davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (OK)

This company keeps reporting to my credit report. I have told them several times that this account was open fraudulently I have provided proof police reports XXXX reports, and also gave the name of the person who opened the account. I am not held responsible for this account they are not doing their job be advised this is not refusal to pay but a notice of pursuant to the fair debt collection practices fcra 15usc 1692g But this is the request of validation that I open this account I respectfully ask your company to send me proof that I have any legal obligation to pay you for account. I did not open I keep disputing this because my sister XXXX open this account phone number email banks account payments were all made by her using other peoples money. I am so sick and tired of having to dispute this. At this time. I will also inform you. If your office report invalid information to any XXXX credit bureaus XXXX, XXXX XXXX XXXX this action may constitute fraud under both federal and state law due to these facts if any negative marks is found on any of my credit reports by your company after submitting all proof that I did not open this account, I will not hesitate to bring legal action for legal action by the fair credit act violation if your office can prove that I open this account within 30 days and if you fail to provide proof, this account needs to be deleted from all three credit bureaus I have sent numerous proof of me not opening this account I am not held responsible to make payments on something I did not open or gave permission. To my sister to open this account has a balance of {$2000.00} with the over limit that I keep telling you guys I did not open and you guys want me to make payments on an account I did not open
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ready Capital Corporation (LA)

My GMFS mortgage was purchased or transferred/taken over by XXXX XXXX. I had bill payments set up in XXXX XXXX Checking account. When I received noticed that payments would need to be mailed to a different location, I first verified that in fact it was being transferred. Then I went into my XXXX XXXX online bill pay and changed the address and name for future payments to be sent to the new mortgage holding company. This edit was made by me within bill pay between XXXX XXXX, approximately XXXX weeks before the XX/XX/XXXX scheduled payment. My bank, XXXX XXXX, did not complete my updates and instead wired mortgage payment to XXXX, XXXX address. XXXX XXXX, I receive a notice from XXXX XXXX that I was behind by XXXX payments. They had not received XXXX nor XXXX payments. I made an additional payment on XX/XX/XXXX, so my mortgage would not have late fees. I contacted and filed complaints with XXXX XXXX multiple times to try to resolve the issue of the missing taken from my account XX/XX/XXXX payment. I have called the new mortgage company XXXX XXXX multiple times to try to resolve the issue. XXXX XXXX tells me XXXX had XXXX days to forward funds. Last time I called XXXX had forwarded the XXXX XXXX payment, but not the XXXX payment. XXXX days has passed. I have also been told that I should contact GMFS. However, the numbers given do NOT answer. There is NO one to contact at XXXX. XXXX XXXX has NOT taken responsibility for trying to get my money back when they made the MISTAKE of NOT updating the payment information that I updated in XXXX well before the XXXX payment. XXXX is ILLEGALLY holding on to my money.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$5300.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX Balance {$0.00} -tied up XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} -tied up
Consumer complaint received 2024-08-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NY)

XXXX XXXX XXXX XXXX  SS # XXXX XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TODAYS DATE XXXX Dear, CREDIT MANAGEMENT LP I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNT NAME : CREDIT MANAGMENT LP Account XXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXX is, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own this alleged debt and that it is accurate and complete SINCERELY
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I am writing to formally request a reinvestigation of incorrect information of this account on my credit report. Upon reviewing my credit file, I have identified that this account was already fixed or remove the late payments of other bureaus, you are the one reporting this lates in history. Please update to paid and remove the late payments. XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$490.00}
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (GA)

Deposited a XXXX  Check that was verified using the " XXXX Check XXXX XXXX ''. 

The check deposit posted XXXX/XXXX/2024. On XXXX/XXXX/2024, I received an email that stated, " This money is subject to an extended hold because some information on the check is not consistent with other information on the check. If the check is not paid, we'll notify you by mail. '' I then spoke to several Ally Bank XXXX. I was told many things. XXXX XXXX  told me the funds had not been released by the other bank. A supervisor contacted the " back-office '' and said the check was being held due to high fraud rates on XXXX  Checks XXXX 

Regulation CC, Subsection B, Section 229.10 Next-day availability, States that the regulation requires that cash deposits, wire transfers, and certain check deposits that Congress believes pose little risk to the depositary bank, such as XXXX  checks and cashiers checks, generally be made available for withdrawal by the business day after the banking day of deposit.

Why is a XXXX XXXX  check that can be easily verified using the Treasury Check Verification System being held? I verified the check myself using the website. The check was verified, and the status was " Issued ''. 

Regulation CC, Subsection B, Section 229.12 Availability schedule States that proceeds of local and nonlocal checks must generally be made available for withdrawal by the second and fifth business day following deposit, respectively. A local check is a check deposited in a depositary bank that is located in the same Federal Reserve check-processing region as the paying bank, and a nonlocal check is XXXX deposited in a different check-processing region than the paying bank. ( There are no longer any non-local checks. ) So, there should not be a hold past XXXX  days for any reason because there are no longer any " non-local checks ''. But, Congress ruled XXXX checks should not be held at all!!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : 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
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

Company has an open complaint under XXXX Equifax has been saying they are fixing the issue with Achieve loans improper reporting as referenced in XXXX but they have been doing this since XX/XX/year>, but they never fix the inaccuracies and now they want another 60 days because they are still working on it but, they keep dumping the same incorrect results, wont give me the info I request, will only redispute it and add more inaccurate information I do not believe they should get another 60 days I can not buy a house because of them and they are being summoned to court because they will not fix it.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ROBINHOOD MARKETS INC. (TX)

I previously submitted a complaint ( XXXX ) on XX/XX/year>2024 regarding being a victim of identity theft. I submitted a FTC report showing that my identity was stolen an several accounts were opened in my name including phone, checking accounts with fraudulent addresses and identification cards. I have had someone go so far as to change my information with the CRAs and also dispute information by providing fraudulent documentation, and for that I have also filed complaints on all 3 major credit reporting agencies and the small one as well. This company has stated that it has verified this debt to be mine because of that when I have continuously submitted the information that is fraud. Just because someone uses fake identification and accounts to open up credit card accounts does not make this debt mine. I am asking that this company provide this information that they are claiming to have and used to verify this debt in a timely manner.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (TN)

XXXXXXXX XXXX ( partial acct # XXXX ), has been incorrectly and negatively been reporting an invalid and unvalidated alleged debt -I requested a Debt Validation, to include a signed contract or agreement with terms, to repay any Valid Debt -I did not receive the requested information from XXXX XXXX -I told XXXXXXXX XXXX to cease any contact or communication, as it regards to this account -XXXX XXXX has continually violated my rights by disregarding my correspondence and the laws that support all that I say, pursuant to 15 USC 1692c -These illegal and incorrect communications, as it regards to this account, have caused great hardship and struggles
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (NY)

I hope this message finds you well. I am submitting this XXXX CFPB complaint to urgently seek assistance to the Equifax XXXX regarding an unauthorized inquiry that has not been removed from my Equifax credit report. I have already lodged XXXX complaints with the CFPB, and despite XXXX and XXXX promptly addressing and removing all unauthorized inquiries from my credit file, Equifax has yet to take action on this matter. On XX/XX/2023, I sent a letter to your office requesting the removal and blocking of the unauthorized inquiry mentioned below. However, to this date, I have not received any response, and regrettably, the same unauthorized inquiry remains in my most recent credit report. 
EQUIFAX : XXXX XX/XX/2023
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX  XXXX XXXX account number : XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

CAP ONE NA Inquiry date
XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX

XXXX Inquiry date
XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX Inquiry date
XXXX XXXX XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX XXXX Inquiry date
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date
XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX nquiry date
XXXX XXXX XXXX Mortgage Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX Inquiry date
XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Bank Credit CardsXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive requested multiple times verbally over the phone and in writing to remove all dispute verbage and comments from accounts. Ive been trying to achieve this for several months with no success and this is keeping me from obtaining a home loan. XXXX, XXXX and Transunion
Consumer complaint received 2024-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (CA)

On or about XX/XX/XXXX I submitted the attached Income Driven Repayment Plan Application. I was going to select the Savings on a Valuable Education ( SAVE ) Plan, but Aidvantage sent me an outdated application that expired on or about XX/XX/XXXX, as can be seen on the top right hand corner of page one ( 1 ) of the attached application, and did not have an option to select the SAVE plan. 

