davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paramount Capital Group, Inc. (MO)

this was a old loan which was taking off my credit score two months ago, Paramount Capital as of this past Friday XX/XX/XXXX done a hard hit credit pull on my credit which is against the law, I did n't give permission and had no knowledge of this till I checked my credit.Paramount stated they would do what ever it took to get it back on XXXX which is also against the Federal law.once it 's removed from credit scoring it CANT be put back on, so Paramount done this to damage my credit.I want this removed completely or I will seek legal actions. for I have NOT applied for credit with this company since XX/XX/XXXX.Paramount has over stepped on a old debt.
Consumer complaint received 2024-02-28
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2015-11-20
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (TX)

Last month due to the inability to access my account through rush card for almost three weeks i occurred numerous late fees and penalties through my creditors. I have submitted XXXX bill for review through the upload and i will attach it to this as well showing that on the water bill i had a XXXX late fee/reconnect fee because my service was disconnected for non payment. Me and my kids ages XXXX and XXXX went 5 days with no running water in our home as a result to your company 's mishap. No to mention my landlord charge me a addition XXXX on the rent due to late fees that where accumulated. As far as rent goes I tried to pay my rent to my landlord and even he and I contact Unirush together and spoke to a lady from the XXXX and all she could do was tell me that there is a issue she cant pull up anything and hung up we called back three time following and each time they told us to hold and transferred us to the disputes department who does even handle that. My car note charge me an additional XXXX dollars for being late on my note they threaten repo and not only that my reputation with them is shot because i could n't give them a time frame on when my note could be paid. Unirush messed up so many people lively hood. While XXXX XXXX was at home eating with his family i had no money to pay for groceries for my kids due to his company had my money lock up. We ate noodles. I work daily and barely make it from pay check to paycheck now and then you hold my money causing me extra strife I do n't think its fair and i think you need to step up and cover the damages your company caused. At this point there may not be a XXXX cause i have to pay all this extra in late fees this outage was crippling to my family.
Consumer complaint received 2015-10-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (GA)

It was about XXXX prepaid debit card .I was so frustrated and XXXX off at the same time. It has been since XXXX wk and XXXX day. XXXX XXXX who owns XXXX debit card informed us that computer system glitch and transition failure and apologized for messed up upgrade system. Where is my {$500.00} that suppose to deposit into my XXXX card fund last Friday? I found out that my money is gone. I supppose to moved out another XXXX XXXX security deposit {$250.00}, storage, and XXXX. No money at all at my debit card. You can find on website of XXXX XXXX and will tell you what happened. There are XXXX customers file an compliant or griveance against him.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

i just want to reopened and re stored my account cause i feel it unfair to my side that they automatic close or limited my account pernamently with out letting me know as the owner as they only think there is a suspicious doin ln my account. my last transaction is i did pay to my friend that i owe some money .. they dont give any email to give requirement to fixed the problem so its unfair to my side
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (MN)

Per attachment # XXXX, Wells Fargo bank offered me a balance transfer of {$11000.00} with 0 % APR for 15 months and a transfer fee of 4 % ( = {$460.00} ). However, nowhere on attachment # XXXX, which is the offer document, does it inform me that the first payment would include the {$460.00}. Actual first payment is {$580.00}, which is a budget breaker. Of the several credit cards that I have accepted a balance transfer offer from, Wells Fargo is the only XXXX, who includes the balance transfer fee in with the first payment, which again is {$580.00} ( = {$460.00} + {$120.00} ). Attachment # XXXX is my monthly statement showing the {$580.00}. The inclusion of the {$460.00} means that is {$460.00} not available to pay on my higher rate accounts. Thus, the {$460.00} is considered a loss, if paid on XXXX XXXX, 2015.
Consumer complaint received 2015-12-02
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (MO)

A deposit was made to my new RushCard by a friend. When I tried to access the funds I could not. Then I heard about the problems RushCard was having so waited several weeks. She made another deposit to my card. I still could not get the money off. Then, the original deposit amount disappeared. While attempting to deal with RushCard on that matter, the second deposit was transfered to another card by Customer Service. I emailed customer service just to be told I needed to call. I have called, been on hold for over XXXX hour just to be told they could not help me. To email. I have mailed, emailed and called. Everyone says to contact the other ( mail said nothing, email says call, call says email. See attached documents. Final straw today. See # XXXX attached. Thanks for any help you can give me!!
Consumer complaint received 2017-02-13
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (NC)

This is a complaint from XXXX and XXXX XXXX to Specialized Loan Servicing for requesting ( 2 ) two months to respond and failing to answer and respond directly to the actual requests for consumer information that was asked in the prior complaints submitted. 
You have ignored, attempted to cover up problems, give continuous repeated answers to unknown subject requests never made. You have ignored the illegal documents I have informed you of and continue to use and rely on after proof of fraud. I have been denied my lawful right to the information of the recent introduced blank endorsed copy of alleged Disclosure and Agreement Statement ( I did not sign ) you say is mine but will not say when you obtained it. This has nothing to do with closing, PSA, or any excuses you used to avoid a truthful answer. You are deliberately forcing me to take other actions instead of answering simple requests. 
If this is due to the inability of an untrained complaint department with lack of knowledge in these matters then something needs to be done and immediate action taken regarding these most serious XXXX in this department. The recent responses lack direction, lack comprehension of content and fails to properly respond to prior and previous complaints. You can not " close '' something that never took place!
Consumer complaint received 2016-01-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (RI)

I have been called by Wachovia dealers services everyday for the past three ( 3 ) weeks. I have a vehicle loan with Wells Fargo Dealer Services, my payment are approximately {$27000.00} per month, I have been payming {$300.00} permonth for over a year now and they are still saying that payments are late and the I am accrueing late charge, they are also charging me for insurance at {$32.00} per month because they say I do not have coverage on my vehicle. My vehicle is covered with full coverage thru XXXX, and it has been proven them to them at least twice. They refuse to remove monthly charge for the insurance and they refuse to even acknowledge that my payments are not only on time but over the amount necessary. I have just received a call from them again, and I will probably get another one this evening, their phone number is XXXX XXXX. Could you please do something to make them stop the everyday calls and to research their records to see that they are in the wrong not me.
Consumer complaint received 2017-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

got first modification XX/XX/XXXX, paid all payments on time. down payment was XXXX.
and three trail payments. had to prove by copies of canceled checks. stole third trail payment to apply to bogus XXXX. down payment, I said what? not part of my modification show where, what, partial answer its a down payment, I said show me where that XXXX. down payment came from as it was not part of my modification, never got an answer, they are to answer in 20 days, 6 years not resolved.
2nd modification no interest rate, no dollar figure paid by wire 11 payments, returned 11th payment.by taking third trail payment and applying to who knows where, to a fraudulent down payment, making all further payments 30 plus days late, before I even knew about XXXX. fraudulent down payment. I only found out I was late as I tried to do automatic payments online and was declined due to being late on payments, never late! Since they made all the mistakes, I should not be penilized. I want them to honor my first mortgage modification as most of the paperwork they sent re : Senator XXXX XXXX office, XXXX, 2017 said they can not help individuals, just the people, I 'm one of the people.
XXXX XXXX, Ocwen Loan Servicing llc, if their was any oversight this issue would have been taken care of 6 years ago
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (GA)

I bought a rug in XXXX on XXXX XXXX, 2016 using my Wells Fargo Visa card. Before buying, I confirmed with the vendor ( XXXX XXXX XXXX XXXX ) that they had a return policy in place for shipments to the US and they agreed. When the carpet was delivered in XX/XX/XXXX, I found there was a disconnect between the size I had been talking to them about and what was delivered. After phone and email exchanges, we came to a mutual decision that I would return the rug to a designated location in XXXX, CA. This I did, via XXXX ( and out of my own pocket ), requiring a delivery signature and insuring the rug during transit. The vendor indicated that once I had returned the rug, I should merely dispute the charge and they would reverse it. I have documentation for all email exchanges ( including descriptions of the return process and address, XXXX confirmations of delivery and signature copies verifying the rug was properly returned ). The vendor ( XXXX ) refused to reverse the charges despite the evidence that the rug was returned to them ( which, given the evidence, makes them thieves guilty of theft by taking ). Wells Fargo let me know that they had contacted the vendor about my contesting the charges and that the issue was going to arbitration (???!!! ). I had given WF ALL of my evidence and they had no questions, making the verbal statements that it was " just procedure ''. The only other communication I eventually got from WF was a statement saying that XXXX had denied WF 's arbitration and WF subsequently re-charged my account for {$4000.00} ( on XXXX/XXXX/2016 ). I went ballistic and demanded reasoning but got XXXX from WF. After several calls, I managed to get them to reluctantly provide an " escalation path '' -- which fundamentally did nothing more than go back to their arbitration function and confirm what I already knew. Wells then just threw up their hands and said " that 's our procedure and we do not do anything else. '' HOW IS IT POSSIBLE FOR ME TO BE DENIED DUE PROCESS AND STOLEN FROM SIMPLY BECAUSE I WIELD A CERTAIN BANK 'S CREDIT CARD? AND, GIVEN MY EVIDENCE, HOW DID ANY SANE ARBITRATOR COME UP WITH A DECISION WHICH SEES ME BILLED FOR SOMETHING WHICH HAS BEEN RETURNED ( AS CORROBORATED BY A REPUTABLE THIRD PARTY )????? This is beyond anything I have ever experienced. And when I tried to pursue this with XXXX, I was stonewalled by a customer service organization which offered NO other paths to appeal. ( They even originally just sent me back to Wells Fargo -- which would be funny, except it 's not. ) In short, XXXX large banks and a vendor have managed to at least attempt the same kind of blatant thievery which sent outlaws to the gallows in the old West -- XXXX XXXX would be pround of them. The FTC/CFPB have GOT to set this right -- and why do I have to go through all these shenanigans for something which is so patently a case of a vendor gone larcenous ( and XXXX large banks being accomplices in the dirty deed )???
Consumer complaint received 2023-03-30
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 sent letters to XXXX, XXXX XXXX Equifax XX/XX/ and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly XXXX XXXX XXXX XXXXAcct. # XXXX XXXX. XXXXAcct. # XXXX XXXXXXXX XXXX XXXX-Acct. # XXXX XXXXXXXX XXXX XXXX-Acct. # XXXX XXXX. XXXX XXXX XXXXAcct. # XXXX XXXX. XXXX XXXX XXXXAcct. # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX. XXXX Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize.

