davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: V.I.P. MORTGAGE, INC. (AZ)

This home buying process started in XX/XX/XXXX, we put a hold {$2000.00} deposit down on a new construction the builders, XXXX XXXX We worked with vip mortgage co of XXXX, AZ, the bate team, started construction put a earnest deposit on the home and expected closing was end of XX/XX/XXXX. Turned in everything in a timely manner the loan company asked for, but my retirement money could not be withdrawn. We moved to closing assistance. The date to close moved again to XXXX and issues started we signed purchasing documents XX/XX/XXXX. We done everything in a timely manner. I even purchased home owner insurance in XX/XX/XXXX because vip told me to do buy it for the closing, well we were moving in XXXX to the property, so I just recently cancelled the policy XX/XX/XXXX. Closing set for XXXX. I started noticing wrong address on documents and we signed to lock in interest rates and the officer saying we didnt, dont worry when we sign at closing we can ask all questions then. I was not told my driver rate and the interest rates I was locked in on twice. Where is my withdrawal and why my loan was withdrawn and why builders cancelled on me? XX/XX/XXXX. XXXX we signed another purchase agreement. Closing date moved again then builders and vip stop answering my texts and calls.? I was kept in the dark. Closing date moved again they wanted rent ledgers and income ledgers. Started telling builders we were not co operating. I called XXXX XXXX for updates and she told me vip wants to end the process. Then XXXX XXXX stop answering my calls, texts and emails. I reached out to my realtor which both companies seemed to speak thru her. To speak to me to tell me what I needed to finish. Paperwork turned in as requested the builder set another closing date we were not told the date and the builders closed our closing and will not return our deposit and vip just said its too late we sorry bye! 
I feel discimamated against in my first home buying process. This has been going on for months and we were planning on moving into our new home.
Consumer complaint received 2023-01-02
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read enough t understand my rights under the FCRA section 605b, and I need you to please comply with the law and remove the disputed fraudulent accounts and information off my Credit File as soons as possible.
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act XXXX US DEPT. OF EDUCATIO XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-01
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: Uplift, Inc (AZ)

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX, XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt.

Zero out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (WI)

This Third party Debt collector agency XXXX XXXX has bought my personal information or was given my personal information WITHOUT my consent! I do not owe this company, never had dealings with this company what so ever. This is a violation under the FDCPA as I didnt give permission for XXXX XXXX to sell my personal information. This is a form of identity theft.
Consumer complaint received 2023-01-02
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: SYNCHRONY FINANCIAL (NY)

On XXXX I placed an order via website XXXX  and I was to receive the order within 5-6 days. I repeatedly emailed asking to ship my order and because it took so long I requested to cancel. I received an email stating it was in process sorry for the timeframe, etc. After almost 3 weeks I got the order and it was the wrong size. I immediately returned the item after notifying the merchant which took them a week to respond. Because it took so long for the merchant to respond to request to cancel the order or ship the item I filed a dispute with the bank. In the meantime I received the order and immediately returned it. When I received it I called paypal on XX/XX/XXXX and notified them I received it and returned them and provided the tracking number. A few days later on XX/XX/XXXX I get notice my case was closed because they shipped it. No regard for my call with the track info that the shoes were returned. I then called AGAIN on XX/XX/XXXX because they rep did not process my dispute on the previous call. So I called again for the 3rd time to file another dispute because I no longer have the item I requested to cancel, that took too long and I paid for the return. The tracking number XXXX XXXX which was confirmed delivered
Consumer complaint received 2023-01-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Barrett Motors, Inc. (TX)

I brought my XXXX XXXX XXXX mother a XXXX. We had everything set put for the payments to come from her bank account. The financial manager fired the lady who was taking the payments out every month. Payments due every two weeks. So they waited 6 weeks to notify me that the payments were late on the XXXX. This is when I got news about the Payments stop coming from the bank. It got so bad that I had to go get the car on XXXX request for a deferred period of payments until I got back on my feet due to the economy being bad for over 3 years now. After I got the XXXX back I was denied that deferred over a 8 Month period. My daughter caught the payments up to just one month if her payment wasn't denied. The financial manager XXXX XXXX stated that she would not accept any more partial payments. I was not going to the end of the year owning her money. I stated to her that I have not caught with my payments yet I have not fallen behind on any of my payments. She stated that I need to give her my bank statements, receipts for everyone I owe money to. Plus she needs my paystub also. She stated to me that I have to prove to her that I been hurting financially.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

I HAVE REQUESTED THAT XXXX, EQUIFAX, AND XXXX REMOVE THE FRAUD ALERTS FROM MY CONSUMER PERSONAL CREDIT REPORTS THAT THEY CONTROL CONCERNING MY DATA OF DISCLOSURE. 
WHICH IS MY RIGHT UNDER THE FAIR CREDIT REPORTING ACT, TO CHOOSE TO HAVE OR NOT A FRAUD ALERT ATTACHED TO MY CREDIT REPORTS. 
THE SAID ABOVE CREDIT AGENCIES HAVE NOT COMPLIED WITH MY CURRENT REQUEST TO REMOVE THE FRAUD ALERTS.
Consumer complaint received 2023-01-02
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. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-02
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. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged debt agency, XXXX XXXX and customer service was horrible. They sent me a letter claiming another alleged debt agency have file. ( XXXX XXXX ) They are robbing, badgering my credit with no explanation on an erroneous alleged debt collection.
Consumer complaint received 2023-01-02
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-02
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-02
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. (MO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (TX)

I signed up for a membership online and it was supposed to be month to month. I ended up never going to the gym and called to tell them I wanted to cancel the membership because they keep trying to pull it from my account and I switched banks. And they said they couldnt cancel it that Id have to go to a gym to get more information. They have continuously harassed me after Ive never checked into that gym once and are now threatening to send me to collections. They call me all of the time - multiple times a week and its annoying because I e requested to cancel and Ive never even gone to the gym once.
Consumer complaint received 2024-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (TX)

I reported fraudulent charges on my credit card from American Express to the company since XX/XX/2024. American Express is still asking me to pay those charges. I have corporated well with them to conduct their investigation. I have even found and visited the suspected fraudster 's home with the XXXX Police and couldn't meet the fraudster. I lodged a complaint with the XXXX Police and sent the full police report to American Express. I am doing everything I can to help with the investigation. I don't think I should pay these fraudulent charges.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (OH)

Ive just obtained a copy of my credit report and noticed an error. 

1 ) LVNV FUNDING UNDER 15 US Code 1681c-2, Block of information resulting from identity theft, it states if a consumer disputes inaccurate information, the debt collector has 4 DAYS to DELETE or REMOVE the information from the consumers credit report. 15 US Code 1681i states that if an account was verified, it must be deleted and have a Procedure in case of disputed accuracy.

This collection was previously deleted and was put BACK on my credit report. THIS IS. VIOLATION, and I would like this account REMOVED as soon as possible.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (WA)

I had been served for a debt that is not mine by someone pretending to be law enforcement, which is illegal. A process server may not pretend to be a police officer, sheriff or other law enforcement officer in order to persuade someone to open the door. I have filed complaints with the XXXX, as well as with my states attorney General. I had also asked for any signed documents I had with Jefferson Capital Systems which they failed to provide. They sent some documents, but none if it included my signature, a full account number or any contracts I personally had with Jefferson capital systems.
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (MD)

I open an account with XXXX XXXX of XXXX. I received XXXX devices in which I traded in XXXX devices and was not supposed to be charged for the devices due to the trade in. My bill was supposed to be XXXX. The first bill that I received was over XXXX dollars, the second bill was over XXXX and the third was over XXXX. Each bill I reached out to the phone number of the representative that I purchase the phone from XXXX and was told that it takes XXXX billing cycles for the credits to be applied to the account. After the third billing cycle still no changes I attempted to reach out and did not receive a response. I sent multiple messages asking for clarification. I finally called into XXXX customer service to discuss the crediting on the account. I explained to them that I had sent all XXXX devices in XXXX box because i only received XXXX return label and that I had to send them in a XXXX XXXX. I gave all of the information that I had at the time. I was told that the devices were received but they did not know where to apply the credits. Then the representative told me that they could not apply credits for all devices because they were not sent in separate boxes. I then went into the XXXX store locally and asked what could I do and they told me that customer services makes the final decision. I contacted them back and asked if they could send my device back to me and I will take their devices into the local store to be sent back to them. I was told no and was sent a bill to collection XX/XX/XXXX. I am still asking for my devices to be returned and I will return their devices.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Business Financing Corporation (IA)

I applied for a XXXX back in XXXX, at first the relationship was going fine, business was doing well. The fees were absurd but it helped out at the time. After I was paid off 40 % I requested a new XXXX, the original still had a balance, the account manager assumed I wanted the new cash advance to pay off the original, this was never discussed with me, they just assumed, again absurd fees, so each deposit was significantly a lot less than what was approved. Between fees and the fixed percentage rate it was a lot that was deducted prior the depositing any funds. Fast forward a year, business has slowed down, they allowed reduced payments, however it still isn't enough, as I've been short on payroll a few times because of it. The company also requested login information to my bank before finalizing the funding. At this point I am only comfortable on a Biweekly plan, however they do not want to " compromise '' any further, other than the reduction I was offered.

1. The fees are absurd 2. The account manager requested my bank login ( not sure it's legal )
Consumer complaint received 2024-04-02
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had XXXX transactions of fraud on my account and XXXX XXXX XXXX is not doing anything. I didn't authorize for my account to be taken from another account. This is through the XXXX debit card through XXXX. 

Monies still owed XX/XX/year> for {$XXXX} XX/XX/year> for {$XXXX} XX/XX/year> for {$XXXX0} XXXX XXXX XXXX XXXX not tell me who signed up for my account and they have refused to refund me the stolen money. I thought our money is issured.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (ID)

Sold my property 32 days ago. The mortgager would not release, nor communicate about escrow funds that it was holding to repair the property. After it was 100 % complete and verified by mortgager to be comlplete, mortgager still would not relese funds so I was forced to sell the property to be able to pay the contractors. 32 days later after the pay off, company still has not refunded the escrow balance nor the restricted escrow balance. When I call I get a run around saying it was another departments issue, then the other department claims it was the original departments issue.
Consumer complaint received 2024-04-08
Product: Credit 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. (TX)

Since XX/XX/2023 I been a victim of fraud with Citi cards. I notified them that charges were made, and I didn't approved them or made them. Citi Cards canceled my cards and send me new ones with different numbers more than 3 times and one time they send me a card with another persons name and I called them to notified them about that issue and they said it was a mistake, that they send me the wrong card. I called so many times to the company and they never fixed the problem. They already affect my credit score because they send me to the credit bureau as if I was not making payments but I am not going to continue making payments on thing I didn't Charge. I even closed the account and they continue making charges. The Citi cards didn't knew what explanation to give me.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NJ)

Marcus : by Goldman Sachs opened an online savings account in my name without my knowledge or permission. Upon receiving statements in the mail, I contacted their customer service line to request that the account be closed. No action has been taken by the bank.