davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

Summary : Wells Fargo Bank denied my credit card application because I did not submit a telephone number to receive messages from them, after their representative told me I could apply without doing so. The representative and her superior later identified the lack of telephone number as the reason for denial. I was sent a false letter by the Bank giving me a deadline to agree to submit the telephone number, when the application had already been denied when the letter was sent. This denial is the first I have ever received over 35 years of using credit cards, and will damage my credit score. 
XXXX XXXX, XXXX : Applied for XXXX card after receiving promotional in the mail. Provided all information in detail, but refused my cell phone number for privacy reasons. Representative said the application could be made without it. 
XXXX XXXX, XXXX : Date of letter from Wells Fargo telling me I had until XXXX XXXX, XXXX to provide my cell number for the application or it would be rejected. 
XXXX XXXX, XXXX : Date of my receipt of that letter. I called XXXX immediately and by chance got the same representative, " XXXX '', as on the XXXX XXXX call. I asked to cancel the application, since I did not want my cell number used. She informed me she could not cancel it. The call was escalated to a supervisor, who told me the application had already been rejected. The XXXX XXXX letter was a clear falsehood. The supervisor apologized pro forma, said " the system '' had generated the false letter, and told me nothing could be done. 
I have had dozens of credit cards over 35 years, including one continuously since approximately XXXX. I have a high credit score, and am XXXX. It will be damaged by this action of XXXX.
Consumer complaint received 2022-09-07
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-09-07
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. (GA)

I am a natural person, I am a living working human being who has rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile Getting my annual credit report i noticed these items was placed back on my credit report without my knowledge or nothing was sent to me.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I received a deposit from The Social Security retirement on XX/XX/2022 and the same day someone without my permission used my card to buy an unauthorized purchase at XXXX XXXX on XX/XX/2022 for the amount of XXXX. I called the bank to make a report and they did not helped me, they created a claim # XXXX and they close the claim in 5 minutes stating someone used my pin # and my card chip to buy XXXX XXXX XXXX. when I went in person to the bank and the employee stated all they can do for me is move my direct deposit to my savings account instead of the checking account but they will charge me for every direct deposit from the Social Security office. the bank did not made an effort to assist me with this issue. I went to the police department in XXXX XXXX and open a case # XXXX police dept. stated they will contact XXXX XXXX and investigate the transaction and look at the security cameras, they will call me when they have any outcome. I don't feel valued as a client and the bank failed to protect my money. Thank you for your assistance. XXXX XXXX
Consumer complaint received 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I have a direct student loan held by Edfinancial with a remaining balance of {$9900.00}. On XX/XX/XXXX and on XX/XX/XXXX I requested a timely refund for payments made on the account since XX/XX/XXXX, in the amount of {$9200.00}, as allowed by the Dept of Education. This request was clearly made in the hope of being able to make a request of my full eligible amount of student loan cancellation as outlined by the Biden administration. Edfinancial has responded with saying they will at earliest be able to process the refund and have that reflected in my loan balance in at earliest 150 business days, which is an unreasonable timeline compared to other loan servicers.
Consumer complaint received 2022-09-07
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. (NV)

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. The date of last activity shows a six month difference in the reported dates across all three bureaus. How is this possible if the bureaus are getting their information from the same source, XXXXXXXX XXXX I have written letters to XXXXXXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

i sent Equifax a dispute on XX/XX/2015 . that I was a victum of  identity theft, fraud, etc. I sent them a copy of what was incorrect and they sent me a generic response of a letter stating that the information is factual record of file access. No its not why would I have to contact the creditor directly. Please remove the inquirys in question off my report  I want this researched and removed. if there is anything incorrect on your report we are suppose to the advise the credit reporting immediately and I did and per the fcc rule this information must be removed
Consumer complaint received 2022-09-07
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. (NJ)

I am so sick and tired of Equifax, XXXX and XXXX violating my consumer rights over and over again. They are lying me stating they have done an investigation to verify the accuracy of these late payment when in fact I KNOW they are lying. I have been in dispute with getting the following late payments REMOVED and updated on my consumer report. Late Payments removed from : XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX and XXXX XXXXl # XXXX They have violated so many of my consumer rights but here are a few : 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to : 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
Consumer complaint received 2022-09-07
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 XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Sections 604 A Section 2. It also states a consumer reporting agency can not furnish a 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 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I tried to get an copy through Equifax but everytime it tells me that the information is invalid. I sent in an copy of my driver license to Equifax and they still do not have my information correct nor am I able to even get online line to dispute anything. I have no problems with the XXXX or XXXX, just Equifax. Every year its a problem and it is not fixed yet and the information is outdated and not up to date and the reason I know is because of the low credit score that I have with them.
Consumer complaint received 2022-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I had a dr in office routine visit post pandemic with XXXX medical that resulted in {$1000.00} plus of charges after insurance. I called the dr office to understand the charges. I never got any call backs or explanations. No-one explained the charges or checked upfront ( as requested ) that insurance would cover the exam. Next I know there is a debt reported on my credit for under {$500.00} this XXXX and no-one from progressive management systems called me to try to resolve the issue. Very disappointing.
Consumer complaint received 2022-09-06
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX ( 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
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NV)

