davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have contacted the furnisher and they agreed to REPAIR the account and remove the late dates from it. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXX
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (TX)

For the past couple of months there have been strange people coming to my parents house looking for me at an address that I no longer live at and im not sure of the reason completely. I honestly dont remember opening an account in the past with this debt collector. They are saying that me and my fiance owe alot of money that im not sure if we owe or not. They never contacted me directly about this issue in the past until the last few months. I dont understand how you can just harrass someones parents on a continuous basis. I am not in the position to pay that amount of money and think its unfair for them to demand that I pay that amount at such a short period of time if it is owed. The name of the debt collector is Synchrony Bank. They are stating that i owe them XXXX
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have contacted all 3 CRAs regarding the associated inquiries. 

In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information. 

In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA. 

I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from Equifax claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment. 

This complaint is being filed as part of the documentation being presented to the courts.
Consumer complaint received 2022-09-15
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: CORELOGIC INC (TX)

Corelogic Credco I did file a freeze earlier this year with you so here is another freeze to your company YOU ARE OFFICIALLY order to CEASE AND DESIST ANY AND ALL consumer information about myself to ANYONE OR COMPANY that includes XXXX, XXXX, XXXX I never approved you to use my information nor collect my information to use that is invasion of privacy. I never gave you permission or approval to make my consumer report public.my right to privacy is being violated by you I ask that the CFPB step in on this matter Enclosed are USC codes that you are violating respond by through the CFPB, do not state you need more identification this is a government wed site
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I placed an order to a seller in XXXX and used PayPal to send money. There was an issue with product and seller agreed to refund. It's been 3 months and no refund was given after endless excuses. I ask PayPal for help and open a case. PayPal claims I open too many cases ( 6 in 4 years after hundreds of purchases ) and not only denies my case, it shuts down my account and prevents me from using it. Seller finally tells me he wants to refund but must use original method but can't because PayPal shut me down. I complain to PayPal but says decision is final.
Consumer complaint received 2021-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

My name is XXXX XXXX and I am making an formal complaint against Rocket Mortgage and XXXX XXXX. This formal complaint against XXXX XXXX of Rocket Mortgage. I have been with Rocket Mortgage for 2 years now and my point of contact was XXXX. 
However, every since Rocket Mortgage appointed XXXX to me it's been issues. From his uppity attitude towards women to his ghosting behavior ; he has been just worst. Rocket Mortgage just allow this occurred as well.In addition, he misrepresent the fact that he could he help me with my home equity loan and send out an ratchet appraiser to my home. 
Then after receiving an email that everything was paid off on XX/XX/XXXX. Then decided his team wasn't going to even though an cash out of my own home equity. I want the equity to my home.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (KS)

To whom it may concern, I am contacting you in regards to a digital check that was sent to Chase Manhattan Bank. The check was sent by XXXX XXXX to pay off a debt I have with XXXX Bank in the amount of {$2100.00}. The check number is XXXX. Chase Manhattan Bank cashed the check on XX/XX/2022. 
I have tried to resolve the issue at hand with Chase Manhattan Bank and with XXXX XXXX. I do not have an account with Chase Manhattan Bank or any bank that is affilated with Chase Bank. I had contacted XXXX  XXXX on XX/XX/2022 after waiting more than 15 days after the balance tranfer application had been done, and the Customer Service Representative informed me that the check was cashed and proceeded to give me the check number, the date it was cashed, and that it was sent to Chase Manhattan Bank. I contacted Chase bank on XX/XX/2022 to find out if I had an account there and if the money went into the account. The representative told me that the account number I gave him did not connect with Chase Bank and he did not know how to help me figure out where the check went to. I called back on the same day XX/XX/2022 and spoke with another Cudtomer Service Representative. She told me that I had to speak with XXXX XXXX about getting a refund because they could not give me a refund. I called XXXX XXXX back to inform them of the information the Customer Service Representative from Chase Manhattan Bank had given me. The XXXX XXXX representative opened a ticket for XXXX XXXX to investigate the situation and told me that the investigation could take 30 days minimum. XXXX XXXX also put in a ticket for me to get a copy of the check. 
I called XXXX XXXX on XX/XX/2022 to check in on the investigation and I was told by the representative there was no update at the time. I contacted XXXX XXXX on XX/XX/2022 to see if there was an update on the investigation. I was told by the Customer Service Representative that the invistigation is still going, but they sent me the copy of the check and that I was to contact Chase XXXX  XXXX XXXX in order to get my refund. I was also informed by the XXXX XXXX Representative that since the check had already been cashed there was nothing they could do and I was the one who had to take the steps in order to get a refund. If you could please look into this refund I will be greatly appreciative. 

Sincerely, Frustrated Consumer
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report
Consumer complaint received 2021-04-14
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. (PA)

I recently challenged the validity of XXXX # XXXX {$14000.00} XXXX XXXX L # XXXX {$3500.00} XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX  # XXXX $ XXXX XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX XXXX {$550.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX  is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M&T BANK CORPORATION (CT)

On XX/XX/22, I initiated a bank to bank transfer of {$1000.00} from my checking account at People 's United Bank ( now M & T Bank ) to my savings account at CT XXXX XXXX XXXX XXXX ( " XXXX '' ). The transfer shows as having gone through on M & T 's side, but as of today 's date ( XX/XX/22 ), my money has still not arrived in my XXXX account. I called M & T on XX/XX/22 and was on hold for 3.5 hours before I finally got through to someone. The representative told me that transfers not going through is a " known issue. '' She suggested that I wait a couple of days to see if it ended up processing through on its own, or said I could go to a branch to cancel the transfer. I opted for the second option. On XX/XX/22, I went to a physical M & T branch to cancel the transfer, but was told that there was nothing that could be done because their system showed the transfer was completed. At that point, I opted to close my accounts with M & T Bank. I also filed a dispute with M & T regarding the transaction. This is completely unacceptable. {$1000.00} is not a small amount of money. There is no reason why somebody should have {$1000.00} of their money sitting in limbo for 2 weeks and counting. This has caused me a great deal of stress, not to mention at least 6 hours spent trying to get it resolved on the phone and in-person at the bank.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NJ)

My name is XXXX XXXX and I was a managed user on my father in laws card. Me made me aware that he called in about my identify theft I been fighting and was asking about who would be responsible for the fraudulent debt paid with a XXXX  to XXXX  XXXX and the answer is XXXX  XXXX. With that said he told Discover not to do anything and leave the card alone. However, the agent decided to take it upon themselves to dispute not just XXXX  XXXX but all 12 Balance transfers that were done on that card. This caused mass confusion between myself and XXXX XXXX my father-in-law. We called multiple times at first with no responses and no one able to help telling us that they can not on undispute a dispute Which makes absolutely no sense because every card company I know of has done that. This resulted in two of my credit cards shutting down because they thought I did it and that was against their policy XXXX XXXX  now has two cards shut down of mine which I was using to run my company and ultimately made me lose a ton of money and hurt my credit to the point where it was impossible to get a new one. Eventually we got in touch with somebody that undisputed the dispute and we got a letter stating that however somewhere along the line it got reversed then undisputed again and reversed then ended up saying that they couldnt determine who we were so we were responsible for the debt which also got reversed and then came the same balance that we had previous even though they took money back from XXXX  XXXX XXXX and other institutions and said that they never received it finally they ended up finding it and crediting it back but not giving it back to the company like we told them to because they messed it up so we needed the money to go back to the institution that they originally paid so the cards can get reopened and we can get a letter stating it was a bank error and there was no issue on our side Discover credit card did not do this and still to this day did nothing to help us I and my father-in-law wrote a letter sending to all institutions of the issue that was going on with Discover and that they will be getting their money as soon as we can figure out what was going on. Most institutions listened however there was time frames and discover has missed them by far which is why I have two closed credit cards which ultimately hurt my credit a lot and the inability to run a business because I need to make purchases for every guy I hire equipment wise vehicle wise so on and so forth. With this being said we need this fixed asap as I can not build my company and provide for my family. And its very frustrating and I can not continue to fight banks and credit card Companies anymore as Ive been fighting them for over a year because of identity theft.
Consumer complaint received 2021-08-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (TX)

I was going through a divorce in XXXX, we were contacted by an investor who offered to take over the payments and drew up contracts promising to pay off our mortgage and take it out of our name in 5 years. He stated at any time if they were late on a payment or failed to maintain the home we had the right to take our home back. Every time a late payment was made I attempted to contact the investor, the mortgage co and was threatened with a lawsuit if I ever contacted the mortgage company again. I now own a home that is in need of major repair, I attempted to get an equity loan to pay for the necessary repairs, my credit was declined due to debt to income due to the above property. This is always an issue when I apply for credit. I have tried speaking to lawyers about this issue and the story is always the same : the house is no longer mine and there is nothing I can do about it. I have the contract that we signed and he failed to comply with the terms. After we signed the contract the Title company attorney that drew up the papers was on the news for frauding homeowners and scamming people. The Mortgage company allowed them to take our credit and do a wrap-around loan of some sort. The investor turned around and sold the property to a Mr.XXXX accepted a lard down payment and did not apply it to the loan.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (OH)

A balance transfer check was issued to Walmart Mastercard and the check was mailed to the wrong address. The check was received by Synchrony Bank instead of XXXX XXXX as intended. The check was cashed XX/XX/XXXX by Synchrony Bank in the amount of {$5000.00} check number XXXX. Multiple attempts to have the money returned to the correct account have failed. Called Synchrony Bank on XX/XX/XXXX and was informed to fax a letter requesting a refund. Fax letter with a copy of the cashed check XX/XX/XXXX. Faxed letter and check again XX/XX/XXXX. Called Synchrony Bank again XX/XX/XXXX and was again informed to fax a letter. Faxed letter and copy of check again XX/XX/XXXX. Sent letter and copy of check again XX/XX/XXXX and XX/XX/XXXX. Each time I have called I requested a manager or supervisor and was informed the call can not be transferred to manager. Customer service has been no help in resolving this issue. Was also informed that if there is no account number with Synchrony bank they can not help.There is no account with Synchrony Bank becasue the check was sent to the wrong bank in error. I explained the balance transfer check was sent to them in error and the funds need to be returned. The faxed letter has all the information needed to send the refund.
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date - several beginning XX/XX/XXXX This collection agency called my ex-wife, daughter and several other family members telling them there was a garnishment action that was ordered and filed and that immediate legal action was going to take place. When I called back the number that this company gave, they said this was a collection from 10 years ago that was not satisfied. When I asked them about further details, they made fun of my XXXX XXXX, said I was XXXX and i should go XXXX XXXX XXXX  my dog. This call happened on XXXX XXXX onXX/XX/XXXX. 
When I called back, they hung up on me. Furthermore, I requested on this day that the contact me no more. 
1 ) This company is representing themselves as a legal arm of the Government with power or as an attorney. 
2 ) on XX/XX/XXXX I registered on the National do not call log - this call should not of happened 3 ) I feel my rights as a XXXX  person was exploited 4 ) This company identified as a representative of H.S.B.C who I could not confirm as legal representative of this company. 
5 ) If what they said was correct, this dept based on conversation with representative, is well past the 7 year window for collection
Consumer complaint received 2022-09-15
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BCG Equities, LLC (OH)

On XX/XX/XXXX I received a summons for civil suit from BCG Equities , LLC on behalf of their counsel Law Offices of XXXX XXXX in the XXXX XXXX XXXX XXXX, XXXX, Ohio. I was never notified of this debt that is from XX/XX/XXXX from BCG Equities LLC until receiving said notice to answer civil complaint for alleged money requested. I provided my answer to the complaint to both the court and the XXXX XXXX XXXX and it is awaiting trial. This is a direct violation of chapter 15 USC 1692g 809 ( a ).