davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc (GA)

I am behind a month on my loan and I spoke to the loan company about making a payment on XX/XX/2022 for {$100.00} but I wasn't able to do so. I believe in paying my bills on time and I have already had a loan with this same company and paid it off. Due to extremely hard times as a single parent during inflation I have fallen behind on all of my bills which really has me stressed out. This is causing issues with my health and I have been to my doctor for XXXX XXXX XXXX XXXX XXXX that I am working on controlling. I received a call from a neighbor asking me about two women knocking on her door and asking if she knew me. She said they left a letter for me with her and I could not figure out who this could be or why they would knock on this woman door asking about me. When I returned home I got the letter from my mailbox due to my neighbor had to leave for work and asked what she should do with it. When I opened the letter and read it, I was heartbroken and stunned that this information was left with my neighbor. I was really embarrassed and sympathetic at the same time that my neighbor had to be awakened by someone knocking on her door asking about me and my personal business. I called and spoke to the branch manager XXXX XXXX XXXX and she confirmed yes they came to my house and yes the left the letter with the neighbor due to knocking on her door by mistake. This is dangerous on their part due to the things that are currently going on and disgraceful due to the total loan they are looking to collect on is less than {$1000.00}.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY ()

I have been a customer of Wells Fargo since 1996 ( takeover from XXXX XXXX and then XXXX ). The service has been miserable since WF took over and I had to fight them for months ( until I won ) on 2 past occasions. One was related to withholding taxes, which they had initially refused to return after I filed my XXXX, which by the way they had lost in the takeover from XXXX. The other was giving me the promised interest rate after maturity. They refused to honor the promised rate and gave me less, until I wrote several emails and fought them for months and finally got the promised interest rate. 

Most disturbing is, recently I found out ( by chance ) that I have been asked to close my account. I am an international customer and was also not informed. The reason given is that I do not have a US residential address. This is absolute discrimination, especially after banking with them for over 25 years! This is very unfair and unethical. To make matters worse, I have two interest bearing deposits and will lose my interest if the accounts are closed early. I have tried in vain to make WF understand my predicament and my pleas have fallen on deaf ears. I am desperate now as I do not have another US account to transfer the money and I am stuck. In addition, for years now, WF has not been able to reflect accurate address and contact details. They told me a range of lies and most recently admitted that their system does NOT accommodate international address or contacts. What kind of bank is this? They lied to me for years. I have all the emails between the bank and the complaints dept and I can share all of this with you. What can I do now and how can you help me? 

I am uploading three emails I wrote to the Wells Fargo Complaints Case Specialists.The emails will provide an indication of the issues I am facing.
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (NJ)

I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: West Realm Shires Services Inc. (PA)

I sent a wire transfer to be credited on my FTX.US account on XX/XX/2022 and the bank that works with FTX.US still has not credited me my XXXX XXXX  ( see attached pdf )
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have with this company disputed this account over and over to be told that this account has been updated and validated and requirements are met! I am wondering how that is being truthful and that the account was vaildated when it is still reporting inaccurate information and violation of my rights keep being done and I am very sick of my credit being hindered over reporting inaccurate information when this is gassing my rights and it needs to be deleted RIGHT NOW. This is reporting information that isnt even the same on other credit files and also you do not even have a original creditor information LISTED so how is it possible this account was vaildated IT NEEDS TO BE DELETED NOW I have included screenshots of this account and you can see the information isnt the same across all boreds and listing wrongful information and I am sick of being told it is vaildated and violation of my rights keep happy. Al the dates are inaccurate of last payment or date closed or date open or account type or even who the Original creditor is you keep stating u vaildated this account but how if it is still reporting inconsistencies and this needs DELETE of this ACCOUNT NOW!!
Consumer complaint received 2021-07-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-10-15
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. (GA)

In XX/XX/2022 i vied my credit reports, and seen that ALL THREE credit bureaus were reporting false and misleading information on my credit reports, therefore i contacted the bankruptcy court in XXXX Ga, and talked to a court rep, who stated on a recorded line that the courts DO NOT REPORT TO CONSUMER REPORTING agencies, which is a FCRA VIOLATION, but she stated that the information is public and that's how the consumer reporting agencies get the information, which is a violation of my privacy pursuant FCRA laws. for only I the consumer can give permissible permission to report ANYTHING on my credit reports and only i the consumer can VALIDATE any information reporting on my credit reports, so knowing that the information was fraudulently used from PACER database by a third-party consumer reporting agency which is breaking federal laws and violating my privacy as a consumer, this information needs to be deleted from my credit reports immediately! I mailed all three credit bureaus letters on XXXX and have not heard anything from them or the investigation into this matter which is another violation of my FDCPA and FCRA rights as a consumer, i am filing this complaint today, on XXXX, XXXX, EQUIFAX for reporting false and misleading information and they are committing fraud by doing so!
Consumer complaint received 2022-12-26
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: The CBE Group, Inc. (TX)

FCRA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX  
FCRA Violation: auto loan never late
XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiry not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: collection not mine XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I got a email saying that someone had been added to my XXXX and if I did not authorize it to contact my bank which is chase when I was calling the bank and payment of XXXX was sent to a XXXX XXXX when I told them I did not authorize this transaction they put in a claim and denied me on XX/XX/XXXX after I called them back I do not understand why or how but they said they investigation doesnt show fraud when I talk to a lady changing my login information I was told that there was another authorized device on my online and I had her remove it
Consumer complaint received 2021-11-30
Product: Credit card or prepaid 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: CITIBANK, N.A. (SD)

