davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I was the XXXX XXXX at a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, when I was laid off. In that time, I opened an internet account with XXXX on the company 's behalf ; XXXX XXXX is the account holder and I was listed as the contact person for installation. I was laid off in XX/XX/XXXX and suspended from all of my accounts. XXXX XXXX stopped paying the bill resulting in the bill going to collections. Over the past two months, I have been receiving daily calls from XXXX XXXX at McCarthy, Burgess and Wolf. I notified XXXX, who told me that as the contact person I am not responsible for payment. I also notified the finance department at XXXX XXXX and they paid the bill and closed the account. Despite all of this, I am still receiving daily calls to my personal cell phone from XXXX XXXX. As of today, he contacted my parents. I am being harassed about a bill that has been paid and is not my responsibility to pay.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (NJ)

I mailed out several letters regarding inaccurate and unknown things on my credit report. It has been over 60 days and I haven't got any response or action from them. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and I'm asking you to help me resolve this.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CT)

2 weeks ago Sunday, my wife XXXX XXXX XXXX Help Desk and got a number from the internet. The person picked up and answered " XXXX Help Desk ''. He spoke to her about her problem, then asked for her XXXX Login ID to verify something. The conversation quickly morphed into a conversation that someone in Georgia was trying to hack her account and he needed to verify her account information. She complied, worried that someone would hack her XXXX account. The " Help Desk '' rep then led her through a wild series of exercises eventually convincing her to add a XXXX recipient to her online banking and send him a " test payment '' of {$440.00}. Reg Flag right? My wife had never used XXXX and was told it was a test payment and she'd get it back right away. There was no message that popped up telling her that {$440.00} was going out the door, did she know this recipient, and that she could never get it back. 

The moment the new recipient was established at Wells Fargo, I got a pop up warning on my phone. I went downstairs and questioned my wife and she told me what was going on. By that time the money was out the door. 

I immediately called Wells Fargo, but had to spend 1 hour waiting on the phone. We explained the situation and the Wells Fargo rep said they'd open a case. Two weeks later Wells Fargo sent us a paper mail making no reference to Fraud and saying that since XXXX " authorized '' the payment, there was nothing they could do. XXXX never " authorized '' a payment. She was tricked into sending money though social engineering. 

We'd like our money back and are seeking your help. XXXX knows exactly where the money went and to which account. Wells Fargo needs to help and they are offering none. If a refund is not possible, I am asking you to introduce legislation to require that banks are required to have a huge pop up window before sending money from XXXX informing customers that 1 ) Are they aware that they are sending money out the door? 2 ) Are they aware that XXXX payments are non-refundable and gone forever? I blame Wells Fargo for allowing this to happen without sufficient warning. We notified them immediately of the situation, and they sent us a form letter back telling us sorry for our loss. This is just wrong. We'd like out money back Thanks, XXXX XXXX XXXX XXXX  XXXX XXXX, CT XXXX XXXX
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC (AL)

This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I just received a long notice from Chase USA/JPMorgan Chase detailing all the changes to terms that they are instituting on their credit card accounts. I have concerns. 

1. The CFPB states on their website : " Credit card companies must establish procedures to assure that their bills are mailed or delivered to you at least 21 days before the payment is due. '' Chase now states : " Your due date will be a minimum of 21 days after the close of each billing cycle '' Chase can not get their statements sent out until the billing cycle ends ; therefore, anyone receiving their statement by mail will have the time to pay their bill decreased to less than the 21 days. While I realize many people do their payments online, this change, of course, hits all the people with no computers the hardest, the people who can least afford any late fees. ( I assume that is the intention of Chase -- to make more money off those least able. ) 2. Binding Arbitration : Chase is now forcing all clients into binding Arbitration. There is a very complicated way to write to them at a specific place by a specific time including very specific information. I intend to do that, but I noticed that they kept delaying where that information was placed in the brochure, mentioning it twice, but it did not actually show up until a page later. ( Later Chase states that it will be paying all the arbitration fees -- really, whose pocket will the arbitrator be in? ) They also state that if you do not decline this, you can not be part of a class action suit. 

