davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-09
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: CL Holdings LLC (VA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX XXXX ) SEE ATTACHMENT 2 )  XXXX XXXX XXXX ( XXXX XXXX XXXX  ) SEE  ATTACHMENT 3 ) JEFFERSON CAPTIAL SYSTEM ( XXXX XXXX ) SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IA)

I am, at present, unable to pay my revolving credit card debt and continue to pay my basic living expenses as well. I'm aware that I may owe this debt and do not intend to be reminded be Citi Bank - Best Buy Credit Card, the ( " Creditor '' ), through repeated phone calls, text message, emails and correspondence that I do owe it. Such tactics are nothing more then pressure harassment that will not be tolerated. Currently, there are no issues or specific instances to detail as the account is paid current up to XX/XX/2020, however ; I will not be making payment going forward. Therefore, this complaint is intended to preemptively stop the " Creditor '' from engaging in the harassing collection tactics mentioned above. It is respectfully requested that the " Creditor '' recognize this complaint as a formal " Cease and Desist '' from all collections efforts. Violations of this request after XX/XX/2020, will be considered a violation of this " Cease and Desist '' and will be handled as such.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The XXXX XXXX XXXX XXXX company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely XXXX, Equifax and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to XXXX XXXX XXXX for the last 4 months. Yet they still report a 30-day late payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from XXXX XXXX themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (MI)

Since approximately lateXX/XX/XXXX around the XX/XX/XXXXof the month I have been in contact with the company Moneylion to regain access to funds in my accounts. There is one checking account and one investment account. Customer service representatives since this time which mind you is within an approximate few day range of contact when I started speaking in regards to the problem sent a debit card to the wrong address allegedly and this card was irretrievable. They furthermore claimed they were sending me a check in canceling the account which I was later told was either sent to the wrong address or was sent later. The check never arrived and was passed their conditionary time for getting it to me. Customer representatives claim for the most part they do not have the power to do much and then some claim they can do things for example : a transfer to an external account isn't able to be performed by a Customer Representative  though one said they would, one said a Supervisor even could not do this, then another said only Supervisors can do this. The amount of misguided information I received from these customer service representatives whom for over two months could not solve a problem and mishandled the situation with my account including Supervisors whom allow and permit this to go on are quite to my disgust in business management. I've worked with previous companies who could assist me in 5 minutes..not over two months. This company that  throws out manual help apparently because they are so streamlined and automated and more effecient have left me without any use of my funding I receive for a temporary time to purchase food supplies, health drink supplies, any form of medical supplies, all which have nearly thrown years of data off of my XXXX XXXX studies which include studies in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Thanks to the local area however, I have been able to bridge the chasm so to speak this company created that otherwise would have destroyed valued findings in which I am contributing to the XXXX XXXX XXXX of the United States and various areas worldwide. Can we solve the problem any sooner these days? This is the yearXX/XX/XXXX A.D. afterall.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MO)

In XXXX, I requested and was granted forbearance on my mortgage loan with Loan Care. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan. 

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance. 

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (CA)

On or about XX/XX/2020, Discover Bank opened a money market account in my name. I did not instruct them to do so. I have asked a manager at Discover Banks XXXX Customer Service group to contact me via phone to discuss this issue, but she has not done so. She ( XXXX ) told me via email on XX/XX/XXXX that she considers the matter addressed since the account has now been closed ; however, I dont believe the situation has been adequately investigated and reported to the appropriate regulatory bodies. This is an account that I did not request, and should therefore raise some level of alarm within and outside of Discover Bank.
Consumer complaint received 2021-09-18
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: I.C. System, Inc. (FL)

Hey, you are not taking this seriously. I sent multiple disputes in regards to these issue. Don't force me to believe that your report is accurate. Technically, the report is incomplete and unverifiable. I gave you enough time to prepare all the documents to prove this on me but you've failed. You are now demanded by the law to remove this inaccuracy from my credit.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX and I am not a third party. I am a consumer disputing again for myself. 
I disputed information on my credit report that some how without doing a proper investigation like interviews with neighbors, friends, associates as the law states Equifax should, Equifax relied on electronic verification instead. No original documents no accounting audits nothing 100 % accurate and verifiable as Congress makes clear just a paid verified. I XXXX XXXX also never gave Equifax written consent to furnish any information on my consumer report 15 USC 1681b ( a ) ( 2 ) No Permissible purpose and youre reporting fraudulently with no consent. Now, Equifax is civilly liable.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is XXXX me out because i XXXX XXXX have the right to dispute anything inaccurate by law
Consumer complaint received 2019-08-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (PA)

I had an unforeseen problem with my mortgage payment for XX/XX/2019. I set up the mortgage payment on the Sunwest mortgage company website for XX/XX/2019. Even tho this would have been 30 days late I was willing to pay late fees. I planned on paying the XX/XX/2019 payment on time. XX/XX/2019, received a phone call from a representative from Sunwest mortgage, in ref to XXXX payment. The rep explained no payment was pending or received. I explained I set up the payment for XX/XX/2019, at that point, I signed into the Sunwest site online. to check the status. No payment was pending, I told the REP I would pay the mortgage now. The REP advised me they block the payment part of there website and I wouldn't be able to pay it online. I told the REP this doesn't make sense to block me from making a payment and this is my complainant. Why would any business make it difficult to make late payments, I could O made my payment over the phone, but I rather make a payment online, I decided to mail the payment in and making it longer for the payment to clear. In the meantime, Sunwest will continue to make collection calls, as a result of blocking the online payment site.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (PA)

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency.

Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. 

Delete the specified accounts from my consumer report and all your systems.
Consumer complaint received 2021-12-05
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 in the month past of XX/XX/XXXX XXXX no reason and will not help me with getting it back up and going i am not sure if there is some mistake as i assume it has to be i have not been able to get help feom six months, i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used paypal guide frequently my email linked to my paypay is XXXX XXXX
Consumer complaint received 2021-07-08
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. (NJ)

EQUIFAX IS REPORTING 11 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. XXXX  IS REPORTING 30 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. XXXX IS REPORTING 19 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021.
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: EAST WEST BANK ()

On XX/XX/2020, I transferred money from XXXX XXXX XXXX to a friend account of East West Bank, which was XXXX USD. 
but my friend gave the wrong account, that account has been deleted, causing the transfer failed. 
Until today, my friend has repeatedly asked his customer manager to return the money. But the customer manager did not process it, and I did not receive a refund. 
The following is the transfer information : From Account : XXXX ( XXXX XXXX To Account : XXXX ( XXXX  ) To Name : XXXX XXXX
Consumer complaint received 2021-12-04
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. (IL)

I noticed that my profile report contains unauthorized accounts that are illegal. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be re-examined in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my information was exposed as a result of the Equifax data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FCRA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I'll seek a default judgment and file a class action lawsuit under TILA 1640 on behalf of at least 1 % of the corporation for violations, XXXX, and XXXX XXXX, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Hello, I opened a checking account with Citibank in XXXX because I received an offer for XXXX XXXX XXXX points if I met the following conditions : 1 ) spend XXXX dollars via this account in 60 days from opening 2 ) make at least one bill pay in consecutive months. 

During the 60 day window I had several chat sessions with Citi representative, which they should have on file, since these are archived, asking if I understood the requirements correctly to get the bonus. After the 60 day window, I was not awarded the bonus, so I reached out to customer service. They opened a dispute and the " Client Care '' team later told me I had not met the qualifications.

I reached out to customer service again and this time spoke with a supervisor. This supervisor and I walked through every single transaction to determine whether I had spent the XXXX from this account in the 60 day window as well as executed the bill pays. Supervisor XXXX said yes, I did. Supervisor XXXX said they would launch another dispute and not to worry, everything would get taken care of. 

After 10 days or so, I hadn't heard anything so I called back and asked to speak with a supervisor. I spoke with Supervisor XXXX. XXXX said that Supervisor XXXX never completed the dispute claim so no one was looking into it. Supervisor XXXX then reviewed every transaction in the 60 day window including the required bill pays. Supervisor XXXX confirmed, yes, I had met the requirements of the offer. Supervisor XXXX then agreed to file another dispute on my behalf including my thoughts that the company seems to actively be preventing me from receiving my bonus even while meeting the terms. 
I then received another letter from the " Client Care '' team describing the qualifications to receive the bonus and then go on to say that I hadn't met one of the requirements WITH DIFFERENT LANGUAGE THAN PRESENTED IN THE ORIGINAL QUALIFICATIONS. In their description of why I was not eligible to receive the bonus, they said I did not make 60 CONSECUTIVE DAYS of transactions which was not a TERM of the offer. 

Citibank is either extremely untalented in explaining their own TERMS of offers or engaging in dishonest behavior.
Consumer complaint received 2023-04-04
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 had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2021-06-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (IN)

I have been trying to work with PNC bank to try and get a mortgage processed and approved. The loan officer that has been handling my case has decided to ignore and cause massive disruptions in buying a home. Currently he refuses to respond to voicemails and emails to confirm any information to move the buying process along. XX/XX/2021 the loan process was started. XX/XX/XXXX, XXXX, XXXX and XXXX emails were sent to the loan officer with no response currently on XX/XX/2021. Currently I have sold my home and am in temporary housing waiting for the loan to go through. Since he has refused to respond in a reasonable time, the construction company is looking to sell the current home to another prospected buyer. I may lose my option to purchase a home and become completely homeless due to the loan officers incompetency to respond and communicate in a reasonable time.
Consumer complaint received 2022-07-29
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. (TX)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX