davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

we have applied for a loan to Re-finance to a lower rate. Citi Mortgage sent us invitation to refinance with a {$1000.00} coupon. We followed their instruction and paid appraisal fee on XXXX XXXX XXXX.My property value came up to {$1.00} XXXX. My credit Score is XXXX by credit reporting, We applied for a loan amount of {$450000.00}. 
Citi mortgage broker asked us for 12 documents. We have sent citi mortgage all requested documents at least 5 times or more each time. Every few months for several months during year XXXX. 
On the XXXX of XX/XX/2021, The Broker Mr. XXXX XXXX called me that he need one last document. A copy of one month 1099 direct deposit, from my wife employer, to citi bank statement where my wife carries professional corporation account.

We have sent him THREE MONTHS statement XXXX XXXX. We also told him that the Employer does not send PAY STUBS each month. They only make direct deposit each month an the stub is sent at a latter month, or when requested.And 1099 is prepared end of the each year. That is how it is setup with the employer.Mr. XXXX the broker told us that he need XXXX statement. We sent a copy of direct deposit from Citi bank statement, to him. We have told him that the month of XXXX did not end of yet. This will be given XX/XX/2021. Mr.XXXX XXXX the broker started to argue with me. And my LOAN got cancelled, because of my wife pay stubs. Although we showed proof of payment, from employer.They discriminated our loan with no apparent reason.
Consumer complaint received 2019-03-28
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. (UT)

XXXX XXXX a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.
Consumer complaint received 2024-12-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

On XX/XX/year> I filed a police report with the XXXX XXXX XXXX account stating that it is a fraudulent account. The XXXX XXXX XXXX account was previously removed from my credit report and had been resolved. However, I recently noticed that I C System Inc. has placed this account back on my credit report. This action is unexpected and has caused concern, as I believe the account should not be re-reported. The reappearance of this account is impacting my XXXX XXXX and overall financial standing. I am requesting that I C System Inc. remove this account from my credit report immediately. The re-reporting of the account is an improper action, and I would like clarification on why this occurred. If the account has been resolved or deemed fraudulent previously, it should not appear again. Ensuring accurate credit reporting is essential for maintaining my financial health. I urge I C System Inc. to take corrective action to remove the account.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NV)

XXXX XXXX sent a fraudulent check for {$1700.00} to Chase Bank. I called Chase agent on XX/XX/18 at about XXXX and told them there may be something coming thur. The agent ask me what is check number. There is no check. She said we can not stop any funds unless we have a check number. She than said watch you account and if you see anything come thur, call Chase and then you can stop the funds because it will be pending. I said ok. On XX/XX/18 at XXXX XXXX I looked at my Chase checking account, it as debited {$1700.00} plus a {$34.00} insufficient funds. My checking account had about {$750.00}. But Chase paid out a {$1700.00} fraudulent check and then said I ow {$1000.00}. Plus {$34.00} over draft. I called Chase up, that morning and ask them to stop that the {$1700.00} check because it was fraudulent. Chase told me the checked cleared and they can not stop it now. I told the chase agent why did you clear that check because I told them the day before it was fraudulent. Why did you not call me up and ask me if they should pay it out since I did not have enough funds in my account. Chase said it up to us to pay it out. I cant believe it. I restricted my account because Chase would not close this account because there is a $ XXXX. balance. Chase paid a fraudulent check. 
The check was made up by XXXX XXXX and said client does not have to sign the check. That should have raise flags. Chase action is also fraudulent. 
Im XXXX, XXXX XXXX XXXX And a Vet. 
Please help me Im attaching a copy of the check. 
Thank you
Consumer complaint received 2021-10-06
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. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CT)

I purchased a car from XXXX using a vehicle for trade in. XXXX XXXX XXXX the payoff check for aforementioned trade in vehicle on XX/XX/XXXX, it was received by Wells Fargo Dealer Services on XX/XX/XXXX and Wells Fargo lost the check and as of this date, the loan is still outstanding and I am accruing interest and late fees not to mention the account is delinquent and my credit score is taking a hit. The XXXX  tracking number is XXXX and it was signed for by a Wells Fargo employee XXXX XXXX on XX/XX/XXXX but Wells Fargo lost the check. PLEASE HELP!!! Wells Fargo 's number is XXXX unless you have a better number to get to someone higher than just a customer service rep who is no help. 

Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2018-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: North American Asset Services, LLC (WV)

XXXX XXXX XX/XX/2017 Did a hard inquiry on my report and said I told them it was fine, I was shopping around for a lower rate but didnt talk to anyone or meet, said I would get up to 3 free offers and when I clicked on them they han it and didnt think they would do that. Talked to them and said well you did and we wont remove it.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020 we tried to refinance our mortgage with Chase. At the time of the application Chase asked me to provide a {$500.00} downpayment with the understanding that if the refinance application was not approved it would be returned. I paid the {$500.00} with my Chase credit card. We had agreed upon the terms however Chase came back with different terms which we did not agree. Chase approved the application with different terms such as over a {$100000.00} mortgage when my mortgage that I wanted to refinance was only {$54000.00} ( approximately ). The reason they said was because they found a credit card under my wife 's name that allegedly was charged off. We disputed that allegation. Chase attempted to add the alleged amount owed to our mortgage. Initially when they did the credit report on me and my wife it did not show up. Since the application with the terms we initially agreed upon was not approved I requested a refund of the {$500.00} but they refused. I disputed Chase 's attempt to retain the {$500.00}. I am XXXX XXXX XXXX and my wife is XXXX XXXX XXXX. I believe that they were trying to take advantage of me. I requested numerous times a refund and to this date I have not seen the credit on my credit card. I have asked them if they have credited my account to show me proof and they have not provided anything, Attached are the emails and most recent email that was sent but no response.
Consumer complaint received 2021-04-14
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)

XXXX XXXX should not be reporting to Equifax ; Experian and XXXX  a collection/chargeoff of {$380.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account is 2013 and this account is well over ( 7 ) years old and therefore should not be reporting at all. This false reporting is seriously harming my credit score and this line item needs to be removed. It is violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Works & Lentz of Tulsa, Inc. (OK)

Receiving multiple calls and leaving voice mail to call XXXX XXXX XXXX from Works and Lentz.

I have notified this company I have no collection debts and have notified them in writing to cease and desist as well as filed multiple complaints with CFPB regarding this debt collection company contacting for debts that are not mine.

Multiple Cease and Desist as well as Identity Theft Affadivits have been provided by myself and CFPB as well as all Credit Bureaus.

I am also receiving robo calls from this company and I am on The Do Not Call List.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

I currently have no debt. I pay off my credit cards monthly and recently paid off my mortgage. My credit rates has dropped over 100 points with one organization and the other indicates that they cant calculate a rating. 

Its sad that an individual is penalized for payoff their debt and has never had a late payment. Very unfair!
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

XXXX XXXX XXXX CLAIMS I OWE A {$39.00} DEBT Date Date Created : XX/XX/2014 Date Debt/Collection : XX/XX/2014 Amount of Debt : {$39.00} I am told by this Debt Collection Company that this Debt is in favor of XXXX XXXX XXXX XXXX. I'm not sure how this debt was created but this debt was not created by me. I have been a victim if identity theft and this is not my debt. I have lived in XXXX for the last XXXX. 

I ask that XXXX XXXX XXXX release this debt and clear my name
Consumer complaint received 2021-10-06
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: Lending Club Corp (SC)

LENDING CLUB CORP Account XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX - {$32000.00} XXXX/XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX {$17000.00} {$20000.00} reporting XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in XXXX  from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was XXXX  ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX  ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX  and fatigue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I noticed unauthorized inquiries on my Equifax credit report and I would like them to be removed. The companies that inquired were XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Requesting for all 3 Credit Agencies to update my Personal Information. It appears that as of 30 days ago my legal name XXXX XXXX is not listed on my credit report. As if an unauthorized individual hired a 3rd credit agency to update my personal information without my consent. I do not work with any 3rd party credit agency to resolve any credit issues. I personally work on my own credit disputes. It appears that someone has access to my personal information and tampered with my credit and personal information. I need my credit report to reflect my legal last name since I am still currently married and have not changed my legal name. It remains as is XXXX XXXX. All other XXXX are listed such as XXXX XXXX. The credit agencies received numerous disputes to resolve this issue. The credit report must be accurate to cross reference marital legsl name and birth name. Please notify all 3 credit agencies to update and resolve the names that are listed which the credit report should reflect XXXX XXXX, XXXX XXXX and last but not least which is the current legal name XXXX XXXX. Thank you
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (OK)

