davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-11
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. (NY)

XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  This is also completely inaccurate. 

XXXX XXXX XXXX XXXX Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

KeyBank allowed several unauthorized charges on my account for a service I dont use or have no knowledge of. They overdrafted my account XXXX and took XXXX dollars out of my check too cover the remaining balance. They have expressed too me that they feel there was fraud on my account but refused to give me back my money.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (GA)

We tried to refinance our mortgage to avoide losing our home in XXXX XXXX NV. We were advised by Wells Fargo Associates to hold our mortgage payment in a savings account and not make a mortgage payment for 3 months. After that apply for a refinance to show finanacial hardship. We were denied and were about to be forclosed. This force my wife and I into bankruptcy in which we have still not recovered. 

XXXX XXXX
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (WI)

We had a financial hardship that started in XXXX were having trouble paying our mortgage to Wells Fargo Home Mortgage, but we never missed a payment because we were draining our retirement funds and getting assistance from family members. We first requested mortgage assistance in XX/XX/XXXX but were rejected because " Your current financial situation does not meet the requirements for a loan modification. '' We again requested mortgage assistance in XX/XX/XXXX. We also requested a short sale in XX/XX/XXXX and were approved on XXXX XXXX, XXXX. Another request for mortgage assistance in XX/XX/XXXX was rejected. In XX/XX/XXXX we requested a deed in lieu of foreclosure. In XX/XX/XXXX we sent a Homeowner Assistance Form, reiterated our hardship and had started accepting short-sale offers. In XX/XX/XXXX we also let Wells Fargo know we no longer wanted to pursue a deed in lieu but would like to continue with the short sale process. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Wells Fargo approved our pursuit of a short sale with authorization to list the house for {$360000.00}. We received XXXX offers for short sale ranging from {$360000.00} to {$380000.00}. Ultimately, Wells Fargo rejected each one and we were forced to go through foreclosure and bankruptcy. Until that point, we had never missed a mortgage payment because we drained our savings accounts and were receiving financial assistance from family members.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Citibank closed my checking account on XX/XX/XXXX and there was a remaining. I have been trying ever since to get my money back but Citibank told me i have nothing to get, I made lots off phone calls to Citibank they also advised me to go to my local branch. but i never received my balamce of my money. they also told me that a check was prepared for me on XX/XX/XXXXXXXX  bur nothing was ever mailed to me. The amount was for {$14000.00}. Please i will appreciate if someone can please assist me get back my money. thamk you.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax are reporting inquiries that I do not recognize and did not authorize. These inquiries are causing me damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies that means this account could not have been verified or validated because it can not have different information for one account. 

High Balance : {$360.00} {$0.00} {$160.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Bank Credit Cards Credit Card - Finance Company National Credit Card Companies Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor Charged o '' account Accounts closed by credit grantor Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit {$200.00} {$200.00} {$0.00} Furthermore any account charged off with a balance belongs to the consumer so this account can not report as a collection/charge off because anything over {$1.00} should be refunded to me. 

XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Consumer complaint received 2021-06-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

The lender is Sallie Mae. Off top this bank makes you think your are getting a government loan when actually it is a bank and the loan is private. I even questioned is this The Sallie Mae and they said yes. It was not until I could not get a deferment that I found out that I did not have a government loan. My loan about was {$4700.00}, my principle balance is {$6100.00}, and I will actually paying back {$9600.00} after 10 years of the expected payoff date. They are not offering any COVID opportunities deferment, they did not take into consideration that I am not working due to COVID and they have reported me to the Credit Bureau. I thought it was illegal to pay more than the borrowed amount on any loan, this is certainly part of the usury law. This company should not be allowed to use the name Sallie Mae, because people automatically think it is the government loan Sallie Mae. The did not try to help me during COVID, they do not have any reasonable options for this loan. This company has ruined my credit without giving me options. When I ask for a payoff, it was the principle balance. XXXX XXXX
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX XXXX and I'm a XXXX XXXX  XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is drug dependent and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! XXXX XXXX
Consumer complaint received 2020-10-11
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: Santander Consumer USA Holdings Inc. (CA)

There is a settlement that was reached between Santander Consumer USA and a coalition of 34 state Attorney Generals that gives relief to consumers that were directly impacted by the Defendant 's business practices. I am one of those who were directly impacted in more than one occasion. After multiple attempts to have my loan forgiven and title mailed, which is what I am entitled to under settlement terms, the only response I get is to contacts my Attorney General. I need this matter to be resolved as it is extremely unfair to consumers who trusted Santander Consumer USA in a time of need. 

XXXX XXXX Customer ID : XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax are reporting incorrect information on the account listed as XXXX there are several inconsistencies listed with the account which leads me to believe this account has not been properly validated or verified as accurate. 

The information that I am disputing is : Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Rating : Derogatory Open Derogatory Creditor Type : Savings and Loan Companies Auto Financing Auto Financing Account Status : Open Open Closed Creditor Remarks : Repossession ; redeemed Redeemed repossession Auto Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments that are being reported are also inaccurate. How can a late payment be late 60 days consistently? What information did you receive to determine I was indeed late with these payments? Please forward this information to me immediately.
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

They sent physical mail and an email. I then went on their website and filed a complaint/dispute on the debt, as the rental company falsely charged us for damages we did not commit. This dispute was filed on the XXXX of XXXX and we never received a response. From there, I was notified that we had a collections notice added to our XXXX XXXX on the XXXX. 

