zero debt and the LTV is under 40 %. My annual income is almost 74 % of the loan, so I am a very low risk borrower. I am suspecting they are trying to frustrate me so I can cancel my loan, since I was locked at a very low rate with no fees. Please help. 

XXXX XXXX XXXX cell XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MD)

i made a purchase through XXXXXXXX for an item the website turned out to be a big fraud the person sent out two tracking numbers 1 from XXXX and another one that was sent to my area but not to my address with XXXX as long as the item shows its in your area then they will automatically deny your case. 

First tracking number XXXX Second Tracking number XXXX XXXX purchased an item from XXXX XXXX  but the website is a scam they never delivered my item and they give two tracking numbers. 
i purchased an XXXX but right after i purchased i instantly found out this website was a complete scam seen articles on XXXX and on the XXXX   website on a lot of people getting scammed by this company purchase amount {$99.00} order date XX/XX/20 Transaction ID XXXX This scammer provided two tracking number 1 from XXXX that was sent to his actual location in XXXX, AL and another tracking after you open a dispute on XXXX from XXXX that he sent to my area but not to my actual address on purpose because everybody know with XXXX as long as the tracking shows your location they will automatically decline your case and XXXX will not send proof of delivery to your email since its not your package. 

then did a dispute with bank chime and they also denied my case without doing a proper investigation and they also denied my appeal with proof of XXXX also stating finally that it was delivered to a different address and a different person name on the package
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I have asked that the information gathered about my bankruptcy from XXXX XXXX in XXXX XXXX  that is public records and was mind by XXXX XXXX and sold to Experian, XXXX XXXX, and other credit agencies. This information was collected and sold, and is in accurate on my Private credit report. it has been 10 years since they have been reporting this I would like for it to be removed. It has been harmful to my financial well-being.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

You, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX must be a Third-Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with FIRST FEDERAL CREDIT CONTROL # XXXX.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Services, Inc. (KS)

Credit Management Services , Inc. of XXXX XXXX XXXX, XXXX XXXX, Nebraska XXXX and attorneys for Credit Management Services : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX have served a non-earnings garnishment upon me, in the District Court of XXXX County, Kansas. Case No. XXXXXXXX XXXX XXXXXXXX. 

This limited action pursuit by the judgement creditor, Credit Management Services, has resulted in two garnishment occurrences, totaling over {$1200.00} and an automatic closing of my account # XXXX, by the garnishee, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Kansas XXXX. 

A letter in response to this non-earnings garnishment judgement communication was sent to Credit Management Services Inc. and received on XX/XX/2021 ( USPS CREDIT MGMT TRACKING # XXXX XXXX XXXX XXXX XXXX received by Credit Management Services on XX/XX/2021 ).

This letter to the judgement creditor was an earnest attempt to discover the validity of this debt and if valid, the possibility of settling the debt. 
Specifically, the letter requested : 1. The name and address of the original creditor, the account number and the original amount owed.

2. Verification that there is a valid basis for claiming that I am required to pay the current amount owed, and if applicable, how the original amount owed is different than the current amount owed, at the time of the non-earnings garnishment.

3. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization of this interest ; the date the original creditor claims this debt became delinquent.

4. Please also note whether this debt is within the statute of limitations and how that was determined.
5. Please also forward details about you and or your agents/attorneys authority to collect this debt : whether you are licensed in my state and if so provide the the date of the license, name on the license, license number and the license number, name, address and telephone number of the state agency issuing the license. If you are contacting me from outside the state of Kansas, provide the all the same licensing information from your state as well.

As of today, Credit Management Services Inc. and or their agents/attorneys, has not responded to my request.
Consumer complaint received 2024-05-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Blackhawk Network Holdings Inc. (MD)

I requested for my refund check for a gift card dispute which I won, but prior to requesting I applied for a name correction which was approved so when I got to XXXX I could not cash it because they said an alphabet is missing XXXX XXXX is on the check but my new ID now has XXXX XXXX ( receipt attached ) I sent an email to XXXX on XXXX XXXX / XXXX  to inform them of the name change from XXXX XXXX XXXX XXXX XXXX and I submitted my ID to back it up, ( XXXX ) in the email I also informed XXXX XXXX void the check, I never got a response so I called XXXX XXXX on XX/XX/2024 to get an update, XXXX XXXX few days later that my check was cashed on XX/XX/2024! I requested for a cleared copy of the check which XXXX refused to produce, I checked the waste and saw the check signed on another name entirely, so definitely the fraudster used a mobile deposit, and that should make it easy for XXXX because theres meta data, location, time stamp and all but XXXX are enabling and protecting. Fraudster also how did XXXX XXXX cashed a check for the scammer when it was clearly written at the back of the check that POSITIVE ID REQUIRED AND THIRD PARTY ENDORSEMENT IS PROHIBITED? ( IMAGE ATTACHED ) I DO NOT KNOW ANY XXXX XXXX XXXX that is the name signed on the back of the check I WILL NOT BE RESPONSIBLE FOR A LOST OR STOLEN CHECK I WANT MY {$500.00} CHECK ON MY CORRECTED NAME XXXX XXXX AND I WANT IT EXPEDITED
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Stenger & Stenger, P.C (OH)

Due to the negligence of XXXX I was subjected to abusive, deceptive, and unfair debt collection practices including the loss of my job on XX/XX/XXXX. Being an employee at XXXX affected my mental, physical, and emotional health. 

XXXX unlawfully garnished my employee compensation without my consent which led to a downward spiral in my life. XXXX is willfully in violation of 15 U.S. Code 1692e ( 4 ). I lost everything. My shelter and independence. I was no longer to afford my expenses to live once XXXX started the garnishment. 

I have been unable to afford shelter and now rely on the assistance of loved ones since my termination. I experienced personal injury due to the negligence of XXXX. Including loss of enjoyment of life. The injury affected my physical health, mental health, emotional health, ability to perform given activities resulting in the loss of employment. I have not been able to work since being terminated from my position at XXXX. I have experienced XXXX, extreme financial strain, no medical care or coverage, financial instability, damaged reputation, familial strain, relationship instability, and invasion of my individual privacy. I have been left completely disadvantaged. 

XXXX garnished my employee compensation for two alleged debts. The first garnishment was from XX/XX/XXXX until XX/XX/XXXX. The second garnishment was from XX/XX/XXXX until XX/XX/XXXX. 

This caused my mental health to be affected. I had to go on both short and long term disability. I have loss the ability to function and have been plagued by XXXX XXXX XXXX. I was once prescribed meds to cope but have not been able to afford the medical attention I need. I included a copy of one of the recertification forms from my doctor during the time of the garnishment. I was unable to perform every day tasks. I lost the enjoyment of life. I have not had any medical care and have not had access to counseling and therapy since my termination. 

I have requested that XXXX provide me with termination papers but have not been furnished with anything including documentary evidence. I requested that my full file be provided to me for the entire duration of my employment including W2s. I was employed with XXXX for XXXX XXXX and XXXX XXXX, from XX/XX/XXXX until I was terminated on XX/XX/XXXX. I have not been employed since my termination and still experience XXXX from my employment with XXXX. XXXX has abused and injured me. 

I also was subjected to abuse by XXXX by being subjected to deductions and withholdings of funds from my compensation. I dispute the validity of every single debt, deduction and withholding that transpired. Including medical benefits, 401 ( k ). I am the original creditor and have been violated under the Truth In Lending Act and the Fair Debt Collection Practices Act. 

My legal name has changed since my employment and I have included a copy of the court order as an attachment,
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

An apartment community called XXXX at XXXX XXXX in XXXX Texas sent me to collections without providing me a bill or notification of debt. I received no communication at all even though they have my email and phone number and I had left a forwarding address. The first that I heard of the debt was from a collections call. They are also attempting to charge me a XXXX dollar fee for not providing 60 days notice when I have written email proof that I most certainly did provide the notice and have an email of them confirming that 60 day notice.
Consumer complaint received 2022-01-18
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. (DC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, my account was closed around XXXX XXXX I was XXXX XXXX XXXX at the time. I noticed I couldnt login my account , it had said my password was changed when I clearly never shared my password to anyone. I immediately called Bank of America & they told me I can go ahead and close my account and reopen another one I said yes thinking I was going to just open a new account. But when I tried to re open it didnt let me, it said I had been reported to XXXX when it wasnt my fault at all. I please ask for help to reopen my account I cannot even start my credit I am XXXX  years old this is not far at all.
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (OH)