I realize that Donald Trump nixed the whole binding arbitration legislation that was to go into effect to protect consumers. I PROFOUNDLY OBJECT!!!!
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

A new collections account was placed on my credit this month by I.C. System, INC., which I had no knowledge of this account. The original collections agency account had a comment on my credit report saying it was from XXXX XXXX XXXX XXXX and a comment stating that was apart of a natural disaster. I have never been effected by or apart of a natural disaster. I have attempted to dispute this dispute this twice. It remains updated as correct. I contacted the collection account and requested proof of this debt. They say this was a medical bill in my daughters name from 2017. I explained that my daughter had 2 different insurance companies that wouldve taken care of any remaining medical bills. They send me on a goose chase to try to contact the original creditors or the insurance companies. Im attaching photos to show she had a secondary insurance of XXXX that wouldve taken the remainder or any medical bill. XXXX should not be coming to me after 4 years. Ive never received a single bill from them nor any statement for anything. This is fraudulent. I will also show the pictures of them claiming this was something with a natural disaster which is also a fraudulent claim.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (TX)

After some years I was finally approved for XXXX going back to XXXX. Due to this there was a reduction in my homeowners taxes that was sent to my mortgage company for XXXX, XXXX and XXXX because I have an escrow account. I called about these funds on XX/XX/XXXX, XX/XX/XXXX and faxed and wrote them on XX/XX/XXXX. I was told that they would hold the over pay until my escrow accountant was satisfied. This was on XX/XX/XXXX, spoke supposedly to XXXX XXXX on XX/XX/XXXX. He was very rude, wouldnt let me ask questions i needed for understanding. Called again on XX/XX/XXXX, same inquiry. No solution. On XX/XX/XXXX was told they got refund on XX/XX/XXXX and a new analysis was requested, they said will call me in a week. Towards the end of the next week, i called and was told they were still working on analysis and someone would call me back. It is now XX/XX/XXXX and over XXXX of paid up taxes are being held by Gregory Funding.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

I lost my wallet in XXXX of 2020, my account with chase was compromised due to fraud, I contacted Chase they issued me a new debit card and account number which didn't work, then told me i had to bank elsewhere. I recently received a email that funds were being withdrawn from my account and had no idea why.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NJ)

Someone opened a Credit Card ( and potentially Checking Account ) in my name at Truist Bank. The account appears to have been opened at the branch located in XXXX, NC at " XXXX XXXX XXXX, NC XXXX ''. My identity has been compromised. I have never had any business with this bank and haven't lived in NC since 2013. This is fraud and identity Theft. 

The individual who stole my identity appears to reside at " XXXX XXXX XXXX XXXX, VA '' based on the addition of this address to my XXXX Credit report. 

I have attached a screenshot of this account on my XXXX Credit Report as part of this complaint.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TN)

Greetings, This complaint is a follow up to complaint XXXX. I am in receipt of the communication sent by American Express dated XX/XX/year>, Ref : XXXX, account ending in XXXX. Complaint XXXX addressed the concerns of the American Express " Plan It '' program and the miscategorizing of charges from XX/XX/year>- XX/XX/year>. The paragraph " Two Plans were created on XX/XX/year> : of the American Express XX/XX/XXXX response Does Not Address the original complaint. In the paragraph " You activated the Pay over Time feature online '' it is stated, " On XXXX XXXX, you activated the Pay Over Time feature by accepting an offer online to earn XXXX Membership Rewards points after activation ''. This statement is undeniably false. No one in our household activated Pay Over Time on XX/XX/year>. I Did activate the " Plan It '' program on XX/XX/year>. It is also stated in the response letter in the same paragraph The charges on the account were moved to Pay Over Time in accordance with our policies and procedures. '' This statement Can not be correct based on the fact the cardholder Did Not authorize those charges to be moved into the " Pay Over XXXX '' program. To state we activated Pay Over Time when we have said many times We Did Not is saying your program is infallible. Just as you noticed a " servicing opportunity '' on XX/XX/year>, your people and programs are not perfect. As a consumer, I should not have to Pay for those mistakes. The remaining paragraphs of the American Express XX/XX/year> response letter does not address any concerns of the original complaint. Sadly, the American Express response letter dated XX/XX/year> is filled with credit card agreement verbiage disguised as an attempt to resolve the issue. This response does nothing to address the issue of placing charges in the Pay Over Time that Were Not Authorized. To this date, American Express has not produced any documentation to show Authorization. The response letter also states '' We are required to accurately report accounts to the credit reporting agencies ''. To report our account as delinquent for unauthorized charges could be considered illegal and a violation of credit agency reporting. Therefore, this issue needs to be resolved. A similar letter will be sent to the Federal Trade Commission.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (UT)

Citibank opened a credit card branded through Best Buy. The card was in good standing, payments were on time, and in XXXX, I paid it down to zero. Without notice or reason, they closed my account, causing significant damage to my rising credit score. This has damaged our road to getting a mortgage. 

It is unreasonable to close the account without warning causing embarrassment during n attempt to make a purchase. This behavior needs to be addressed.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CORELOGIC INC (IN)

XX/XX/2019 CoreLogic Credco, XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (CA)

I have a loan with HYUNDAI CAPITAL AMERIC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HYUNDAI CAPITAL AMERIC with no successful resolution. XXXX, XXXX, and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

in XX/XX/2017 I was released of liability from an automobile repossession. the information was distributed to all 3 credit bureaus telling them that the debt was paid in full. I have tried several times since XX/XX/2017 however my reports still show a balance.
Consumer complaint received 2024-09-13
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. (AL)

I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple requests for investigation, these inaccuracies remain unresolved, causing significant harm to my credit file and financial well-being. 

I kindly request that you conduct a thorough investigation into each of these disputed accounts and take the necessary steps to correct and update my credit report as soon as possible. These errors are causing severe hardship in my day-to-day life, and I urge you to address this issue without further delay. 

Restoring the accuracy of my credit report is essential for me to regain control of my financial standing. Your immediate attention and cooperation in resolving this matter would be greatly appreciated. 

Thank you for your understanding and prompt assistance.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (MI)

XXXX XXXX XXXX reported a 30 late payment on my account after the car was paid off via a insurance claim. Exeter Finance claimed that the check that arrived before my payment due date went towards principal and interest when the check paid off the entire balance before my payment was past due. Exeter acknowledged this fact, but refused to remove the late status even though the payment arrived prior to the due date for XXXX. This paid the entire principal and should not have resulted in a late payment.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in  question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-05-29
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. (LA)

sent letters out to XXXX, XXXX, and equifax. on XX/XX/2022 and XX/XX/2022 still havent got a response back and it has been over 60 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of the letter. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MN)

Simple story ... ( All this has happened in the last month ) We got behind in our mortgage ( No surprise ) They ( OCWEN ) started the Foreclosure process and gave a sale date. They sent a reinstatement statement. We paid the reinstatement of {$7400.00} They then told us it wasn't enough and that we had to make and additional payment of {$1600.00} to bring our mortgage current. We made that payment ... ( We paid them OVER {$9000.00} in one week!!! They have applied all the money to our loan. It was all the months we were behind ... Then they said that wasn't enough and we still owed {$5000.00} in penalties ... The day before the sale we had to file an emergency Bankruptcy to save our home. We come to find out they never sent the sale date to the sheriff or our county never was notified of a sale date there was no real sale date..The attorney that represented OCWEN ... told us the day of the sale OCWEN postponed it for 30 days ... We were told on a recorded conversation that would roll the penalty and fee to the end of the loan ... We just got a statement today saying we owe them over {$5000.00} ... We are currently BROKE we gave them all we have ... I won't be able to pay them until the end of the month but there saying that's not good enough. What do I do? Can you help???