davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MA)

My mortgage was transferred from Home Point Financial Corporation to XXXX XXXX XXXX with a first payment due XXXX XX/XX/2022. The letter informing me of the change in lender was dated XXXX XX/XX/2022. I did not receive the letter until XXXX XX/XX/2022 because I was away from home. The letter lacked detail and simply stated I should send my payment to a XXXX XXXX XXXX To be honest it looked like a scam. 

When I contacted XXXX XXXX, they stated that the loan had not been transferred until XXXX XX/XX/2022. XXXX days after the payment was due. Due to this delay, XXXX XXXX had not sent a welcome letter to me regarding how to place payment. The web page for XXXX XXXX states that my payment is late despite my inability to post payment. They did tell me that this should have no effect on my credit rating. I have XXXX complaints : XXXX ) A lack of communication from XXXX XXXX, giving me less than 30 days notice that my loan was transferred. 
XXXX ) A lack of timeliness in transferring my account to the new lender.
Consumer complaint received 2021-06-15
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: CITIBANK, N.A. (AZ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I was to receive a wire transfer on XX/XX/XXXX from XXXX to my chase account in the XXXX. The sending bank sent my name, address associated with my account and account number, except they made a mistake and sent one number off. Instead of ending in XXXX they typed in XXXX. The foreign bank was notified of the error and sent a request for call back on XXXX, they provided proof of their request. Chase Bank says they have not received this request. They also have credited the money to a different account despite the fact that the name and address did not correspond with the account number. They failed to follow their fiduciary duty of validating the transfer information before processing. They also are not helpful, I have called many times only to get different answers. I filled a formal complaint with them and they said they can not guarantee they will resolve the issue. They continue to state that the sending bank needs to send them a recall however they were sent one and the foreign bank says they can not send another. Chase was offered a copy of the recall but refused. They are aware the account they credited the transfer to does not match the other information provided but so far have refused to help, even after a formal complaint was filed. I told them on XX/XX/XXXX that I would have to file a complaint with the regulating agency and given the time it has taken already I decided to try to get a resolution to no avail, I have decided to fill out this complaint.
Consumer complaint received 2019-08-02
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. (GA)

The complaint is with Equifax. Tried to get it closed it has reached statute of limitations 7 years. XXXX  and XXXX  has moved it from my credit report. So I'm wondering why Equifax has not moved it.
Consumer complaint received 2019-11-16
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: BARCLAYS BANK DELAWARE (CA)

Obtained a credit card with Barclays Bank after being promised a promotional credit of air miles. Paid a {$99.00} fee and was then told I would not receive miles as I previously had a no annual fee card. Cancelled card and they would not refund the {$99.00} fee.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I 've already filed a complaint with XXXX and according to my latest credit report, they did NOT change the incorrect information. The Home Equity Loan was not included in my bankruptcy but rather XXXX  failed to complete the loan paperwork correctly and therefore the loan was discontinued and written off. They removed this item from my husband, XXXX XXXX XXXX Credit Report already.
Consumer complaint received 2017-07-05
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: Experian Information Solutions Inc. (MI)

Contacted company and I have unauthorized inquires from companies Inquires are-XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX,  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I had a bank account with bank XXXX XXXX years ago. I ended up over drafting my account I asked questions about my credit ect I was told if I pay the balance I wouldn't be reported to any agency there would be no penalties but the account would be closed. I paid using all the money I had. When XXXX hit i tried to get a loan, i tried to open an account with a credit union i tried to get assistance i tried to go into business for myself all failed due to account becoming marked as closed for fraud in chexsystem even though it was closed due to over draft and bank XXXX XXXX kept transferring me around for hours my phone log will show i have called bank XXXX XXXX and check systems for years and spent hours and called daily trying to get it corrected or removed I specifically asked in my dispute for proof in writing I did not receive that and chex system wont remove it bank XXXX XXXX said chex system houses it and would need to dispute it and i have I read the fcra and it states that inaccurate information must be removed and it is inaccurate but they will not remove it and it is causing a delay in my financial life as well as costing me to lose XXXX XXXX XXXX they keep saying there is nothing they can do about it. I have requested them to send me a explanation in writing how this is accurate and they declined. This was a over drawn account that is paid off not closed for fraud and chex systems told me they dont actually investigate it they just upload what is sent and stated bank XXXX XXXX did not send the proof i requested in writing but still did not remove it as they broke regulations i have the right to ask for proof of what is being reported and it has been years the last dispute has been about 60 days still no proof in writing from either and chex systems still hasnt deleted it they are reporting lies and it is unethical and im finding alot of issues with how i am being treated. Please help be get this removed as I would hate to waste any more years my family and i are suffering over their lies.
Consumer complaint received 2022-07-07
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: Bread Financial Holdings, Inc. (CA)

