davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX and they have my information united with my brothers XXXX XXXX as if I own his house too when I dont .I am ready to upload our documents to separate our information. XXXX XXXX XXXX is the one that owns the house for XXXX XXXX XXXX in XXXX, nj XXXX, Not me.
Consumer complaint received 2019-06-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Harris & Zide (CA)

I received a call from a Debt collector ( Law Offices of Harris & Zide XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXToll Free : ( XXXX ) XXXXFax : ( XXXX ) XXXXEmail : XXXX ) about a debt that is over 4 Years old and I did not remember to be Mine. 
the Statute of Limitation in California is 4 Years and this Debt is much older. They totally ignored these Facts and also did not validate the Debt.
Consumer complaint received 2019-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

I have filed for bankruptcy due to health bills and we are trying to keep the house. I have been calling for 2 weeks to get a affirmation form to give to the Judge to not include the house in the bankruptcy. I also have been trying to make a payment but cant get ahold of anyone in the Loancare bankruptcy dept. please help me. I have tried everything to get ahold of loan care..
Consumer complaint received 2019-07-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (TX)

I have tried on a number of times to apply for XXXX, They take my name & phone number and inform me they will contact me in 48 hours. But no calls. I have asked to talk to a supervisor to be put on hold and have waited hours on hold with no response. And my billing when I call to check on loan keep charging me a late fee claiming my payment is late. But my bank shows that payment was received but XXXX XXXX is not showing it made on time. Sometimes showing days late. I would like to have this checked on and get it straighten out. PLEASE!!! XXXX XXXX XXXX
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXX - Applied and approved for a targeted bonus offer of XXXX MR points after spending $ XXXX in 3   months. 

XX/XX/XXXX - Statement reflects XXXX MR Points credited to account after spending over $ XXXX in charges. 

XX/XX/XXXX - American Express announces 30 % Transfer bonus with XXXX XXXX with MR Points XX/XX/XXXX - Attempt to transfer XXXX MR Points to XXXX XXXX with promotion for XXXX total via online. The transfer was unsuccessful - I called, and AMEX could not process transfer because MR account was flagged for abuse and needed to legitimize purchases XX/XX/XXXX - Transferred XXXX points from another credit card company to complete transaction and book flight. The trip will be taken XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX - I called to receive a status on investigation and open an inquiry. " Investigation still pending no update but would receive a call in 5-7 business days with more information '' XX/XX/XXXX - Received a call from AMEX. They were unable to provide any ETA on completion of the investigation but could take 6-8 weeks or a " promotional period of 1 year. '' XX/XX/XXXX - Called again investigation is handled by corporate and not MR team. No resolution date was given.
Consumer complaint received 2019-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/2019 I received 16 emails from Western union about my account was updated, my password has been changed and money transfers followed by a phone call from Western union fraud department. The agent on the phone asked me for my name and asked me did I authorize the wire transfer which I replied no I did not and was placed on hold while he was stopping the transactions the agent then told me that the transaction was declined and the money will be sent back to my checking account. I immediately called my bank to cancel my debit card and inform them of the fraudulent activity and was told that an investigation will be done. I also changed my password to my Western union account. Fast forward to XX/XX/XXXX I received letter from XXXX  stating that they did an investigation and was provided documentation by western union proving that I did authorize the wire transfer and this was not a case of fraud and XXXX   will deduct the money that was replaced. At that time I found out that Western union did not refund the money back to my account. I contacted western union multiple times on XX/XX/XXXX and was told multiple times that on that day of XX/XX/XXXX there wasn't any wire transfers on my account and my Western union account was closed and kept brushing me off and told me to contact my bank. I spoke to Western union and XXXX fraud representatives 8 times that day. I finally was able to reset my password on my Western union account to on XX/XX/XXXX there were attempted wire transfers all at the same time, 2 were successful 1 was declined by western union and 1 just says unavailable all were repeated to my mother 's name payout location in the state of North Carolina but the payout location was in XXXX, XXXX. My mother does not reside in nor has ever been to XXXX. The 2 payouts for {$200.00} which totaled {$410.00} was paid out in XXXX statements were collected in XXXX according to the Western union statement by my mother which is not possible. But despite the email activity and the obvious fraudulent activity that is visible on my Western union account Western union just apologized and said they can not refund me my money because it has been collected and they can not retrieve the funds. I have the transaction tracking numbers from XXXX and the 4 wire transfer tracking numbers from Western union along with copies of all 16 emails from Western union when whoever did this hacked into my western union account and changed my profile and password. I will also be going to my local precinct to see if I can file a report. This was clearly fraud that was allowed to happen through Western union and they knew it was happening and they're trying to pass the blame elsewhere.
Consumer complaint received 2019-07-17
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: ENCORE CAPITAL GROUP INC. (MD)

I had a XXXX  card in 2013, the last activity was XXXX of 2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the XXXX  years so the account should be removed. There is also a collection account with Midland Funding for this same account and I requested it be removed because of age of last activity is more than XXXX years.
Consumer complaint received 2019-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2019, I submitted and mailed a certified letter to Equifax for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. Equifax failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2021-07-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Tried to get annual free credit report from Equifax from XXXX. 

After answering several questions correctly, I am advised I can not access online and I need to request by mail and send several proof documents. 

This is really ridiculous - either I have a right to see my credit report every year or not - this is a scam to make it difficult to obtain what I have a have right to by law. 

Please address this ridiculous process so that we can get what we are legally entitled to.
Consumer complaint received 2019-07-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

The mortgage account is in the name of my Wife XXXX XXXX, the deed is in the name of XXXX XXXX and myself XXXX XXXX In a nutshell-Mr Cooper bank sent my loan mod approval to an atty ( XXXX XXXX ) I had already fired. XXXX XXXX kept the information too long thus causing me to sign the papers late and therefore Mr Cooper bank declared that I turned down the loan mod. and bank would not reconsider. During this process of getting the documents signed by XXXX XXXX, I SPOKE TO I think XXXX XXXX by tel. who approved a 30 day extension from the day we spoke and arranged for a notary to come to our home for the signatures. 
The notary came to my house to acknowledge the signing ( by my wife ) and in turn would retain and submit the documents to Mr Cooper. Begs the question- why send the notary to my house for signatures if the docs are not to be accepted??? 
The longer version : In XX/XX/XXXX I called XXXX XXXX XXXX to say that we would be hiring a new atty because we felt he was incompetent and he was not aware that my property had a foreclosure date pending in 3 days while he was in the airport to go to XXXX XXXX. I hired a bankruptcy attorney immediately. 
We called Mr Cooper bank when the Bankruptcy was complete around XX/XX/XXXX to start a Loan Mod. We were assisted by XXXX ( a non profit ). The package was quickly submitted, During the approval waiting period on many occasions Mr Cooper bank was constantly notified by telephone that XXXX XXXX was not representing us and there was no atty. This had to be done many times because it would ALWAYS come up on conversation when my wife and I called the Mr Cooper bank. Even as far back as XX/XX/XXXX the Bankruptcy atty was in XXXX with Mr Cooper bank, so I XXXX XXXX. The bank at the time was Nationstar ( now known as Mr Cooper ). dont understand why the Mr Cooper bank went back to contacting XXXX XXXX XXXX. ( the non Bankruptcy atty ). On preliminary approval Mr Cooper bank dictated the pymt amount and dates of the 3trial payments. The payments were acknowledged to be received on time. Then Mr Cooper bank sometime around XX/XX/XXXX sent the approval letters ( for signatures ) to the non bankruptcy atty. 
WHY? WHY to this guy? he was not my atty and the bank had been verbally notified. The incompetent XXXX XXXX was also TOLD several times to notify the Mr Cooper bank but he didnt do so until XX/XX/XXXX. 
Due to the above incompetence by the Mr Cooper bank, my loan mod was denied. My loan was soon transferred to XXXX XXXX XXXX. 
Now Im still fighting to get a loan mod approved but XXXX has denied it even though I told them the problem and my family income is higher than while at Mr Cooper. XXXX is telling me to appeal but things are only stronger than while at Mr Cooper. Why is this happening?
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MN)

My Mortgage was transferred from XXXX XXXX To Freedom Mortgage, XX/XX/2020 I got an offer in the mail from Freedom mortgage around the last part of XXXX to lower my interest Rate I called them and talked to their representative XXXX XXXX His sales pitch was to lower my interest rate and 2 Skipped Payments in the amount of around {$3000.00}. This was a lie. I even called him back because closing told me I would only skip 1 payment, I stopped the process until I Talked to him. He assured me closing didn't have the final say he did!

I should have been more aware of a fast talker, Because It was in all actuality 1skipped payment. when I realized it and contacted Him He  said I should of held my XXXX payment and it was my fault. 
Because I had Already signed up for Direct Payment to Freedom Mortgage, My XXXX Payment was already pulled from my bank When we were in the process of Talking and signing this loan. So no w

ay I could Hold it. I assume When you are promised something to get you to sign up for a loan that Freedom Mortgage Should Stand by What They Say.
Consumer complaint received 2020-09-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates (TX)

I have been receiving phone calls from this company stating that if I do not return their call by end of day they will have no choice but to file suit against me. They have also been calling my family leaving the same messages. I have no idea what this is for. I have disputed the debt and requested copies of any signed contracts or bills to validate this is truly my debt and I have received nothing. They did respond to XXXX  and say it's a valid debt but have provided me with zero proof. It has been years since I have had any balances owed to anyone as I paid everything off. Before calling someone and leaving messages stating you are going to file suit day after day which clearly there was no intent it would make sense to send some sort of communication proving the debt is valid.
Consumer complaint received 2020-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (GA)

On XXXX XX/XX/XXXX my car was hit a total loss I was told by the dealer if payoff early then the price drop within the 36 months. Well I only had it almost 4 months bought in XX/XX/XXXX which can with a XXXX security to fix it with secure one somehow this was supposed to be 2 different contract but it wasn't it was with Westlake Financial so as this was settled with the insurance company XXXX the company was paid off XXXX plus XXXX down and the XXXX for the months which was XXXX which add to XXXX plus the XXXX on mechanical insurance they keep which not in the contract why they kept it i call they hang up in my face several time. I ask for management never get. They tell me nobody there and most of all it a total loss and still adding interest rate on a car i have no position of .and in the contract it's doesn't show on a total loss they can take the XXXX dollar it states after a year or XXXX mile which I didn't use also so they didn't follow the contract and still adding to my account makes my credit low and didn't put was paid out.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, The Citi Bank Double Cash Credit Card told me the Citi 's billing dispute investigator requested multiple times from the merchant ( XXXX XXXX XXXX ) for the refund of {$5000.00} that needed to credit back to me, but the merchant did not respond. The Citi told me they could not do anything about it, and I had to get money back myself from the merchant by filing a law suit or complaining with the XXXX XXXX XXXX 

The disputed was initiated on XX/XX/XXXX for {$5000.00} charged by XXXX XXXX XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX ) During the investigation, I responded to the Citi 's latest letter dated XX/XX/XXXX ( attached ) by submitting requested canceled check of {$13000.00} and settlement agreement that settled the disputed credit card charges of {$18000.00} ( including {$5000.00} ). 

Indicated in the Agreement signed by both parties, my cashiers check of {$13000.00} which already deposited by XXXX XXXX had been settled for the dispute of credit card charge of $ {$18000.00} XXXX sum of {$4200.00}, {$9000.00} and {$5000.00} charged by XXXX XXXX in XX/XX/XXXX XXXX. I had been credited back two out of three charges except {$5000.00}. The {$5000.00} was deposited by XXXX XXXX and needed to be returned back to me. It is Citi bank 's responsibility to obsorb {$5000.00} as I should have got a credit.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Premier Holdings (ME)

Mr XXXX from Premier Holdings LLC contacted me and told me that I owe a debt from over 6 years ago for over 800 dollars!, He advised me that I was not allowed to call him and started yelling in my ear saying that I would be arrested or face criminal charges, he wouldnt let me get a word in to ask questions and then started using profanity and threatened to just keep calling my employer! He called me multiple times supposedly and said I refused to return his calls. This call happened on XX/XX/2020 at XXXX AM, after doing research I also did research and found thousands of complaints on the XXXX  website against this guy for yelling, screaming and harassing people
Consumer complaint received 2021-07-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

On XX/XX/21, I opened an Citibank XXXX Savings account and funded {$20000.00} through an ACH. When the money was transferred from XXXX XXXX, I tried to log online with Citibank to verify that they received the funds and I discovered I was locked out of online access. When I contacted Citibank on XX/XX/21, I was transferred to 8 or 9 people and I was told that I was now a multirelational customer ( I have a Citibank credit card for over 30 years ) and that I had to speak with the banking side. I contacted them and was told that my online access wouldn't be back until I received a debit card for the XXXX account which would arrive in 5-7 business days. Meaning that I was locked out of paying my credit card as well. They overnighted me a debit card and I was able to login back in online on XX/XX/21. I could see both my XXXX Savings and my credit card but funds were not available in the savings account. There was a message that stated that I " violated the terms of your account per the client manual '' and that they were automatically closing the account and any other Citi accounts within 60 days and sending a check for any funds belonging to me. 

Citibank provided a phone number on the notice with hours that aren't correct so I couldn't reach anyone at that number. I used a phone number that I had obtained on XX/XX/21 and was not given any answers as to why my account was flagged and was told that I couldn't ask for my money back sooner. That the policy was was it is and that is that. 

Also, in researching how to transfer my money back, Citibank won't allow you to transfer any more than {$10000.00} a day or {$15000.00} in a rolling 30 days and you can never go below {$500.00}.
Consumer complaint received 2019-05-20
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: CITIBANK, N.A. (IL)

I have been trying to get Citibank to report on my XXXX file for almost a year now as they did before a dispute was recorded. Every month I get a letter from them that they are now reporting to XXXX and give it 30 days to appear. It never does. XXXX said the need to call the XXXX XXXX help line to get this to report correctly again. Citi Executive Mastercard.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Friday XX/XX/2019 I spoke with XXXX XXXX regarding my credit report and inaccurate information thats reporting continues to shows verified. Also, my other concern was the unauthorized hard inquiries reporting on my credit report. He stated that I can not dispute my inquiries. I will have to contact the creditors. However, I explained that a few of the creditors I have been unsuccessful reaching due to inaccurate phone numbers. Also, I spoke with XXXX XXXX Bank and XXXX stated that he sent the request to delete the inquiry due to my complaint. I requested to speak with the Special Handling Dept and he stated they were closed and to contact them Monday. I also requested to remove all disputed remarks on my accounts. Today, I spoke with XXXX in Special Handling and still no success. I have reiterated the same issue and she noticed that a few accounts did not have valid contact information for a consumer to dispute. However, she still chose not to investigate. Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

Based on the evidence in my possession, this inquiry was performed under false pretenses.

I do hope that we can settle this matter. I request to remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or will pursue further legal actions.

Here are the unauthorized inquiries : 1 ) XXXX XXXX XXXX 2 ) ALXXXX XXXX XXXX ( 2x ) 3 ) XXXX XXXX 4 ) XXXX XXXX XXXXT 5 ) CXXXX XXXX XXXX 6 ) XXXX XXXX XXXX ( 2x ) 7 ) XXXX XXXX XXXX 8 ) XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX 11 ) XXXX XXXX   12 ) XXXX 13 ) XXXX 14 ) XXXX XXXX   EXPRESS PLEASE MAIL A COPY OF THE DELETIONS.