Was in an out-of-state major car accident and injured by a drunk driver. Spent a few hours in the emergency room in XXXX XXXX XXXX in XXXX NC before being discharged, and my husband was XXXX  XXXX  to XXXX  XXXX XXXX. Based on limited insurance proceeds of the guy who hit us and pursuant to NC law, Gen Stat. 44-49/50 the lawyers could only disperse {$7700.00} to the hospital for my few hours of treatment. My lawyers also advised the hospital pursuant to NC Gen Stat 131E-91 due to failure to present bills to my medical provider ; XXXX XXXX, the balance and lien was waved and any reporting to credit bureaus would be contrary to North Carolina law and not enforceable. XXXX XXXX has turned this over to a couple collection agencies which no one has contacted me in years. It is only on my XXXX report and It is being disputed, I've called newest ; First Point Coll Resource, agency and nothing, I've tried the hospital with no response, and I am just not getting any resolution from anyone. This is now affecting my purchase of a house and needs to be resolved quick so I can complete my purchase. PLEASAE HELP!!
Consumer complaint received 2022-01-18
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. (NY)

XXXX XXXX on XXXX separates dates are reporting an inquire on my XXXX and XXXX. 
At no time did I authorized any of these inquiries. This is an on going battle with XXXX XXXX.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have contacted XXXX and asked for validation of debt numerous times as well as challenged the reporting of this account ... each time it has come back verified ... how can this be verified if the reporting is all over the place ... btw XXXX  deleted it because the could not verify this account and its time for the others to follow suit .... 

Transunion is reporting {$1200.00} high credit limit XXXX is reporting {$0.00} high credit limit Transunion is reporting {$0.00} credit limit XXXX  is reporting {$950.00} credit limit Transunion is reporting XX/XX/XXXX as the date of last active XXXX  is reporting XX/XX/XXXX as the date of last active -- -this account has been re aged look at the 2 year history ... none match and XXXX is reporting 150 day late XX/XX/XXXX and then 120 days late XX/XX/XXXX ... how is that even possible ... .these are all clear violations..i have attached a copy of the reporting
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I bank with Wells Fargo and sent a domestic wire on XX/XX/2024 for {$1500.00} and another one on XX/XX/2024 for {$8600.00}. These wires were going to a crypto currency exchange called XXXX ( XXXX of the bigger, well known exchanges ). I have probably sent XXXX wires over the last 2 years the same exact way to the same exact recipient. Now my bank has stated that XXXX flagged them as suspicious, even though I have sent wires like this before plus I sent another {$1500.00} on XX/XX/2024 that went through with no issues ( inconsistency ) .... I have now called my bank XXXX times and they have given me XXXX, XXXX  day times frames for this to be resolved and NOTHING. It has now been a month and I have no idea what the hold up is. All they say is that the wires are " in progress ''. What does that mean? I have submitted all the verification they have requested and explained who crypto.com was, etc. My money is just sitting somewhere and no one will figure out the problem.
Consumer complaint received 2023-04-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

I am uploading a four page later that details the challenges I have incurred with my construction and mortgage loans from Truist Bank. I have a binder of roughly 580 pages with emails and correspondence with the bank that affirms everything claimed in my attached letter. 

For highlights : - Double paying my property tax despite telling me to pay it directly and that they were not paying it. ( The bank then paid the property taxes. ) - Informing me of my new mortgage payment of roughly {$1500.00} a month, when the actual new mortgage payment was {$4100.00} a month. 
- Committing to reimburse me for roughly {$75000.00} - {$80000.00} in costs I fronted for this project, and then telling me they can not reimburse me for those funds. 
- Asking me for a roughly {$8600.00} payment as we transition the loan from construction ( interest only ) to mortgage, but not answering my questions about what was included in the {$8600.00} and how it might related to payments I had already made. The bank then refunded me twice for parts of that payment -- I think -- but there was no correspondence with the refunds to explain the entire process.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/21 I've sent {$1000.00} from my Bank of America Account to XXXX ( so they could forward the money to XXXX ). 
The " receiving bank '' for XXXX  XXXX was XXXX XXXX. 

Since then, I've never seen my money again. Bank of America has shared confirmation numbers for the transfer and has informed they tried to recall the payment but they couldn't get in touch with XXXX or the receiving bank. Bofa tells me I need to reach out to XXXX. 

I've provided all the available information to XXXX but they say they have never received the money - and that I need to sort this out with Bofa. 

This has been a nightmare, {$1000.00} is making a huge difference to us in XXXX and we feel unsupported by the two institutions involved in the transaction.