On XX/XX/XXXX I received a letter from Citi Bank stating that on XX/XX/XXXX they incorrectly credited my account for a payment of {$3500.00}. To correct the error they have rebilled my account. 
I have phone records indicating that on XX/XX/XXXX at XXXX and XXXX I called Citi Bank XXXX XXXX them know that I had been credited {$3500.00} and I did not think it was right. With both phone calls the representative on the line said that It was an anonymous donation and mine to keep. I tried doing my part by calling to let them know about the {$3500.00} credited and both times they said it was mine to keep. 
I called Citi last week to dispute this letter and they said they would file a dispute. I called again today XX/XX/XXXX to check the status of my dispute. No such dispute was on file today and I had to start over. After speaking with three different people they said because I spent the money I had to pay it back. I asked them about the representatives being responsible for miscommunication back on XX/XX/XXXX. They said they have no records of phone calls I made to them on that date. I found the records in my own phone service records so They lied about that also. 
They state at the beginning of all Citi Bank phone calls that all calls are recorded, they should have recordings of both phone calls I made in XX/XX/XXXX to prove that the mistake was on their part, not only with crediting the account but also with saying the money was mine to spend.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$6.00} SYNCB/XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00}
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Home Depot only allows you to pay them with a routing and account number. They took almost 14days to take a payment I made and it bounced. First issue ever... They closed my account immediately. I've continued making my monthly payments but they haven't reopened my account as they said they would
Consumer complaint received 2021-11-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Smart Money Alliance (MD)

XXXX XXXX masquerades as an XXXX official who provides financial literacy, business loans, grants, and credit counseling for minorities. He operates at XXXX. He also operates at smartmoneyalliance.org. He claims to be given an XXXX XXXX XXXX  to help minorities. 
This company is simply a front to con minorities into getting high interest loans wherein he gets 10 % of every loan approved. 

As well he charges an upfront fee of at least {$2500.00}. Recently he stole my signature and initiated an ach withdrawal of weekly payments which I just contacted my bank about. 

His companies are XXXX, smartmoneyalliance.org, and XXXX XXXX XXXX. All are fraudulent.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (IL)

On XX/XX/XXXX I received a letter from EOS CCA in reference to an alleged amount due to XXXXXXXX XXXX for {$68.00}. To my knowledge, I have never agreed to do any business with EOS CCA. As of my right, please provide written validation of any business agreement with your agency ( EOS CCA ) per FCRA regulations.
Consumer complaint received 2019-07-06
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. (MO)

I'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Employee 3 ) XXXX   XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 )  XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX  {$8400.00} 8 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Applied online in early XX/XX/XXXX for a personal line of credit. Also applied at other banks for a personal line of credit. In just a couple of days there was {$40000.00} in my Wells Fargo checking account! I immediately went to my Wells Fargo branch to staighten this out, as I never authorized {$40000.00} to be deposited into my bank account. I ended up going with another financing source and NOT with Wells Fargo. Then I started to get monthly bills for interest starting in XX/XX/XXXX. I contacted XXXX again. These bills kept coming each month through early-mid XXXX. Turns out that XXXX was reporting derogatory non-payment info to the credit bureaus all these months! I kept getting told that everything will be corrected and that the bank made an error. This went on for approximately 22 months and I am still trying to get the XXXX line of credit history removed from all XXXX credit bureaus. As to today, XXXX, XXXX has not cleaned up my credit report. I call and follow up constantly and I was told that XXXX is in the right. Also on XXXX, I found out that I was a victim of the XXXX fraud event that XXXX employees perpetuated ... .why did it take so long to notify me? XXXX is not cooperating with me to clear up the fraudulent line of credit history on my credit reports.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been filing disputes with the bureaus and the only one who has not been responsive is Transunion. I have had several inaccurate items fixed on the other bureaus but Transunion has made zero changes. There are items that need to be fixed.
Consumer complaint received 2021-11-30
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. (MI)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2021-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021.
Consumer complaint received 2022-08-18
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. (WI)

equifax is has taken more than 30 days and has not finished with my credit dispute they have not removed the XXXX XXXXXXXX XXXX XXXX credit card i disputed or the XXXX auto loan i disputed or the XXXX XXXX card i disputed it has been almost 60 days and they are still listed as in dispute please make them remove them as it has been more than 30 days in dispute
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I am opening a 2nd case as the first case opened with CFPB ( XXXX ) which was closed and 1 ) My mortgage company ( Mr. Cooper ) did nothing except to send the exact same data from their initial letter they had sent to me initially notifying me of the increase ; and 2 ) The contact XXXX XXXXXXXX  ( the contact from the response from Mr. Cooper Mortgage ) Company did not respond to numerous email and phone messages ( on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX and emails ( XX/XX/XXXX and XX/XX/XXXX ) ; and 3 ) Did not provide an thorough review to justify the increased monthly payment. My Home owners insurance went up with the last company and I received a decreased monthly payment as well as a refund from the previous year. 

Mr. Cooper Mortgage Company needs to provide a thorough and complete detailed escrow analysis ( Re-evaluation ) justifying this excessive escrow and hence increased mortgage payment. I had also asked repeatedly in my final message to tell me how to remove the escrow account so I could pay the insurance and taxes myself and the point of contact given does not respond to emails or phone calls! I twice told him I would be opening up a new case if no response was received. 

My taxes did not increase enough to justify this increase and the insurance is the same as it has been for going on XXXX  years. See attached previous XXXX XXXX escrow analysis.