davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IL)

Mortgage banker has completely blown off contacting or dealing with my loan after failing to give correct information and details about approval, loan, appraisal. Was quick to get the loan approved and take my payment and there after said a third party needs to review now due to him overlooking converting to another FHA loan. Said no one has been assigned and could not give a date on when I'd be contacted. The day I applied for loan it was call after call after call to get documents and money available to close and paid for the appraiser and now nothing. After I said I'd like to cancel the application seeing he could not give me any info and he told me the appraisal wasn't scheduled until XX/XX/2020 he said someone will contact me and nothing else can be done. Not more than two hours later an appraisal quote comes back so the money can not he refunded. How does this make sense. Still have no idea and no contact of what's being done with the loan. Already took a credit hit and signed purchase agreement on a loan I was told " you have to trust me. I do this all the time and there's no reason this loan is not going through ''. Contact quicken loans customer support to speak about the loan further and no one is willing to pass my case along. This is a scam and this point and all they look to do is take your money and blow you off. How do you approve someone in minutes. Run credit. Review credit. Charge me hundreds of dollars go MIA.
Consumer complaint received 2022-08-05
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2020 a deposit account was opened with Wells Fargo with a {$50.00} opening deposit that posted to the account on XX/XX/2020. In subsequent weeks, beginning on XX/XX/2020 the account began receiving benefits from the Department of Labor.  These direct deposit transactions were for third parties who have given authorization for these benefits to be deposited into this account on their behalf, while they were in the process of opening bank accounts of their own. Weekly payments were routinely deposited into the account with no withdrawals. On XX/XX/2020, Wells Fargo informed me the deposit account was slated for closure by XX/XX/2020 due to " one or more money transfers to your account reported as unauthorized. '' I contacted the Department of Labor at XXXX EST on XX/XX/XXXX and confirmed that the transfers into this account was authorized and not in dispute. I then confirmed with the third parties their continued authorization. Upon speaking to an agent in the Prevention Contact Center at XXXX EST on XX/XX/XXXX, I was informed that I would need to come into a branch to prove my identity. I scheduled an appointment the same day and met with XXXX XXXX at the branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on Wednesday, XX/XX/XXXX at XXXX, who informed me, after conferring with his manager and his contact at the Prevention Contact Center, that I would need to return with the third parties in order so that they are able to confirm their authorization in person, to a Wells Fargo representative. Upon doing so, access to the funds would be restored. The same day, at XXXX EST, I confirmed this with an agent at the Prevention Contact Center. 

I informed all parties that one individual was immunocompromised and would have severe difficulty in coming to the branch and was told that a fax containing the required documentation would not be sufficient and that despite her age and preconditions, she would need to come in person to a branch. 

I arranged transportation for all parties to come into the branch with two forms of identification, as asked, along with confirmation of authorization from the Department of Labor. On XX/XX/XXXX and XX/XX/XXXX, I met with XXXX at the aforementioned branch, who reviewed the case and confirmed the account would be reinstated if all the necessary documentation was provided before XX/XX/2020. This was doubly confirmed by an agent that he spoke with at the Prevention Contact Center. He made copies and faxed over the necessary documents during each visit. On XX/XX/XXXX at XXXX EST, I went into a Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and was informed that despite providing all of the necessary documentation, the account would continue to be restricted. As of today, XX/XX/2020, the account continues to have all withdrawals restricted.
Consumer complaint received 2020-08-23
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. (FL)

I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/fraud attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks  already. Equifax has not responded to my request nor have they removed the remark. XXXX and XXXX have both responded and both removed the negative remarks.
Consumer complaint received 2020-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (CA)

I have spoken with Money Lion about this several times and they have not provided a response. 

1.I have tried to cancel mymonthly membership wuth money lion but they say I have to keep the money membership that costs {$20.00} if I have a loan with them. They refuse to cancel the membership. 

I have not been able to find any of this information in the loan documents and when I ask where the info is located I get told it's on moneylion.com and that's it. 


