davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (IL)

In XX/XX/XXXX I submitted a complaint explaining that when my loan was transferred in XX/XX/XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan. Ditech responded that Green Tree Servicing LLC only changed its name to Ditech Financial LLC. They also stated that their records show that my total monthly payment amount has never been {$990.00}. I submitted a complaint with Illinois Attorney General XXXX XXXX because I needed to know why Ditech continued to take my monthly {$990.00} payment without EVER contacting me about delinquency, nor did I receive a mortgage statement reflecting a higher payment. I also asked if they would modify my loan, but they denied me despite my stable income. Ditech issued a sale date on my home in XX/XX/XXXX and has not responded to XXXX XXXX yet.
Consumer complaint received 2023-06-24
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: EQUIFAX, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-01-17
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. (VA)

On XX/XX/2018 I made my last payment to plain green because they were charging many fees and I found out they aren't legal to do business in my state. At that point I had paid them the amount that I borrowed. My next payment would have been due on XX/XX/2018. On XXXX XX/XX/2018 exactly 91 days after my last payment was due plain green reported the account closed and charged off to my credit report.
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

Equifax is reporting that I filed a Bankruptcy on XX/XX/2016. I have never filed a Bankruptcy on XX/XX/2016 and I disputed it with them and they came back with a result that the information was confirmed and verified. I requested the information of who they called because they advised they called the court house to verify. Then they said well we didn't call we contacted the court via the computer system. I advise that the information is incorrect so there is no way they could have verified it. Then they proceeded to tell me they walked in to the court house and retrieved the information, so I asked again who they spoke with. Then they told me they did not have that information in their department.

I would like the bankruptcy removed from my credit report as they are reporting inaccurate information on my credit report. I allowed them the 30 days to investigate, and they did not as they just came back saying that the information was accurate. The information is NOT accurate therefore under my FTC rights, the account has to be removed from my credit report.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (FL)

Account # Phoenix Financial XXXX I'm unware of this debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. They have placed this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt ''
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On or about XXXX of XXXX I opened a secured charge card account with Capital One. I deposited {$500.00} and was given a {$500.00} limit. I made several payments for 6 months. From the best of my recollection, I did not receive statements several months. I paid using a phone call in and gave check number. Sometime in XXXX of XXXX I realized that late payments hit my credit report. I called Capital One sometime in XXXX to cancel my account and use the money on deposit and close the account. 

Capital One never sent me back the deposit, which was fine as I figured they used it to pay the card off even though I don't think I charged {$500.00} I never thought about it. I have credit and pay most everything with check or debit cards anyway. Several months ago I was offered several credit cards and accepted them. That prompted me to check my XXXX XXXX which was at XXXX. However, I noticed I had XXXX closed accounts, XXXX car payment with 100 % payments on time and this Capital One. 

The car payment account was fine with 100 % of payments on time. But when I looked at the Capital One account it had a string of late payments and closure of the account by the lending company. 

According to Capital One 's reporting I paid XXXX and XXXX of XXXX on time, but was 30 days late in XXXX and XXXX, and on time XXXX and XXXX. in XXXX they marked XXXX late payments. But I asked them to close the account in XXXX with the funds I deposited. 

I tried calling Capital One to get this resolved and see what happened to security deposit and they said they had no record. Perhaps the people that take calls are not allowed that access. 

Anyway, while this is only a {$500.00} item and will come off next year anyway I would like my record to accurately reflect what happened. While I can not remember the details to dispute the XXXX red marks in XXXX I absolutely recall telling them to close the account. I also sent a letter based on what I was told at the time. 

Thanks, and any help would be appreciated.
Consumer complaint received 2020-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I received an email on XX/XX/XXXX that my temporary forbearance was ending to make my XXXX payments and the 3 months would be added to the end of my loan to show it current. I did that they have still not shown me out of forbearance and I need to refinance I work for a major airline and will have to take a pay cut in XXXX. I have spent hours and hours and even gone to a branch and they tell me its being taken care of and its still not. Im afraid to make against payment work it still showing me in forbearance. I need them to show the 3 missed payments at the end of my loan so I can refinance which I currently am on the process. I feel they are doing this so we cant refinance and we are stuck. I have had a mortgage with them for over 20 years and Im in dire stress to get this done due to my pay cut I in XXXX to keep my job with an airline for over 23 years. Please help
Consumer complaint received 2019-01-17
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. (MS)

why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since Equifax couldn't help me XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-01-17
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 (CA)

On XX/XX/2018, I saw an an AMEX ( America Express ) ad targeted for me Earn XXXX Membership Points after spending {$2000.00} in 92 days After signing up the credit card and meeting the spending requirements, the sign up bonus is not issued. 
I contacted customer support and was then informed that my sign up bonus is declined. I am not aware of this situation until fulfilling the {$2000.00} spending requirement.
Consumer complaint received 2019-01-17
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. (MS)

I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX XXXX, XXXX XXXX XXXX 01  XXXX XXXX XXXX XXXX XXXX  XXXX, 01 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 2021-07-17
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. (MD)

This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, XXXX, and Equifax. 

The consumer and natural person is submitting this complaint.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was charged for several transactions that I did not authorize. I had possession of the card, but I did not recognize the transactions that were charged on my account. My bank claims that after investigating the transactions, they concluded that there was " inconsistencies '' with the dispute and that because the merchant was a third party, it means that my debit card information was used in the transaction. Since the debit card was in my possession, they think that the idea that someone could have just taken the information that my card and committed these transactions is a hypothetical. 

They advised me to contact the merchant and ask for evidence showing it was not me who made it, but when I asked them what kind of evidence they would accept, they refused to tell me. Additionally, since I have filed these once for fraud and the bank has already rejected the claims, there is no way for them to reopen the case and give it another look. 

Therefore, I did not authorize these transactions. How my card was used, I do not know. What I do know is that my account was not used and this was another person 's account.
Consumer complaint received 2018-12-22
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: Creditors Bureau Associates (GA)

Creditors Bureau Association {$860.00} and {$700.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2023-03-21
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
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Total Card, Inc. (CA)

I asked XXXX to delete all late payment status from the 3 credit bureaus because it was due to me being furloughed in XX/XX/2020. XX/XX/XXXX my credit report reflected that XXXX did honor my request and I was so pleased and grateful. Sadly the late payment info from them has returned and currently reflected on my credit report. I am sure this is an error. Below is my original correspondence. 

Greetings, I lost my job in XXXX due to COVID19, I immediately filed for unemployment, I didnt hear anything from Unemployment of California for a long time and assumed it was because the overwhelming amount filed all at once. After weeks of nothing I finally received a request to verify my identity, and mailed back requested documents the same day. I finally received my full backpay bringing me to current benefits due to me at the end of XXXX! I made all payments up on time never late until I lost my job when the pandemic hit the world. This one infracture was due to something completely out of my control, and there was no state or government support to aid me with drowning financially unable to meet my normal responsibilities rent, food, credit cards, utilities, student loans etc. All of which have worked with me to update and defer payments during this unprecedented pandemic. That being said I was disheartened when I called Total and asked for them to remove the late from all 3 credit bureaus and they declined knowing the reason and not considering I have a flawless payment history prior. I feel this is severe and not my fault. I have resumed my excellent payment since after receiving my unemployment benefits. I just wish they would be compassionate during this one late payment
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$610.00}.
Consumer complaint received 2018-12-22
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: Experian Information Solutions Inc. (GA)

I have been sending letters to Experian and XXXX  for months now and I have repeated myself over and over again. I am extremely concerned about the actions they are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I dispute date account open for Nelnet Loan Services The date account open is incorrect for US Nelnet Loan Services account on my credit report. I am requesting that this Nelnet Loan Services account is deleted off my credit report and credit file.
Consumer complaint received 2018-12-22
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. (OR)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NE)

Wednesday XX/XX/XXXX I received a email from Chime stating they were closing my account stating I am not in compliance with their internal policies. This is what the email stated : After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : XXXX. To potentially access any remaining funds provide context and docs proving authorization of the following transaction ( s ) : XXXX XXXX XXXX {$650.00} XX/XX/2021 Kind Regards, XXXX | Chime Support I went back and forth through automated emails and finally got someone to tell me what I need to provide. So I provided a picture of my original unemployment letter, picture of my photo ID and photo of a bill with my address. Unemployment payment have been being deposited to this same account since XXXX without any issues. I can not contact anyone by phone. I did call XXXX unemployment and they have no idea why my bank is asking for additional information and will not return my funds. A deposit for my XXXX  child tax credit is what they now have holding. I can not access the exact amount of what was in the account but it was about {$450.00}.
Consumer complaint received 2022-03-17
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. (CA)

XXXX XXXX XXXX {$14000.00} Closed Account number XXXX Account status Closed Date opened XX/XX/2014 XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

Afte numerous attempts to contact coinbase in regards to selling crypto currency due to restricted account coinbase will not respond to any help ticket, I have a family emergency and am trying to sell my crypto and send the funds to my bank, I am not able to do this, no responce at all for weeks!
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION (CA)

ALLIANT CREDIT UNION {$14000.00} Closed Account number XXXX Account status Closed Date opened XX/XX/2014 XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX