davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
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. (GA)

I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XX/XX/XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 Dept of Ed/XXXX Accounts that are reporting inaccurate late payment.s
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

I purchased furniture from XXXX XXXX XXXX in the XXXX in XX/XX/2019. I paid {$1200.00} for the order using a store credit card from Synchrony Bank. We did not receive the furniture delivery and when we contact the store they were no longer in business. We reached out to Synchrony to dispute the purchase and receive a refund since we did not receive the merchandise. Synchrony has not been helpful in resolving this matter. They have also damaged our credit since they reported the account as late or delinquent. We requesting a full refund and removal of the debt since we never received the merchandise from the merchant and Synchrony was aware of these issues.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

this account appear in my credit report it does n't belong to me, I have not idea why Equifax refuse to fix it this issues, please this company in out control. we need somebody up there to do something. 
account # XXXX XXXX XXXX # XXXX account # XXXX XXXX XXXX XXXX # XXXX account # XXXX XXXX # XXXX account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX # XXXX
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

After their huge credit breach, exposing all of my personal information, I used the links on their confusing website to set up their free credit monitoring service as advertised on their site and the national news to protect their customers from THEIR credit breach. I followed all steps and instructions and still have not received anything from any type of credit monitoring services, so my personal information remains unprotected because of their lack of security. Now I am exposed to anything and anyone who wants to use my credit.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

I deposited XXXX at an ATM. Upon deposit it stated there could be a hold place on the deposit.. which is the statement for every deposit. Two days later I inquired about a hold. I was told there was a hold placed in the account because money was uncollectable, refer to maker. It was an insurance company for death claim. I asked about the check not being collected and was told that they never had such problem and stated they do business all the time with Wells Fargo and referred me back to the bank. The bank informed me that deposit wouldnt be made available until the XXXX of XXXX regardless of when the bank received the money. I was told to go see a branch manager to see if he can verify check and release funds.

Branch manager stated he could not and refer me to the ATM division of the bank. Spoke to someone who stated that the next time they present the check wouldnt be until the XXXX of XXXX. I asked why would you hold a check for 7 days w/o presenting it. Why are personal checks are handled differently. I was told thats what I agreed to. I unformed them that the ATM screen should show date check will be held if not released. I was told it was on my receipt but Im only getting the receipt AFTER the deposit. It seems that the bank arbitrarily holding funds w/o explanation. Even if they processed the check early I would still have to wait until the XXXX of XXXX
Consumer complaint received 2021-01-24
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: CBC Companies, Inc. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

I opened this account on XX/XX/XXXX with the intention of using it as a checking account. I have maintained a positive balance since and have had several transactions since I opened the account. I have been nothing but transparent with your institution and do not agree with the closure of my account. Especially under the circumstances in how it was completed. 

On XX/XX/XXXX I found out that my account had been closed without my permission and without any notification via email, traditional mail or the Wells Fargo banking system. By law, banking institutions may close bank accounts, but they are required to notify account holders so they have adequate timing to seek another banking resource. In addition, a banking institution is required to notify customers when they intend to close their accounts so they can properly transfer their direct deposits. As a result of no notification, my payroll deposit was rejected and I was unable to gain access to my funds which are deposited on bi monthly basis. As a result, I was unable to pay for bills and everyday necessities. Following the call on XX/XX/XXXX, I contacted the branch manager ( XXXX XXXX ) at the same location that I opened my account. XXXX informed me that he looked into the situation and that his representatives at the customer service department couldn't explain why bank account was closed and that there was no logical reason either. His source couldn't explain why the account was closed even if it had a {$0.00} balance for 10 days and stated that other accounts with negative balances over for a longer period weren't even closed. During the past 90 days, it has been difficult near impossible to conduct in person transactions. In fact, it was against the law due to Washington 's Stay at Home, Stay safe order in reaction to COVID-19.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MN)

After the Equifax hack, my wife and I froze our credit at all 3 major credit bureaus. While XXXX and XXXX have been extremely helpful/easy to work with, Equifax has not expended any effort to help us manage the freeze. 

1 ) We tried to setup online access ( myequifax ) but received error messages indicating we needed to call an 800 number : We can't complete your request at this time. 
Please call the Customer Care team XXXX XXXX ) We tried calling the number but gave up after waiting 1 hr on hold ( do appreciate the pandemic impacted customer service - but Equifax had the longest hold time of any company we tried to work with ) 3 ) We tried Equifax 's XXXX account - someone replied but never resolved the issue 4 ) We gave up for several months 5 ) When we tried again on XX/XX/XXXX, we were told by customer service that we were not ALLOWED to use online access but customer service didn't know why - instead we would need to call each time we wanted to do something 6 ) My wife and I were able to call on XXXX to get the freeze temporarily lifted - but when we called back on XX/XX/XXXX to verify it has been frozen again, we were told we didn't answer one of the security questions appropriately and would now need to mail or fax proof of identity and our request to them. 

It is completely inexcusable that Equifax can not enable online access or provide a reason why we can't, as well as providing an opportunity for us to correct/rebut the reason for online access denial. They will no longer accept phone calls because we missed a security question and now have to work with them via fax or mail? How can they not provide timely access to manage a security freeze we PUT IN PLACE BECAUSE THEY CAN '' T MANAGE DATA to begin with!!!!
Consumer complaint received 2017-09-21
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. (GA)

I have notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XX/XX/XXXX - XX/XX/XXXX I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XX/XX/XXXX - XX/XX/XXXX. Please assist me in getting these late reportings removed from my credit file.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

XXXX an online transaction of {$500.00} was withdrawn from my savings account. 
I did not notice this transaction nor was I notified by the bank through an email or text message. 

XXXX an online transaction of {$4200.00} was sent to my XXXX XXXX account. I did not notice this transaction nor was I notified by the bank through an email or text message. 

When I noticed the online transactions, I contacted both Wells Fargo and XXXX XXXX XXXX XXXX. All accounts were closed at both banks and new accounts were established due to my complaints. I was notified by XXXX XXXX XXXX XXXX that funds of {$4200.00} was transferred into my XXXX XXXX account. However, XXXX XXXX stated that the funds was returned to Wells Fargo to an account by the name of XXXX XXXX. XXXX XXXX XXXX XXXX requested Wells Fargo return the funds, but received no response from Wells Fargo. I do not know anyone named XXXX XXXX nor did I authorize the two transactions. I submitted the XXXX XXXX XXXX XXXX letter on XXXX, that stated my claim was found valid. On XXXX the letter was re-faxed due the the online fraud claims department stating they had not received the additional information. After the second fax on XXXX, I received a letter with a post mark of XXXX, the letter inside was dated XXXX. I do not think the online fraud claims department gave proper consideration to the additional information submitted on XXXX. On XXXX, I called the online fraud claims department and explained the letter I had received, I was told to call back by XXXX. After several months of appeals, Wells Fargo denied my claim and stated on XXXX, that this matter would have to be settled outside Wells Fargo.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied with the Guitar Center XXXX credit card, issued by Synchrony bank, and received a denial, reference number XXXX, stating that information from the following Credit reporting agencies was used to determine this adverse action. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX ( I have never heard of this company and did NOT authorize them to compile or share my private data ) I was told to contact the above company with questions about the report, and to contact Synchrony Bank XXXX XXXX XXXX, XXXX FL XXXX with questions about this letter. They discriminated against me, based on arbitrary info provided by an unrelated, and unauthorized third party, denying me the opportunity to accept their offer of an extension of my credit, which THEY ( Synchrony Bank ) offered. In violation of 15 USC 1691 ( a ) 1 ( c ) i was denied for exercising my right to credit. According to the Truth In Lending Act, credit is the right granted by a creditor. I initiated this transaction with my credit card and because I received no benefit from the transaction, 15 USC 1602 L, P, F, and G are also at issue. As I am the creditor as defined in 15 usc 1602 ( g ) 2, ( The credit application being the initial evidence of indebtedness, as it included the payment and credit card information ) My extension of credit was obtained and accepted, but I received no benefit from the transaction.
Consumer complaint received 2020-12-02
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. (FL)

I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged ontoXX/XX/XXXX to verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XX/XX/XXXX is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on XX/XX/XXXXis XXXX, on Equifax is XXXX, and on XX/XX/XXXX XXXX. 

On XX/XX/XX/XX/XXXX I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/XX/XX/XXXX after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.
Consumer complaint received 2020-11-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (FL)

From XX/XX/2020 to XX/XX/2020 I have been receiving solicitation letters from a company called Clearpath. This company targets veterans to take out refinance loans at a lower rate. I contacted the company by phone and email and informed them that I was/am not interested in their product and did no/do not want to do business with them. I called and was told by a person at their call center that my name and information would removed from their database and that my personal information would not be sold or rented to any of their subsidiaries or any private companies or organizations. I made that call after receiving countless solicitation letters and calls from Clearpath prior to XXXX XXXX/2020. On or about the XXXX of XXXX 2020. After I emailed a complaint to Clearpath 's corporate complaint email address I received an response stating that the solicitation letters would stop. Well, I just received two more solicitation letters, one on XX/XX/2020 and one on XXXX/XXXX/2020, and in total from XX/XX/2020 until XX/XX/2020 I have received 11 solicitation letters. I WANT THESE BULLY TACTICS TO STOP!!!!! Can you help me. 