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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.

If any of the purposes are not present please investigate and delete from my credit report.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (FL)

On XXXX XXXX 2021 XXXX XXXX sent a debt collections letter claiming there is a balance of {$620.00} cents from a loan they purchased from XXXX XXXX. On XX/XX/XXXX CAPIO PARTNERS reported to the XXXX Credit a bad debt of {$2200.00}.
Consumer complaint received 2015-04-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivable Management Group, Inc. (GA) (FL)

XXXX XXXX XXXX In XXXX XXXX Georgia Ran An Expensive Series Of Test In The XXXX.Without My Consent.. I Verbally Refused Treatment In The ER Numerous Times. The ER Staff Assaulted Me, Drugged Me, Held Me Against My Will And Never Ever Gave Me A Right To Dispute Notice ...
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (GA)

I hope everything 's going alright! I sent you a dispute letter on XX/XX/2021, but I haven't heard anything from you, and its been over XXXX days already. I await for your response and I need those errors on my report to be deleted as soon as possible. I am reattaching my most recent dispute letter so please check and conduct a proper investigation.
Consumer complaint received 2015-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I recently visited XXXX shopping to buy a new home and was told that I had to get a loan through their " preferred lender '', Wells Fargo, to receive the builder incentive of 1 % of the purchase price. I later found out that the builder supposedly has a " marketing arrangement '' with Wells Fargo, which sounds like a form of " kick back ''. I have friends that work for Wells Fargo who explained to me that loan officers on the XXXX XXXX accounts have special treatment not only by the builder but within Wells Fargo and makes much more in commission than other loan officers. They supposed get favorable treatment starting from pricing, to processing, underwriting, appraisal, etc. It does n't seem like an ethical arrangement to me.
Consumer complaint received 2015-10-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I am very concerned regarding the serious possibility that you have not followed thepermissible purpose provisions of the federal FCRA. A credit inquiry for SPRINGLEAFFINANCIAL was placed within my credit file in XXXX, 2014. The Act specifies thatyou must document your reasons for including such items on my report and, when inerror, remove them as well. I am depending upon XXXX to follow the law : Eitherprovide documentation that the law was followed by contacting SPRINGLEAFFINANCIAL at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I was going through Wells Fargo to refinance my home. During the process, I was deceived and flat out lied to on at least XXXX occasions. The major lie was made when the appraisal of my home came in lower then expected. I was instructed by my loan officer that I needed to submit a letter to the appraisal company disputing their appraised value of my home. I wrote the letter and sent it to Wells Fargo like I was instructed to do. They were supposed to send the letter onto the apprasisal company. After asking numerous times what the outcome was of the dispute, I was told in writing that, they would not budge on the appraised value. After going back and forth and asking for the dispute denial in writing in turned out that Wells Fargo never sent the dispute letter to the appraisal company. After speaking to the appraiser again, he stated in writing that had he got our letter he would have changed the value. Because my home did not appraise for what I needed it to appraise at, I then had to buy down points in order to stay of of off sheet interest rate pricing. Wells Fargo was extremely deceptive and lied to me on numerous occasions.
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc. (CA)

Sony Card ~XXXX XXXX transferred to Comenity Bank in XX/XX/2019. 

Did not receive new credit cards or notices that Sony Card was  transferring its ' credit card accounts to Comenity.

Credit cards were requested several times.

No billing statements were ever sent by Comenity.

My payments ( 2 ) were not accepted by Comenity, as I had a wrong routing number for my on-line checking account. 

Comenity has suspended by use of the Sony Card, even though I now have a {$0.00} balance. My account is frozen for three months.

I have called Commenity many times ~ always the same answer ~ that's our policy. No one here can change that policy.XXXX
Consumer complaint received 2017-08-13
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. (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

XX/XX/2024 I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

Remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX Open Date : XXXXXXXX XXXX XXXX Balance : {$0.00}. Please remove.