davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (MI)

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain XXXX due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (NC)

My mortgage provider does not want to speak with me about the mortgage ; they dismiss my questions and do not want to assist me. I was threatened by a lady from XXXX XXXX  this yesterday morning at XXXX morning from XXXXXXXX XXXX this morning that I must vacate my property next week Monday. I contacted the XXXX Sherriff Dept. During the pandemic, attorneys from HOA were threatening me with Bids XXXX, and now on XX/XX/2022, The paperwork all seemed fraudulent. I have a notice of foreclosure conveyed to XXXX XXXX XXXX sale for {$54000.00}. I purchased the property for {>= $1,000,000}. They are the ones who threaten me to get out of my home. My insurance company informed me that my insurance expires this Friday, XX/XX/2022. I have been speaking to representatives in my area and state and contacting attorneys. I talked to all HOA attorneys and the mortgage company. I thought I was still in forbearance. 
My mortgage provider does not want to speak with me about the mortgage ; they dismiss my questions and do not want to assist me. I was threatened by a lady from XXXX XXXX  this yesterday morning at XXXX morning from XXXX XXXX  this morning that I must vacate my property next week Monday. I contacted the XXXX Sherriff Dept. During the pandemic, attorneys from HOA were threatening me with Bids XXXX, and now on XX/XX/2022, The paperwork all seemed fraudulent. I have a notice of foreclosure conveyed to XXXX XXXX XXXX sale for {$54000.00}. I purchased the property for {>= $1,000,000}. They are the ones who threaten me to get out of my home. My insurance company informed me that my insurance expires this Friday, XX/XX/2022. I have been speaking to representatives in my area and state and have contacted attorneys. I talked to all HOA attorneys and the mortgage company I forbearance. And I notice that they are getting hostile in the area I reside in XXXX XXXX, North Carolina.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLOBAL PAYMENTS DIRECT INC. (NY)

I reached out to CFPB to contact Global Payments Check Services on my behalf to stop contacting me about a debt that I owe them. Global Payment Check Services responded and told me that they will take the necessary steps to immediately cease further contact for collections purposes and will submit the chargeback and dispute to the merchant. I received another letter from Global Payment Check Services today XX/XX/2022 asking for a police report and notarized affidavit of forgery referencing this specific check. They are NOT suppose to be contacting me about this matter any longer per the companys response. This was already disputed and resolved. They need to STOP contacting me.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

Under personal information, there's an entire paragraph stating that the reason the credit cards haven't been paid is because I'm on XXXX XXXX in The Military, and I'm certainly not in the Military! I take Great Offense to this, because I have the utmost respect for all our soldiers here and overseas, past and present and whoever put that there has no respect for my Country and it's disgraceful, and it wasn't there yesterday I'll tell you that right now and it makes me nervous.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

Ditech has not sent all of my info to the company they sold out to my mom is deceased they didnt send the information over that I was over the account and the account is paid in full and the company is still adding illegal charges to the mortgage its illegal I can not even talk to the new company about my deeds
Consumer complaint received 2022-11-06
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I have requested and received the reinstatement letter indicating the total amount needed to reinstatement of mortgage. The letter includes breakdown of various items. 
The attorneys fees was previously filed in court ( see attached ) as {$6000.00} +. 
However, in the reinstatement letter the attorneys fees is listed as {$8000.00} + See attached ) Nothing else has been done substantially since. 
I am being ripped off
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX Personal Information : EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

