davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

I've disputed items on my credit report. Equifax has dropped my score by 125 ... When I contacted Equifax they explained they dropped my score because I'd disputed items. This was stated on an open and recorded line.
Consumer complaint received 2022-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

I changed insurance companies and there was a balance with XXXXXXXX  I paid XXXX  once the error was explained regarding coverage. They turned over to collection prematurely when balance was paid already. Caine and Weiner was to delete the error but place a paid collection which cause my credit score to drop XXXX points. I never owed the collection agency I never paid the collection the original creditor was paid .the collection agency agreed to delete the error but did not
Consumer complaint received 2021-11-03
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I'm having an issue with CitiCards. When I make a payment for my statement balance in full, the last two times they have always requested/received TWO full statement balance payments from my bank. So,  I've had the same issue happen twice now. 
It happened once on XX/XX/XXXX. 
It just happened again today/yesterday. The payment is still processing/pending with my bank. 

So, inXX/XX/XXXX, I scheduled a payment for {$900.00}. It was scheduled at some point in advance of XX/XX/XXXX. On XX/XX/XXXX, my checking account with XXXX XXXX XXXX that was being used to pay the credit card bill is charged for {$900.00} TWICE. My credit card bill then starts to show a balance of NEGATIVE {$900.00}. I didn't think much of it at the time because I thought I may have scheduled two payments on the same day by accident and not checked the scheduled payments. I carried a negative balance on the card for a while and had no need to make a payment in XX/XX/XXXX. When the billing cycle payment due date came around in XX/XX/XXXX, I had a bill for {$91.00}. I used the mobile app to schedule payment XX/XX/XXXX. I checked it to confirm there was only ONE  listed scheduled payment. That was all I ever saw. I received an email from Citi cards telling me that my payment was received and then I saw something showing I had a NEGATIVE balance again. 

I contacted CitiCards today through their chat platform. The person was helpful, but I have no sense of this actually being resolved. I contacted my bank, XXXX XXXX XXXX, to confirm it wasn't on their end. They said they received two  authorizations in XX/XX/XXXX and there are two more coming in for this recent instance. XXXX XXXX XXXX offered to put in fraud claims for any/all of the charges, but I elected to not pursue that at this time because I don't want " block '' myself from paying my own credit card bill. I was concerned that would lead to late fees or interest fees with Citi that I would have to discuss with them. 

I requested that I receive an email or phone call of some kind to verify that this is taken care of. It seemed as though they will apply this information to my account, but I have no idea if anything will change. I just wanted to get this out there because if people are carrying a relatively low checking account balance, this DOUBLE billing practice may result in fees from their bank or wherever they are drawing from to pay their credit card.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

On XX/XX/2020 made reservations on Norwegian Airlines using my Costco Citibank Visa Card - ( XXXX, XXXX - XXXX - XXXX XX/XX/2020 - XX/XX/2020 ). Base fare for two was {$1000.00} plus two seats for {$180.00} = {$1200.00}. On XX/XX/2020 was notified that the airline was discontinuing overseas flights and a refund claim submitted ( code : XXXX ). Because there was no timely response a claim was submitted to Citibank on XX/XX/2020. On XX/XX/2020, XXXX XXXX acknowledged receipt of the claim but were " unable to assist during this difficult time ''. Thereafter there were many corroborating mailings to Citi in South Dakota as well as Emails to both Citi and Costco. On XX/XX/2020 Citibank 's website stated that they had settled the claim in the airline 's favor. Subsequently, letters and Emails were sent to Citi asking for clarification. On XX/XX/2020 was notified by XXXX that there was nothing more they could do, and Citi Costco Visa could assist no further.
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

I On XX/XX/XXXX, I noticed a notification of a document that I was prompted to review from my mortgage company, Mr. Cooper. I logged and found that a Escrow Analysis had been done and found that I was in deficit of {$10000.00} and my mortgage payment was going to increase from {$2800.00} to {$4900.00}. Needless to say, I called Mr. Cooper and they stated that I have an Escrow had a deficit and I have a new AV in the amount of {$17000.00}. This in my opinion could only be true had I done any major home construction improvements like add a bathroom, expand a kitchen, add a deck. I have done nothing. My home is a new construction and as the Tax Assessor explains that because it was a new construction and was under the reporting of the builder, my first year taxes did not include the home structure Assessed Value. So that's why there was a lump sum payment at the end of XXXX in the amount of {$10000.00}. 

Mr. Cooper is stating that they have reviewed the Tax Assessors website and looked up the property and have made an estimated assessment that my taxes will be at year end {$17000.00}. When in fact if you look at the tax assessors letter its clear that the estimated AV, based on XXXX interest rate because XXXX interest rate has not been distributed, will be {$11000.00}. The Tax Assessor explained that when the XXXX interest rate is distributed, it would never be in excess of thousands of dollars. 

My main complaint is that I believe that Mr. Cooper like many financial institutions are preying on people with FHA Loans that consistently pay their mortgage with ways to make more money on those accounts. I say that because Mr. Cooper representatives have been literally hounding me to refinance, I receive an insane amount of emails, phone calls and letters. They are promoting some FHA refinance package that allows people to refinance with no credit check, no downpayment. I understand that there are programs around like that for people who are in severe financial distress I am still employed so I though I struggle with balance, I am not in that place. 

