davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CO)

We refinanced our home and the loan was sold to Mr. Cooper. During this time, we purchased a lot behind ours so our green space would not be sold and developed. Our lot will increase by .1837 acres. We paid cash for this less than 1 acre of land. We sent paperwork to Mr. Cooper to include this PAID FOR LAND onto our deed ; thus making the property worth more than what they financed. I have been in contact with several different people about this addition to our mortgage. I have had a lawyer contact them. Mr. Cooper is requesting an appraisal of our total property which is an undue burden on us. An appraisal was not necessary when we refinanced, so why should it be necessary for an appraisal now? I did not request my loan to " sold '' to Mr. Cooper, they were not my choice. I sent all the necessary documents to Mr. Cooper and the lawyer sent documents also. There are at least 4 other household affected by this company. There are about 80+ properties affected by this buy out. Only Mr. Cooper is requesting an appraisal. This appraisal is going to cost about {$1500.00}. Then we will have to pay an additional fee to have it added to our deed. This is a ludicrous demand, causing a financial hardship and massive amount of additional paperwork. I started this paperwork process back in XXXX. They took their time getting back to me. I phoned several times, I finally got in contact with a supervisor who agreed this seemed overboard. I have a trail of emails from me and my lawyer attempting to resolve this matter. I have had to pay out of pocket for the lawyer and can't believe this demand being made by Mr. Cooper. It is a very simple process, I have sent all the supporting paperwork and gave my lawyer 's name for additional questions. Not only have they demanded an appraisal, they have been very bad about contacting me and my lawyer back. This is now XXXX and I have been trying to get this resolved since beginning of XXXX. I am extremely frustrated and discouraged. I do not understand the need for an appraisal for such a minute addition of paid for land ; especially when there was not an appraisal needed for the refi. I know there has been at least one other land owner that has contacted you about this company. Thank you for your prompt attention to this matter, you have at least one other complaint so far. I have retained a trail of emails, I don't know how to copy/paste these but will be glad to forward them.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

XXXX XXXX credit card issued by Citibank in 2017 was going fine until they started adding charges and amounts I did not incur, now they want {$560.00} for a credit line of {$300.00}. They have put a debt collection firm up my XXXX after I disputed the amount and tried to settle with Citibank but to no avail. 
Citibank has been a big problem as they ask for a huge amount that cant be paid then they go about painting you into a corner getting you to agree to terms that arent possible to keep until you demand they stop calling, this is after they have harrassed you for months. Then they put a debt collector on you who pulls the same stuff, it's impossible to get anything done with Citibank, they want blood when there's none to give. 
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Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are to be corrected immediately. 
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
Consumer complaint received 2021-05-19
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: CITIBANK, N.A. (NY)

Back in XXXX I originally lost my information in a wallet and i wasn't aware of motoring my credit. So, in XXXX when I checked my credit report. I seen so these accounts that did not belong to me. I requested to have 3 Credit agencies freeze my credit file and added fraud alert. Then started disputing the accounts that didn't belong to me and the only one that has not deleted the remaining credit cards accounts is XXXX. The other 2 comply with my request back in XXXX. It will be 8 months and counting that no changes were made with these store credit cards accounts that do not belong to me. I sent Equifax copies of the FTC ID theft report copies and still no deletions were made. I can't allow to use the excuse of COVID due to delays when is my personal information is at jeopardy. I demand these accounts be deleted immediately or i will file ligation due to the distress XXXX caused me.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNT XXXX  XXXX never late DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX  XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX  XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine DEPTEDXXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX  CC XXXX not mine US DEPT ED XXXX not mine US DEPT ED XXXX not mine COLLECTIONS 08 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

PLEASE! SOMEBODY HELP! THE ATM HAS JAMMED AND STOLEN THE {$14.00}, I DEPOSITED ON XX/XX/, AT THE LOCATION THE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX 

ALTHOUGH, BANKERS WERE STILL INSIDE, I WAS NOT ALLOWED TO COME INSIDE AND GET HELP WITH THE MATTER. 

A FEMALE BANKER GOING HOME, TOOK THE RECEIPT GIVEN TO ME BY THE ATM, LOOKED AT IT AND SAID, THIS HAS HAPPENED A COUPLE OF OTHER TIMES TODAY, I DON'T KNOW WHY, IT SAYS IN 2 DAY BUSINESS DAYS, WELLS FARGO WILL FULLY CREDITED YOUR ACCOUNT, NO FURTHER ACTION IS NEEDED. 

MY ACCOUNT WAS CREDITED XXXX CENT ONLY. 

MY ACCOUNT HAS NOT BEEN CREDITED THE {$14.00}, AND RECEIVED AN EMAIL TELLING ME TO WAIT 10 BUSINESS DAYS, WHILE WELLS FARGO INVESTIGATES. 

