davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
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. (GA)

In XX/XX/2020 an agreement was made with XXXX XXXX to catch my account up. The agreement was that I would no longer he e a delinquent status if I agreed to lay XXXX by the end of each month on XX/XX/XXXX of 2020 XXXX was paid. The delinquencies on this account should have been removed before XX/XX/2020 dating back to when the delinquency began. Request that the new agreement allowing XXXX payments be provided. My payments starting in XXXX and continuing up to this day need to be honored. I have disputed this Numerous times with no success
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (FL)

Both XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ) were claiming to own the debt in the amount of XXXX. 

TrueAccord ( XXXX ) has been trying to contact me and verified they were the debt holders so on XX/XX/2021 I paid the amount in full and they verified this debt has been paid. 

I tried to dispute the debt with trident asset management and they are claiming its still owed and refuses to remove their claim on my collections account
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I canceled service with Lexington Law XX/XX/XXXX. since then I was billed {$120.00} and {$40.00} on XX/XX/XXXX. I was told I was waiting on a refund on a card that was supposed to be cleared from the account. Ive called several times with no result.
Consumer complaint received 2021-06-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (NY)

XXXX ALLY FINANCIAL ) at ( XXXX XXXX XXXX # XXXX XXXX, MI XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2022-08-02
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: OneMain Finance Corporation (VA)

XXXX XX/XX/XXXX One Main was contacted by mail stating they are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



By obtaining my CREDIT BUREAU consumer report on ( XX/XX/XXXX and XX/XX/XXXX ) and without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2022-10-26
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. (NY)

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 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 2022-03-23
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. (OH)

citicard has reported the XXXX bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.
Consumer complaint received 2019-04-09
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)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX XXXX XXXX XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
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 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (OR)

XX/XX/XXXX -- -I closed on my home, mortagage paid in full with XXXX XXXX XXXX They charged me a month 's mortgage after it was paid in full through the automatic withdraw I set up with the loan. I called XXXX and was told that the payoff happened at an unfortunate time before automatic payment could be discontinued. When I asked my it is not part of their process to immediately stop autopayment when a loan is paid off, no one could answer my questions. I was told and then sent an email verification that the mortgage payment that they should not have pulled would be coming with my escrow check in the mail in XXXX business days from closing. 

XXXX XXXX-No check has arrived in the mail. I called XXXX and was put on hold an disconnected XXXX times and each time, the person could not assist me and I was re-routed back in the hold system as if I was calling for the first time. The last person I spoke to let me know that she saw that the funds were not released from escrow yet and that they have a policy that stipulates that funds are not released until XXXX business days have passed. I let her know that I was told different and had an email that said otherwise. I asked her why they kept escrow funds for so long since the official transaction is over and releasing funds to the rightful party should not take that long. She did not have an answer for me regarding timing or why. 

I also let them know my address multiple times and I decided to verify in my last call. Sure enough, after giving my new address to them multiple times, they did not have a complete address on file so the escrow check would not have made it to me even if they did mail it in a timely fashion. The customer service reps were respectful, but incompetent -- -not able to assist me on a simple matter. 

I would like to file a complaint against XXXX XXXX for wrongfully charging me mortgage payment, unnecessarily delaying final payment of/withholding escrow funds, and not being able to answer simple questions regarding the refund I should rightfully be receiving.
Consumer complaint received 2019-04-09
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)

My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX {$3600.00}, ( 3 ) XXXX XXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX   XXXX XXXX  {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 ) Missouri XXXX XXXX {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts above.
Consumer complaint received 2021-03-18
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 third dispute. 
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 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number:XXXX Reason : I don't recognize this account
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AZ)

I have a mortgage that is serviced by XXXX XXXX XXXX XXXX, XXXX, Account # XXXX. My payments of {$1200.00} have a grace period of the 15th of the month. I sometimes pay just after the 15th because of my pay period and accept the late fee of {$52.00}. I have always paid within the month and have never paid after the month end ( XXXX, XXXX, or XXXX ). My account is current ( always has been ) and " Paid as Agreed '' status. 

For my XX/XX/2019 payment, I submitted my payment of {$1200.00} ( late fee included ) online on XX/XX/2019. I received a confirmation email ( attached ). It was to be withdrawn from my Chase Checking account on XX/XX/XXXX. 

On XX/XX/2019 the payment had not been deducted from my checking account, so I contacted XXXX, who told me my Loan had been purchased and was being transferred to Chase Home Mortgage. The transfer started on XX/XX/XXXX and I would be able to access my account information on the Chase website starting XX/XX/XXXX. My payment, since it was paid electronically would eventually be withdrawn from my checking account. 

On XX/XX/XXXX, I logged into the Chase website to view my transferred account Account # XXXX and it indicated I was " Past Due '' for my XX/XX/2019 payment. I immediately contacted Chase Home Mortgage Customer Service and explained the situation, she said " Don't worry '' the transfers have a 60 day grace period and you will not be reported late. She opened a case to locate the " Missing Payment. '' I told her I had the email confirmation and it was submitted electronically. She said it will eventually show up. I said when I pay my XX/XX/2019 payment, will they post it to XXXX or XXXX, she said XXXX. I felt somewhat relieved by the 60 day transfer grace period and that, at least, I would not be reported 30 Days Late. 

On XX/XX/XXXX, I received a credit monitoring alert to my phone with a message that " Derogatory '' information on you Mortgage Account has been updated in you credit bureau. I logged in and sure enough, XXXX, XXXX is reporting me 30 Days Late for my XX/XX/2019 payment. I was livid!!! 