On XX/XX/XXXX I contacted XXXX XXXX at Atlantic Bay Mortgage Group. I contacted Mr. XXXX because he informed me back in XX/XX/XXXX that I needed to wait 6 months so that I would have 2yrs solid records of being a business owner. At that time, he told me that was the only issue standing in the way of being approved for a mortgage. My credit score is even better now than it was then and everything on my credit report was the same. Including my Chapter XXXX bankruptcy from XXXX. Furthermore, this was a land in lieu application. Mr. XXXX also did a hard pull on my credit without asking my permission. I let it go because I was confident I would obtain a mortgage. On XX/XX/XXXX after asking me to sign various documents this was Mr. XXXX ' XXXX message to me by email : " Sorry this has taken so long but your file was reviewed by a few different people and I was confused on what they wanted. Bottom line is due to the bankruptcy and limited new credit they want 12 months history on your credit card and two non-traditional references before they will approve your loan, so well need to wait until XXXX before well be able to do anything. '' XXXX XXXX was aware of my Chapter XXXX back in XX/XX/XXXX. Since then, I have worked tirelessly to repair my credit. I accomplished getting my score up a full 100 points since then. If the bankruptcy was an issue, then I should've been denied immediately. Moreover, when XXXX XXXX asked me questions, he seemed to already have the answers because of stereotypical assumptions. I even felt the need to ask him if he was discriminating a couple of times. He would never answer me directly and acted like he didn't hear my question. This entire process has left me and my family discouraged and we are afraid that we won't be able to fairly obtain a mortgage in the state of Norh Carolina.
Consumer complaint received 2022-02-24
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. (CA)

After disputing directly with XXXX XXXX, I tried escalating the matter to the credit reporting furnisher, EXPERIAN. I informed EXPERIAN that the information XXXX reported was inaccurate. I informed both XXXX and EXPERIAN about my identity theft and I provided a copy of the police report along with the FTC Identity theft report. I made multiple attempts in hopes of successfully removing these inaccuracies to avoid further damage to my credit worthiness in the eyes of potential employers or requested a copy of the original contract with my wet signature, a detailed itemized list of all charges made on the account and proof of verification for the items that were distributed. Neither one of them were able to provide any verification other than stating they verified through the data furnisher. Which leads me to be more concerned because I requested my data to be deleted along with placing a security freeze, effective XX/XX/2022. Yet both XXXX and EXPERIAN continue to not follow proper protocols to ensure the data furnished and filed is substantial to be able to be used in
Consumer complaint received 2020-04-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CO)

I sent {$400.00} to my nephew, XXXX, in the XXXX on XX/XX/2020 reference number XXXX XXXX XXXX XXXX, but it was sent by the Remitly app to XXXX XXXX XXXX  instead of XXXX. I followed the directions to update it on the next day on XX/XX/XXXX and it said update in process. I waited for the update to be done but the app still says update in process until now, XX/XX/2020. 

My nephew went to XXXX in the XXXX ( XX/XX/XXXX ) to request that they transfer it manually to them but was told they can not do it. He went to XXXX ( yesterday XX/XX/XXXX ) and they checked on it and told my nephew that the transaction was cancelled and the money went back to my account. Not clear as to when it was cancelled but the {$400.00} is not in my account as of today. I realized this is during the pandemic ( Covid19 ) but this is also the reason why I'm sending the money to my relatives. 

I repeatedly sent an email to Remitly if they can tell me when I will get the {$400.00} back in my account so I can resend it to my poor family who most need it during this tough times? I repeatedly got a response that due to the Covid19 they will not be able to help me and directed me to the app/website to get help. I sat by the computer to get help via Chat for 4 hours on XX/XX/XXXX but no one showed. Today I sat another 3 hours still no one showed. I tried to cancel the transaction myself but the app/website is stuck on saying the update is in process and would not allow any other actions to process. I don't know if the transaction was actually cancelled since I could not get a hold of anyone here in the US and I don't have the money back in my account to date. 

I need to get my money back so I can re-send it to my nephew as soon as possible. I am not getting any answer or help from Remitly at all. Please help me. Thanks.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (IA)

In XXXXXXXX XXXX XXXX, I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX to purchase 1 tire and was sold 4 new tires. Agent said that they had a promotion going with GOODYEARska ( Citibank ). If you purchase 4 tires you get them interest free for 6 months. They ran my credit and qualified me for the Goodyear credit card. After about 4 months I went back to XXXX XXXX XXXX  To let them know that I have not received a bill statement for my card its been 4 months. Ive never recieved the credit card or a email, mailing or phone call from Goodyear or Citibank. In XX/XX/2022 great rivers tires put me in contact with goodyear but by then I had incurred late fees over the limit fees on the account. Each time I call Goodyear XXXX XXXXXXXX to attempt to make a payment they refuse to take my payment. They hang up on me, I have to keep calling back! the phone calls last for 2 hours while They pass me all around to varies departments. They claim that they can not verify who I am because I dont know my account number. I dont know my account number because they didnt mail me the card or a statement. I gave goodyear my phone number address etc and they continue to say that hey can not verify me therefore they can not accept any payments from me. This is the most ridiculous thing i have ever heard from a credit card company! In the meantime they are reporting my account as late destroying my credit. My complaint is that Goodyesr ( Citibank ) keeps reporting my account as late to the 3 major credit bureaus yet they are to blame because They are refusing to take my payment, this is negligence on thier part. They are reporting my account as late yet they refuse to take a payment. They claim that they can not verify who I am. They say that I must wait for a letter from Citibank. After they get me verified then I can start making payments. They claim that they can not verify my identity yet they seem to know how to use my information to report my account as late each month. This is insane, please I help, I eed intervention..
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

