davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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. (AL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, BEST B Inquired on XXXX XXXX, XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX-XXXX  XXXX. Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo notified me they were closing my account for false reasons on my 10th anniversary with them. They immediately blocked deposits to the account and held onto my federal salary that was transmitted to them the same day. I am still trying to recover those funds. My account only ever receives deposits from my federal salary, federal health savings account and federal travel reimbursements to closing the account immediately is draconian. This is a measure meant for drug dealers and money launderers. If they do not want me a a customer giving me a months notice would have been the right path to take so I would be able to make arrangements. 

They appear to feel they don't make enough money from me and are using bank secrecy laws to attack me rather than treating me as a customer.
Consumer complaint received 2021-11-02
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. (MI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-11-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (NV)

In connection with the latest complaint ( XXXX ) the consumer has also found more discrepancies regarding the agreement of a credit sale within the Code of Federal Regulations. 16 CFR 433.1 Falsified character amounts on previous billing statements that have reflected a positive balance, On contrary Ally stated an amount was owed. This can not hold true as a negotiable instrument was presented by the debtor at the time of signing.

Ally and the consumer had an agreement incidental with a credit sale according to 16 CFR 433.1 Ally has not followed the Guidelines set in Regulation Z. During This Credit sale the consumer had given not one but 2 negotiable instruments My Credit card ( SSN ) and my Signatured ( Blank Endorsement ) Promissory note. I have not received any equity in this transaction, I was not Notified of an UCC-1 Lien paperwork holding security interest over the asset, and I have be coerced into deceivingly handing over legal tender not lawful money ( Gold and Silver ) as Ally has illegally Accepted it in connection with the alleged debt collection of this account. 

Ally Had adverse action towards the consumer by illegal repossession of the vehicle.
Consumer complaint received 2021-10-26
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. (TX)

I sent in a Letter to Equifax 31 days ago disputing information on my credit report. Which has caused me not the ability to refi my home. that all the inquires were not me and to provide me documentation that i signed for these inquires to happen. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX also reached out to this collection company stating i had a cox communication account which i never have. and to provide me documentation that i did signed a agreement with the company. I also was never notified 30days prior to this going on my credit report per the Credit reporting act. 

Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$65.00} Amount {$65.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX I need the items Removed if there is no proof that can be generated with my wet signature
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I received an email from Discover Card around XX/XX/XXXX, saying that one transaction was declined. I hadn't been using that credit card for a long time, so I checked the phone app and noticed a series of fraudulent transactions. I called Discover, and they stopped the card, and started a fraud investigation. In late XXXX ( or early XXXX ) XXXX, I again noticed and reported to Discover lots of fraudulent transactions on my account, which were also impossible to be made by myself because I was physically abroad from XX/XX/XXXX to XX/XX/XXXX. Discovered investigated both incidents, and concluded in late XXXX that there was " no fraud '', and I am responsible for all the transaction. The total amount of all fraudulent transaction from XXXX to XXXX was roughly XXXX dollars. Frustrated by Discover 's investigation result, I filed a police report with University XXXX XXXX  Police Department on XXXX XXXX, hoping they can assist me with the issue. 

In my communications with Discover, I have repeatedly provided the following facts that clearly suggest I am the victim of a fraud and should not be responsible for the charges : 1 ) The fraudulent transactions took place in California, but I was outside of the United States from XXXX XXXX, XXXX to XXXX, XXXX, XXXX. This can be proven with a detailed Homeland Security travel record that I provided Discover on XXXX XXXX. 2 ) I had possession of the physical credit card ( ending in XXXX ) the ENTIRE time I was abroad. 3 ) During the time I was abroad, nobody except for USPS mailmen would have access to my locked mailbox, because I brought the keys to my apartment and mailbox abroad with me too. No one could have access my locked apartment, a very safe XXXX XXXX XXXX XXXX, and there was absolutely no sign of break-in. 4 ) I have never given anyone access or permission to use my credit card ending in XXXX, which I kept with me all the time. 5 ) There was no possible way for me to receive, activate, or use any credit card that Discover may have sent to me during my time abroad. 6 ) When I came back to my apartment on XX/XX/XXXX, there was no credit card from Discover in my mailbox.
Consumer complaint received 2021-11-02
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. (IL)

I submitted letters showing that my social security number is being used by a specific company to Equifax Credit bureau. I included my FTC report with details. Two accounts that were taken off my Equifax credit report were later added back onto my credit Equifax credit report because Equifax credit bureau claim the reporting agencies submitted a certification that the accounts belonged to me and were accurate. I have not seen anything from Equifax that proves this is my debt only a statement with no proof which I asked for proof, and have yet to get proof. 

Accounts XXXX/XXXX XXXX/XXXX
Consumer complaint received 2021-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

Servicer did not pay my Property taxes for XXXX. I have FHA escrow account. I XXXX XXXX ended Forbearance on XXXX XXXX I notified Servicer I was able to resume regular mortgage payments. I qualified for Partial Claim on XX/XX/2021. I signed documents on XXXX. Called once a week for updates. On XXXX was told my partial claim was denied and was verbally Threatened Forcosure Proceedings will start Immediately and was also told ( By the way you are behind on your Escrow XXXX ) Tax Due is XXXX Past Due, in the ReD. I verified this with County Tax Accessor. In Danger of Tax Lien, penalties, fines in XXXX. 
Mid America Mortgage has been uncoperative from the beginning of Forbearance. 
Also was told I need to pay lump sum to avoid Forclosure. Servicer has updated total amount with interent, fees, other charges on Statement. No other options were offered. 
I also made a mortgage payment for XXXX for XXXX. Not Credited to XXXX Mortgage. 
1. mis-allocated payments- used for other accounts. 
2. Lied about having paid Property taxes. 
3. Intentional Harm to force Forclosure.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

Barclaycard ( Barclays bank delaware ) unexpectadly cancelled my automatic payments which resulted in a late payment in XX/XX/2021. 