I should not be reported 30 Days Late as I was not 30 Days Late, the mortgage transfer has my payment in a black hole somewhere. I should no be penalized with a derogatory mark on my credit bureau for a system issue in the mortgage transfer to Chase. This is very unfair and somewhat of a deceptive practice. Moreover, this is inaccurate record keeping by a financial institution. 

I am requesting this 30 Days Late be removed from all three of the credit bureaus ( XXXX XXXX an XXXX ) and updated to reflect " Paying as Agreed. '' I am beyond frustrated with this situation and the customer service from XXXX, XXXX. 

Any help is appreciated! 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2019-04-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Good morning my name is XXXX XXXX, We satisfied our home equity line of credit ( XXXX ) with Wells Fargo on XX/XX/2019. Wells Fargo advised on a letter of satisfaction with seven to ten business days. The tenth business day concluded on XX/XX/2019. We contacted Wells Fargo on XX/XX/2019, we were informed the letter of satisfaction maybe in the mail. As of this notice we are awaiting the arrival of the letter of satisfaction for thirteen days. Give the history and reputation of Wells Fargo, we believe it is in consumers best interest to notify the Consumer Financial Protection Bureau of Wells Fargo business practices and in our best interest to seek assistance with obtaining the letter of satisfaction. Thank you for your time and consideration in this matter. We look forward to your response.
Consumer complaint received 2021-03-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results. 
I was involved in Equifax Data breach.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC. (NC)

I contacted Navient on XXXX of 2019 and advised that the courts had included my Student Loan Debt in my Bankruptcy but they refuse to remove the loans. I've given them the information from the courts and Transunion has closed out the accounts but they are still reporting balances in my XXXX.
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

My name is XXXX XXXX I was sent by mail this notice from Jefferson Capital system LLC on  XX/XX/2019. Which arrived to me on XX/XX/2019 them amount is in the sum of {$150.00} but has been reduced to an offer of {$93.00}. On that day of XX/XX/2019 I have contacted there customer service department and explained to them that the XXXX XXXX XXXX in question was paid off and the account has been closed. For well over 10 years and not been sent any notices of payment from Jefferson Capital. during that time frame.
Consumer complaint received 2019-04-08
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. (SC)

Had reason to contact Equifax customer assistance. Had to talk to someone in XXXX with poor XXXX. Someone in a foreign country should not have access to my credit information. This should be illegal.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (NC)

They cost me membership twice and now my bank overdrawl and bank fee add on it.. No way to call them cause XXXX.. it should be open on XXXX  and XXXX  but they changed closed on XXXX.. also other I applied two XXXX  for loan new one.. they send to many different lenders without my permisson.. now i have bad hard injuriries.. that hurt my score..
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

I participated an account-opening reward program with Citi Bank and opened both checking and saving accounts with Citi in early XXXX, XXXX. The reward is for {$500.00} total : {$100.00} cash bonus on checking account and {$400.00} bonus on saving, if certain criteria are met then the reward would be automatically deposited to my account in six weeks. 

However until XX/XX/XXXX, I still didn't receive any reward thus I reached out on Citi online bank customer service for an inquiry. XXXX from online banking assisted me and confirmed I met all the criteria for receiving the bonus. Moreover, she also assured me the cash bonus will be deposited by XX/XX/XXXX. I have also printed the conversation scripts for a record. 

Until today, I have never received such reward for {$500.00}. I have contacted online banks, tried to call customer service for a couple of time since a week ago - I was only told that a case has been opened for investigation. Beyond that, even though it has been another week and passed the deadline, no any action has been taken nor any one has contacted me for a resolution. 

I'd like to have Citi bank deposit the cash bonus to my bank account ASAP, instead of acting passively. 

Location of the Citi Bank XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX Thank you for your investigation and help!
Consumer complaint received 2019-09-19
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: SYNCHRONY FINANCIAL (PA)

SYNCB/TJX CO is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-04-08
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: EQUIFAX, INC. (AZ)

Told dealership I am pre-approved with XXXX XXXX and asked if they could submit my info to XXXX XXXX only as I do not want multiple inquiries on my credit report. They said that would not be a problem. This was on XX/XX/19. I got an alert XX/XX/19 that the dealership submitted info to other creditors. Three times I demanded not to have my info submitted anywhere else and three times I was told it would not be. XXXX the finance manager calls me back and says the rep was trying to help me get a lower rate and now he is the villain for trying to help out. She mentioned that she can't read his mind and doesn't know what made him do that. He is your employee, how about ask him why he went against the word he gave me. She said if he would of gotten me a lower rate that I would be happy but since he couldn't he is the villain. I explained this is not about help, this is about you telling me you are going to honor my wishes and then completely disregarding what I said and doing what you wanted to do. I told her to remove the inquiries outside of XXXX XXXX and she states we already submitted the information and we cant remove them and that she doesn't know how. A professional would apologize and see what they could do to correct their mistake. If you do not know how then ask your manager or their manager until you find the solution.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (NY)

My check was not credit towards legal tender for me XXXX use as it was a result of pain and suffering and I am still going troughs pain and suffering checking account XXXX check information THE CITY OF XXXX XXXX OFFICE OF THE COMPTROLLER - DEPARTMENT OF FINANCE IS AUTHORIZED TO PAY OUT OF THE CITY TREASURY THE AMOUNT SHOWN XXXX PER XXXX ON FILE AT THE AGENCY SHOWN ON THE PAYMENT WARRANT STUB XXXX XXXXXXXX XXXX XXXX  Dollars Check No : Date : XXXX XX/XX/2022 XXXX XXXX PAY TO THE ORDER OF : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX ********* XXXX NOT VALID 180 DAYS AFTER THE DATE OF ISSUE FOR COMPTROLLER COUNTERSIGNED XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXhese XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX