davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
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. (FL)

I made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : Enhanced Recovery for {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX   XXXX for {$480.00}. 

These accounts have been paid and to date Equifax is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Equifax received on XX/XX/2020 and they still have not reflected the payments.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CO)

Four checks were sent out using Us Bank 's bill payment service. Only one of those checks were received the other three were outstanding. I had to call several times to have to place stop payment on those checks and to have the funds returned to my account. Two out of the three checks had the funds returned ; however a check for {$2000.00} sent out in XXXX still has not been returned to my account. I have made numerous calls to Us Bank and have escalated this 5 times to a supervisor. Several cases have been created but nothing is done. Us Bank has refused to give me their physical address in order to send a demand letter. Hold times to speak with someone is well over two hours and several times these calls are disconnected. After the last case number XXXX was created I called Us Bank to follow up with them, which is three months after the bill pay was created, and I was told the case was resolved. Apparently the check has been cashed and they can't put a stop payment on it. Again, no followup with me. They couldn't tell me when the check was cashed or by what institution. I'm asking the FDIC to get involved before I retain an attorney at $ XXXXhr to resolve this. Us Bank has been uncooperative during this entire process. They have shown zero  curtesy to return one phone call which has been promised several times. This bank hasn't done one thing to try and resolve the problem which they created. The  {$2000.00} check was written to XXXX which is a XXXX XXXX XXXX. XXXX never received the payment and this amount has never been deposited into any of XXXX 's bank accounts.
Consumer complaint received 2024-08-01
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: W&A Intermediate Co., LLC (TN)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see this is actually an account that belongs to me.
Consumer complaint received 2015-06-29
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (ME)

I am a XXXX time home buyer in XXXX Maine who applied for an FHA loan through XXXX of the nations largest online home mortgage lenders. 
The Sellers and I desired to complete a private sale because that suits our preferences. 
The Sellers and I drafted a purchase agreement together and I submitted the draft to my attorney for review and corrections. My attorney placed in the Purchase Agreement contract language that would protect the interests of both the Sellers and I. 
XXXX stipulation that protected the buyer was that if the appraised value of the property and therefore the financed amount is less than the agreed purchase price minus the earnest money down-payment, then I would be released from the requirements of purchase agreement and could demand a refund of the earnest money. 
The home buying process with the lender initially went very quickly and smoothly up until the order for the appraisal was issued. At that point, the process slowed to a standstill because no Appraisers have bid for or accepted the order. 
After the appraisal order was issued two weeks and no appointment was made, I became concerned and obtained the Roster of Appraisers in XXXX XXXX in Maine and called each XXXX. I learned that most of them had made it an unofficial policy not to accept orders from XXXX and some explained their negative experiences in prior dealings. I learned of many abuses that the appraisers endure that I would like to relate to you if you inquire it of me. 
I did n't know what XXXX were so I did some further research learned that XXXX serve as a XXXX parties that prevent conflicts of interests between the lenders and the appraisers. 
The appraisers that I spoke to were pleasant people and professional, they all stated that they had plenty and enough work without the need to reply to orders from XXXX so that they may avoid the difficulties they had previously experienced. 
I had submitted the Purchase Agreement to Quicken Loans on XXXX XXXX 2015. The closing date was initially scheduled for XXXX XXXX 2015. We did not close on this date because no appraisal has been completed. I am told that all other requirements have been met. 
The next closing date is XXXX XXXX, the date that my Purchase Agreement expires. 
No appraiser appointment has been scheduled. I am concerned that I XXXX lose my Earnest Money down-payment if the sellers decide not to sell to me after our purchase agreement contract expires and no appraisal is completed and I ca n't close. 
HELP! I do n't want to lose my money because the lender ca n't get an appraisal scheduled. 
What can my family and I do to get an appraisal and hopefully close on this home by the closing date on the Purchase Agreement Contract?
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (MD)

*I read the below today on XXXX. Below is the copy and pasted article. This exact thing happened to me with the Credit Protector Benefits. They were grossly overstated, not honored, and changed around without my knowledge on several occasions with both my primary Citi Bank Credit Cards. This caused me to lose credit rating points and ultimately prematurely unable to pay back my obligations because of this. I complained in detail through other third party agencies in the past. How can I see assistance formally through your agency? I saved all the detailed XXXX and Citi bank records in case this very thing happened to others. I was supposed to have debt forgiveness and extension options as part of the credit protector, which Citi refused to honor. How can I file a claim as stated in the below article? 

Article taken today from XXXX ; describing my same concerns court outcome : '' Citibank ordered to pay customers {$700.00} XXXX : '' The federal government on Tuesday ordered Citibank to pay {$700.00} XXXX to customers it said had been overcharged by the bank. 
The Consumer Financial Protection Bureau also ordered the bank to pay {$35.00} XXXX in penalties associated to the overcharging and for the bank 's use of " deceptive marketing '' techniques. 
The bureau said that XXXX XXXX customers will be compensated in the pay out, which includes XXXX XXXX people overcharged directly by Citibank and another XXXX XXXX customers of the bank 's subsidiaries. 
Between at least XXXX and XXXX, Citibank -- which is owned by Citigroup ( C ) -- enrolled those customers in credit monitoring services or programs promising to defer payments or forgive debt in the event of job loss or another financial hardship. 
But the CFPB said when the bank signed people on to those programs, it misrepresented fees and overstated the benefits. It also used " leading questions '' and " construed ambiguous answers '' in telemarketing calls, according to the bureau. 
Citibank has already paid some customers back. " Affected customers will automatically receive a statement credit or check and those no longer with Citi who are eligible will be mailed a check, '' Citibank said in a statement Tuesday. 
The bank said in a statement that it " fully cooperated '' with the CFPB investigation and the first repayments went out in XXXX. The company added that it has set aside money for remaining paybacks. ''
Consumer complaint received 2018-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX I noticed that an account linked to my phone had several mobile deposits. The account is for my daughter, but she was a minor when the account was set in motion, she is now a grown. I questioned my child an told her that she needed to contact the bank because of a fraudulent activity. However, I went to the bank ( Capital One ) and from there was notified that a scam had a occurred. The first deposit was on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX.I spoke to the fraud department on XX/XX/XXXX and was told they will open up an investigation and needed to gather more information from my daughter. Since then on XX/XX/XXXX the bank have locked my account ( me and spouse account ). All funds coming in the account can not be touched. My husband deposits are being withheld and he have nothing to do with any of this. I understand their saying that I 'm on the account as well so I 'm responsible, but I did n't have anything to do with this occurrence and I 'm the one who reported it. My daughter agrees that she is responsible for what happen. Is there anyway that she can sign something holding her only responsible and not myself or my spouse? Seriously it is a sad situation when the good have to suffer for other people actions. Since, I been with Capital One my banking relationship with them have been great, no problems at all even when they had mess ups I continued with them. I have bills that will not be paid because of this problem. Can you please offer some assistance please!!!!!!
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (GA)

I am a victim of identity theft. I filed a complaint with the XXXX XXXX XXXX. Wells Fargo responded to my complaint saying the validation of the account was included in the response and it was not. Wells Fargo continues to re age the account and recently instead of removing the account they updated my current address on the account without my authorization. Please remove this account with Wells Fargo from my credit report. 

Attached is my police report, Drivers license, social security card, and utility bill.
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2018-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a 609 letter to TransUnion on XX/XX/XXXXto validate the accounts listed in my letter. They have not done so and the 30 days is up. This has to be immediately deleted from my credit report per the FCRA 15 U.S.C. 1681i, because they could not verify the accounts. The accounts listed were : XXXX XXXX XXXX XXXX XXXX openedXXXX Account # XXXX, XXXX XXXX XXXX openedXX/XX/XXXX Account XXXX XXXX, XXXX XXXX XXXX opened:XX/XX/XXXX Account # XXXX XXXX XXXX XXXX openedXX/XX/XXXX Account # XXXX, and XXXX XXXX XXXX opened XXXX/XXXX/XXXX Account # XXXX. All accounts were unverified and need to be removed.
Consumer complaint received 2018-01-18
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TX)

I sent a letter to XXXX XXXX and XXXX stating that the Wells Fargo credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which Wells Fargo is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and Experian Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc (FL)

On XXXX XXXX 2017 i disputed a debt that has been reporting on my credit report. 
The debt collector XXXX XXXX has appeared on my credit report with a {$500.00} balance due. In return of the dispute XXXX XXXX failed to validate the debt allegedly owed and sent a bill including medical procedures which is a violation of HIPPA laws and they are damaging my credit report and i would like the debt removed
Consumer complaint received 2018-01-19
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. (GA)

XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the new guidelines, if a tax lien does not have your social security and date of birth, it should be removed from your report. TRANSUNION refuses to remove the lien on my report which only has my name and address. i just applied for a home equity loan to pay my daughter 's school, application was declined because of the lien. 
Same lien was removed by XXXX and XXXX. 

Note that i am currently paying federal taxes through an arrangement.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XX/XX/2017.
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc. (FL)

Company will not provide proof of debt. Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit on that date. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond. 

They responded to my first complaint saying they had no clue who i am and at the same time responding to a BBB complaint that they know who i am and they just have n't received the letters. A lot of deceptive practices from this company. 

( We have located an account in our system that matches by her name and phone number on her complaint. From the BBB ) I  have sent letter to these addresses listed on your website and my credit report Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Operations Center XXXX XXXX XXXX XXXX XXXX, TN XXXX I am even going to provide the account number listed on my credit report
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (UT)

Shellpoint Mortgage - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with Shellpoint, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

To Whom it May Concern, If you sold the debt to XXXX XXXX XXXX then therfore you should not be reporting on my credit report as a charge off. Please remove this account from credit report. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the  Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. 
I am now demanding the immediate and complete removal of this tradeline from my credit reports ( XXXX XXXX and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved within 30 days, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter.