davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (GA)

I have been trying to get the title to my semi-truck since XXXX of 2022 from the lein-holder they have given me the run around which has cost me I. Storage of the vehicle and also several potential customers. I have been unable to sell the vehicle due to the neglect of the lein-holder. I paid off the vehicle and simply want my title. Well Fargo based on what was mentioned to me commercial department was sold to some other company they can't even pull the account by the loan number. This doesn't make sense. I have been disregarded with out concern of the financial damage to me.I would never recommend Wells Fargo to anyone with the continued bad press they have received in the press you would think they would try to have better customer service.
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

XXXX who I have never signed up my services with at any time has a debt linked to my name that does not belong to me, they have sold this debt to companies which have then sold to others after ive said this is bot my debt and have disputed this information. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse My information continues to be sold & shared illegally which is a violation of my rights
Consumer complaint received 2022-08-18
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. (MD)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to XXXX and Equifax credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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. (TX)

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This grave error has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The Gramm-Leach-Bliley Act makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the Gramm-Leach-Bliley Act. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me in accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Consumer complaint received 2022-12-03
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: CORELOGIC INC (TX)

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This grave error has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The Gramm-Leach-Bliley Act makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the Gramm-Leach-Bliley Act. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me in accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Consumer complaint received 2022-09-23
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Arapahoe Motors (WY)

After finding a vehicle I liked at a local dealer, I was excited, I went and put {$9800.00} down as well as traded in my car. A short time after, I got a call that the dealer was taking the car back due to financing not being approved. In the meantime, they had sold my trade-in and refused to give me any of the {$9800.00} back that I had put down, citing a $ XXXX XXXX fee in addition to any wear or tear. They charged me this even though it was specifically outlined in CO code that this is not an acceptable practice.
Consumer complaint received 2022-12-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MA)

I have an account on my credit report from the US Department of Education that I have no knowledge of, I did not apply for a student loan, I have never gone to college, I have no affiliation with that company. I have attempted to contact them multiple times with no success. The loan amount is for {$290.00} and it shows that the account was opened XX/XX/2019. I have NO knowledge of this, I believe this was a result of identity theft or perhaps a mistake with SSN numbers, I have no idea. I need this removed from my credit report NOW.
Consumer complaint received 2022-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/29, I received an email from Venmo that my account had been temporarily frozen and asking me to provide my identification. I did so within minutes of receiving the email. Today, XXXX, I received an email stating that my account has been permanent XXXX because of concerns. They will not let me transfer money out of my account. I have emailed with the person who sent me the email and asked for clarity and additional help and the response has essentially been too bad and no. I have also tried to reach out via phone, mobile chat, XXXX, and other avenues and all have directed me back to emailing with the original associate. I am a partner at a major law firm and have done nothing to violate the User Agreement, which I reread today. Indeed, the only thing that has happened to my account recently is that I have been targeted by what look like XXXX  trying to transfer {$0.00} into my account and asking me to transfer money to them. I have blocked as many of those people as possible. I can not believe that Venmo would treat people this way and refuse to permit me to transfer my own money to my bank account.
Consumer complaint received 2022-07-29
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. (VA)

It appears that my credit has been compromised. Again, I was going through my records & noticed many Inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these Inquiries. 
XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these Inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (IL)

On or around XX/XX/2022 I signed up and was approved for a SoFi credit card. On the same day as my approval, I used SoFi 's chat support and spoke with " XXXX XXXX ''. The chat log is as follows : XXXX XXXX : Hi, XXXX XXXX, thanks for choosing SoFi! My name is XXXX XXXX, How can I help today? 

Me : Hello! I want to check if my sign up bonus offer linked to my account is the XXXX offered here : https : XXXX Herson V XXXX When did you apply for your Sofi credit card? 

Me : Just now XXXX XXXX : That is the same promotion, however there are some other requirements for instance : To receive the offer, you must apply and get approved for the SoFi Credit Card and have an active direct deposit through their SoFi Checking and Savings Me : Right. My question is : for the credit card I was just approved for, is this offer tied to my account ( i.e., the spend {$1500.00} to get {$200.00} ). 

XXXX XXXX : Yes! 

Me : Perfect, thanks! Do you have an idea of how long after spending the {$1500.00} it takes for the {$200.00} statement to be reflected? 

Me : I just want to make sure to confirm it worked once I spend that amount. 

XXXX XXXX : It should be immediately Me : Awesome. Thank you so much. That's all I needed After meeting the minimum spend, I did not immediately receive the {$200.00} offer as a statement credit. I contacted SoFi using the chat feature again ( date uncertain ; around midXXXX ) and was told that SoFi would look into the issue and follow up with me. 

Today ( XX/XX/2022 ), I contacted SoFi using the chat feature again as I never received a follow up. I spoke with " XXXX XXXX '' and was told that " it seems [ SoFi 's ] special team declined our previous ticket, you spent the requirement of {$1500.00}, unfortunately we don't show a XXXX XXXX 's affiliate link was use. [ sic ] '' After describing the above, I was told there was nothing else that can be done except that XXXX can forward my complaint. He could not assure me that SoFi would follow up with me on this issue when I asked. 

I spent {$1500.00} using SoFi 's credit card in reliance on receiving the {$200.00} offer that I was assured was connected to my account. A proper resolution would be honoring this offer.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XX/XX/2020
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WI)

Hello, All of my accounts have been hacked /compromised by hackers.CHASE BANK is not believing me that the hackers have stolen money out of my checking, savings account totaling {$5000.00}, some of my bills are being paid but I dont have any money because my account is in the negative.How can I pay my bills if my checks are being taking away from me. 
.
Consumer complaint received 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

LoanCare Complaint XX/XX/XXXX I. LoanCare sends request for additional documents to support Loss Mitigation Assistance : Unemployment benefit award letter OR 60 days recent consecutive bank statements showing unemployment income deposit Dated XX/XX/XXXX ( received XXXX XXXX, XXXX ) BY XX/XX/XXXX Responded by email with Award Letter to email address located on request letter on XX/XX/XXXX. 



XXXX. LoanCare sends request for additional documents to support Loss Mitigation Assistance Unemployment benefit award letter AND 60 days recent XXXX bank statements all pages even if blank Dated XX/XX/XXXX ( receive XX/XX/XXXX ) BY XX/XX/XXXX Responded by email with both Award Letter and bank stmts email address located on request letter on XX/XX/XXXX. 

XXXX. Received letter dated XXXX XXXX, XXXX stating my home was in FORECLOSURE XXXX calendar days before a scheduled FORECLOSURE SALE and my application for assistance was incomplete. Called day after receiving letter on XXXX, XXXX and verified Application IS COMPLETE and foreclosure stopped. 

IV. Received XXXX XXXX XX/XX/XXXX ( received XX/XX/XXXX ) stating application complete and LoanCare must deny or submit a written offer for foreclosure prevention alternative within 30 calendar days after XX/XX/XXXX. 
As of XX/XX/XXXX have received neither a denial or foreclosure prevention offer. 

V. Received Letter Dated XXXX XXXX, XXXX ( received XX/XX/XXXX ) Stating my Mitigation Assistance is pending Missing Third Party Documentation, and no action is required by me ( the Borrower ). 

VI. Investigated the status of financial assistance ( supporting missing payment during forbearance periods ) provided by XXXX XXXX XXXX program and found that it is stalled due to : Awaiting Mortgage Servicer Information LoanCare is not responding to requests to State Assistance organization provide funds to pay LoanCare? Is LoanCare proceding with foreclosure to try and strip me of the equity of my home I have been procuring for the last 20 years of paying my mortgage, only to lose it to a bank involved with my loan for less than 3 years? It seems that LoanCare is running out the clock on my time. Without a single point of contact, which LoanCare has offered but in reality will not allow me to contact, I am at a loss for who to talk to at LoanCare. Every time I call I get a different status reported on my account with a different ( well trained ) representative. 


XXXX. 
Additionally, LoanCare has sent an attached notice Dated XX/XX/XXXX ( received XXXX XXXX ). Only recorded one call where my payment for this demand was refused by the XXXX XXXX, XXXX. 

I have also requested a copy of the Promissory Note, containing my signature and contractual obligation of both parties, without response. 

I am also restricted ( and hence discriminated against ) from using the online services to organize and handle communication, payment, documentation needs, enjoyed by every other borrower.
Consumer complaint received 2022-09-23
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. (KY)

XXXX and Equifax deleted a great credit history with XXXX XXXX XXXX # XXXX. It was my car payment. It wasn't due to come off because it was reported in 2012. I have asked XXXX several times to put it back on my credit report. They won't do so and I am feeling targeted. I feel like they want to destroy my life with all the inaccurate negative reporting and then they are removing good payment history. Please ask them to put XXXX XXXX XXXX back on my credit report.
Consumer complaint received 2022-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MD)

This company is reporting to my consumer report without authorization. Causing an adverse affect from this action that my person has received no notice or letter of. I am well aware of my rights and this is a violation of them. I'm asking that the company produce the blue ink contract my person signed with the company.
Consumer complaint received 2022-09-23
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. (MI)

Equifax refuses to properly investigate any of my complaints claiming the personal information I have submitted does NOT match what they have. Please see their attached letters. Equifax has been obstructing my ability to dispute inaccurate information for years with a deliberate scheme by FALSELY claiming the information I have submitted is inaccurate. The information I have submitted DOES match what they have on file. Otherwise I am requesting for Equifax to provide me with the specific information they have on file that does NOT match what I have provided. Is it my address, social security number, date of birth. I am not asking for the information they have just the area of information they claim does NOT match. 
see my latest complaint XXXX Additionally, Equifax CONTRADICTS their own claim by mailing me out an updated credit report. Are you serious-????
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I have used the Chase remote " quick deposit '' feature several times and every time I use it my funds are not available for many days if not weeks. Recently, I made a deposit in my business account on XX/XX/2022, the funds are still not available as of XX/XX/2022. Chase is falsely advertising this feature. On its website it states : " Use XXXX XXXX  on the Chase XXXX app to deposit your checks and access your funds quickly. '' https : //www.chase.com/digital/mobile-deposits This is false advertising. I reached out to Chase to inquire as to what the problem is sending two messages on XX/XX/2022. I have not received a response to either message as of this date. I have had this problem in the past so it is not an isolated incident.