As can be seen on page one ( 1 ), section two ( 2 ), of the attached application, I selected the check box to be placed on the plan that would have resulted in the lowest monthly payment since there was no option to select the SAVE plan on the outdated, expired application that Aidvantage sent to me. 

On information and belief, I have reason to believe that this is a pattern of illegal business practices in violation of Business and Professions Code Section 17200 that Aidvantage is engaged in to prevent borrowers from being able to enroll in the SAVE plan prior to the federal court overturning the plan.
Consumer complaint received 2024-10-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company (KS)

I received Frost-Arnett debt XXXX notices ( dated XX/XX/year> and XX/XX/year> ) and responded with a memo ( dated XX/XX/year> ) detailing my reasons for my dispute of the alleged debt. However a subsequent review of my personal records indicated that I did agree to pay {$56.00} to the original creditor/medical facility ( a XX/XX/year>, XXXX a.m. conversation with medical customer service representative identified as " XXXX '' XXXX. I made clear to " XXXX '' that I disputed the remainder of the claimed medical facility debt ( approximately {$300.00} ) and indicated my reasons. 

In short, my complaint against debt collector Frost-Arnett is for misleading/deceptive business practices. The XX/XX/year> statement indicated a balance of {$330.00} was owed. The XXXX, XXXX statement indicated {$56.00} was owed as the notice included statement, " You paid or were credited this amount toward the debt : {$340.00} '' and the " Total amount of the debt now : {$56.00}. '' I forwarded a {$57.00} money order to Frost-Arnett on or about XX/XX/year>. However a XX/XX/year> Frost-Arnett statement indicated that while the {$57.00} money order was processed, the balance due on the account is {$330.00}.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. Hwarfield {$2700.00}, XXXX {$600.00}
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I deposited XXXX tax refund checks XXXX for XXXX XXXX dollars and another for {$930.00} I did this at the bank with a teller and was told it would be delayed and funds would be available on or before the XXXX. A few days later in the mobile app I saw the checks were on hold and would be available the XXXX I called several times to see if the check can be verified before then but no one even bothered to call the paying bank. On the XXXX I received an email saying my account was restricted I called and the reason was because the checks couldnt be verified even though they hadnt even attempted to call the paying bank yet. I was told by a customer service agent that the check doesnt state that its a tax refund so it cant be verified and my funds will be suspended once they clear this upset me and was ridiculous so I asked to speak to someone else and was connected to a supervisor who helped me get the checks verified I was then informed that a request to unrestrict my account was put in and the funds will be available on the XXXX. Today is the XXXX and the checks have cleared however my account is still restricted so I contacted them yet again several times and they said I wont be able to access my account until the XXXX even though everything has been verified I am incurring interest on the state fee to my taxes and Im unable to pay it because the funds are unavailable to me and I also have bills to pay and things to take care of I dont understand how this is legal.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (SC)

I purchased a course called XXXX XXXX  for {$XXXX} I was under the impression that it was a video course and that it would have resources in the course that I could use in a pursuit that I'm looking into. When I get signed in I'm seeing that the course is literally voice notes recorded on someone's phone. The course is a grand total of XXXX hrs with the longest lesson being XXXX mins. This course is completely XXXX. so I go to the bank to get XXXX refund and they do their investigation and determine that this guy that took voice notes on his phone and sold it to me for {$XXXX} should get to keep my money even though I'm not satisfied with the product. The refund policy stated that I'm able to get a refund if I'm not satisfied with the product so there is absolutely no justification for my money not being returned. and they are refusing to refund me the money. I want my money back and I don't know who I need to contact to get this done but we need to reopen this case and refund my money.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (CA)

I will file for litigation if Wells Fargo doesnt remove the inaccurate information from my account. fcra : ( Section 168ri ) and Delete the charge offs 15 U.S. Code 1635 15 U.S. Code 1681e ( b ). Wells Fargo can not verify or validate this inaccurate information. It is illegal to report inaccurate information on my credit report. There was only one charge off and Wells Fargo falsely reports multiple charge offs. This company is REQUIRED to delete this inaccurate information from my Credit Report!