FROM XX/XX/2022 Been trying to fix my credit with no results. Multiple requests of disputes, investigations and re-invistigations have failed to fix the problem as a result now I have an INCOMPLETE tradelines which includes x, unknown information because according to XXXX the furnisher does not know the information disputed. I have tried to communicate with the furnisher in multiple occasions via different channels of communications all with no results. The furnisher has refused to provide the information disputed and the representatives are unqualified or unable to verify any information due to being in a remote location outside if the United Sates or in other occasions employees working remotely with limited resources to escalate or transfer calls to the correct party. Most recently I called and spent over an hour with no results, nobody knows where the information disputed is. In addition, the certified letter I sent with signature required, the representative checked the company 's directory and advised the person who signed the certified letter return receipt is not in the employee rooster. 
Both parties in concert have done anything to provide a fair, accurate, error free tradeline. I have exhausted all efforts and seek assistance enforcing my consumer rights.
Consumer complaint received 2021-06-15
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: WELLS FARGO & COMPANY (AZ)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-12-15
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. (FL)

false collection from XXXX XXXX XXXX XXXX appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the XXXX XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector XXXX XXXX and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

XXXX frozen my account. I never got an email for them describing why they froze my account what to do I had to call I was on hold for over an hour and a half I was cut off directly at XXXXXXXX XXXX Central standard time I have several emails going back and forth where I explained to him I difficulties and why I can not produce the ID for them that they need to unfreeze my account I've also told them that they have my direct deposit from my employer I have a W-2 I have my social security but I don't have the ID with a picture on it it's expired and I can't get a new one with covid it's a Long drawn out process this has been since XXXX I don't have anything else I can do but send a complaint here because they don't care about me they don't care that that's the only money I have and they don't care that I'm homeless I've been that way since covid started and I lost my job and my apartment I had a house fire before that and lost everything with documentation so just increasingly made it harder for me to get identification so here I am
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (CA)

ILLEGAL, WRONGFUL, TRUSTEE SALE NO. XXXX auctioned our home on XX/XX/2024, considering ; I, XXXX XXXX XXXX XXXX and The XXXX XXXX XXXX, was forced to file on XX/XX/2024 at XXXX my XXXX Bankruptcy case no. XXXX before XXXX before auction of our home BY ; Fay Servicing , LLC and their assignee 's, XXXX XXXX XXXX XXXX XXXX trustee of loan XXXX ) and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auction our home during my automatic stay proceedings up to current date. Violations of of all US Federal Laws. 

Furthermore, Fay Servicing, acknowledgement letter date XX/XX/2024 of our Loss Mitigation application is complete and in review within 30 days of acknowledgement up to XX/XX/2024. Fay Servicing and assignee 's mentioned above, order the Trustee Sale No. XXXX on XX/XX/2024 XXXX ( XXXX ) days into review on our application. Our home was Auction on XX/XX/2024. Violation ( XXXX ) of Fay Servicing and their assignee 's for Loss Mitigation " XXXX XXXX  '' { XXXX } foreclosure-trustee sale and Loss Mitigation both concurrent is ILLEGAL. Also considering, my XXXX XXXXXXXX US Bankruptcy proceedings, our home was still Auction and Fay Servicing and their assignee 's refuse to : { RESCINDED ) trustee sale of our home up to current date.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NY)

I made a purchase for a hotel using a third party application the fee was processed and room was booked upon arrival I was asked To give a card for Temporary hold I use another debit card were they process a fee I was told will receive after I depart I waited a week no refund so I called they let me know it we released to call my bank after calling they state I need to give and email to receive back my deposit or wait 30 days were there is nothing stating this
Consumer complaint received 2022-07-07
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: DISCOVER BANK (MI)

Discover Bank instead of completing an investigation is engaging in illegal retaliatory tactics and trying to punish me and I would guess other consumers as well for exercising rights under FCRA, this account information is older than 7 years old, Discover also illegal allowed me under XXXX to open this account and gave me a credit limit they were very well aware that I would not be able to afford paying back. I am XXXX XXXX XXXX and this account is older than 7 years, if I still need to be held accountable for this maybe we should also go back 7 years and investigate why Discover thought it was appropriate to give an XXXX XXXX XXXX still in XXXX XXXX a credit limit of {$1000.00}. I have filed a complaint at XXXX XXXX XXXX as well as they are now making my credit scores drop with their predatory practices. There is no outstanding balance on this account either.
Consumer complaint received 2022-07-07
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: BARCLAYS BANK DELAWARE (TX)

My vehicle was vandalized twice and on each occasion, personal information was stolen from my car. I have filed police reports and added extended fraud alerts on my credit by I continue receiving alerts that my information appeared on the dark web and/or inquiries appear on my credit report which I did not authorize. I have disputed this directly with the credit requestors along with XXXX but the inquiries have not been removed. 
The unauthorized inquirers are : Barclays Bank Delaware on XX/XX/22 XXXX XXXX XXXX on XX/XX/22 XXXX XXXX on XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/22
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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 an account without my written instructions
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

This the letter I wrote on XX/XX/XXXX after multiple phone calls with customer service. I just got off the phone on XX/XX/XXXX & was told that they have by the end of the day to complete this. They knew I was closing on a refinance but didn't care. I have taken this issue up originally back in XXXX of 2017, but they didn't correct the issue back then either. It is not fair that I have to take a higher interest rate, pay thousands of dollars more in interest because this company refused to correct their mistake. 

I am writing this letter because I am purchasing a new home, I was told that the 30 days late & 60 days late are still reporting on my credit report for dates XX/XX/2017 30 day late & XX/XX/2017 60 days late. 

The reason that this was reporting late, is when I paid online, I made a double payment by accident.I called to correct the problem. When I asked to reverse one of the payments, Freedom Mortgage canceled both payments & sent me a refund check. By the time, I knew that this had happened, it made my account look like I was missing two payments, even though I made the actual payments once I figured out what had taken place. I had called several times on this in the past and was assured that both late payments would be removed from my mortgage rating. 
I am asking Freedom Mortgage once & for all to please remove the 2 late payments, so my credit score will go back to where it was supposed to be in the high XXXX. I have never been late on any account. My new home is supposed to close on XX/XX/XXXX, so I am requesting a rush on this. I appreciate your help in this situation.
Consumer complaint received 2017-06-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Big Picture Loans, LLC (TN)

A man named as XXXX XXXX, PH : XXXX from XXXX XXXX XXXX Reference No : XXXX and said he was an attorney. He called my employer on XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at XXXX XXXX have contacted me before at my employer workplace phone number to try collect on a payday loan with Castle PayDay Loans. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.
Consumer complaint received 2022-12-03
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-06-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (FL)

This company calls me daily for a debt that is owed by someone else. I began tracking the calls on  XXXX / XXXX / 17  but was able to locate some prior calls before that date on my cell phone and below is a log of the call to my home and cell phone :   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   - I asked them to stop calling me   XXXX  17 at   XXXX   XXXX   XXXX  17   at   XXXX   XXXX   XXXX  17 at   XXXX   XXXX   Again, they are not calling me for a debt I owe but for someone that I know. I have asked them to stop calling me but they continue to call every day.