davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

I am writing this complaint because I am a loyal costumer of Wells Fargo and have been for years. I recently feel very strongly that Wells Fargo is mismanaging my account and stealing from me for there own benefit. On XX/XX/2021 Wells Fargo charged my account with a reversal " payback '' credit in the amount {$600.00} and then again for {$370.00}. This situation then brought my account to the negative balance of - {$840.00}. I opened up my account and to my surprise there was NO funds available. I reached out to Wells Fargo immediately I was told by a teller and a financial analyst by the name of XXXX XXXX that on XX/XX/XXXX the money I am seeing come from my account is a reversal of a temporary loan I received each time I received a government stimulus check. My problem is, had I receive proper notification of when this money was to be paid back I would've had adequate funds present in the account. We all have technology whereas we can see if emails were opened and/or received. Wells Fargo can see ALL activity happening in my account before I do. Their computers are far more advanced then their mobile app. I was Never aware these funds would come out of my account on said date, Wells Fargo should have PROPERLY notified me via text, and /or phone or email. This has really cause me financial hardship. I requested a freeze of all withdrawals on my account to be stopped, which I was told there is no possible way. I've attached documents proving how negatively this has effected my daily life. I have received numerous emails from Wells Fargo in the past about unpaid debts, overdraft fees and even promotions, I strongly believe I personally did not receive a date emailed to me about this reversal fee because their intentions were to steal from my account for their own gain.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I sent a letter in XX/XX/XXXX and XX/XX/XXXX advising that I obtained my credit reports from all 3 credit bureaus XXXX Equifax and XXXX advising that I found inaccurate information on my credit report about my name address, and birthday. I asked that you remove everything that was not listed on the verification documents I sent in which were my Driver 's license, social security card, and a piece of mail that had my current address. All old addresses needed to be deleted as they aren't accurate.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to escalate my ongoing concerns regarding the discrepancies persisting within my credit report, as previously discussed via the Consumer Financial Protection Bureau ( CFPB ). It is with deep consternation that I continue to encounter unfamiliar entries on my report, signaling a fundamental issue that demands immediate rectification.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (PA)

Contacted my mortgage serving company, Shellpoint/newrez regarding the 30 to 59 days past due reported to the Consumer Reporting Agencies for XX/XX/XXXX and the 60 to 89 days past due reported for XX/XX/XXXX. My Covid mortgage forbearance period ended XX/XX/XXXX. Prior to that date I contacted Shellpoint to request an extension as my business was still experiencing difficulty due to Covid ( I manage a healthcare consultancy ). My initial request was denied but upon appeal an extension was granted through XXXX, XXXX and I resumed payment on my mortgage in XXXX, XXXX and am now current. I was told while my appeal for the extension was being considered my mortgage payments would not be reported as late to the CRAs, though subsequently by Shellpoint it was even though my appeal for a forbearance extension was ultimately granted. As a result of Shellpoint 's going back on their word and reporting our mortgage payments as delinquent, my credit dropped over 60 points within 24 hours of that reporting. As a result of the credit rating decline, our ability to borrow has significantly declined, as our cost to borrow has significantly increased. We has hp [ ed to refinance our mortgage both to cut down on its cost - and to find a new, more competent and ethical mortgage servicing company, but are unable to now because of negatively-impacted credit rating. It would cost Shellpoint {$0.00} to correct this error, but in a XX/XX/XXXX response to our complaint they've refused.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX I have sent a money wire to my older brother XXXX XXXX who resides with his family in XXXX XXXX The money sent was money owed to him from inheritance. The total amount was {$50000.00} I have sent the money using my Capital one checking account to his checking account in XXXX XXXX bank. On XX/XX/2022 my brother texted me stating his bank received a message that funds were put on hold and that they needed additional information. I called Capital one on XX/XX/2022 and they sent me a fax to prove that funds were submitted and it was good on their end and that no one has contacted them for more information. Then my brother did more investigation and it turns out that the intermediary bank which is XXXX XXXX is holding the money. I did a conference call with my brother with Capital one on XXXX XXXX and a case was open on why funds were not deposited and it asked for money to be either deposited or return. On XX/XX/2022 I called capital one bank and they said they open a new request for XXXX XXXX to release or refund the money, I called Capital one again on XX/XX/2022. They lady said XXXX 's XXXX is not responding and not releasing the money. I do not trust XXXX XXXX. I also did not ask Capital one to use them. They are keeping my money for no reason and I am not sure what they are doing with it, but I do not trust them and their history speak for them. I would like for the fund to either be deposited to my brother 's account or returned to me. Since Capital one is the issuing bank they bear that responsibility. 
I did not ask them to send the money via another bank, specially XXXX XXXX which I do not trust nor I have an account with Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (AZ)

I cancelled my account with XXXX verified my new address for me to receive my final bill so i could pay it when it was due. I never got the final bill i called XXXX several times over a 2 month period to get my balance owed or my final bill and was never provided this informaiton from any agent i spoke with. Now the bill is with the debt collection agency and i explained to them that i was never given my final bill or the opportunity to pay the bill before it ended in collections and they refuse to delete it from my report once i pay the balance i have no problem paying the balance but to this date the debt collection agent or XXXX has not given me my final bill with the break down of my charges or anything and refuse to delete it if i pay the balance they say i owe
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We want XXXX XXXX XXXX investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/2006. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now XXXX XXXX XXXX We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX k now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX acct # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

On XX/XX/2022 I was notified by my credit card company that my credit limit for one of my credit cards was basically cut in half of what I was approved for. In looking at my credit report, there is an account in collections named I.C. SYSTEM, INC who has never attempted to contact me because this debt is not mine. 

My credit report shows that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$1700.00} of which I have never had an account with XXXX XXXX XXXX XXXX of {$1700.00}. 

My understanding is that XXXX XXXX XXXX XXXX is the the wireless carrier side of XXXX XXXX XXXX. I have always had XXXX XXXX  as my mobile carrier. 

These charges are NOT mine and I believe that I have been a victim of fraud or identity theft. 

No one from XXXX XXXX XXXX XXXX or I.C. SYSTEM, INC has ever tried to contact me to resolve the debt BECAUSE IT IS NOT MINE! 

I attempted to dispute this account via XXXX and they came back within a day ( after stating that it may take up to 30 ) that the account is mine. This is 100 % completely false!
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc. (FL)

Someone has used my email address to open an account with Moneylion. They used my first name and a different last name to create the profile and verified a phone number that is not mine for the account. I was able to log in via forgotten password and changed the password, but I want to delete the account. There is no option to do this on the Moneylion site.
Consumer complaint received 2019-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (MS)

To Whom It May Concern, I am writing this letter of plea for assistance. My mortgage company has not been cooperative with obtaining my payoff. I requested a payoff and never received the payoff information as requested. Instead my lender contacted me asking me did I want to refinance. I told him I was selling the house and I need an active payoff. I never received a response from him when I asked to have a conversation. 

The mortgage company said they sent the letters out, but we never received any of the information stating that we had received any of the letter stating that we were being foreclosed. I requested a pay off in early XXXX XXXX of XXXX. My lender, XXXX XXXX, messaged me on XX/XX/XXXX to say, Hey XXXX, We got a payoff notice. Are you wanting refinance or sell the House? Would you have a few minutes to talk? XXXX XXXX -NMLS XXXX. I replied, Hey XXXX. Im selling the house. We can still have a conversation. I never heard from him. 

My title company requested a payoff early XXXX so that we would be able to close ; however, we get a notification before closing that the payoff was never received. I called the mortgage company and the young lady said she had record of it ; however, Land Home Financial and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX office are both stalling. I had a buyer for a my house and it was supposed to close on XX/XX/XXXX. The house was supposed to close, but it was still stalling because they will not give a payoff. 

I requested assistance with my foreclosure packet and never received assistance. Land Home Financial ended our calls several times when I asked for help. I am not sure what to do because they are being uncooperative. Will you help me?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

Account name : XXXX  XXXX Account # XXXX Account name : XXXX  Account # XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX 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 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.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

It has come to my attention that Discover Card has been charging me for an OPTIONAL Payment Protection membership without my knowledge or consent since XX/XX/XXXX despite being a customer since XXXX. As you can see from the attachment, their records only go back up to 24 months, and there is no such payment for late XX/XX/XXXX. I have never received any information about this so-called Protection plan in XXXX. I have attempted to cancel the membership today, XX/XX/XXXX, through their website and will see if they will indeed cease these unnecessary monthly charges. It is my understanding that Discover has been previously sued and penalized for this sort of shady, greedy practice, but the program still exists in a way where customers seem to be automatically enrolled into it.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX Balance : {$610.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX PA ) XXXX Balance : {$420.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$47.00} XXXX XXXXXXXX Balance : {$47.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MO)

I have called Credit Acceptance requesting a letter detailing my payment arrangment and they have refused. They said they do not send out letters on customer payment arrangements. There is no way to access payment arrangement information online. There is no way for a customer to physically see a payment arrangement. 

The co-borrower made changes to the payment arrangement on the loan without my knowledge. Credit Acceptance did not inform me of any changes through mail, phone call, or on their portal. This information should not be withheld from borrowers. 

Not being willing to send out payment arrangement information is also limiting to individuals with hearing disabilities that need to see/ read information.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX, MAXXXX has been sending me collection notices in the amount of {$650.00} the collection has been reported past due even though I sent a mailed dispute and verification letter certified mail on XX/XX/XXXX asking for proof of this debt they have not responded. I do not know this company nor have I done business with this company. They do not have a contract bearing my signature.
Consumer complaint received 2022-01-19
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. (GA)

Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.
Consumer complaint received 2022-01-19
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. (GA)

Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

18 U.S.C. 1029 ( A ) ( 6 ) is intended to address fraudulent " solicitation '' ( B ) selling information regarding or an application to obtain an access device. 

Third party collection furnished an account for me using my personal identifying information without my consent or valid contract. This agency is participating in soliciting activities.