On XX/XX/2020 I had applied for a checking account at XXXX XXXX XXXX and was decline because they said I was in Chex System. Therefore, I reached out to Chex Systems and they informed me that XXXX XXXX  XXXX had reported me for account abuse for two accounts one had a balance of {$84.00} and the other account was for {$140.00} which clearly I do not owe. I reached out XXXX XXXX and no one has no information they can provide. Please assist! I want this removed off of Chex Systems that way i can deposit my checks so I can take care of my family.
Consumer complaint received 2020-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX. Company 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.
Consumer complaint received 2020-04-08
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. (MS)

I have tried several disputes with the credit bureaus about late payments, and collection accounts on my credit report that is inaccurate or not mines. I have ask them to validate the accounts with written signatures stating that I own the accounts and they have fail to do so. 
The accounts are : XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX Credit Card US Bankruptcy which I have never filed Bankruptcy.Filed in XXXX Collection account XXXX XXXX  which is not mine this fraudulent account was open in XXXX. 
XXXX XXXX  XXXX Open in XXXX balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Open in XXXX XXXX I have made several attempts on getting these account removed and nothing has happened.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

I have a American Express Delta Skymile Credit card for few years. I received an offer on XX/XX/XXXX to upgrade my credit card and receive XXXX skymiles if certain criteria were met. They are enclosed in the PDF attached. Once, I met those criteria and called them for the first time in XX/XX/XXXX, they said skymiles were issued and taken back immidiately against my past negative skymiles balance. However, I have no negative skymiles balance either in Delta Airline Account or American Express Credit card account. This can be varified in the attachment. I kept asking in several subsequent calls for months to give me promissed skymiles and if not why would they not show negative skymile in my account. I was never given the skymiles they promissed in the deceptive promotion and no one ever gave me an answer and simply hid behind the line 'This is company Policy '. If company policy is to hide information from client so they can steal from their client in future, then this is a deceptive practice and a regulatory action is warranted on the company. Furthermore, if the company already knew that I have a negative skymiles balance in my account, why did they choose to send me an offer when they certainly knew that they will deduct these miles from the clients account. They chose not to disclose about my negative balance in this offer email. This is another deceptive pratice by the company. 

I called several times for XXXX months but there was no resolution. I requested to lodge complaints as well but the reps were dilly dallying in thier response. After several calls, I was finally able to lodge a complaint with them in XX/XX/XXXX and the case no. for this complaint is - XXXX. It has almost been 2 months since last call and again no response. To this date, I have not received a single email, any phone calls or letter in the mail to notify me of any negative skymiles balance in my account. On my last call in XX/XX/XXXX I was told that I still have approximately XXXX skymiles and I have no way to see it anywhere. 

They have wasted a lot of my time and still refuse to resove the issue and give me my skymiles.
Consumer complaint received 2020-04-08
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. (MS)

I have tried several disputes with the credit bureaus about late payments, and collection accounts on my credit report that is inaccurate or not mines. I have ask them to validate the accounts with written signatures stating that I own the accounts and they have fail to do so. 
The accounts are : XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX Credit Card US Bankruptcy which I have never filed Bankruptcy.Filed in XXXX Collection account XXXX XXXX  which is not mine this fraudulent account was open in XXXX. 
XXXX XXXX  XXXX Open in XXXX balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Open in XXXX XXXX I have made several attempts on getting these account removed and nothing has happened.