davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Ive tried to get my three credit reports from XXXX but kept getting a message on each site that I need to call and request a report. I called and ordered my credit reports and the following happened : - XXXX mailed a credit report print out - Equifax mailed a letter saying that I had requested a credit report once in the past 12 months so I would need to pay to order another one - XXXX never sent a credit report
Consumer complaint received 2015-06-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (MO)

After several weeks of disputing fees assessed on a vehicle declared as a total loss and paid off by my insurance company I attempted to settle a debt with Prestige Financial. I provided payment authorization over the phone to a Prestige rep in order to settle the account in full. The rep neglected to process my payment resulting in continued fees/interest being assessed on a vehichle that has already been paid off by the insurance company and the GAP insurance company. Prestige also restricted my online access preventing me from posting a payment online which again has resulted in continued charges of interest fees due to the inability of processing a payment. I believe the actions taken by Prestige are willful barriers in order to continue to add on interest fees in an effort to collect increased monies on an account that has been paid off.
Consumer complaint received 2022-07-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-15
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2022-07-13
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. (WI)

After noticing that my deferred payments, during the multiple times that I was diagnosed with XXXX were being reported as past due, I contacted XXXX XXXX XXXXXXXX XXXX in order to have the incorrect information corrected. I contacted their customer service in XXXXXXXX XXXX, XX/XX/2022 and XX/XX/2022, and I explained that I was granted deferrals during the times listed as being late. They indicated that they are reporting everything properly on their end and that I would have to submit a dispute to the credit bureaus in order to update the reporting on all 3 credit bureaus. The customer service rep further explained that no matter what I do, she rarely sees any success when disputing credit reporting information but also confirmed that she saw my deferrals in the system. I submitted MULTIPLE disputes via XXXX, Equifax and XXXX without any success. It is imperative that this information is corrected due to the fact that I am applying for a commercial real estate loan and these payments will hinder my ability to qualify for the business loan.
Consumer complaint received 2022-08-25
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. (FL)

My rights under 15 USC 1681 have been violated by Experian. I made several attempts in the past to remind you of your duty pursuant 15 USC 1681 & 15 USC 1681e ( b ). You are intentionally and willfully being neglectful in remedying my affairs. I am due & promised accuracy in my report based on federal law. I also have the right to privacy and I did not give Experian written permissions to furnish these accounts :. XXXX XXXX XXXX, Account number : XXXX. XXXX XXXX XXXX, Account number : XXXX. XXXX XXXX XXXX, Account number : XXXX
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (NC)

I was a member of Credit Karma. This site would give offers of credit based on your chances of approval. I would apply to these offers when based on their recommendations. However, when I did apply, I was turned down for the credit card. Even though the site said that my approval change was excellent.

This resulted in hard inquiries on my credit report and lowering of my credit score. I believe that this was misleading to me as a consumer who was looking for a new line of credit.
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mendelson Law Firm (TN)

I have never received any calls or mail from this company before over any debt. Today Im served with court papers for a medical bill. It has mine and my spouse name on it. We are confused and want this resolved so that we do not have to go to court.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Starting XXXX I tried to request copies of Wells Fargo payment from XX/XX/2022 to XXXX XXXX XXXXXXXX XXXX ending XXXX, for {$350.00}. Well Fargo website couldnt help me so went into Wells Fargo branch on XXXX XXXX XXXX After spending over an hour & the banker working with a rep. who was working at the phone number given to us to get copies. Banker was told it was faxed over to her branch 3 different times! No copies receive. Banker requested copies of front & back of payment be sent to my home address, I never received either. Banker put in claim to resolve the problems that we both had. Claim number XXXX XXXX to XXXX I called claim department told them nothing is being received, 5 requests for mail of copies, 3 requests for fax, 1 request to email payee the copies. Help!!! Thank you
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2014 Balance : {$91.00}. 

If you feel there is a possibility this account 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 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX accounts, no account numbers shown, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-13
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: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-07-13
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. (NC)

My identity was stolen. I never applied for this account I have no idea where these accounts came from. These are fraudulent accounts, I never shared my personal information with anyone, I never gave anyone permission to use my personal information. These accounts were opened without my consent.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

Hi, I called my bank ( chime ) because I saw a pending transaction of {$700.00} on XX/XX/XXXX. They told me they werent able to do anything until its settled and when its settled I can dispute it. I did just that, and now they are denying and closing my claim. I asked them why they told me I have to provide more proof! I asked them what proof can i provide you since I was home the whole time with my bank card. They told me they cant reopen it unless I provide evidence it wasnt me. I explained I cant prove I was home thats not realistic. So now they refuse to refund me my money.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica (CA)

My Mother had an account with Comerica Bank, and she has passed. Comerica sent a check for the balance of {$14000.00} to XXXX XXXX, in California. XXXX XXXX notified Comerica that they located me, and that I, as her son, would be handling the matter. When I called the bank, they would not let me speak with a manager, and only referred me to a probate phone number which you can not speak to a rep, or leave a number, but only refers you to their email address. I sent them numerous emails, including the email thread with XXXX XXXX. Only after a lengthy time they responded stating that I should send them the check, and supporting docs, which I did, and that they would reissue a check in my name. I sent it to them that same day ( XX/XX/XXXX ) via certified mail to their XXXX XXXX XXXX My tracking receipt showed it arrived on XX/XX/XXXX. I then emailed asking that they let me know they received it. I got no response until today XX/XX/XXXX stating that I needed to send them the check, and supporting docs., which I had done that previous week. When I called them, again I was told I could not put me through to a person in charge. I asked that they have someone contact me a.s.a.p. concerning the matter, and gave them my number, but again no response. At this point I am at a loss as to what I can do to resolve this, and have some closure.
Consumer complaint received 2022-07-13
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX  continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Enhanced Recovery Company ( ERC ) has since proceeded to demand further amounts above XXXX fees. On XX/XX/20 I had called XXXX XXXX to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities
Consumer complaint received 2022-07-13
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)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.
Consumer complaint received 2021-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

LoanCare LLC has been my mortgage servicer for the last several years, through my loan being sold. When we were looking to refinance our home mortgage, we knew we didn't want to consider LoanCare due to several issues that have occurred while they've been the servicer. 

We refinanced with another company, and our loan was paid off XX/XX/XXXX. I've been trying to contact LoanCare LLC re : the return of my {$5400.00} escrow account that they still have. I sent several emails through their " Send Us A Message '' link on their website, but haven't received a response. I have tried calling several customer service numbers, and once I enter my { now paid off } loan number, I get a recording re : XXXX XXXX information with no options. I can't speak to a person or go anywhere else in their voice mail system. Finally, some how, I pressed enough random buttons that I got to a person. I asked her about my escrow balance, and she told me that they hold it for at least 20 days. I asked her why, and she said, " that's the process '' then HUNG UP ON ME. 

What I want : the ability to get some sort of response notifying me of the status and reconciliation of my escrow balance and my loan balance. It is RIDICULOUS that this company will not respond to emails and won't give me access to a customer service rep through their normal voicemail options by phone. While my loan is paid off ( thank goodness ), they still have my money and I'm still a customer.
Consumer complaint received 2022-07-13
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. (SC)

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX was not deleted. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. I want the account removed expeditiously.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (TN)

I have had a checking account with US Bank for over 20 years. I was NEVER charged a fee for having the account until recently. They began charging my account a {$24.00} fee on XXXX. This fee was waived for two months. I'm assuming I called about it, but honestly can ; t remember. After that, they charged the fee for nine more months before I noticed and called about it. At that time ( XXXX ) they waived three of the fees ( leaving 6 others ) and said that was all they could do. Since then, I have spoken to XXXX at the XXXX, XXXX branch. She reached out to her district manager, XXXX XXXX, who told her they could return three more months of money they STOLE from my account without any notice ( still leaving 3 months ' fees ). This is unacceptable. I was not notified that this fee was going to be added to an account I have had for OVER 20 YEARS. Their explanation is that I had taken out two car loans and paid them off which put me in a different kind of account. What?! Why?! Again, I was not notified of this. Had I been, I would have taken my money elsewhere or asked if I could have the kind of account I had had prior to the car loans-which, again, I was never made aware of any kind of change in my checking account. 
In addition, XXXX apparently tried to call and email me on XX/XX/2022 to follow up on my complaint. The phone rang once and went dead. The email asked when would be a good time to call. I explained that the call didn't go through and she could call any time. I did not hear back from her until today and only because I called her again aXXXX XXXX XXXX and left a voicemail ( Friday, XXXX ) She was obviously trying to dodge me by calling at XXXXXXXX XXXX  before quitting time on a Friday. I asked for XXXX XXXX 's number and called him before XXXXXXXX XXXX It went straight to voicemail, so here I wait once again.
Consumer complaint received 2022-11-04
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. (AZ)

Company reporting negative information on my report. 
Company using personal information without consent. 
Company obtained personal information without consent. 
Company reports negative information on my report to extort payments. 
I have not done business with Company.
Consumer complaint received 2022-07-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I opened 2 CDs ( {$210000.00} total ) over the phone with Marcus by Goldman Sachs on XX/XX/22. On XX/XX/22 I tried to sign into my on line Marcus account but it was Temporarily Locked and I was directed to call them. I called them and was initially told there was a problem with my phone authorization and then was told there was a security issue. After talking with Marcus representatives I was informed my accounts were being closed and the funds immediately returned to my funding source. I called Marcus today ( XX/XX/22 ) to check on when the funds would be returned and was told my accounts were under review. My phone calls with Marcus have been very frustrating. I am XXXX XXXX XXXX and depend on these funds for living expenses.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (VA)

Company has been billing me {$79.00} for over 12 months & when disputed, they issued a 50 % refund instead of 100 % on all charges the bill should be {$27.00} max & they & XXXX have conspired against seniors by signing them up for accessories they do not need. I will also be reporting to the FCC