davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I emailed all my personal documents to Ms XXXX and filled out the form on Wells Fargo website. She called me on the phone many times and spoke to me. Told me I would get the REFI with a rate 3.45 commiserate to my credit score. She said there is no reason I could not be paying the amount she asked me how much {$1800.00} that is so much more affordable ( she did some calculations while speaking to me ). She even told me that I would stop paying the FHA insurance payment. But wells fargo did not give me the loan modification NOR refinance AT ALL. They sent me a denial letter with absolutely no reason listed. They treated me with bias and want me to keep paying the ridiculously high mortgage amount. 
Modify the loan to make the payments lower. I am a single mother of XXXX kids. I am trying to keep my kids straight, keep a roof over their heads and send them to college. 
This whole mortgage fiasco is set up to take advantage of naive trusting consumers such as myself.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (OH)

I have a PayPal account. I am on vacation and have a business back home. I had some unexpected expenses arise and had my employee send the daily deposits to me instead of putting them in the safe. Did not want anyone having my company banking information. So I go to transfer the money to my personal account and get a message that my transaction can not be processed at this time. This was over a week ago. I called the customer service line and was told that they had put a hold on the account for suspicious activity because I hardly ever use this account and that the funds would be released in 72 hours. 72 hours later try to transfer said funds again and get the same message. Call back to the customer service center get told the same thing when asked to speak to a supervisor was told that they couldnt help me either. I am stuck down in XXXX I am from XXXX and I have a busted cv axle in my car that I need repaired. I have to pay extra funds to stay at the hotel because I cant drive my car and now am going to be forced to sleep in my broke down car because they wont release my funds that were deposited in cash for me to get my car fixed. They did not have any sympathy or any explanation all I want is my money so that I can go home
Consumer complaint received 2020-07-15
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. (MI)

We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company XXXX reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days ( which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXXXXXXXXXX   ) it was current, nothing past due. So XXXX mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

My credit card with Citi has been blocked multiple times within a month. 


Last time the card was blocked when I tried to do purchase at the supermarket via chip payment on the card. I have tried to reach out to the fraud department of Citi multiple times each time the fraud depart has trouble authorizing me. 
- They asked phone number on the account but that was not good for verification. 
- They promised to send me a link for recovery over email - I never received one. 
- They asked to provide another phone number - that was not good for them too. 
- They asked me to provide a person at my job to verify my identity. 

Sharing my personal information is 3rd party is against the Gramm-Leach-Bliley Act.
Consumer complaint received 2020-07-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Uptain Group, Inc. (MS)

On XX/XX/2020, I contacted Uptain Group to resolve an outstanding balance under {$60.00}. XXXX maintained a professional tone, but when I asked if Uptain Group reports unpaid collections to the credit bureau, her response was " This account hasn't been reported at this time. '' I then asked again if their company reports to the credit bureau. After asking the third time, she said they do not report. Her initial response was beyond false and misleading by answering " This account hasn't been reported at this time. '' The statement left much room for speculation that the account would/could be reported at some time.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (IL)

HAVE BEEN TRYING TO RESOLVE THIS CREDIT REPORTING INACCURATE INFORMATION WITH RISE CREDIT FOR A FEW WEEKS NOW. RISE REPORT MY PAID IN FULL ACCOUNT AS 30DAYS DELIQUENT. I DID CONTACT RISE AND T.HEY HAD A REP NAME XXXX WORKING ON MY ACCOUNT TO ENSURE THE INACCURATE CREDIT INFORMATION WAS CORRECTED TO REFLECT THE ACCOUNT PAID IN FULL ACTUALLY THE ACCOUNT WAS PAID COMPLETELY. HOWEVER IT HAS BEEN A BACK IN FORTH ISSUE WITH RISE THE INACCURATE REPORTING TO CREDIT BUREAU CAUSED MY SCORE TO DROP 30 POINTS WITH ONE AGENCY AND XXXX POINTS WITH ANOTHER. WELL TODAY XX/XX/XXXX RISE REPORTED TO THE CREDIT BUREAU THE ACCOUNT CLOSED THEY DID NOT REPORT THE ACCOUNT WAS PAID IN FULL BY ME. IT APPEARS LIKE RISE CLOSED THE ACCOUNT AND THAT IS TOTALLY NOT TRUE. I MADE EVERY PAYMENT WITH RISE ON TIME AND ALL PAYMENTS WERE MADE. I PAID THE ACCOUNT OFF AND THAT INFORMATION SHOULD BE STATED ON MY CREDIT REPORT ACCOUNT PAID IN FULL. THIS IS BEEN A CHALLENGING ISSUE TO GET RESOLVED
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (KY)