2. They also reported the loan 30 days past due. On there online app it shows the account paid as agreed but they still reported ... 

I also have maid multiple payments on a due date that do not reflect on there online app.. 

3. They also say that once I pay off the loan the will hold XXXX in escrow until I pay all monthly membership fees..this is is in none of the papper work I signed. 

... I filed an internal complaint to remove the late notice from my credit as the loan always shows current and asked they cancel my membership but they wont do these things ... can you please help. 

I
Consumer complaint received 2020-07-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (PA)

Pnc apparently stopped me from using this resource. Its not your call. Allow XXXX. Some of us arent making the same after covid and you XXXX  blocked this. Pnc needs to stop. Youre not helping small consumers
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On the morning of XX/XX/20, I called Wells Fargo because I noticed an unauthorized transaction in the form of an Online Bill Pay to a XXXX  XXXX XXXX credit card in the amount of {$3000.00}. I have never owned nor have I ever been affiliated with any XXXX XXXX XXXX product. I filed a claim and received case number XXXX. Wells Fargo said it will take anywhere from 10-15 business days to process the claim. 

On XX/XX/20, I received a letter from Wells Fargo requesting that I fill out an Affidavit of Online Fraud. I promptly filled it out and faxed it over on the evening of XX/XX/20. When I called Wells Fargo on XX/XX/20, they had confirmed that they had received my Affidavit. 

On XX/XX/20, I called Wells Fargo to inquire about the status of my claim. The agent I spoke with told me that the claim had been closed, but was unable to state whether the case accepted or rejected my claim. As a result, the agent filed a new claim for me ( case number XXXX ). Additionally, I filed a police report with the XXXX Police Department ( permanent case number XXXX ). The XXXX Police Department classified this as a case of identity theft. 

On XX/XX/20, I received a letter from Wells Fargo confirming that my claim was rejected because " our research of this Bill Payment shows that it was requested through a secure online banking session using your username and password. After reviewing all information available to us regarding this transaction you are disputing we have determined that this transaction was made by you, or someone who had your authorization. '' Clearly, if someone requested an Online Bill Payment, they somehow gained access to my username and password. Just because someone gains access to a username and password does not mean that it is authorized access. That's the equivalent of saying that if a fraudster finds your ATM PIN and withdraws money, it is an authorized transaction because they gained access to privileged information. Additionally, I submitted a legally binding document through the Affidavit of Online Fraud. This is a legally binding document that I signed and submitted to Wells Fargo. If the transaction in question truly is not fraudulent, I would be perjuring myself. This would not be in my best interest as I submitted a police report ( again, permanent case number XXXX ) regarding this very transaction.
Consumer complaint received 2020-08-23
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: Self Financial Inc. (FL)

XXXXXXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX  or the Self lending app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened :XX/XX/2020 Original Loan Amount : {$720.00}
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

During the month of XXXX of 2020 I was made aware of an attempt to collect a debt on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX reports that I have an account with them and I do not. 
his was falsely placed on my credit file over 3 years ago and was successfully removed once already. 
The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with XXXX XXXX therefore there is no change to account #, or amount of debt because I've never had any business with XXXX and this has been taken care of once already. 
This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They had no proof of this being a debt of mine. I was a victim of credit fraud and itr has been well documented.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a disputes with Equifax on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX regarding discrepancies and inaccuracies on my Equifax credit report. I am showing an unauthorized inquiry from XXXX XXXX from XXXX of XXXX that I did not request or approve of. I have previously registered this issue with the Consumer Financial Protection Bureau. Im also showing a Closed Account from XXXX that should not be on my credit either. After 20 days of not being able to verify ownership with this group, they simply update the information of the entry notifying my dispute of the account and the information.These items need to be removed from my credit report. It is potentially affecting my chances with employers. Im not confident in the Equifaxs process of reviewing the factuality of these credit report entries.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I have been attempting to contact Discover about a reoccurring XXXX charge. I work daily so I attempt to use their suggested online chat function. 

