davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

Went to Wells Fargo to open an account with a representative, explained to her I came to the bank to open an account to receive direct deposits from my job. I excplictely told her I only want a checking account. About 3 weeks later I get notices in the mail and I see I have a savings, and a line of credit open. I call in to Wells Fargo and explain the whole ordeal and was very frustrated. I got my account removed. 

I went into another branch because I did n't feel comfortable anymore in that store. The agent told me I was not able to open anymore line of credit for a long time. 

I should not be punished for closing an account, when I had no idea it was open in the first place
Consumer complaint received 2017-05-08
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: FACTUAL DATA CORP. (IL)

I just wanted to put in a complaint about the hard Inquiries that are affecting my credit score I have not given authorization to half of these lenders. Please have them remove From my credit report.
Consumer complaint received 2022-10-28
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)

I have sent an identity theft affidavit with a police report number attached to XXXX XXXX several times and Equifax, XXXX and XXXX and this account still has not been removed from my credit report. This account is illegally on my report and I want it removed immediately!
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-10-02
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX account # XXXX, has violated my rights. XXXX account # XXXX, has violated my rights. XXXX  account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.
Consumer complaint received 2020-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

RMP LLC CALLED ME TODAY ABOUT DEBT, DIDNT VERIFY ANY INFO ON THE PHONE BUT TOLD ME I OWED A DEBIT.. VERIFIED THEY HAD THE WRONG ADDRESS.. ASKED IF I COULD TAKE CARE AND GET REMOVED FROM MY CREDIT AND THEY TOLD ME NO.. I HUNG AND CALLED BACK THE NUMBER THAT CALLED ME ( XXXX ) AND SAID THE NUMBER WAS DISCONNECTED.. SO I THOUGHT WAS A SCAM ... LOOKED UP THERE NUMBER.. CALLED BACK TO UP DATE MY ADDRESS AND GET A BILL THAT IVE NEVER REC. ONE OF THE REPS SAID THEY WAS CALLING FROM HOME THAT WHY THE NUMBER CAME BACK DISCONNTED.. THATS A LITTLE CONSIRING TO ME THAT MY PERSONAL INFO IS AT SOMEONES HOUSE ... WHICH SEEMS WRONG AND EVERY WITCH WAY ... CAN YOU PLEASE HELP ME..
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank Checking, ( 2 ) Savings and ( 1 ) CD : Private Client Status Owner : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX TX Date of incident XX/XX/XXXX All Acounts have been with Chase for the last 20 years under " XXXX XXXX XXXX XXXX XXXX XXXX '' without any changes. 


- On XX/XX/XXXX I tried to use my debit card, and it was declined. My checking balance was over {$4400.00}, so I contacted my Banker XXXX XXXX XXXX. After calling Chase Corporate, He advised all of my accounts were restricted due to a missing document that was now required for the XXXX Chase never advised me of this requirement, nor did they call my Banker or notify him of the account restriction. 

- I went to the bank on XXXX and XXXX, and XXXX ( the bank Manager ) tried to find out what was missing. A new form, called a " Certificate of XXXX, '' was needed, so I downloaded the form, completed it and had it notarized at the Bank on XXXX. The Certificate form and a new copy of the XXXX were scanned into the bank 's imaging file and Chase was supposed to release the restriction on Monday upon review of the documents. 

- On Monday, the Chase Executive Complaint Group called me and said they had the certificate but didn't have a copy of the XXXX The original ( unchanged ) XXXX  document was already in their files, and they had been sent another copy on XXXX by XXXX. 

- It was clear I wasn't going to resolve this and I had no access to any cash or accounts, so I went to the branch, and the branch Manager removed all but {$1.00} from every account and gave me cashier 's checks, which were then deposited at new accounts at XXXXXXXX XXXX 

- I then redirected all deposits to XXXX, but three pension and SSI payments would take 1-2 months to complete the change. Since then, deposits have come into the Chase account, and they have held them for over 3 days before rejecting them. The transaction time from their receipt of the deposits to the time these issuers send a check to me directly may be up to 8 weeks, leaving me without income for 2 months. 