There was no letter or email that the automatic payments would be stopping for no reason. 

I have a 30 late payment showing for XX/XX/2021 on mycredit report that needs to be corrected.
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (VA)

I had a life insurance check from XXXX XXXX for my husband who is recently deceased. I went into the Wells Fargo Bank at XXXX XXXX XXXX, XXXX, VA XXXX because the check was drawn on Wells Fargo Bank. I asked for the cash or a cashiers check to replace the check drawn on Wells Fargo. Some internal office refused to approve the check to be cashed stating it was a " not to be cashed check ''. Who has ever heard of such a thing? I asked if the check was even good and was told that it was good and did not have a stop payment on it. I had proper identification including name and address verification in as many forms as they needed None of that mattered. I asked if I could open a checking account with Wells Fargo and then I could write a check to get my money and I was told there would be a hold on the funds. When I asked how many days the hold would be they could not give me an answer. 

I did not have any options to get the money from Wells Fargo. IT IS MY MONEY
Consumer complaint received 2021-07-12
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. (NV)

I started fixing my credit a few months back and noticed a discrepancy on my child support account. I can honestly say that I have never been late on this account and I have never missed a payment. My XXXX  report does not show a late payment but has not reported any activity since XXXX. Equifax and XXXX  are both inaccurately reporting a late payment in XXXX of XXXX ( Equifax ) and XXXX of XXXX ( XXXX  ) and have not updated since XXXX and XXXX ( respectively ). I'm not sure why there is this discrepancy on my credit report, and I have tried disputing this issue multiple times with the credit bureaus but this account is still showing a late payment when I was not late.
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (MD)

I have been trying to reach out to this company since last month. I have been reaching out to customer service via email and phone. The phone says that there are no available representatives. I am confused with that because i called when the company first opened and it says the same thing. They are not responding to email either. They is getting very frustrating when i am trying to pay my account up to date. They are charging me last fees but how is that possible.
Consumer complaint received 2021-07-12
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: JPMORGAN CHASE & CO. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (GA)

I Was checking my checking account to make sure that my creditors where getting paid in a timely matter. I was shocked to see that I had missed 4 mortgage payments, bc I had set up auto payments apparently this was not done by my bank but one time since the first of the year. This is way I thought my mortgage was paid, I had excellent credit score in the 700 now its in the 600.there trust in a bank when you become a member, this was breached by XXXX, for not paying my creditors in a timely manner I was very upset bc of this response from XXXX. For not calling me to let me know that y mortgage was not being made. Long story I paid the oweing balance in full, now Loandepot states that they did not get the {$4200.00} that was sent to themXX/XX/2021and now they are charging me interest by day, bc they Loandepot states that they did not get the ACH payments sent to them from my bank XXXX just4 days ago, but my bank XXXX states that they cash the XXXX check of {$3200.00} Plus Loandepot gave e two loan numbers to identify my account. One they changed in the space of a week to a new number old number is : XXXX. Now they gave me another # XXXX l think they are trying to cover up. My ACCOUNT so they can confuse me.please look into this matter for me, thank you
Consumer complaint received 2021-07-12
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: ARVEST BANK GROUP, INC. (CA)

Help, Help, Help. 
Arvest Central Mortgage Co. promised me that the attached letter would be sent to all the Credit Bureau Companies. The following is a new complaint about XXXX Credit Bureau Company : The XXXX Credit Bureau Company insists on ruining my credit score and having my credit report full of false information. My Credit Monitor Company, XXXX, notified me today on XX/XX/2021, that the XXXX Credit Bureau Company on XX/XX/2021 had lowered my score. The reason is that I have too many delinquent or derogatory accounts. I do not have any derogatory accounts ; I repeat, I do not have any delinquent accounts. No other Credit Bureau Company has lowered my score. In fact, they received a letter from the Mortgage Company " ARVEST, '' and they immediately updated their systems, and my accounts with them do not show any delinquency or Derogatory. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. XXXX Company must stop building its decisions on false information. The company has to change back my score and report to where they used to be. 

Now, Arvest must ensure that the XXXX Credit Bureau Company received the letter and updated their system concerning my information, score, and credit report.
Consumer complaint received 2021-07-11
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. (TX)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-11
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: Bayside Credit (CA)

I have a vehicle loan. And the loan company keeps reporting an increase in my loan balance causing my credit score to be affected. I tried calling and talking directly to the loan company but they deny any wrong doing. I reported it through the credit bureau and through here. The loan company reports that my balance has increased when in fact it has not. Its a simple interest loan. When the payment is received the daily interest is deducted from the payment based on the amount of days since the last payment was received. What this company does is reports the payment received and the principal balance to the credit bureau. Then a few days or weeks later it reports a balance increase by adding the simple interest to the principal balance. This causes my history to reflect negatively against me. And my credit score drops. In fact the amounts they report to the credit bureau are incorrect. They are aware that by doing this it is ruining my credit score and yet the continue to do so. How is it fair if you pay down a loan only for the loan company turn around and report the simple interest as an increase. They know its hurting my score yet they continue this practice
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (TX)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.