davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX did not hire a collection repair company. My claim has not been validated i have been try to get this looked in too since XX/XX/XXXX and the credit agency are blowing it off and not looking at none of the facts thats this is not my account. I received a bunch of garbage from the XXXX XXXX XXXX with a made up contact that is not my signature. I and sending the made up contact and a copy of my Id please compare the too and look at the us postage which i sighed and my looks nothing like the made up copy righted signature. The credit agency is not even validated the account they are refusing to do there job. And putting wrong information that does not belong to me on my credit report. Also they removed Next step funding off my file back in XX/XX/XXXX and thats who sent the contact for XXXX XXXX XXXX a fraudulent account. i filled out with my And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For security collection service XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report. Please actually ready all Correspondence and remove this fraudulent account
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Institution : Citibank , N.A . 
Issue : Failure to Honor Extended Warranty Advertised Details : Initiated claim for protections under the Costco Anywhere Visa by Citi. Warranty coverage advertised at two ( 2 ) years from Costco plus an additional two ( 2 ) years from Citi for a total of four ( 4 ) years of warranty coverage. Citi requested five ( 5 ) documents to process the claim : ( 1 ) Itemized Store Receipt ( 2 ) Copy of Manufacturers Warranty ( 3 ) Repair Estimate ( 4 ) Photos of Item ( 5 ) Copy of Extended Service Plan All documents were provided. After several weeks, Citi requested an additional repair estimate, which was also provided. Several weeks later, well over a month from the initial claim, Citi further requested : ( 1 ) Please provide the billing statement showing the purchase of the item As this is a claim for an item purchases 3 years ago, Citi does keep those records readily available and must be requested separately. Thus, I would need to request the statements from Citi to provide back to Citi to process the warranty coverage, all for an item which is covered by the advertised warranty. It is also important to note that this most recent requested item was not requested from Citi initially over a month ago and should not be the consumer 's burden to provide as this is all data that is owned and accessible by Citi. The obstacles Citi has put in place are excessively burdensome to successfully process an extended warranty claim and does not align with their advertised extended warranty coverage.
Consumer complaint received 2019-06-04
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. (CA)

This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX/XXXX XXXX****, XXXX XXXX XXXX****, XXXX/XXXX   XXXX****, XXXX/XXXX XXXX***,
Consumer complaint received 2019-06-04
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. (TX)

I have persistently reached out to this credit bureau in response to an account being reported on my credit report as a closed account stating I have a balance owed I have also reached out to debtor as well this information is incorrect the debtor nor credit bureau can provide me any info to support this debt is my debt nor provide my signature or provide method of verification of how account was verified this debtor received payment from XXXX XXXX and is trying to illegally collect.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (FL)

I have a new hard inquiry on my XXXX that I don't know. It is from elan financial whom I don't know They have left no contact info. 
I called XXXX with no results. Please help for I believe this is an attempt of identity theft.
Consumer complaint received 2019-08-23
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: ERC (TX)

Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XXXX, XXXX and XXXX 2019, I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. 

I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute in XXXX and XXXX of this year. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. 

The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. 

If they indeed are alleging that I owe them for a XXXX bill, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$260.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my requests, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (LA)

I put a FRAUD ALERT, CREDIT FREEZE, AND A HOLD on my credit file over a year ago, and I am still have my credit report pulled constantly by different companies without my authorization and all XXXX agencies are refusing to delete the inquiries from my credit file which now shows I have over XXXX pulls in over a years time. 
Then lately I had a XXXX claim paid off XXXX credit cards from XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( all account ) and they the credit bureus and banks has refused to update my account as paid and and XXXX balance, I have even sent them the letter of the paymets sent to them and verified the payment had been received. 

XXXX XXXX has reported the account past due which has brought my credit score down to a XXXX from a XXXX. 

Third ; all XXXX credit bureara, has refused to correct my address, phone number on file I have sent in my social secutity card, utility bills, DL, ect and they refused over and over again. 

Equifax refuse to even send me a copy of my file at all even when I send them a denial of credit. 
XXXX refuses to dispute any of my request saying that I have no grounds to dispute even with new evidence. 
XXXX same outcome. 


I have asked that the freeze stay on my credit report but I have ask that I be opt back in to receive offers from my current creditor and I have not had that fixed either.
Consumer complaint received 2019-06-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (SC)

Our mortgage is serviced by M & T Bank. M & T made a disbursement from our escrow to XXXX XXXX XXXX for flood insurance. I have had flood insurance for several years and I pay that separate from the mortgage. Flood insurance has never been part of the mortgage. The bank made this disbursement without my knowledge and consequently it caused the escrow out of balance and increased my monthly payment. 

I contacted M & T first thing Monday, XX/XX/2019. My goals were three fold : 1. to have M & T acknowledge this problem 2. M & T to issue a corrected escrow analysis and 3. to restore monthly mortgage payment. 

M & T initially stated they could not issue a corrected escrow until the insurance company returns the money to the bank. At this point I am beyond frustrated M & T made an unauthorized payment from my escrow and I have to wait to have my account reconciled until the funds are restored to the bank.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

Once again JP Morgan Chase Bank reversed charges previously posted to reflect a negative balance and then charge me {$34.00} insufficient funds fees 3 times for a total of {$100.00} On XX/XX/2019 my car insurance XXXX automatically withdrew an electronic payment from my account in the amount of {$210.00}. At the time, my checking account balance was {$1900.00} leaving a balance of {$1700.00}. On XX/XX/XXXX, my life insurance also posted an automatic payment from my account for {$80.00} leaving a balance of {$1600.00}. On XX/XX/2019 another automatic payment from XXXX XXXX XXXX in the amount of {$1500.00}, leaving a balance of {$380.00}. On XXXX XXXX XXXX XXXX  XXXX  posted a second automatic payment in error for the amount of {$1500.00}, leaving a negative balance of $ XXXX for which JP Morgan Chase is entitled to charge me an insufficient funds fee of {$34.00} and should have returned that payment. Instead JP Morgan Chase reversed the car insurance payment and the life insurance payment that I saw already posted on my account to show they came after to then justify charging me {$34.00} three times, They returned the XXXX amount and the life insurance amounts but paid the 2nd amount of XXXX XXXX XXXX posted in error. The second amount was paid to XXXX even though there was a huge negative amount of $ XXXX. I was then charged the third amount of {$34.00} for a total of {$100.00}. I contacted both the car insurance and life insurance companies to verify the dates they posted those automatic payments and they were done on the dates I stated above ( I have the documentation to prove such from both organizations ). I check my account after I make any payments and after I know payments are scheduled to come out, so I am very much on top of my balances. Chase is fraudulently charging these insufficient funds fees to customers because they count on most people not checking their balances regularly. I want those charges removed. I think a class action lawsuit should be made by the banking organization that monitors banks who commit fraud.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Please block these accounts due to the fact that they are not mines and I have expressed this on multiple occasions however, the credit reporting agencies especially Equifax has ignored the rules governing consumer investigations. I requested a Method of Verification atleast 3xs, but did not receive not 1. I would like to know every detail of your companies investigation into the following accounts or these accounts shall be removed immediately. And as a general rule it is not ethical for the reporting credit agencies to accept electronic Verification as proof of a valid account. I'm hereby demanding that these accounts be blocked. 

