davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

Since my identity theft that happened in XXXX '20 and shared with local police by raising a police report and also shared with FTC through identity theft report, I can not access/register myEquifax account and I suspect someone else has registered under my SSN and name. 

I have followed up several times over the phone and over the mail with Equifax with evidence of my identity, police report, FTC IDTHEFT report and proper email address and phone number that should be assigned to my profile, with no success. 

Other notes : I am able to access my credit file with XXXX and XXXX, yet Equifax is not helpful in making this change and allows unauthorized parties access and manipulate my credit report.
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified Transunion of the XXXX XXXX - Acct # XXXX that is reporting on my credit file. This account is either not mine or is inaccurately statused as included in bankruptcy. Please remove this account from my credit file.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Out of the XXXX major credit reporting agencies, TransUnion is the only agency that is reporting erroneous information in which I am complaining about. Report date XXXX/XXXX/15, file number XXXX, with this file number TransUnion has my report split into XXXX sections. First, it has page XXXX of XXXX, with page XXXX listing my reported name as XXXX XXXX XXXX XXXX, see my attached scan copy of my original social security card, it only has XXXX XXXX XXXX. Than, TransUnion, has a second part of the report page XXXX of XXXX, with page XXXX listing reported name as XXXX XXXX XXXX. Also, TransUnion has XXXX different reported phone numbers listed for me- most of these numbers are not even recognizable to me.
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (NC)

PayPal Credit is charging me late fees and deferred interest charging and not properly processing my payments. I send two payments in for {$1000.00} and {$45.00} on XXXX XXXX, 2015. Today I was informed that my payments were not processed and I have been assessed {$100.00} in interest and {$35.00} late fee. My bill is not going down and I keep getting hit with late fees.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

I had insurance with XXXX XXXX in 2021. I was involved in an accident in XX/XX/2021, and submitted a claim to XXXX XXXX. After having horrible issues with the claims process, I CANCELLED my policy with XXXX XXXX effective XX/XX/XXXX. I switched my insurance to XXXX XXXX. XXXX XXXX DOES NOT allow you to adjust your policy online. I called XXXX times and spoke to a person EACH time and cancelled my policy. Yet, XXXX XXXX continued to keep insurance on XXXX of my vehicles ( the one that was in an accident ), even though I cancelled it XXXX times. Now, Credit Collection Services is attempting to collect on this alleged, disputed account when I DO NOT OWE XXXX XXXX a dime. They have placed it on my credit report, which has dropped my score over 60 points, and I have PERFECT credit. I am in the middle of a refinance on my home, and this is preventing me from closing.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

My Home loan service company was Shellpoint Mortgage until XX/XX/XXXX. Loan # was XXXX. In XXXX they transferred my file to a new servicing company name is XXXX XXXX. XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. The Shellpoint & XXXX XXXX have mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with Shellpoint Mortgage from XX/XX/XXXX up to XX/XX/XXXX ( The agreement, the extension letter and two snapshot of my Shellpoint dashboard are attached ). As you may see I have been on forbearance plan, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. I have called both Shellpoint & XXXX and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application. I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP. Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.
Consumer complaint received 2017-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TN)

In XX/XX/XXXX, Wells Fargo posted on my XXXX XXXX billing statement that my 6 month 0 % apr promo period was ending. My account was created in XX/XX/XXXX with a 1 year promotional billing period. When I submitted a complaint to Wells Fargo, they acknowledged an error and said that my promo period should have in fact been valid until XX/XX/XXXX. According to the policy on the back of the bill, if you submit an error to Wells Fargo, and they determine they were wrong, you will not pay any interest or fees on the amount questioned. Regardless of this policy, in XX/XX/XXXX I was charged an astronomical interest fee, at which point my {$200.00} balance reflected a {$140.00} interest fee. When I contacted customer service, he indicated that this is the interest on my amount owed in XX/XX/XXXX when my promotional term expired. I informed him that my promo term expired in XX/XX/XXXX, not XX/XX/XXXX, and that was an error I had previously disputed with Wells Fargo, so I should not have interest at all. He continued to assure me that the amount in question was correct, even though the amount which reflected an interest payment ( XXXX ) was never indicated as an amount owed at any time in my billing history. There was no further explanation on the bill. The rep then proceeded to calculate various numbers to find where a {$140.00} interest charge would come from, but he could n't pinpoint an amount that would yield this interest charge. He stood by the fact that the bill was correct, despite the fact the amounts were so deceptive that he could not even explain it. He then pushed the Average Daily Balance as the reason for my interest charge, claiming I was charged interest on my average daily balance for the previous month, but instead of explaining this to me, he continued to say it was too complicated for consumers to understand how they calculate how much they owe. I requested this complicated algorithm, because as a consumer you have a right to know what you are paying. Evidently, these things are so deceptive, it is a secret. According to the billing error policy, I should not have interest at all, yet Wells Fargo is attempting to deceive me into an extra profit for their company. I have written a letter to complain about my interest charge, since it should be {$0.00}, but have not yet received a reply.
Consumer complaint received 2016-10-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: NCB Management Services Inc. (TX)

Pyments were twice a mth. Bcause of personal issues. Requested once a mth pymts. They said ok. Well bcause of same issues was already late for XXXX pymnt. I was called by WHO I THOUGHTwas the collections dept. I agreed to make my mthly pymt higher the XXXX of the next mth. So a few mths go by all is fine, but when I think its my last draw and should be 1/2 a draw bcause they did a XXXX draw that i was n't expecting a full pymt was taken and I found out at that time that they were not the company I contracted with, but a collection agency. When I called them, they refused to give me back my money. The lender was XXXX. The last draw they took was XXXX/XXXX/16 for XXXX. I recieved an email from them XXXX/XXXX/16 approving the renegotiation payment date. My balance was roughly {$2700.00}. When i recieved the call in XXXX I thought nothing of it, because I was late, and I figured they wanted to up the payment. I was in my car at the time, and I had people in the car with me. I agreed to the upped payment gladly, and made the payments gladly, because as I said i thought I was talking to XXXX!!!! Once that over draw came out and I called them and found out they were debt collectors, I was horrified!!!!! I told the to listed to their tapes, and they could easily tell that I thought I was talking to XXXX because I even mentioned the young man who called me initially when I was running a week behind on my payment. I told them to give me my money back!!! So far they 've refused. Ive been going back and forth for some weeks now. I want my money back. As far as I 'm concerned they 're thieves. I know they could tell that I thought I was talking to XXXX. When I said that to them, their response to me was " Why do you care who gets the money ''!!! They owe me a minimum of {$220.00} and I want it back. They 're Liars and Thieves. I hve the emails from elastic, my bank statements.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

XX/XX/2022. A collection account was removed from my report and my score WENT UP XXXX points. XX/XX/2022, my score WENT DOWN XXXX points WITHOUT ANY CHANGE to my report. WHAT IS THE REASON FOR THE DECREASE?
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: AMERICAN EXPRESS COMPANY (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 2015-08-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (CA)

This original credit card issued through XXXX XXXX XXXX account # XXXX in the amount of or close to {$90000.00}, has had no correspondences, payments and or activity on it in more than 6 years and the time statue in Ca at this time is time should qualify for collection agencies listed below NOT to be able to pursue any legal remedies.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CO)

A divorce decree was put into effect of XXXX XXXX, 2014. Courts ordered that XXXX XXXX XXXX is responsible for the mortgage. I have attempted resolution with US bank and they declined all attempts to remove my name from the mortgage. This is effecting my ability to own or purchase my own home due to his negligence. I have attempted to contact him on multiple occasions but refuses to assist me. The IRS also took my money on debts that he owes.
Consumer complaint received 2022-07-20
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. (GA)

I previously lived at My current Address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following addresses I would like removed from my credit reports : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX and Transunion XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have my ID with my address on it as well.
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Student Loan Assistance Center (KS)

Last year I talked to the XXXX XXXX XXXX XXXX. I told them I did n't feel comfortable with their service and they said if I did n't want to proceed further I did n't have to. Today I received a debt collection notice on behalf of them from XXXX attempting to collect on that debt. I never used their services because I can literally do it for free. I am not responsible for this debt because they never did anything for me after I said I did n't want to use their services.
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (IN)

Upon checking out credit reports, my husband and I found a joint collection debt saying it is on behalf of an apartment complex we lived in. The collection agency has never contacted us in any format and neither had the apartment complex. We never received our security deposit back, but never was called or mailed a bill ... or contacted by the collections company ... who appear to have added more than {$100.00} in fees to the supposed debt.
Consumer complaint received 2017-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (IL)

I receive repeated calls, three times per day, including Sundays, at my office phone number. My office phone number was someone else 's before it was reassigned to me. If I pick up, a robot informs me that this is Southwest Credit Systems trying to collect a debt for someone named XXXX XXXX I am not XXXX XXXX, I have never heard of a XXXX XXXX. The robot informs me to press 1 if I am XXXX, or press 2 if I am not. I have pressed 2 twice. It says it will transfer me to a representative, but then hangs up. This has been going on for weeks.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-02-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (FL)

I had 3 IRA accounts established at Ally Bank ( AB ) for a number of years and am transferring them all to XXXX XXXXXXXX XXXX XXXX XXXX  to consolidate and be able to better manage retirement funds. 2 were term CDs and 1 was an IRA Savings account. The CDs matured XX/XX/24 and XXXX XXXX and I sent them via fax their documents to close out these accounts and remit the full balances to XXXX XXXX. After hearing nothing for a couple of days, we called Ally to follow up and were told there was a '3 to 5 business days processing period, and then a check would be mailed out '. As rates are currently in the ~5 % range and this involved approximately {$270000.00}, the loss of interest on earnings is running nearly {$38.00} per day, so we asked how we could get the funds wired out to XXXX XXXX ASAP . The Ally representative guided us to the wire transfer request forms and XXXX XXXX said they ( XXXX ) would absorb the wire fees, which would have to be 3 separate wires for the XXXX accounts. The XXXX rep explicitly inquired if e-signatures were acceptable from the client ( myself ) on these forms and were told those were acceptable. These were submitted by XXXX on or about XX/XX/24 to AB. After again hearing nothing for several days, we called AB again on XX/XX/24 to ask why the wires had not been sent. We were informed by AB that the forms were rejected as they required 'wet ' ink signatures, not e-signatures, and that a notice of same had been sent out via snail mail, which I have still not received as of this date. They had my and XXXX 's phone numbers and email addresses all this time and yet resorted to snail mail. I was unable to physically sign new documents until the morning of XX/XX/24 ( today ), which I did and ML submitted them yet again to AB. XXXX  and I jointly called AB today who confirmed receipt of the fax and said they were in process of scanning the faxed documents into their system and thus could not confirm all was fine. They said this would require yet another 3-5 business days to process -- we explained that we had already been delayed ridiculously long by their feet-dragging and their incorrectly telling us e-signatures were acceptable and asked if this could be expedited, AB said no. AB said that receipt of the forms removed the 10-day rollover or penalty provision which we are taking at face value for now, though AB was not willing to reimburse me for all the lost interest during this time. My request is XXXX items : 1. Ensure that the 10-day rollover period does not become a problem 2. AB to provide reimbursement for my lost interest on funds during these delays. 
3. I recently heard that an industrywide problem/gimmick with these online banks is when you try to get your funds out or close accounts -- there tends to be these inordinate hassles and delays while they sit on your funds. That should be addressed with these online banks as an industry.
Consumer complaint received 2022-07-20
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 previously lived at My current Address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following addresses I would like removed from my credit reports : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX Equifax and XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have my ID with my address on it as well.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (CT)

On XXXX, XXXX, on 4 different occasions, money was debited out my account and without my acknowledgment! Totaling close to {$800.00} and I made a dispute with Moneylion and was told to fill out paper and return. While o been sending them my paper every day and they are stating they cant read it, cant open it, etc for 3 weeks now. I sent it every way possible, now Im starting to believe they took my money! 
While my claim is active, I was still having money taken from my account, even with everything being locked. This is a huge issue, on their part, because theyre featured isnt working! I just want and need my money back ASAP!
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I have tried to obtain the paper work needed for my mortgage and up to now SLS Mortgage services has not given all the paper work to XXXX. 
XXXX is telling me that page ( XXXX ) of the note is missing ( this is the page that shows the endorsement ) and they also need the updated assignment SLS sent the same papers previously and XXXX informed them then that there was paperwork missing. 
I really need help in this matter XXXX Loan # : XXXX XXXX Acct # : XXXX
Consumer complaint received 2023-03-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MI)

I HAVE NOT HAD ACCESS TO MY MONEY SINCE XXXX/XXXX/15 WITH RUSHCARD. I CA N'T GET GROCERIES, PAY BILLS OR MOVE. THEY KEEP SAYING THEIR FIXING IT BUT NOTHING HAS HAPPENED BUT FALSE PROMISES. LONG WAIT HOURS ON THE PHONE, THEN LINE HANGS UP AFTER WAITING FOREVER. THEY CLAIM TO CALL YOU TO HELP YOU WITH THE PROBLEM BUT NOTHING YET. IM FRUSTRATED AND CRIED OUT WITH THIS PROBLEM. THIS CA N'T BE FAIR.