Over the past week I have received multiple calls from what appears to be a debt collector named allied interstate. They do not leave a message, they do not identify themselves. I have received no written communication from them. I am not aware of any debt that could be owed to them. I have had no opportunity to dispute whatever they might be calling about. I don't even know if I am the person they are trying to reach.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CO)

XX/XX/XXXX - Without any fraudulent activity whatsoever, or anything that could be perceived as such, Bank of the West " temporarily blocks '' my debit card without contacting me. 

I notice over the next few days transactions declining. I thought, that's weird, and I have the balance to cover, must be a problem with the bank. I used a credit card and moved on. After the 3rd time, I was really concerned and tried to call the bank. I sat on hold for over an hour in a business waiting to pay for my items. It was a waste of time, and an embarrassment. At this point I couldn't wait on hold anymore and had to just move on with my day. 

XX/XX/XXXX - 5 seperate calls to the bank. 3 to the customer service line totaling 6 hours on hold, 2 to the local bank, which is simply an automated " We are open from these hours to these hours '' and hangs up. I am extremely frustrated, and don't have any more time in my schedule to deal with this at the moment. The bank is refusing any attention to my problem. I still have not been able to access my funds since the XXXX. 

XX/XX/XXXX - Send a message through banking app requesting information, get a response telling me to call the Fraud Prevention Department. 

XX/XX/XXXX - I call Fraud Prevention Department number provided, they say that they have no record of my account at all and to contact customer service - the same people who told me to call the FPD. Attempt to call back the Customer Service Department, still waiting on hold. The customer service line has been " experiencing higher than anticipated call volume '' for over 10 days without customers being able to reach them at all. They do not care that my bills will be overdue because of their negligence. As of today, their website and mobile app are down in several ways ( cant check balances or access home equity line of credit services ) and there is nobody available via phones either. That means 0 % access to accounts for almost two weeks.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and EQUIFAX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$8100.00}
Consumer complaint received 2018-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hi, I sent a SEPA transfer on XX/XX/XXXX from my bank account to my Coinbase account. The total amount was XXXX. 

On XX/XX/XXXX Coinbase reversed the payment and sent me this email message : " We're unable to process your recent deposit for XXXX EUR sent on XX/XX/2018. 
These funds will be returned back to the sending bank within 1-2 business days. '' Two weeks have passed since then and the money have not reached my bank account yet.

I opened a support case asking for this issue and they answered with an automatic respond. After that, I have sent several mails to Coinbase regarding this issue, but they do not respond anything.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IA)

Faye Servicing sent me a " right to cure '' notice regarding my home mortgage. Within 15 days, I got a statement from them, increasing the balance due by over {$1000.00}. As I am in a chapter XXXX bankruptcy ( they got the stay lifted because my attorney failed to respond ), they continually refuse to speak to me on any level to try and resolve this situation or find a solution. 

I have made over 10 calls to them today alone, and 5 yesterday, spending over 4 hours on hold, and can not get any direction or support or assistance. My attorney was in email correspondence with their attorney, and a lady who identified herself as a Vice President for their company ( XXXX XXXX ). He specifically told both of them in writing that they had permission to speak with me, Faye Servicing simply keeps stallling, and putting me off no matter how much I try to find a solution. I have over 85 % of the funds to bring my mortgage current, and will have the remainder within 20 days, but Faye just keeps sidestepping any and all efforts I make, I have to believe that thier ultimate goal is NOT reslving my issue, but in trying the get to take my property, and the approximate {$120000.00} of equity it holds. PLEASE HELP!!!!
Consumer complaint received 2024-10-29
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. (IL)

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>