davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
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. (FL)

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I tried to apply for refinancing of my car in XXXX and I was rejected. They told me the main reason I was rejected was because of " Derogatory public record or collection file '' and " Length of time since derogatory public record or collection is too short ''. The person helping me told me it was a court from XXXX 2016 and it looked like I had lost a settlement. I knew I had nothing of the sort because I had n't been in court for anything like that ever.They got this information from Equifax Credit Report. When I requested my annual report from them, I saw in the " Public Records '' the judgment. It clearly states a different name than mine, and I have no affiliation whatsoever to this case except that it was my father 's who does not have the same name as myself. It is CLEARLY a completely different person. I was in no way, shape or form involved in this case. I am completely independent from my parents and there is NO REASON for them to attach this issue to me. I can not stand for this incompetence affecting me in my financial AND personal life. This needs to be removed IMMEDIATELY.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/2020 I visited Kia Motors to lease a new car as my previous lease was about to expire. I learned that the sales manager submitted XXXX credit checks on the same day. 
This has had a negative impact on my credit rating.
Consumer complaint received 2022-02-25
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. (CA)

I reached out to all three credit bureaus XXXX, XXXX and Equifax by mail regard the inaccuracies of this account. XXXX loan mark this account is reporting inaccurate please see the attached reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax, XXXX and XXXX This account is reporting as open and active this is inaccurate. Please delete this inaccurate account from my credit report immediately.
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

STILL DO NOT HAVE AN UPDATED-CORRECTED CREDIT REPORT. I have been going online trying to dispute and remove old items ... still a real problem. 
Last Credit Report I received was dated XXXX/XXXX/2014. 
PLEASE CORRECT : 1. XXXX- # XXXX-Old account-was transferred and re financed.-REMOVE 2. XXXX- # XXXX-old 10 years old paid and closed REMOVE 3. XXXX- # XXXX-Over 10 years old-REMOVE 4. XXXX XXXX XXXX # XXXX-same account as # XXXX above XXXX-REMOVE 5. XXXX Auto-Paid and closed-10 years old OLD REMOVE 6. XXXX- # XXXX-Paid and closed-old 10 years old REMOVE 7. XXXX- # XXXX-paid and closed-old 10 years old-REMOVE 8. XXXX XXXX # XXXX-Paid and closed-Old-10 years old REMOVE 9. XXXX XXXX XXXX # XXXX-Paid and closed-old 10 years old REMOVE 10. XXXX XXXX XXXX # XXXX-Paid and closed-10 years old REMOVE
Consumer complaint received 2020-01-17
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: HYUNDAI CAPITAL AMERICA (CA)

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN A CAR LOAN ( KIA MOTOR FINANCE ) UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THIS CAR LOAN, AND THEREFORE REQUEST THAT CREDITOR TAKES ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILES.
Consumer complaint received 2022-02-25
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. (CA)

RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX XXXX  # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I was in the city of XXXX, I tried to make a transaction of {$320.00} and they charged me two times, they said that the card was not going through. I ended up paying cash because they told me the card did not go through. I checked my bank balance on my phone and it showed two transactions of {$550.00} and another one of {$750.00}. I automatically asked the guy why they charged me this amount when the total was only {$320.00} and I had already paid the correct amount In cash. The response was to call my bank and unauthorized the transactions, I called Wells Fargo soliciting both of these transactions to not be authorized which were registered under the claim number # XXXX. The bank credited me {$660.00} while they made the investigation, I called various times for updates on the case and they said that I will receive a letter in the mail regarding the claim. On XX/XX/XXXX, I received a letter from Wells Fargo saying they completed their research and they found that the charges were made by me or someone who I gave permission, and to consider the claim closed, they then took back the credit of {$660.00} that they had sent me.
Consumer complaint received 2022-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

My loan is currently being serviced by MOHELA for PSLF purposes, prior to that it was serviced by XXXX. On XX/XX/22 I called MOHELA to request a refund to payments made during the COVID 19 Pandemic as I am entitled by the Cares Act. The refund would be roughly equivalent to {$1600.00}. At this time I was quoted a wait time of 4-6 weeks. 6 weeks passed and I called again, this time I was given a wait time of 60-90 days. When 90 days passed I called again and was told it was 60 business days from my first call. That would bring me to today where I have still yet to see movement on my account as it relates to the refund Im entitled to.
Consumer complaint received 2022-02-25
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. (TX)

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XXXX XXXX, 2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

As I await an answer from Bank of America, regarding Complaint XXXX, I have received yet another pre-selected credit card offer, with the same exact criteria, as sent in two previous offers, though, when I applied, they denied my application. 

Again, I am wondering what exactly has changed, since the BOA system seems to continue to generate and send these offers with guarantees, BOA has no intention of fulfilling.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (GA)

I received an email from Ally Bank on Tuesday XX/XX/2022 saying that the bank was temporarily blocking access to my account. That same day, I called Ally Bank at XXXX XXXX  to resolve the issue. After multiple attempts from the tech support team and being on the phone with Ally Bank for nearly an hour, Ally Bank failed to restore access my account. Ally Bank assured me that this was a system wide problem, that I had not done anything to cause the problem, and that the bank was working on it. I called again on Friday, XX/XX/2022. Similarly, Ally Bank failed to restore access to my account after 30 minutes on the phone. On XX/XX/2022, I called Ally Bank again. Yet again I was on the phone for an hour. Ally Bank refused to provide me with any information on when this issue would be resolved. 

I have received no substantive updates throughout this process. I have had to initiate every conversation to address this issue. Ally Bank has refused upon repeated requests to supply any substantive update or any evidence that the problem is being addressed. Ally Bank refused to provide a timeline of when the issue would be resolved. 

I originally made this complaint with the FDIC. FDIC claimed to send the complaint here for reference the FDIC Ref. No. : XXXX
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

We had a mortgage on our primary residence with XXXX XXXX  XXXX. On XX/XX/2022, we received notification by mail and email from XXXX Mortgage XXXX that our mortgage is transferred to Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. We were also notified that we should expect communication from Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX on how to setup mortgage payments with them within XXXX weeks of transfer. The effective date of transfer was XX/XX/2022. 

Today it is XX/XX/2022 but we have not received any communication from Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. On trying to register their website, with intent to make mortgage payment, we continue to get various errors. On calling them, we were put on hold due to technical difficulties and later promised of a call back but never received any call back. 

We are worried that Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX is trying to put us into default with malicious intent by avoiding any form of communication with us.
Consumer complaint received 2022-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (GA)

I filled a complaint in XXXX that Wells Fargo. I pay off a loan onXXXX and they mistakenly credited it to some other account. It took 5 weeks to have it fixed and was told that it would be credited back to the original payment date and it would not be reported to credit bureau as a late payment. On XXXX I got a message from XXXX XXXX that a late payment was reported and my credit score dropped XXXX XXXX
Consumer complaint received 2022-02-25
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. (FL)

I recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced I asked to please DELETE this account from my credit report immediately. I have also submitted and FTC report # XXXX in XXXX and the account still remains as VERIFIED with no documentation or verification on how this account is valid.
Consumer complaint received 2015-08-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (DC)

I recently moved to a new city, and opened an online bank account with Ally Bank. The account application and setup process went smoothly, and after completing the application, i received email notification that my " Ally bank account is open ''. I then began transferring money and depositing checks into the Ally bank account. As soon as I deposited my last check, and essentially put every dollar I have into this new " open '' account, I was locked out of the account, with no warning, no explanation, and without even being able to access any of the account details, such as the account number, or any other relevant information. I was directed to call a fraud hotline, which is not a 24 hour line, and I spent the next two days frantically trying to reach someone from Ally who could help, while three different support staff members ignored my pleas for help and redirected my questions to people who were unavailable. Finally a member of the fraud team explained that I needed to provide proof of address and told me I could send a phone bill. I understand the need to verify my address, but I do not understand why I was not warned BEFORE i deposited my funds, that this would be necessary. I have essentially locked myself out of all the money I have, I am in a new city, and have no way to undo anything because I ca n't access the account at all, the checks are deposited and the transfer is made. How is it possible for me to deposit funds into an unverified account, without being made aware that these monies will be unavailable for up to a month, until I receive a utility in my name at the new address? How could there not have been a warning alerting me to the possibility that any money i put into the account would be locked and unavailable indefinitely? 
At this point I am afraid I will never see the money again and I want nothing more than the close the account and start a new account with a different bank. But before I do so, I want to know that Ally is not still accepting funds into unguaranteed accounts.
Consumer complaint received 2022-02-24
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (OK)

I have been dealing with this company since 2013. I have had several accounts and have been trying to receive all the funds from each account for three years. 

The representatives have been very difficult with me and have requested such things as Military records XXXX, BIRTH RECORDS, SSN AND DRIVER S LICENSE TO PROVE WHO I AM. TO THIS DAY I HAVE NOT GOTTEN FUNDS FROM THESE ACCOUNTS. THEY ALL CAN BE FOUND UNDER. XXXX. XXXX A XXXX... 

Can you please help me get my money and stop this company from their politically directed tactics. I am a top member of the intelligence community and feel my personal identity is being used by this company as well as thousands of dollars give to me by the XXXX XXXX.
Consumer complaint received 2020-01-17
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: AES/PHEAA (MA)

The late remarks are sporadic. One account, XXXX, the OK payments was followed by CO remarks. Fedloan also reports late though there are no late remarks to prove it. THis is really getting out of hand. I have been disputing them for the longest time. Please help me get rid of those inaccurate accounts.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-04
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. (OH)

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One payments must be made by XXXX that day, otherwise it is considered late and their system will not post the payment until the next day. If my payment is due on a certain day of the month, I should have until XXXX to make my payment and not be penalized with a late charge.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (MA)

XXXX, XXXX XXXX, XXXX failed to properly pay my real estate property taxes for XXXX 2021 from the accured or advanced escrow account, yet they increased my mortgage payments from the original {$2300.00} to almost {$2600.00} with the pretext that my property taxes increased during the XXXX. I called my tax assessors office and received a tax bill that states that the servicer hasnt paid any taxes via escrow since first quarter 2021 and so the city placed a tax title ( lien ) on my deed! Our servicer changed from XXXX to ServiceMac as apart of their transfer transaction. The notice of transfer and billing statements show escrow disbursements that were not in fact made i.e. fraud. We have been paying the escrow with the increased adjustment and neither servicer has paid the fees. Ive contacted both and get the run around as the city tax assessor has confirmed non-payment. I cant even get proof of payment from ServiceMac ( something showing a mailed check # or EFT acutally demonstrating payment ). In all my billing statements are incorrect and the Form 1098s mailed to me are inaccurate at best or fraudulent.