I also tried to call their line to get in contact with someone, never received a response, and now have a report of debt on my XXXX XXXX, all without a single response from the debt collection company, which feels almost as if it is illegal to do something like that.
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANKERS HEALTHCARE GROUP LLC (CA)

This complaint is connected from XXXX. FYI-Please see NEW attached official proof that XXXX XXXX has an on-going fraud/criminal investigation with the FBI XXXX XXXX released officially XXXX of XX/XX/2024. Feel free to contact their office in order to validate it. Thank you.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report which includes several inquiries that I did not authorize and the credit bureaus should not have released my report to these companies and doing so without my permission is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was sued and a judgement for a 17 year old credit card debt was entered against and they sent the summons to an address that I haven't ever lived at. It was my sister 's old address and a summons was never served there for either of those court dates. My sister said that someone came there in early XX/XX/XXXX and asked if I lived there and she told them that I do not live there and they left. This company was able to locate my current work address for a garnishment order so they should have been able to locate my current address because it's on my credit report and they purposely stated that they sent a summons to the wrong address and I haven't seen proof that someone even signed for that summons. I don't remember this debt and don't feel that I have been able to fairly answer to this. Also if it's 17 years old can I be sued over this? I called the court and they said a judgement was entered against me in XX/XX/XXXX for XXXX and renewed on XX/XX/XXXX and was for XXXX plus XXXX in interest totalling XXXX but I have no knowledge of either of these judgments and the reason I am finding out about this is because a garnishment order was sent to my employer and they informed me. Is there anything I can do to stop this or get this resolved without being garnished. Were my legal rights violated? Wouldn't XX/XX/XXXX even be past the statute of limitations if this debt is 17 years old? I only have 14 days to figure this out according to the court papers. Did this company break a law by not serving me correctly? I called the attorney on this and she said that nothing can be done and they do whatever they need to do to collect this debt. I don't even know if this debt is truly mine. I would like to know my legal rights regarding this. I just found out recently that an ex wife that I've been divorced from for several years still has a credit card with my name on it and I shouldn't be responsible if I didn't create the debt but with such limited information I can't defend myself on this. The only information I have is that the debt is 17 years old and that this company went to court without properly notifying me twice and a judgement against me was made and now I'm being garnished.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continue to inaccurately report the account listed as XXXX XXXX as the credit bureaus know the contract acts as the security for funding of the account so I can not be late or it can not be a collection account. There are also several inconsistencies with the account. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Payment Status : Late XXXX Days Late XXXX Days Late XXXX Days Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

When my old XXXX XXXX XXXXXXXX XXXX credit card had fraudulent charges, the account was closed and the balance was moved to a new account around the same time XXXX XXXX  merged into a new name XXXX XXXX XXXX XXXX. 

Then I received a late fee notice from " XXXX '' on XX/XX/2023 stating that I owe {$40.00}. I have not idea who is " XXXX '' nor agreed with this debt. But the amount being immaterial, I paid this online through their new XXXX XXXX website on XX/XX/2023 which had my old credit card account there and subtracted {$40.00} from my checking account on XX/XX/2023. 

The next month, I got another bill with added {$35.00} late fee plus XXXX interest for a total of {$85.00}. So, I paid this online again at XXXX XXXX website on XX/XX/2023 and this was subtracted from my checking account on XX/XX/2023. 

After realizing that XXXX XXXX reversed {$40.00} and {$85.00}, I wrote a personal check for {$85.00} and mailed it ; that was deposited, subtracted from my checking account, and then XXXX XXXX rejected it. But I have never received any monetary refund or credit to my checking account for {$40.00}, {$85.00}, and {$85.00} ; totaled {$210.00} was kept by XXXX XXXX XXXXXXXX XXXX XXXX and I don't see where I got credit or reimbursement. 

And yet again, our credit report has been negatively affected by XXXX XXXX XXXX XXXX even after we made the payment and it's not clearing the account and stealing our money. XXXX XXXX no longer exist after the merger as it is now XXXX XXXX XXXX XXXX. Please help me resolve this as I have already made the payments, numerous phone calls, and even walked into the XXXX XXXX XXXX.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report even with all my repeated attempts to get this information deleted from my reports. The account listed as XXXX XXXX XXXX has a lot of inconsistencies like High Balance : {$20000.00} {$20000.00} {$12000.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as Fixed rate a loss by the credit grantor. 
Charged off account XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore an account can not report as a collection and have late payments. The credit bureaus are purposely failing to provide adequate information to reflect my credit worthiness which is causing me significant damages and they lie to the CFPB stating they have fixed the account and its information but they did not.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax claims that they investigated the inquiries listed on my report and verified them as accurate but did not provide me with any evidence to prove their claims. This a violation of FCRA. 

Equifax continue to report inquiries that are not correct. The inquiries listed below should be deleted. That are not authorized to have access to my consumer report. XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax