davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Equifax has not responded to none of my disputes. I wrote to them requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was delivered. I asked for a investigation to remove accounts that are Inaccurate. This is affecting me from purchasing a home and is upsetting. I have not received a reply from you or any acknowledgment that an investigation has begun. I am requesting for you to delete these accounts immediately from my credit file. I sent my dispute letter on XX/XX/XXXX and a follow up letter on XX/XX/XXXX so this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, we are now on day 45 people! Again, please DELETE these inaccurate items from my credit file, permanently.
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

On XX/XX/XXXX, Freedom Mortgage sent my property tax payment from my escrow account. The county did not receive the check that was sent so I called Freedom mortgage on or about XX/XX/XXXX to check into it and notify them that my property tax was due by XX/XX/XXXX or I would incur a penalty fee. Freedom Mortgage assured me that they would cover the penalty fee from their own money. On XX/XX/XXXX I called Freedom Mortgage and an investigation was opened. They put a rush on the investigation. I called them back on XX/XX/XXXX and they told me that a check was issued and gave me the reference #. On XX/XX/XXXX, I spoke to the county and they never received the check. So I called Freedom Mortgage again and I was told by the customer service rep that the county received the check on XX/XX/XXXX ( she could not confirm to me how she knew that the county received the check ). She told me they did n't cash it yet. I called the county again and they said they never received or cashed a check for my taxes. On XX/XX/XXXX, I spoke with a manager that said a new check to the county was issued on XX/XX/XXXX. I asked her why the lady I spoke with on XX/XX/XXXX told me the county received a check on XX/XX/XXXX ( although a check was never sent ). She told me she did n't know but would review the call and use it as a training call. She told me the new check on XX/XX/XXXX was shipped via XXXX. I called the county today XX/XX/XXXX and they still have not received the check. So once again, I called Freedom Mortgage and asked to speak the same manager who I spoke to on XX/XX/XXXX. After being put on hold for a while, the customer service rep came back on the phone and said the manager told her what was going on and if I still wanted to talk to the manager she would talk to me but she saw a check issued on XX/XX/XXXX to the county and XX/XX/XXXX. I asked her why was there 2 checks sent and she did n't know. So I immediately demanded to talk to the manager. The manager explained to me that something was wrong with the check sent on XX/XX/XXXX, so they had to cancel it and re-issue another check to the county on XX/XX/XXXX. I asked her for the XXXX tracking # and she did n't know it but would " try '' to get it. I demanded that she get me the tracking # and call me when it. This has now been going on for almost 2 month. I have been told a number of different stories by different customer service reps. Most of them have turned out to not be true. My taxes are still outstanding and a penalty fee has been assessed to my account.
Consumer complaint received 2017-04-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/2107 I received and alert stating that LVNV funding LLC has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to XXXX on XX/XX/2017. A pay to delete letter was submitted to XXXX on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check XXXX would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. XXXX cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.XXXX cashed my check then sold this account to another collection company by the name of LVNV funding LLC
Consumer complaint received 2023-08-08
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. (FL)

I AM LIVID WITH THE COMPANIES! I NEVER DID BUSINESS WITH THESE COMPANIES AND I AM A VICTIM OF IDENTITY FRAUD. YOU ALL ARE VERY DISAPPOINTING AS A COMPANY AND YOU ALL ARE NOT DOING YOUR JOB FORREAL. 

RE : You Violated The United States Federal Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

XXXXUnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name : XXXX XXXX As a consumer by law this inquiry must be deleted immediately. 

XXXXUnder 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
Account Name : XXXX XXXX XXXX  XXXX As a consumer by law this inquiry must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
Account Name : XXXX XXXX XXXX ( THIS WAS ALREADY REMOVED BY THE XXXX OTHER CREDIT BUREAUS YOUR LACK OF INVESTIGATION PROPERLY I THE REASON WHY THIS IS STILL SHOWING ON XXXX! YOU ALL ARE NOT INVESTIGATING RIGHT AND YOU ALL ARE BREAKING THE LAW! ) XXXX XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT NAME : XXXX XXXX XXXX Date : XX/XX/2018 As a consumer by law this inquiry must be deleted immediately. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

My attorney submitted a letter to Chase on XX/XX/2021 questioning fees on my credit card and the letter sent to my attorney in response to the initials letter did not answer any of the questions. 

I need to know how Chase reached their decision.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

We applied for a refinance with Wells Fargo in XXXX XXXX. I am an existing customer for 5+ years and wanted to go to a 15 year term lower rate. I provided all of the documents WF requested and kept requested for two  months. WF also required that I closed my current HELOC loan with XXXX XXXX as part of the closing conditions and to honor the rate they were offering. I closed the account and provided multiple documents that the HELOC was in fact closed. WF set a closing date of XXXX. XXXX XXXX called me at XXXX on XXXX and said WF had " computer issues '' all day and they were not able to get the closing info to my title company and we needed to reschedule. We rescheduled to XX/XX/XXXX @ XXXX. On Friday XXXX XXXX received the following email from XXXX XXXX and I replied no problem. 

Hi XXXX, I wanted to give you a heads up that with your new closing date there is a minor change with the cash to close amount. The new cash to close due to you at closing is {$290.00}. The loan amount is {$420000.00}. 
Let me know if you have any questions. 
Thanks, XXXX XXXX Mortgage Loan Closer I P : XXXX ext. XXXX F : XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX I then received the following email from On XXXX at XXXX XXXX ( less than 24 hours from closing ) from XXXX XXXX. 

Good Morning XXXX : We are trying to get your closing documents out this morning but it looks like we are going to need to update a couple of things that expired on XX/XX/XXXX. If you would please send these to me as soon as possible, I would appreciate it. 

Items needed : 1. Copy of XXXX bank statement ( all pages ) for XXXX XXXX account # XXXX XXXX. Copies of XXXX & XXXX bank statements ( all pages ) for XXXX XXXX account # XXXX 3. Updated XXXX XXXX XXXX statement to match the ending date of your XXXX bank statement for account # XXXX XXXX. Update Balance Sheet to match ending date of our XXXX bank statement for account # XXXX Im sorry we need to do this at the last minute but I do appreciate your help. 

Please let me know if you have any questions. 

XXXX XXXX XXXX Mortgage Loan Processor ( Safe ) NMLSR ID XXXX Sorry does not cut it. I emailed XXXX to contact the XXXX XXXX ( XXXX XXXX XXXX  ) NMLSR ID XXXX and have him call me. XXXX called me and advised that's the way it is and underwriting has to have this information or they would not close the loan. I asked how can that be? We had provided them all of the documentation regarding tax returns. XXXX said do you really want to give this rate up? No I didn't want to give the rate up but they blindsided me in the final hours and used there underwriting bullies as an excuse to not honor the closing. This was Bad faith all the way around or just a total lack of competence within all parties at WF to get on the same page. Clearly we were set to close and denied by WF.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On or about XXXX XX/XX/XXXX, I opened a checking account with Bank of america. As I am in the mode of consolidation of my bank accounts, I requested Bank of America to close my account via chat on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I requested them to close my account and I have already moved out my funds out of this account. I was told that low balance fees will be charged on XXXX XX/XX/XXXX and they will be closing the account prior to that. 
But to my shock Bank of america didn't closed my account and instead charged me low balance fees of {$4.00}
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

On XX/XX/XXXX money was sent to God-daughter, a XXXX gift. She is unable to pick up, lost id and has a XXXX. 

On XX/XX/XXXX e-mail XXXX and received case number, SF XXXX, on XX/XX/XXXX with instructions to use at store for refund. 

On XX/XX/XXXX tried to use case number at store for refund, CSR unable to locate case number. Called XXXX stayed on phone for 14 minutes -- CSR unable to assist with refund. 

On XX/XX/XXXX sent another e-mail to XXXX asking for a refund via check. I have received no response. 

To date the XXXX still had the money. It has not been picked up. 

The total amount due to me is {$57.00}. 

As of today, XXXX XX/XX/XXXX Reference No. XXXX Transaction Status Ready For Pickup Receiver XXXX XXXX Send Amount XXXX USD In-Store
Consumer complaint received 2021-03-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (NJ)

XX/XX/XXXX to XX/XX/XXXX, {$450.00}, {$330.00}, {$100.00}, {$10.00}, {$100.00}, {$110.00}. I have called well over 20 times in this time frame to resolve a host of issues. I spend no less than 20 min on hold then another 25-60 min explaining and getting passed around. It is affecting my mental stability as I get anxiety every time I have to make a payment. The company has sent a doc and resolved 1 issue only to lead to another. Supervisors don't call you back. I have written a letter to the president of the company with no response.
Consumer complaint received 2024-03-22
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (FL)

I sent a letter out on to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX said they completed the investigation, and everything was 100 % accurate. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. 

On XX/XX/XXXX, I mailed a letter to the United States Bankruptcy Court, Middle District of Florida. Im confused because I received a letter from the United States Bankruptcy Court, and they specifically stated that they DO NOT report any information to consumer reporting agencies. Since its clear the Bankruptcy Court does not report to any credit reporting agency in this matter ; therefore, XXXX response to verifying the item with the court was either an ERROR or LIE. Either way, the reporting requirements do not comply with the FCRA 611. 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, the information must be Deleted Immediately!!
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MD)

I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, I continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, 2017, none but XXXX inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.
Consumer complaint received 2022-11-25
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 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
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CA)

The credit company is midland credit management they reached out to a member of my family whom I do not speak with and is on bad terms and they had disclosed my information to them. This was on XX/XX/2021
Consumer complaint received 2023-08-08
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. (TN)

I have no knowledge of doing business with any of these creditors below. Please remove it from my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2021-03-11
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. (FL)

I am extremely mad because I've been calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.
Consumer complaint received 2024-03-27
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 
which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.