I had a loan with XXXX and experienced hardship and requested a loan modification. The State of Nevada Modification Program held a hearing where XXXX stated that they did n't have the title to my property. I was halted due to the fact that they were unable to find the title for several years. 
After they claimed that they found the title it had been transferred to XXXX. I have been attempting to get my home loan modified since and their servicing agency which has been changed several times now continues to break laws governing modification and foreclosures. 
They are now stating that they have closed my file because there is a credit lock on my credit reports. 
I have confirmed with all XXXX credit bureaus that this is not the case. Although the credit bureaus wo n't give me anything in writing stating such. 
I have provided my mortgage company provider which is not DiTech a copy of my credit report from all XXXX bureaus and they refuse to accept the reports and have closed my modification file. I am now facing foreclosure.
Consumer complaint received 2022-09-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Spring Equity LLC (KS)

File was denied due to credit score ( when I applied that was not the case or they would have denied at application ), when in fact it was because they missed the FCRA deadline for a credit decision. So they issued a new loan package, with higher rate/fees, and 20 days after that denied the loan without specific reasons or any call from lender. We received the adverse action notice roughly 10-15 days after and said simply loan didnt meet guidelines- zero further explanation or communication, so this was on roughly day 60 from the initial application. I asked for specific reasons for denial and never received any further communication. The customer service was a lot worse than all of this, but I plan to seek legal recourse for damages.
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (AZ)

Called the company multiple times since a payment was made from my end twice to my account. 

The company is Movement Mortgage I have asked for a refund multiple times for the amount of XXXX The company keeps diverting me to multiple people with no response Loan number : XXXX
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Equifax Information Services , LLC XXXX XXXX, GA XXXX ATTN : Legal Department File No. XXXX I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$8500.00}. This ACCT. was charged off listed with wrong balance please delete. 
2. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$1200.00}. ACCT. was charged off listed with wrong balance please delete. 
3. ACCT. NAME : XXXX ( XXXX ). BAL : {$440.00}. ACCT. was charged off listed with wrong balance please delete. 
4. ACCT. NAME : XXXX ( XXXX ). BAL : {$420.00}. ACCT. was charged off listed with wrong balance please delete.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RSI Enterprises, Inc. (CA)

I have contacted this creditor multiple times to have this account removed from my credit because me and the creditor RSI Enterprises INC came to a settlement agreement in which I paid {$370.00} to have this collection removed from XXXX credit report several months ago. The agent I spoke to name is XXXX and her direct line is XXXX
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

My wife died 2 weeks ago and she had our Sam 's Club credit card in her name. I now have to get one in my name so I applied. Synchrony bank said I had to get a smart phone and do a facial recognition video or hire a notary to verify my identity. I don't have a smart phone and I find facial recognition an invasion of my privacy. I don't think making people hire a notary is fair to open a credit card. We never had this before. My credit score is over XXXX. I find Synchrony bank to be discriminatory in this matter. I think they are using big tech and A.I. to suppress people. This is based on a phone conversation with " XXXX '' on XX/XX/22.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

On the week on XX/XX/2022, I have tried to make several attempts to deposit different checks via atm to my Wells Fargo Checking account and online mobile bank and it would not allow me. Also, my debit card seemed to be put on hold for " aribitrary '' flags put on my debit card for fraudalent transactions.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have been disputing these accounts for the longest with Equifax, XXXX  and XXXX. I have 3 seperate student loans accounts through XXXXL that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/GL on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. Equifax actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while Experian has XX/XX/XXXX and Transunion XX/XX/XXXX. Equifax doesnt have the months term included. Date Last Active are all showing different dates for all XXXX accounts. Transunion has XX/XX/XXXX, Experian has XX/XX/XXXX while Equifax has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by Equifax on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.
Consumer complaint received 2022-11-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prime Recovery LLC (TX)

Took out a loan with XXXX XXXX on or about XXXX in the amount owed of {$1000.00}. Was unable to repay the loan and it was turned over to collection. We finally were able to pay a compromised amount of $ XXXX % of the amount owed. At the same time XXXX XXXX turned our loan over to other collection agencies. A second agency attached fees and demanded {$1800.00}. We only had 1 loan and as such only paid from the original amount. We paid the debt on XX/XX/XXXX and received from XXXX XXXX a letter stating the matter was closed and it is dated XX/XX/XXXX. We are now being harassed by Prime Recovery LLCXXXX XXXX. They are also harassing my XXXX XXXX XXXX mother. On XX/XX/XXXX I send a letter and documentation stating to " Cease and Desist '' with proof of our payment. The letter and documentation was received by Prime Recovery LLC 's office on XX/XX/XXXX at XXXX. I am now keeping records of all calls to our home, emails, cell, my husbands work cell and to my mother. Just today they contacted my mother 4 times.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

Made an online purchase on XXXX-22. XXXX XXXX via Wells Fargo website. I soon discovered that the purchase was fraudulent. Contacted WF for resolution. They opened a fraud claim that was denied for reimbursement on XXXX22. I contacted them again to argue my claim. Agent stated they dont refund these types of transactions!! I deactivated my XXXX account, as I will never use it again for any transactions. It has exposed its nasty underbelly to me!!!
Consumer complaint received 2022-09-06
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$950.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since XXXX! Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly 25 minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.