I am reporting this complaint because practices like this do a couple of things : 1. Allow people to lower their payment who are not in need to do so and limits resources to people who may desperately need to lower their payment. 
2. Allows banking institutions like Mr. Cooper get away with financial bullying If I did not have the mental acuity to call the Tax Assessors office to get answers, I would believe the mortgage company and would probably be forced to sell my home or refinance which could ultimately be the cause to me losing my home since Mr. Cooper so strategically generates these scenarios.
Consumer complaint received 2021-05-21
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. (AR)

Im sending in a complaint to XXXX, XXXX, & EQUIFAX, i have sent them multiples letters asking them to please remove the inaccurate and negative information that's reporting on my credit reports.They keep ignoring me with stall letters and I am very upset with it. If they can't provide me additional information and documents that i have statement in multiple letters i have sent them, they need to REMOVE everything i challenged IMMEDIATELY.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (WI)

On XX/XX/2021 I noticed that my account with Pnc had a XXXX balance the day before XX/XX/2021 I had XXXX $ in my account I later found out they closed my account and froze my money say it was an issues with verifying my information I had the account for a month now me nor the banker that opened my account received any notice prior saying it was something wrong with my account I went to the branch I opened the account and the banker spoke with the department it turns out it was a typo in my social he asked if he could fix the error and keep my account open they stated no so he asked if my funds could be released they also stated no I had to wait on a cashiers check which is a big inconvenience seeing nothing was fraudulent on my account and it was a bank error not mines so they punished me for it and closed my account leaving me with no access to my money and I have bills and a family to take care I asked to speak to a supervisor they said I couldnt and it wasnt nothing more that that could do for me that Pnc bank has the right to discontinue business with me even though Im not at fault now Im suffering with no money at all Ive called all the departments still no help or my money back
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A. (AL)

I was Approved for a small XXXX cash advance that I needed to be able to has vehicle Pnc denied the company to sync bank account Im doing right by avoiding overdraft negligence I make a great biweekly salary that has taken its toll yes I am working but doing way more we are having to deliver services which the company is not compensated gas
Consumer complaint received 2017-09-14
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. (PA)

Equifax recently got hacked because of there lack of cyber-security. Now I have to go through the hassle of tracking my credit score and sign up for monitoring because of the potential my information could be sold and utilized to get loans, credit cards, and other financial gains for a identity theft criminal at the expense of my credit score. How I am I supposed to coup with this? I need financial reimbursement for time and money spent to maintain my security against identity theft. Equifax should be dissolved and the money should be given to the citizens of the united states of america.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX XXXX SS XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Consumer complaint received 2022-12-10
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: JDJ Investments, 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 confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Home Shopping Network has my phone number associated with an account that is not mine. The account has gone delinquent and they are trying to collect payment. I have asked that they remove my number or to stop calling and to date they have not.
Consumer complaint received 2018-01-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 {$450.00} {$450.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This debt has been sold so many times and nobody can validate it for me and I can ; t keep up with what collection company it is at half the time. 
I do n't believe its mine either.
Consumer complaint received 2020-12-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-11
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: EQUIFAX, INC. (GA)

The companies in this complaint are illegally reporting inaccurate information on my credit report. Plus The one of the companies on my credit report has gone out of business was previous sued. The company XXXX has gone out of business for also breaking the law.
Consumer complaint received 2021-04-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (CA)

In XX/XX/2018 my car was repossessed I paid XXXX at one time plus I made five payments of XXXX ... my loan amount was for XXXX Now they say I owe them {$6000.00}
Consumer complaint received 2021-04-27
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. (CA)

I already reached out to EQUIFAX and to XXXX XXXXXX/XX/XXXXand notify them of their error posting of information on my report. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-10-04
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST (CA)

I refinanced my property from Bank of the West to XXXX XXXX, during this process, taxes were due, to be paid out of my escrow account. Bank of the west paid my taxes late which occurred late charges, I was never notified that taxes were not going to be paid on time. I spoke with Bank of the West, they told me that a letter should have been sent out, I never received a letter and requested proof of the letter sent, after a day they emailed me back and informed me that they never sent me a letter. I have repeatedly tried to find out whether they were going to credit my escrow account, but now i can not get a response. I should have the right to pay my taxes on time and avoid late fees, Bank of the West never gave me the opportunity and therefore took it upon themselves to spend my hard earned money.
Consumer complaint received 2021-08-07
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. (DC)

I contacted EQUIFAX, XXXX, and XXXX on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EQUIFAX, XXXX, AND XXXX had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, demand that EQUIFAX, XXXX, AND XXXX remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore they have 4 business days, and Congress states EVERY day is a business day, to remove this " XXXX '' account from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.
Consumer complaint received 2019-02-21
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. (CA)

After sending certified, return receipt letters to Equifax on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$310.00}, account # XXXX, requesting that I would like some type of verification for the supposed debt that was bearing my signature, I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long Equifax is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by Equifax, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.