davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
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. (TX)

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 52 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 52 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 2019-02-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (FL)

Back in XX/XX/2018, I went to XXXX XXXX XXXX XXXX. They told me to use Green Sky for credit to sign up for the program. They contacted Green Sky ( XXXX XXXX XXXX  XXXX ) and over the phone signed me up for credit. I never saw the original contract I was signing nor did anyone tell me at the time that they were going to charge me more interest than the loan was for. As you can see from the attached, I had a credit line of {$3000.00} and they want to charge me over {$6000.00} for the loan. I think this is absurd and unfair credit practice. Please help.
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

It is with great regret that I must continue to complaint to you regarding the treatment I have received from XXXX and SPS servicing. Inc. 
I have submitted various loan modification packages to no success. I must explained that I have experienced a financial hardship for about five years ; as a result I defaulted on the mortgage for my primary residence. This was also due to the incompetency of XXXX XXXX XXXX and SPS servicing. I was also financially injured as a result of their incompetency and miss interpretation. They have ignore my packages and request for a resolution. They have provoke for me to incurred this debt. I had to file bankruptcy. I still presently occupied this property with my family. I fell apart with the economy including loosing rental income from my XXXX XXXX business. I have had quite a journey. 
I am now recovering and trying in the worse way to come to a resolution with SPS servicing. I am XXXX   XXXX  as a XXXX. I am fighting this economy and succeeding. SPS Servicing has claim that the Private investor on this account had recommended a payment plan that is ridiculous. It actually injures me more. They are not willing to a decent resolution. Please review my financials for I need to keep my home. 'This is affecting my family. 
I have gone as far as doing a forensic review through XXXX XXXX  XXXX XXXX. 
I have attached the report for your review.. It is my understanding that No mortgage assignment was recorded indicating the mortgage lien was ever assigned to XXXX XXXX. On 2009, XXXX XXXX filed a lis pendens and foreclosure lawsuit against me. XXXX XXXX. 
The lis Penden and foreclosure complaint indicates the mortgage assignment had not been recorded with XXXX county Clerk prior to commencement of ligation .XXXX XXXX, XXXX XXXX XXXX di not endorse the note. THERE ARE NO MORTGAGE ASSIGNMENTS RECORDED FROM THEM. 
I also understand that SpS Servicing can not foreclosed with out recorded assignments. I am in the process of trying to find a competent attorney to handle this matter.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am 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 the identity theft. 
This debt is not mine and I was given no evidence of this being valid. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter.
Consumer complaint received 2021-07-21
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. (AR)

XXXX XXXX I have no problems or issues with getting Transunion, or Experian free yearly credit report. But ever since Equifax had that huge data breech about 5, 6 years ago getting an online free credit report has frankly been a real pain in the XXXX. 

I'm tired of it. I don't think it's right that I should have to pay for their XXXX up every single year. 

Once again, snatching XXXX from the XXXX of XXXX, they refused again- this year. On XX/XX/XXXX, I wrote them in writing requesting a copy of my credit report- if they won't let me download it online, then they can send it to me by mail. 

Today is XX/XX/2021, that's 7 weeks ; I'm fairly certain that once again Equifax is blowing me off. 

XXXX XXXX I want to know why, in writing, when I have a total credit score of XXXX they told XXXX to decline my application. XXXX XXXX number : XXXX ) I don't know which is more irritating : that I can't download my credit report, that when I requested in writing an explanation of why my XXXX gas card application was rejected with an average credit score of around XXXX, or they haven't fixed their system after 5 years.
Consumer complaint received 2021-07-20
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: DISCOVER BANK (GA)

Capital XXXX on the date of XX/XX/XXXX XXXX XXXX on the date of XX/XX/XXXX XXXX XXXX SER on the date of XX/XX/XXXX
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

Ive been in touch several times with I C Systems about this medical debt, asked them to send verification of debt as the original creditor no longer has the information on file because it was turned over to collections, I C Sytems response over and over has been they are waiting for verification from the original creditor, Ive received no verification with date of device, the billing creditor or services rendered only collections letters stating past due instead, this debt can not be verified not even by original creditor.
Consumer complaint received 2021-07-21
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)

I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (MI)

On XXXX XXXX 2021, Money Lion abruptly suspended my account. I had a total of {$210.00} in my account, they would not give it back to me. They claim they would send it back to where it came from, but they never did. I had a deposit on XX/XX/XXXX for {$790.00} from unemployment, and the unemployment agency stated they have not heard anything from Money Lion. So it shows in this account that I have {$210.00}, because Money Lion has been taking a dollar administrative fee since XXXX. I frankly don't know what to do to get my money.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

Opened US Bank savings account in XXXX with promotion of depositing {$5000.00} by XX/XX/2021 and holding for 6 months to receive {$100.00} bonus. I recently received {$50.00} for the promotion and not the {$100.00} per the terms and conditions. Contacted US Bank and they are claiming the second deposit was 'late ', which clearly is not the case from my bank records.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CO)

On XX/XX/XXXX, sent a check to my niece for {$200.00}. Checked was intercepted and blatantly modified to read {$2000.00} with an " or '' name added to the Pay to Order of line. Wording also changed from XXXX XXXX to XXXX XXXX. US Bank posted this check to my account on XXXX in the {$2000.00} amount without verifying changes made. I saw the activity on XXXX and reported to Fraud Dept. Instructed to complete paperwork at XXXX XXXX. Did so on XX/XX/XXXX. Branch manager told me the $ $ $ would be " temporarily returned '' to my account. Paperwork was not sent to the US Bank Fraud Dept by branch. XXXX Manager gave me his number. I have left multiple messages for him to return my calls for further information to be given regarding the Police Report #. He has not returned any of my calls. Today, XX/XX/XXXX, I have learned none of the paperwork was submitted and was required to submit again with the return of my money more than 2 weeks from now pending approval of what should have been sent on XX/XX/XXXX. New account setup XX/XX/XXXX. No checks yet received. My son was sent a signature form for the new account. When he tried to sign and return it, he received an error message. I have alerted the branch to this problem. Unresponsive.
Consumer complaint received 2019-02-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

Engaged with QuickenLoans/Rocket Mortgage on XX/XX/XXXX, the last day of their end-of-year 'special sale '. Stewardship on the uickenLoans/Rocket Mortgage side provided by one XXXX XXXX XXXX. She impressed me with how their electronic system is set up, and how fast they can move because of that. We agreed that mine was a challenging scenario but Ms. XXXX was able to run it through the echelons and come back with a pre-approval the same day. She also offered a pricing package that was reasonable. 

Then she ordered an appraisal. 

The appraisal was conducted on XX/XX/XXXX, results delivered on XX/XX/XXXX on the RocketMortgage portal. The appraisal came under the 'street value ' for the neighborhood but still with a good loan-to-value proportion. 

Then the RocketMortgage portal informed me that a second appraisal was conducted for my property, and the results were posted on the website. Neither QuickenLoand nor Rocket Mortgage notified me of the requirement or possibility thereof for a second appraisal. The second appraisal was conducted by the same appraisal company/ agent, and the agent put in a closing note that the lender, i.e. QucikenLoans/ RocketMortgage directed him to specific addresses in the neighborhood against which to compare my property. 

Accordingly, the second appraisal came in way lower than the first one, and by that token the loan-to-value proportion changed significantly. 

That procedure did not seem fair, therefore I advised QuickenLoans/Rocket Mortgage in writing on XX/XX/XXXX of my decision to cancel the refinance application on the grounds of a corrupt appraisal process. I also asked for a refund of the costs of the appraisal amount of {$500.00} charged to my credit card. The lender did not acknowledge my cancellation notice.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (NY)

On XX/XX/XXXX I made a international transfer using WorldRemit application. I sent XXXX dollars using my XXXX XXXX Account ( XXXXXXXX XXXX ). The app charged me XXXX dollars for the transfer. The transfer was supposed to be directed to my debit card account in the XXXX XXXX with XXXX XXXXXXXX XXXX. However, the money never got to my account. It has been more thank 2 months, I have called WoldRemit and all they keep telling me is that they working on it. Sometimes I receive email from them saying that the transaction was paid off, and that they case would be close. Then, I proceed to call them and they tell me they working on it. Also, they said that there is discrepancy by one number and the bank account that I provided with the statement. However, I have used WorldRemit before and my info/contact is saved. All I had to do was select the amount that I wanted to send and picked the account that has already been saved and used before. They sent me proof of payment. However, XXXX tells me that they never got the funds. I filed a claim wiht both banks XXXX in XXXX and XXXX in The XXXX XXXX, however, both cases worked on worldremid favors. XXXX bank told me that I authorized the transaction ( which I did ), and XXXX XXXX tells me that they never recieved the funds.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NC)

On XXXX the XXXX, Simple Bank closed and accounts were allegedly moved over to BBVA. However, since Friday evening at XXXX XXXX XXXX  accounts remain untransitioned and now funds can not be accessed via a debit card or online transfer. The company has now cut off all access to phone support and are ignoring attempts to reach out via email and/or XXXX XXXX  If you go to their XXXX XXXX page, hundreds of people are saying that they can not reach their funds. You can find the XXXX XXXX page at https XXXX XXXX
Consumer complaint received 2019-02-18
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: CITIBANK, N.A. (FL)

I recently sent disputes to all three crdeit bureaus as well as the creditor ( CBNA ) And ask them to send me copies of the application with my signature
Consumer complaint received 2019-02-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE (IN)

I would like to report an unfair Business Practice. Every month Premier Acceptance XXXX XXXX XXXX XXXX XXXX IN XXXX call me on a daily basis while I am within my grace period concerning my car payment. I have had this loan for 2 years now and for the vast majority of my loan I have always paid on time or within the 10 days grace period. My car payment is due on the XXXX of each month and I was told that I have a 10 day grace period with which I utilize but I always pay my car payment on or before the XXXX of the month. I wrote a request on my XX/XX/XXXX car payment advising I would be making my payment within my grace period and I would appreciate if they stop calling me while I am within my grace period. But they continue to call daily while I am within my grace period Harassing me about a car payment and they also call my daughter who is also on the loan. I called today XX/XX/19 and spoke with XXXX to try and resolve this issue but he advised me they will continue to operate in the same manner and call me within my grace period. I asked him why do you even give a grace period if you're going to call and bug the customer about a car payment and not even allow them the time you have given them to make a payment first? He did not have an answer. I think this is a bad business practice and if you look at the reviews on there website you will see several complaints from Customers.
Consumer complaint received 2019-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX Apartment Homes & IQ Data Collection Agency are accused of the following : 1. Reported False Information on Consumers/Credit Reports 2. Repeatedly and continuously call us 3.  Seek unjustified amounts XXXX Apartment Homes ...

1. Misappropriated our rent and XXXX  ( utilities ) payments in XX/XX/2018. 
2. Overcharged us following our move out date of XX/XX/2018. We submitted a 30 Day Notice to Vacate our apartment on XX/XX/2018. Included within the 30 Day Notice we provided our newly purchased home address and a request for the balance of our account due for the apartment home we were renting. 
3. Receipts for cleaning and repairs charged to us by XXXX Apartments following our move out date of XX/XX/2018 were NEVER provided to us. Not within the 21 Days after we vacated the apartment home and NEVER at anytime thereafter. 

The actual amount we owe ( d ), less cleaning and repair fees - since we never received copies of those receipts, is {$3700.00} NOT the {$4600.00} they demanded and not the {$4700.00} the IQ Data Collection Agency is demanding from us. We have documentation of all payments we made, correspondence with the Manager at  XXXX Apartments, including correspondence of us trying to settle this account for the correct amount owed of {$3700.00}. The Manager at XXXX refused to correct his accounting errors and the correct payment owed. XXXX sold the debt to IQ Data Collection. We now have Negative marks with all 3 credit reporting agencies. This  negative mark has resulted in us not qualifying for an auto loan or mortgage refi at lower interest rates.
Consumer complaint received 2019-02-17
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. (IL)

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Consumer complaint received 2021-07-21
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. (CA)

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XX/XX/2021asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-20
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. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to XXXX and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Im being declined for a credit card Aadvantage card based on a previous account they claim Ive had with them when I havent I told them I was a victim of identity theft and they dont understand my concerns they lied to me thought out the application process with conflicting information its shameful how Ive been treated by this bank and how they dont care to satisfy my needs or resolve my concerns
Consumer complaint received 2019-02-17
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. (AL)

I have contacted XXXX on numerous occasion about the inaccurate reporting of an account listed on my credit report. I have submitted evidence that I received from the original creditor admitting they can not verify the account and require more information. I am a XXXX and will be leaving for XXXX soon and will not be able to be present in court. Im hoping that that filing this complaint shows that I'm serious about correcting and deleting inaccurate information on my credit report.
Consumer complaint received 2019-02-17
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: JPMORGAN CHASE & CO. (VA)

I got a Chase XXXX in XX/XX/2018 with the understanding that I would receive XXXX points if I spent {$3000.00} in the first 3 months. I spent that amount in about a month by early XX/XX/XXXX. They changed their policy on XX/XX/XXXX to two free night awards if you spend {$3000.00} in first 3 months ( this is worth less ). They did not honor the agreement to give me XXXX points, instead giving me the new offer, despite the fact that I'd spent {$3000.00} before the new policy came into place and I got the card based on the original offer, not something they changed it to halfway through my 3 months. I felt this was dishonest and I canceled my card after discovering what they'd done. They claimed that wasn't the offer when I got the card ( some basic XXXX research and my own memory say otherwise ).