davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MT)

Company has not provided the proof that I have requested numerous times ' ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have requested documentation of my signature on any of the aforementioned accounts, and none has been supplied.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The credit bureaus have outdated information and lots of items reporting wrong. Multiple addresses and phone numbers that I've never live at.The addresses that belong to me are XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The only number belonging to me is XXXX The rest of the numbers are not mine. 
XXXX XXXX XXXX XXXX show delinquent history loan have been rehabilitated and being paid as agreed.. XXXX XXXX exceed 7 years. XXXX XXXX should not be showing I was forced to move out because of mold and they agreed to the terms, plus its 7 years old. 
The following accounts have been re-aged which is illegal to do so. Everyone of the accounts are 7 years past statue for reporting. 
XXXX XXXX. 
XXXX XXXX duplicates XXXX XXXX XXXX duplicates XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (GA)

I fell on hard times due to the economys up and down drifts and world finance closed my account. Which is a charge off on my credit report. I would like to work out a payment plan and to have them re open it or atleast not have it as a charge off so I can start paying it down in increments
Consumer complaint received 2022-04-11
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: BARCLAYS BANK DELAWARE (CA)

Dear Sir/Madam, I did open credit charge dispute with Barclays Billing Disputes , case XXXX. 
They ruled not in my favor, although I did provide solid evidence. 
I did provide to them email from booking.com where they told I would be charged only for 2 days out of 6 booked. 

Narrative is as following : On XXXX platform I did book an apartment from XX/XX/XXXX to XX/XX/XXXX. 

Unfortunately, the building was experiencing periodic electrical outages due to the adjacent building construction. Plus, laundry didnt work. I do have friends who did witness this situation as well. 

I did contact XXXX, they further spoke with the apartment manager, and they offered me a solution- they will charge for 2 nights only, 4 will be refunded. Please, find attached email from XXXX  So, 6 nights was {$770.00}. 4 nights should be refunded- {$510.00} if we calculate $ XXXX nights = $ XXXX. 

So far, no refund has been received. 

Thanks for helping to sort this out. 

XXXX XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AR)

I was a former tenant of XXXX XXXX, an apartment complex located in XXXX Arkansas but owned and operated by XXXX XXXX based in XXXX Missouri, and I vacated the complex in XX/XX/2021 after XXXX XXXX illegally prevented me from vacating in XX/XX/2021, in breach of the lease contract. As part of the contract there is a special provisions clause known as Section 10 which which supersede any conflicting provisions of the Lease Contract and in part states the following : " All 30 day notices will take effect on the first day the month for which it is issued '', as I wanted to vacate I approached the complex manager in XXXX to inform him of my decision, however the manager refused to give me the proper paperwork in order for me to leave saying that I have to give him 30 days notice, however according the the special provisions, its clearly stated that any 30 day notice would take effect on the first day of the month of the issued notice, therefore any notice after the first of XXXX would start on the first of XXXX and the manager therefore was given 30 days notice. After vacating the complex XXXX XXXX engaged in a campaign of harassment by unlawfully disclosing my personal information to debt collectors named XXXX XXXX based in XXXX, Florida, claiming that I owed XXXX XXXX XXXX for an termination fee, I responded by filing a complaint with the XXXX and pointing out not only the above mentioned, but also the fact that I paid XXXX in XXXX and XXXX of XXXX for rent and the termination fee, but XXXX XXXX falsely attributed the payment in XXXX to rent. In the course of the XXXX investigation XXXX XXXX admitted that they " could not backdate any notices, '' i.e. breached the contract. I wish to also point out that if they could not backdate any notices, then what was the purpose of the special provision I invoked and how else was it to be used. The investigation was then concluded as answered without much progress after that. XXXX XXXX continued to harass me even after disputing the debt, furthermore they not only failed to provide verification of the debt, they failed to provide a statement stating that unless the consumer, that within thirty days after receipt of the notice, disputes the validity of the debt or any portion thereof, the debt will be assumed valid by the collector, as well as falsely representing the legal status and amount of the so-called debt.
Consumer complaint received 2021-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

I first signed up for a US bank account under a promotion for {$300.00} on XX/XX/XXXX. There was an error in creating the account which froze the account and made me unable to sign up for online banking, add the account to other banks, or send direct deposits to the account. The terms of the promotion were that I needed to receive {$2000.00} in direct deposits within 60 days of opening the account. 

It took US banks technical team until XXXX to finally get my account fixed. By this time the 60 days had passed. I requested and was denied an extension to meet the terms for the promotion. I was frustrated by the service and requested my account be closed on XX/XX/XXXX. I wrote this date down in my records as the date the account was closed. Looking back, I found XX/XX/XXXX was the date that the account closing was finalized. 