I contacted XXXX earlier this year and they confirmed my account with them is cancelled with no billing on it, but I still am receiving charges. They advised me to contact discover for help. 

I first contacted them in XXXX through the chat. Not only is their chat function poor and continually passes you around to different associates, who all proceed to ask have you tried to contact them? When did this happen? 

Literally for months, I let them know it isnt resolved and still need help. They then ask the same questions I have answered and then the chat drops, looks like it was resolved! Do you want to talk to another associate? 

I keep telling them it isnt and today I told them I need to do this otherwise i need to cancel my card. They proceeded to ask if I contacted XXXX this is XXXX months of fraudulent billing and they refuse to assist whatsoever
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

i sent off {$100.00} on Monday XX/XX/2020 and up today the money is not in the account of the person I sent it to and I can not reach anyone on Paypal to solve this problem. This was a case of emergency due to medical concerns and I have decided to complain about this company that I need a full refund including the fee they charge for sending it. 

They said that is due to the covid 19 situation due to skeleton staff but I was not told this before I sent the money. 

i am really mad and I wish I had done it in a different way..
Consumer complaint received 2020-08-23
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. (GA)

I can contact the Equifax dispute department by phone and I ran into a brick wall. The agent ( from another country ) was incompetent and did not speak English well. I'm disputing 11 hard inquires I noticed on my credit ledger. I did not release my personal information for no new credit. However, there are duplicated inquires from the same company in the same month and day. I was told Equifax doesn't handle disputes regarding probing unauthorized hard inquires. 
Here 's a list of unauthorized inquires on my credit ledger. 

XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XX/XX/2020 XXXXXXXX XXXX XXXX  XX/XX/2020 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (PA)

On XX/XX/2022 at around XXXX eastern time, I called Experian on their phone number XXXX XXXX XXXX to question why there is an active account dispute in process which i did not authorize? I received an email and confirmation that they created a dispute process without my consent and authorization. I told Experian that they are to cancel, revoke, and/or rescind their dispute that i did not authorize or give them permission to do. There is record of my self and Experian on XX/XX/2022 talking by telephone that can verify when we were communicating. And there is NOTHING in our conversations that show that i gave permission to Experian and their employee XXXX. Consent to pursue a credit account dispute was never given to Experian.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (TN)

1. XXXX XXXX XXXX XXXX financed a XXXX XXXX XXXX through Exeter Finance for XXXX $ US at a 18.75 APR % **APR State limit for TN 10 % **No income verification **Willingly and Unlawfully mislead XXXX XXXX into a Unfair Loan 2. For 52 months XXXX XXXX XXXX XXXX $ equating to XXXX $ U.S. ( Borrowed amount Payed back XXXX {$3.00}. In XXXX Exeter Finance was sued for Usury by AG. XXXX  office in Massachussets. She secure over XXXX XXXX for consumers in the Mass state for these exact same allegations.- ( XXXX Exeter Lawsuit ) 4. XX/XX/XXXX Corona virus caused XXXX XXXX lost his job as well as extending his licensing process for over 6 months. XXXX XXXX notified Exeter immediately asking for a freeze on account or some kind of extension until the Pandemic eased up and he could get his state license and working again. Exeter denied XXXX XXXX request on mutltiple occassions. 
5. In XXXX/ XXXX XXXX XXXX began to be able to work again and reached out to Exeter once more to pay and they denied allowing him to do so. 
6. XX/XX/XXXX " Subprime auto lender Exeter Finance has agreed to pay more than {$6.00} XXXX in two states for financing auto loans that the lender knew or should have known were unfair. '' 7. XXXX Lawsuit investigation on Exeter Finance has been spread to 36 states. 
8.XXXX XXXX XXXX XXXX XXXX repossessed, company has not reached out to allow him to get belongings from the vehicle such as, Two car seats, electronics and important documents. 
9. XXXX XXXX has also personally bought multiples parts for the vehicel such as Tires, Starter, battery bumper, left side driver door, ball and hitch this is not an all inclusive list.