- The accounts remain restricted. Chase will not close them so that deposits are immediately returned, nor will they deposit them into the accounts so that I can do a withdrawal. They hold the deposits, so they earn interest and then deprive me of access to any money. 

-As of XX/XX/XXXX, this situation is unresolved, and Chase should be fined for continued restrictions on the accounts to allow me to have the deposited cash or close the accounts.
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

We had a vehicle totaled with USAA. The USAA insurance finally paid the USAA auto loan to pay off the loan. It is currently showing as a XXXX balance. The agreement has been signed and was originally sent over 3 weeks ago. I contact USAA to get the over payment back. They took an auto payment they should not have and are now saying it will take over 2 weeks to process the refund of the payment. This is unacceptable. They continually advertise their fast and actuate claims payouts. I have not seen this at all. Now these incompetent people are refusing to issue a refund in a timely manner. The payment has posted to the account so they obviously have the funds.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against you!
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (FL)

They keep sending me credit card offers and sweepstakes telling me if I opened an account I could be entered I had my refund deposited into Thier account and they kept asking me to set up an account like I never did and then with they kept saying my approval odds were good to excellent to get a credit card and I got denied credit karma has been doing this to me for the past XXXX years on and off
Consumer complaint received 2022-10-28
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. (IL)

after submitting request to delete all you said you deleted you come up with this stuff XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX i dont have a card from XXXX XXXX so they should be deleted and i only have 2 cards from XXXX  so 2 are good and 2 arent
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (NY)

On or about XX/XX/XXXX, I submitted a dispute to Experian indicating that information reported by XXXX XXXX XXXX  was not valid or accurate. On XX/XX/XXXX, I received a reply from Experian stating that they verified the information as accurate and therefore would not modify the report. My dispute is based on a XX/XX/XXXX letter I received from XXXX XXXX  ( copy attached ). The letter stated that based on their information, they were instructing each of the credit bureaus ( including Experian ) to delete the account from my credit record. I sent this letter to Experian, yet they replied indicating that the letter from the creditor was not sufficient to cause them to delete the record and that further investigation verified that the record on my credit report as accurate. The letter from the creditor stating that the record should be deleted should be sufficient and final. Unless Experian has some reason to question the validity of the letter itself ( which it should NOT ), Experian has no basis or need to further investigate the creditor 's decision and instruction to remove the record. It is simply absurd and over-reaching for Experian to become involved in the particulars of the dispute after the creditor has acknowledged in-writing that the reported information should be deleted from the credit file. The continued reporting of this invalid and negative information on my Experian credit report is impacting my credit score and unjustly interfering with my ability to obtain financing. The creditor itself has indicated in-writing that the item should be removed from my credit report entirely, yet Experian is refusing to do so.
Consumer complaint received 2020-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received a response letter that listed itemized medical procedures that BELONGED TO SOMEONE ELSE. My second letter, replying back to the clear HIPAA violation and lack of Validation, requested them to mail me a deletion letter. I have received no response.
Consumer complaint received 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

my mortgage loan was recently transferred to Nationstar Mortgage LLC ( dba Mr. Cooper ). Mr. Cooper recently announced about a highly expensive force-flood insurance that we have to pay to provide protection for the mortgage, stating that they would not purchase it provided that we buy our own flood insurance and provided them with evidence. We have successfully provided them the evidence that our current insurance does include flood protection but Mr. Cooper chose to ignore it and carried on with obtaining a more expensive premium.
Consumer complaint received 2022-10-28
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. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I FILED A DISPUTE AND I DIDNOT GET ANY RESPOND.THE INVESTIGATION TOOK WELL OVER 30 DAYS. THESE INCORRECT ITEMS ON MY CREDIT REPORT AND ITS HURTING MY PROFLIED.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (CA)

I am a HUD approved housing counseling and have been working with XXXX XXXX to assist with her mortgage situation. I have faxed a third party authorization to M & T Bank XXXX times first on XXXX/XXXX/15 have confirmation sheet it was received and they I call to speak to someone regarding the file and was told they did not show authorization on file. I faxed the authorization a second time on XXXX/XXXX/15 again go a confirmation it was received but they are stating they do not have authorization on file. This has happened to me on other file I have been working with M & T Bank so they seem to have a pattern of not getting authorization even though we have verification they received.
Consumer complaint received 2016-05-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NY)

On XXXX/XXXX/2016 my elderly mother XXXX XXXX XXXX sold her home. I am her son and Power of Attorney XXXX XXXX. As part of the process we needed to close out her Home Equity Line of Credit with " M and T '' Bank ( Line of Credit Account Number XXXX ). After much difficulty we finally got a letter from M & T with instructions to pay {$33.00} as the discharge and satisfaction fee. We paid this amount immediately, and it posted to her account on XXXX/XXXX/16. I then made several attempts to have the account closed to no avail. Finally a branch person, contacted the Home Equity division at my request and she assured me that the loan would be closed. I waited 2 weeks and still the loan was not closed. I again contacted my branch person and she checked again with the Home Equity division and discovered they had taken no action. Finally on XXXX/XXXX/16 my branch person emailed me saying the loan was closed, but still there has been no recording of the loan closing made with XXXX XXXX. We paid the {$33.00} discharge fee and expect that the closed loan would be recorded with XXXX XXXX. Please help make this happen.
Consumer complaint received 2022-10-28
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. (MS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

I have a letter dated  XXXX / XXXX /  XXXX   that notifies me that there was a negative item added to my report.     On  XXXX / XXXX /  XXXX   I have attempted to contact Experian by both phone and their online system. Their online system is not willing to take my requests ( it is being rejected by the company ) and the phone system is not able to reach a human being in order to resolve the issue that I have currently.     Basically the company has designed a system that is so difficult to use that an average consumer would give up trying to dispute incorrect items on the report.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

XXXX I have XXXX XXXX on a payment plan for {$260.00} through XXXX XXXX XXXX with their payment plan. I had to pause the payments until I get well due to sickness. XXXX XXXX keep flagging my credit report that keeps dropping and damaging my Credit Report and Credit score I have proof
Consumer complaint received 2022-10-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (CA)

The following Account is in violation of the FCRA. 
Account name : XXXX XXXX XXXX This account is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days.

In accordance with the fair credit reporting at XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2020 I called on numerous occasions to get answers about the misreporting of my personal credit score to the Small Business Administration. They have been reporting my score more than 95 points under what they are showing me in my Experian  Membership Profile. My Report Score on Experian Membership Profile : XXXX as of XX/XX/2020 however the letter from the SBA says the Experian Credit Score : XXXX as of XX/XX/2020. That is a very significant difference. Each time that I have called they have found some reason to transfer me and place me back on hold for extremely long periods of tine WITHOUT even asking me what my issue is. After waiting on hold for a Supervisor over 1 hour today, she then proceeded to also answer the phone and insist that she could not help me much before even listening to my issue. She REFUSED to listen. She then hung up in my face! Her name is " XXXX '' and I called GA. This has got to stop, these people are supposed to be there to help customers however they are becoming just as evil as ever before now!
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Lease
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 (IL)

Re : XXXX Wells Fargo provided a letter indicating they had no interest in my vehicle. However it is not adequate to clear my title.

I am trying to clear my title and I contacted The Secretary of State. I was told I must obtain a proper release from Wells Fargo. See email comments below. 
Wells Fargo should contact XXXX, XXXX XXXX with any questions about how to prepare a proper release. 

-- -- -- -- -- -- -- -- -- -- -- -- -- XXXX, XXXX XXXX To : XXXX XXXX ' Fri, XX/XX/XXXX at XXXX XXXX We need a statement from Wells Fargo that is wet ink signed by an agent from the company that lists the full VIN. 

XXXX XXXX Office Operations Supervisor Electronic Registration & Title XXXX : XXXXXXXX XXXX XXXX XXXX