In the meantime, I received an offer to open a US bank credit card and took advantage of it. I was once again interested in a relationship with U.S. bank. I read the terms of their new promotion for the bank account and it said I was eligible as long as I hadnt held an account with US bank for 6 months. So I waited what I thought 6 months till XX/XX/XXXX and applied again. My bank account was opened again XX/XX/XXXX. This is three days from XX/XX/XXXX which is 6 months from when my account was actually closed. 

I completed the requirements of making {$4000.00} worth of direct deposits to the account for a bonus of {$400.00}. The bonus did not post automatically and I reached out on XX/XX/XXXX inquiring on the status of the bonus. 

I received the following response : " This is XXXX with Email Operations, and I appreciate the opportunity to help you today. Knowing the status of the promotional offer is important. 

I can confirm that the promo code XXXX was placed on the account when it was opened and that e-statements were signed up for before the cutoff of XX/XX/XXXX. '' The promotion still didnt post so I reached out in XXXX to customer support and was told this time that I was ineligible for the bonus because I had a US bank account within the last 6 months. I missed the deadline by three days because U.S. bank took so long to close the first account.
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I am disputing Midland Funding I have never had a dept or agreement with this company I am requesting proof or a written agreement that I have with this company this company is trying to collect from me and I do not owe them I am requesting that they remove this negativity from my report immediately
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

I have been unable to monitor my bank accounts properly for about a month XXXX XXXX XXXX XXXX XXXX XXXX During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled 40 transactions with a total of {$510.00}, another of 10 transactions of {$120.00}, and a final one of 10 transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. 

Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a XXXX  individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (AZ)

This debt collection I have no clue about or where it has come from. I have never done any business with this company, they are threatening to put this on my credit report. I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IN)

Direct deposit blocked coming from Socisl Security. I had deposited a check that was declined, caused overdraft. I was notified of account closure date of XX/XX/2023. I notified social security to redirect deposit to another account prior to the closure date, however socisl security couldn '' t change it until XXXX payment. The bank blocked all deposits including direct deposit from social security. I was unable to receive my deposit timely as a result
Consumer complaint received 2022-08-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I mailed off an INVESTIGATION REQUEST LETTER to TransUnion that was certified mail Tracking # : XXXX and an information INVESTIGATION and account investigation Tracking # : XXXX. TransUnion keeps sending me mail, saying I'm a third party that sent the info. There is no third party ; it's only me. I'm familiar with something called 15 U.S.C. Sec. 1681i ( a ). I heard that these accounts must be deleted if Transunion cant provide proof. I want these accounts deleted if they are not 100 percent. Transunion had 30 days to complete this investigation.
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MO)

WFHM is conducting business as usual, once again laughing in the face of the CFPB and customer. 

As you recall XXXX XXXX did not recall the name of the settlement company, their telephone number and only had an email address which was confidential and not provided when I requested. 

It was never mentioned to Pay Off the Debt. It was stated that WFHM do the right thing by its customer, settlement was even addressed. XXXX XXXX pretended not to know what the situation was, avoided this main issue, and provided 50 plus pages to do so. 

Today XXXX XXXX vindictively and maliciously trying to be hateful and hurtful discloses what has been the truth all along? 

Had XXXX XXXX came forward with this Pay Off the Debt, information there would have been no foreclosure. 

In addition, XXXX XXXX is now disclosing that the settlement was in fact enough to Pay Off the Debt, pay off the mortgage. The million dollar question is why did WFHM not Pay Off the Debt?

Why did WFHM not disclose this Pay Off the Debt information before the foreclosure took place? I had no idea it would have paid off my mortgage. Isnt that what would have happened? While I was begging to have the foreclosure put on hold until WFHM make Good their mistake, error and bad treatment of a customer? 

XXXX XXXX even called me today to say I have a solution, and tell me they WFHM are not going to Pay Off the Debt?

An answer needs to come forth as to why WFHM thinks it is OK to conduct business this way? This answer needs to come from XXXX XXXX and XXXX XXXX XXXX. In addition, why was this not done during your first thorough investigation and fifty plus pages?
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX has failed to send requested documents, such as a statement stating that they was aware of the car location. Once the statement is enclosed with the fraud affidavit I will sign it. Your company was aware that the XXXX XXXX Police Department found the car and it was available for pick up by XXXX XXXX immediately. XXXX XXXX failed to pick up the car from the XXXX XXXX Police inbound @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Your company also release the title to the car to XXXX XXXX for Lien sale of the vehicle by the XXXX XXXX Police department tow yard. 

Please explain why your company was not interested in the vehicle and you allowed the lien sale and still trying to collect the debt from me. 

Once again I will sign another affidavit once I receive the statement above.
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (TX)

Good Afternoon, I had an account with Great Lakes for a FFEL Consolidated Loan. I defaulted on the loan due to unemployment. They were able to get my tax return refund from the IRS. I understand that they can do that. What I don't understand is they also increased my balance by over {$1000.00} with no explanation. I am employed now and I am making payments, but I didn't if what they did by increasing my balance is legal. Please advise.
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (HI)

This the letter I sent to our new mortgage provider We have learned that our mortgage has been sent to you and that at some point Stearns decided to send in the paperwork to foreclose on our house. 
We have been fighting with them for two years over mis-managed payments by us for our mortgage. 
Stearns says we owe {$13000.00}. 
By our records from XX/XX/XXXX thru XX/XX/XXXX we paid {$40000.00}. 
We owed {$44000.00}. 
Total behind {$4000.00}. 
And there is an escrow of {$1700.00} They have tried to tell us on more than one occasion that we didnt have insurance, we sent proof otherwise and they have never fixed any of the issues that we spoke to them about. 
Stearns Lending created escrows on our account in XX/XX/XXXX and in XX/XX/XXXX claiming we did not have insurance. Both times we had the insurance and presented proof. It took a considerable amount of time for them to realize we were correct and get rid of the escrow. They told us each time, that we needed to send them a letter stating that we wanted the escrow that was created in error, to be removed. Each time this happened it extended the amount of time of the escrows existence and made us late on payments we were making due to the incorrect information they had on file. 
This situation also affected our credit adversely. My wife 's and my credit plummeted. They finally fixed the error and our credit went back up but never fully recovered. I have attached photo evidence to show what Stearns has done to our credit. From my conversations with XXXX at XXXX XXXX, the mortgage was never returned to the original amount as was discussed and written in a letter from Stearns after removing each of the escrows. 
A lot of pain, suffering and financial burden has occurred from what Stearns Lending has done. 
The emotional pain has been huge. Arguments, talk of divorce, total dissension in our home. 
We have not been able to do anything with our credit since this started in XX/XX/XXXX. We wanted to get a home equity loan to add solar, and air conditioning and lower our payments. We could not. 
As we are fighting the claims by Stearns on how much we owe, we are falling further and further behind. 
One reason for this is XXXX XXXX, the company Stearns sold our deed to, told us not to pay until this is resolved. 
There have been two recent escrows created because of property taxes not being paid on time. That was caused by the state of Hawaii and filing issues that we are also currently dealing with and paperwork has been filed. 
Even with that we do not owe them nearly what they claim we do.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Johnson Mark LLC (UT)

The person that they delivered the summons to wasn't me. The physical description listed doesn't match mine. If the server gave it to the wrong person without checking an ID, that would mean that you further violated my privacy. I want proof that you even had authority to have anyone be contacting me. Nobody has been able to provide me with a single signature on this account. This seems like Johnson Mark is just trying to steal money. They claim they deliver a summons so that it appears like they did. It looks like all you have to do is enter a physical description. Where's a photo of the person you served it to? Where is a photo of the person that served it to me. I highly doubt that this process server exists since none of them can provide a photo of this person. If you actually served it there needs to be more proof that someone who is PAID by you to say they delivered it. They have EVERY INCENTIVE to lie to get paid. If the lawsuit goes on without the person knowing about it, how would they ever really know? Since this is a case of identity theft, you will need to provide more than just your word that it happened. 

You intentionally made up this story so that you could steal money from me and many others. You had or your client had NO RIGHT TO CONTACT ME TO START!!!! You don't have a single signed agreement from me to have even set foot or contact me in any way. So, PROVE that you had the right, FROM ME, that you should have had any information of mine. YOU DON'T BECAUSE THESE ARE FRAUDULENT ACCOUNTS!!!!!!!
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA (CA)

I spoke with Master card about a XXXX feature XXXX has a feature called " XXXX XXXX Billing Updater ( XXXX ) '' that automatically updates merchants with replaced virtual card numbers to maintain continuity of recurring payments. If the customer has opted in for this feature with XXXX, any time we replace their virtual card number to try and stop merchants from making reoccurring transactions, XXXX will continue to update these merchants with the new number and they will continue to be charged. 

Those are the exact words from the XXXX XXXX representative. 

Not only do they share my card information with third party companies but they do NOT provide any way of me from stopping this feature or blocking the cancelled subscription!
Consumer complaint received 2022-04-11
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: LEXISNEXIS (NC)

Made contact with LexisNexus on XX/XX/2022 to address a reporting of a Bankruptcy to my credit report. I asked that they provide me information on how they validated the bankruptcy. Account number they have on file is Incident : XXXX. I did not receive any information on how they validated this bankruptcy as mine. I contacted the Bankruptcy court listed on my credit report and they responded that they do not provide any verification of bankruptcies to any credit reporting agencies. I have attached a copy of the letter received from the courts. 
In accordance with the Fair Credit Reporting act LexisNexus XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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