On or around XX/XX/2020, I submitted an email to this company asking to see the source of information, which is the original contract that contains my signature, according to FCRA Section 609. I have also produced documentation from the courts themselves stating that they do not report to the credit bureaus and therefore since the courts themselves did not furnace this information to the credit bureaus directly it is clearly a violation, which would be an inaccuracy, defaming my name and character. I asked for an reinvestigation and the only thing they could come up with is that it was reporting accurately. That is such a violation if it was reporting accurately the courts would have been the one responsible for how it is reporting on my report. Therefore the court did not furnish the information it is clearly an inaccuracy.
Consumer complaint received 2020-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

My car pyt was paid on due date of XX/XX/XXXX and cleared my bank. The Hyundai Motor Finance online shows my XXXX pyt as late and I have called them twice to complain. They say it is a computer klitch and they cant fix it. I said I dont want my credit report affected by this and they said they couldnt control that. I have never been late with any payments and I dont want my credit affected by this.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

PayPal - negative {$4600.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4600.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4600.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TaxServ, LLC (WA)

TaxServ XXXX XXXX, LLC sent a letter dated XX/XX/XXXX to collect a debt of tax owed on a vehicle totaling {$430.00} from the years XXXX and XXXX from XXXX XXXX CT. I sent a letter requesting validation of the debt via certified mail post-dated on XX/XX/XXXX. I did not receive a response until XX/XX/XXXX in which the company sent another bill demanding payment, without validation of debt, and stated that they had not received a response from me to their original letter. This is false as I have proof of delivery of my written statement to the company, confirmed delivered to their offices on XX/XX/XXXX in XXXX XXXX, CT. The company failed to provide validation of the debt within an appropriate timeline ( 30 days from written request ).
Consumer complaint received 2020-07-06
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: EQUIFAX, INC. (PA)

I WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM MY CREDIT
Consumer complaint received 2020-07-06
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: EQUIFAX, INC. (TX)

all ftc violations enclosed : XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX ( all ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Credit Card Opened by the Thief Company or Organization : XXXX  ( all ) Credit Card Opened by the Thief Company or Organization : XXXX  XXXX XXXX  NEED MY CREDIT TO UNLOCK TO SEE ALL THE INFORMATION COULD BE MORE
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (FL)

I called Audi Financial Services in XXXX to obtain a payment deferral on my lease. They took payment to bring the account current and processed my lease extension and payment deferral ( XX/XX/XXXX ). I also received a letter from Audi that the deferral was granted ( dated XX/XX/XXXX ). 30 days later on XX/XX/XXXX I received an alert from XXXX  that my credit score had dropped significantly ( 30+ points ) due to Audi reporting my lease 30 plus days past due. 

I sent Audi a message thru their secure portal online. I also called and spoke with a representative who told me that their system is automatic and many individuals are in the same boat and they are working on correcting the reporting but do not have a timeline for the fix.
Consumer complaint received 2020-05-06
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: ID Analytics, Inc. (MD)

I contacted to sagestream to place a security freeze in place. I did this several weeks ago! Ive called them to verify but havent gotten any response like they state they soon the answering machine. I need to know if this has been taken care of or not. 

Furthermore I never gave this company permission to have or share my information to begin with.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (PA)

On XX/XX/XXXX, I used Remitly, to transfer {$500.00}, from my checking account in USA, to MY saving account in XXXX XXXX, in XXXX XXXX, I contacted them several times, trying to get an update about what was happening, and all the times the answer was " corona virus '' please wait another 48 hours. Because I could not wait any longer, I sent the same amount, with a different company, and only took half hour to complete the transaction. so corona virus is not a valid excuse. 
then I called another 4 times asking the return of the money. the interesting part is that they withdraw the money from my account in less than 3 minute before even I finish the paperwork, and had passe more than 21 days without getting any answer from them.
Consumer complaint received 2020-05-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (CO)

I have been affected by COVID19 21st mortgage will not waive late fees or deferr payments. 

They are invasive, abusive, rude and judgemental. Its impossible to even speak with them because they ask questions outside the realm of COVID19 This is under the Estate of XXXX XXXX XXXX not my personal mortgage. 

I paid XXXX and XXXX payments when I received my retroactive unemployment my job is affected and I have other bills to pay. Under the CARES Act they are supposed to defer for the estate and they refuse.
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (NY)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

US BANK : I am contacting you again in regards to the same complaint that has now taken a new direction without my awareness and without US Bank attempting to inform me yet again. 

In my last complaint I sent through cfpb, you instructed me to stay in contact through my branch manager. However, while she helped me keep my personal accounts open at that point in time, apparently as of recently, someone above her over-rode her request and those accounts began closing without me being informed as of yesterday, XXXX. Where in this agreement, https : //www.usbank.com/pdf/Deposit-Account-Agreement.pdf, does it lay out your right to close my accounts? Furthermore, specifically in regards to my personal accounts, under what premise are you closing those after years of low risk activity and good standing? 

Lastly in regards to the Deposit Account Agreement, I'm not sure I understand the part about arbitration fully in relation to associated costs in the Agreement effective XX/XX/2020. Could you clarify for me? Who pays for arbitration, you or me? Were there any changes to the written agreement after my situation took place, since it went into effect XX/XX/2020, in relation to my situation or is that covered in the agreement as well- If so, could you specifically point it out please? Finally, where have you informed me prior, as the customer having never been in this type of situation before so therefore not knowing how it would go, that I can not speak directly with those at US Bank making decisions regarding my account? Where do you inform me that I can not speak with anyone about the measures taken to determine there was fraud on my account, leading to your final decision? 

Your calls are monitored and recorded, right? So, you should have on record, me contacting the bank about this deposit before scheduling transfers. How is the bank able to ignore my safety precautions, security checks, and attempts to make decisions in accordance to maintain good standing with the bank? A relationship does not work if one party tries to explain the situation ( me ) and seek advice on what to do at this point in time ( from you ) to be told one thing ( from you ), to act in accordance with the advice, ( me ) to then have the opposite outcome ( from you ) from what was advised take place. You is the US Bank representative I spoke with that day. In other words, you can not operate successfully or maintain relations when you say one thing and do another. The bank could have easily put themselves in a no risk position by properly handing my phone call that day, but they didn't. I want to know how the bank is able to put this all off on me, when as I see it, I did my part. 

I am seeking answers to all my questions. They are not rhetorical. 

Thank you, XXXX XXXX
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, 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. (AZ)

My wife and I were working with VIP Mortgage in order to refinance our home when on XX/XX/XXXX they messaged us to request that I call Equifax to inquire why suddenly my credit score and credit history was no longer available. Equifax representative looked it up and said there was nothing on the file to prevent that, that a must be a problem on the mortgage side. Long story short every week Since XX/XX/XXXX and continuing thru today XX/XX/XXXX we have been trying to fix this problem. XXXX XXXX the suggestion that came to light is that maybe the fraud alert on my file is the problem preventing the mortgage company to pull my credit information. XX/XX/XXXX was the first available time to call Equifax during their hours. I spoke to 4 different representatives when finally the last person tried to remove this fraud alert ( supposedly ) This representative, named XXXX, was also bewildered as to why this was so difficult after attempting many things. His last comment was he had removed it and gave me a confirmation # XXXX and said it would take 24-48hrs for the removal. I have checked my file online and it is still active. THIS IS PREVENTING A MORTGAGE LOAN TO BE PROCESSED AND IT NEEDS TO BE RESOLVED!!. We have spoken to countless reps and have been hung up on when asked to speak to a supervisor.
Consumer complaint received 2020-05-07
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} ORIGINAL XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}