Thank you XXXX XXXX.
Consumer complaint received 2020-11-26
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: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/2018, TRANSWORLD SYSTEM INC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TRANSWORLD SYSTEM INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (OR)

We were charged twice for the month of XX/XX/XXXX and told there was nothing they could do except charge us. Weve never been late and always made payments. They now expect us after paying twice to pay the month of XX/XX/XXXX unless we want late fees. Thankfully we have the money but it is shady that we got double charged
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (OK)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX | XX/XX/XXXX MACYS/DSNB | XX/XX/XXXX MACYS/DSNB | XX/XX/XXXX 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  | XX/XX/XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX These are illegal inquiries.
Consumer complaint received 2020-09-10
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. (TX)

I mailed the attached enclosures to the three major credit reporting agencies disputing the negative report on my credit record. XXXX and XXXX received my mail and quickly deleted the debt from their record. 
Equifax failed to follow their footsteps. Without stating a reason only stated " We have verified that this item has been reported correctly '' ( See the enclosed Equifax response ). 
Not sure what they saw or read that the other two reporting companies missed. The only thing I can think of is that they never bothered to read my submission.
Consumer complaint received 2020-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

ive disputed 14 times thru equifax trying to explain there the problem due to no information on my report as well as any creditor ive applied for credit has denied me due to equifax not supplying them my report yet after 5 calls to equifax theY still tell me its fine and theres no problem. when i sign in to there site to see my score and report its blank. ive disputed 14 times plus called as well as contacted your office which has not done anything either after 4 times attempting to get you to investigate to no avail. i willupload my screen shots of my blank reports that they replied saying i need to be specific about who and what im disputing. how can i be specific when there is not one name or balance nor creditor for mortgage, car, credit cards are even reported so How can i get this matter fixed
Consumer complaint received 2020-09-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I had full coverage insurance and the bank put lender placed coverage on my property. They then included it in my monthly payment at an inflated rate from {$8900.00} to over {$23000.00} I showed the bank my policy and showed the bank my ongoing coverage of insurance while they purposely foreclosed. The bank paid it's employees bonuses and made illegal profits doing this practice for 15 years as well documented in settled cases in the United States ( of which I was never a party ). I was 1 of the persons to stand up to them and fight them. I tried to settle with the bank back in XXXX and offered them the FULL amount of money owed through my counsel XXXX XXXX minus the XXXX. I have submitted numerous documents and my checks and bank statements leading Wells Fargo lose the case and pay attorney fees. They filed for a 2nd time and then dropped the case. This is the 3rd time they have filed. I have the evidence and have submitted it to the courts through new counsel and XXXX XXXX has passed away since this fiasco started. The damages to my credit and my life are irreparable. I have copies of the bank statements including the {$100000.00} to reinstate the loan and copies of all the bank statements XXXX of cashed checks for insurance and the XXXX for mediation with Wells Fargo. The file is too large to attach on this site. The bank answers these complaints with wanting proof of current insurance and not wanting to settle because they have been trying to steal the property for 11 years. NOT GOING TO HAPPEN. I offered {>= $1,000,000} which the bank turned down because they want to take the attorneys want keep generating fees, the bank wants to steal the property and do not acknowledge the ongoing proven settlement in US courts for the same LFPI helping lead to the financial crisis and home theft by BANKS in XXXX.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KS)

I received notification from Equifax that there was a security breach and that my information - including my social security number, date of birth, and contact info was potentially exposed. Equifax has been completely unresponsive in helping me deal with this matter. Here are the steps I have tried to take to find out more information : 1 ) they stated they would enroll me in TrustedID product to monitor my credit to see if there are any breaches ; the problem is that the enrollment email they sent indicates that I am already enrolled ( i have not ) and provides a dead link / a website that does n't load. 

2 ) I have tried contact the Equifax call center to resolve this and they have no one who can assist me. After a long period of time waiting for a response, I was provided another number that I can not seem to get ahold of someone who can help me ( I have been put on hold with no response for a week now ). 

Equifax is completely unresponsive to me at this time ; they have not been able to provide any information about the security breach, how I am actually affected, or even provide the security service they said they would in order to make sure I am not further victimized. I have had no luck in working with them - they are completely unresponsive in this matter.