1 ) XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX 8 ) XXXXr XXXX XXXX
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I called a credit card company to start a balance transfer in the amount of XXXX and XXXX to pay off my credit card and yet this is my second complaint that Im filling and again Wells Fargo put my payments on hold 11th time since my account is open on XX/XX/2018 .. and Im so tired of this and they putting my checks on hold and they are legit and I provided faxes to Wells Fargo and they kept saying they never received it and I went to the branch and Im getting a message from that banker that I have to wait 4 days for the hold released but I was charged for faxes around XXXX bucks and my time and my money was wasted ....
Consumer complaint received 2019-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX co-signed loan on car with daughter. Vehicle was financed through KIA Finance USA for a total finance of {$28000.00}. In XX/XX/XXXX, while parked, in driveway the vehicle was totaled by XXXX the insurance company that I had insurance on through at the time. Before the vehicle was totaled, there were a total of nineteen ( 19 ) payments made. Seventeen ( 17 ) payments at {$550.00} a month totaling {$9300.00}. OnXXXX ( 1 ) payment made for {$550.00} and one payment made for {$560.00}. This was what was quoted to me on XX/XX/XXXX by a worker at the customer information center at KIA motors finance USA. I did not write down her name. I also asked that same customer service rep at KIA motors finance how much did XXXX pay when the car was totaled? She answered {$14000.00}. I asked how much did the GAP insurance pay? She answered : {$6700.00}. KIA motors finance also received refund of extended warranty of {$610.00}. That comes to a total of {$32000.00}. The total amount financed according to the copy of the contract that I have says {$28000.00}. Subtracting total payments made, insurance payoff, GAP insurance payoff and the refund of the remaining warranty shows a difference of {$3700.00} positive or extra monies that KIA motors finance received. KIA Motors finance USA is still showing I owe {$1300.00} on my credit reports. I say KIA Motors Finance USA owes me the overpayment of {$3700.00}. KIA Motors Finance USA has sent to several collection agencies for the amount of {$1300.00} and it needs to be removed from my credit reports because it is showing as negative credit on my credit reports. The KIA MOTORS FINANCE ACCT IS : XXXX. The contract date was : XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX now known as KIA of XXXX XXXX , Florida .
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2019-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, my friend sent me {$800.00} through PayPal. They were told adding checking accounts to transfer funds, would take a few days and was given the XXXX for funds to be transferred to me. Days later it said the funds would be available on XXXX. It is now the XXXX and the money is still in pending status. There is no option to accept or receive money. This part is complex as it is and always has to be hunted for rather then just being an option next to money transfer information. 
I ( we ) know that PayPal is making money on interest as they hold this money. There is no reason this should take 8 days now.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent XXXX dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (IL)

The medical related collection account # XXXX in the amount of {$830.00} which is reported to the credit bureaus by Amerifinancial Solutions is fraudulent and was a result of ID Theft. I have already corrected this matter several years ago by contacting the original creditor and submitting copies of the police report and FTC report. 
Amerifinancial Solutions has violated FDCPA by not notifying me in writing and denying me the opportunity to dispute their claim and request validation. They have listed this fraudulent debt by changing the account number and reporting it to the credit bureaus as a new collection account. I contacted Amerifinancial Solutions on XXXX XX/XX/2019 at XXXX via phone call and spoke to XXXX advising her that I don't owe this amount and requested a fax number to submit supporting documents but she refused to provide a fax number. I have no responsibility to this debt, this is not my debt and it is injuries to my credit report.
Consumer complaint received 2019-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SAMUEL I WHITE PC (MD)

XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will prove that I have been in a modification position since last year. I have submitted every document requirement requested by XXXX XXXX XXXX XXXX. However, this financial institution filed a foreclosure action a XXXX-year old XXXX  woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to XXXX XXXX XXXX XXXX within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX  within a reasonable time period.

2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition.

3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation.

I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   XXXX ( XXXX  ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/2019 I was emailed saying someone sent me roughly {$590.00} through XXXX/chasepay. 

I wasn't aware that someone owed me money but whatever. 2 hours later I tried to log into my account to see if it was a mistake and that's when I noticed I couldn't log into my bank from mobile or from desktop. 

XX/XX/2019 roughly XXXX I called Chase bank to restore my access. They informed me that they froze my assets and my account because someone sent a fraudulent XXXX to my account. I advised them immediately that I don't know the person or the amount, yet they still kept my account frozen over a XXXX transfer. They said the need to investigate, but that department is closed till Monday. Since this happened on a Friday, they have kept my account frozen over the weekend and probably wont investigate till Monday and probably wont unfreeze my account till who knows when. I HAVE NO CASH AND NO MONEY TO BUY FOOD AND I AM STARVING. I never would have though that my account would be frozen otherwise I would have kept cash at home so I could buy food. Chase should not be allowed to randomly freeze peoples accounts when they DID NOTHING WRONG. Especially since in the terms for using XXXX, it says you can't chargeback a transfer, and yet, apparently you can. Clearly some scammer is messing with me. I have over {$7000.00} in my account and they froze it all over a {$590.00}. I get it, freeze or take the XXXX XXXX, but they should have ZERO rights to freeze my XXXX.