I'M XXXX  AND ON XXXX, AND NEED ALL OF MY MONEY, NOT SOME OF MY MONEY. 

THIS IS AN OUTRAGEOUS THAT A BANKING INSTITUTION, RIPPING OFF MONIES THAT ARE PROTECTED. 

GETTING THE RUN AROUND AT THE 800 CLAIMS DEPARTMENT. 

I ALWAYS PUT IN {$14.00}, SO CAN WITHDRAW A ROUND NUMBER FROM THE ATM, AND NOT HAVE TO GOING INSIDE THE BANK. 

MOST DAYS I CAN HARDLY WALK.
Consumer complaint received 2022-01-31
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. (IL)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (TX)

I am writing to formally dispute several hard inquiries on my credit report that I never authorized. These inquiries were performed without my consent and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Enclosed is the FTC Report highlighting the inquiries that I am referring to.
Consumer complaint received 2021-05-19
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-02-01
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 (NY)

Reply to Complaint ID XXXX : Respondent ( Discover Bank ) failed to address why their customer service representative belonging to Discover Bank assured me refund after I upload letter from XXXX XXXX attesting to the quality of product as not as advertised. Attached is the letter I uploaded over XXXX ( XXXX ) months ago. XXXX XXXX  is not addressing Misrepresentation of fake leather being sold as genuine leather. Moreover, XXXX stated on phone I received their nurse promotion as part of XXXX giving free furniture to nurses minus delivery charge ( attached ). XXXX however charged my card full price anyway, no contract or paperwork was ever given to me because whole purchase was done over phone during covid.
Consumer complaint received 2021-05-19
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. (NC)

Equifax is reporting 1 derogatory account on my credit report with no creditor listed. I am unable to send out a validation request because I am unaware who is reporting the account or if the account belong to me. I have sent over 4 dispute letters since XX/XX/2020 to Equifax asking them to investigate the account and I have yet to receive a written response or see any updates on my credit report.
Consumer complaint received 2021-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

I have an AES loan. It was on hold w the pandemic. I have reached out ove rthe last year to see when I would need to start repaying and I can not get an answer. I am abroad, their website is blocked here. When I email the company, they email me back through the website and I can't access their response. I have tried to call but the wait times are so long I literally have run out of {$50.00} credit on just wait times about four times. I filed with the XXXX  but they couldnt help me. I need the company to actually talk to me and let me know when I need to make payments and how to adjust them based on my income. This is crazy how difficult they make this.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (TN)

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

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/21 an unauthorized wire transfer in the amount of {$3500.00} was sent from my Chase checking account to a XXXX XXXX account along with a fee of {$25.00}. This transfer occurred as I as on the phone with Chase handling fraudulent activity that was occurring on my debit card on the same day. I was told that it seemed like someone had access to my mobile banking. 
A claim was made on XX/XX/21 regarding the wire transfer fraud and Chase requested to recall the funds from XXXX XXXX. On XX/XX/21 Chase sent a secure message stating that a recall was not possible and advised me to file a police report. I filed a report with the XXXX County Sheriff 's Department ( report # XXXX ). The Investigator called on XX/XX/21 and stated that there was a clear indication of fraud and funds should be returned, his contact information is XXXX. I then gave this information to Chase on XX/XX/21 and received a duplicate response from chase on XX/XX/21 stating to contact law enforcement once again. I stated that I already did, that they were able to see that it was in fact fraud and stated that I should have money returned. On XX/XX/21 I received a message stating that they can not return money because the money is not with them. I have tried multiple times to get my money back, jumped through every hoop I was told to comply with Chase, and still have not gotten the funds returned.
Consumer complaint received 2021-05-19
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. (NJ)

not mine : fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SINGLE FAMILY XXXX XXXX TER XXXX, NJ XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NJ XXXX SINGLE FAMILY
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Bal : {$1300.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$1700.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2021-05-19
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. (TN)

XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2021-05-19
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. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I submitted all documents on XX/XX/2021. There has been no response or actions taken by the Credit Bureaus.
Consumer complaint received 2021-02-23
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: Westlake Services, LLC (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019, XX/XX/XXXXWESTLAKE FINANC Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The credit bureaus stated that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX. This ground for removal. They also violated my rights under XXXX XXXX 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 Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-21
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-21
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX. About 3 weeks ago they started limiting the amount of money I could transfer from my paypal account to my chequing account to {$3700.00}. Now they have closed my account. They are holding {$1200.00} XXXX dollars. I can not transfer it or send out my invoices. They said they will hold my money for 180 days and email me then what to do to try and get my money. I have invoices sent out and they block the payment. I have over {$1000.00} in invoices sitting to go out and they can not be sent either. Please help me have my account reopened. Thank you so much XXXX Paypal reference # Ref ID - XXXX