davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (TX)

In accordance with the fair credit reporting act, XXXX has violated my rights. 

15 USC 1681 Section 602 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 written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CO)

This issue is related to my Macy 's credit card. I always pay all my Credit card balances on time but on my Macy 's credit card they have charged {$2.00} interest fee and I was not even aware of that. due that I got hit XXXX point on my XXXX XXXX which is totally wrong. I am planning to buy a home soon and due to this wrong charges my XXXX XXXX went down. XXXX The moment I got to know about the charges I have paid them immediately XXXX Please do the needful. 

Appreciate your support! 

Thanks XXXX XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (OH)

To Whom It May Concern, The reason for my dispute is TRS RECOVERY SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, TRS RECOVERY SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) TRS RECOVERY SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation TRS RECOVERY SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where TRS RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. TRS RECOVERY SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2018-04-03
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. (MI)

I have previously disputed this below inquires with Equifax directly and they only responded " inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' There are NOT factual. This is to notify you that I contacted the following inquiry creditors for proof of authorization to pull my credit. I do not recall placing an application with such creditors, nor do I agree to having had my credit pulled by such creditors. I reached out to the creditors who placed the inquiry and requested they remove the credit inquiry from my credit profile. XXXX XXXX XXXX responded that they will remove the unauthorized inquiry. XXXX XXXX received a dispute via certified mail, XX/XX/XXXX, and has failed to respond for the unauthorized inquires on XX/XX/XXXX and XX/XX/XXXX so I am assuming they have no such documentation. XXXX   XXXX received a dispute letter via certified mail XX/XX/XXXX and has failed to respond as well. I demand these inquiries be removed from my credit file at once : 1 ) XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I am enclosing a copy of the letter mailed certified to the inquiring creditors, along with XXXX 's response stating they do NOT have records of my inquiry and are removing the inquiry. I have also attached certified receipts for the letter mailed to XXXX XXXX and XXXX   XXXX. With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate, unverifiable information on my credit file and liable for monetary damages. Thank you for your cooperation.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (TX)

I have called to ask what the debt was that was showing up on my credit score for {$180.00} IN COLLECTIONS. The first call I was told there was a glitch in the system and to call back and they could not tell me what the charge was for. The second time I was told there was no debt owed and a 0 balance after getting transferred 3 times over the course of an hour. When I asked for a statement sent to my email they would not send it. When I asked for a letter stating there is a XXXX balance, I was told " uhm no '' and was hung up on. I have closed this account years ago and there is no reason for me to have a balance OR to not be sent a statement for resolution and to be secretive on what that charge is.
Consumer complaint received 2021-11-01
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. (OH)

My name is XXXX XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the response of Equifax Credit Bureau about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Date XX/XX/XXXX ; 2. XXXX XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX XXXX XX/XX/XXXXInquiry Date XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 6. XX/XX/XXXX Inquiry Date XX/XX/XXXX; 7. XXXX XX/XX/XXXX Inquiry Date XX/XX/XXXX ; 8. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 10. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 11. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ;
Consumer complaint received 2020-10-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (GA)

Department of Ed/Navient is using my nonpublic personal Identifying information to include my social security account number WITHOUT my express consent or authority. I specifically deny and object to liability on account stated as rendered no. XXXX as I am not a debtor but a Natural Person who acquired " Consumer Goods '' to be used primarily for Personal, Family, or Household Purposes. The three major Credit Bureau 's by law is directed to removed said inaccurate information as it causes the " Consumer '' undue hardship by reducing my lending/selling ability and purchasing/buying power through commercial disparaging to which Identity Theft conversion of property. XXXX XXXX XXXX XXXX XXXX changed my character from Principal/Consumer/Supplier/Issuer/Accounts payable to borrower/debtor/ Accounts receivable and assume my Identity to sell commercial paper in my name. Criminal Fraud has no statute of limitations and I will defend against any Corporations, Individual, Private Entities that is affiliated with the U.S. government or Not affiliated, and I will seek my remedy and stand up for my Rights.
Consumer complaint received 2020-05-15
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. (IL)

XXXX holding is reporting this account with a past due balance. They have last reported in XXXX of 2019. The fact of the matter is that XXXX holding no longer owns this debt and I was unable to settle this debt with them. They are however still reporting this debt as an amount owed to them. This is illegal and it's a direct violation of the Fair Credit Reporting Act. I want them to remove any and all reporting from my credit reports.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/2020 I started the application process with Chase. Through this process the bank kept asking me for the same information that I had previously submitted. Once submitted, the underwriters would take so long to review, 6 weeks, they would have to ask for information all over again. This went on for 8 months. Over the course of this time they pulled my credit 9 times! This has substantially damaged my credit. To the point I can't get refinanced. Chase sent me a letter of denial in XXXX. It stated that they were unable to help me because I was asking to pull out to much of the equity in my house. This is not true at all. All I was trying to do is refinance my house. Didn't want to pull any money out
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2018 My XXXX   XXXX Retirement of {$500.00} is always deposited. 
I have attempted for 4 months to Transfer All The Required Information from Wells Fargo and to a different bank!! BUT!! every month that deposit goes to Wells Fargo?? 
In XX/XX/2018 I went to the HQ offices and with one of the Ladies together we completed ANOTHER TRANSFER DEPOSIT and my Pension was By XXXX FORMAL Requirement was sent to a Different Bank. WRONG!! Some way Wells Fargo received the Deposit and on the 2nd day ( XX/XX/XXXX ) again the deposit disappeared????? That is the money I pay and have been paying for many months to XXXX XXXX apparently owned by Wells Fargo? This is More Fraud, Theft, Conspiracy.

These Attacks, Fraud, Theft, Conspiracy should result with ALL THESE PEOPLE in Federal Prison for 10 years!!
Consumer complaint received 2019-05-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX my husband and I took out a 2nd mortgage on our house with XXXX XXXX XXXX, loan # XXXX/Min # XXXX. We made some payments but we soon fell behind and was not able to make our payments any longer back in XX/XX/XXXX. The mortgage company stop sending us paperwork and being that we are older we did not worry about it because it showed on our credit report that it was charged off by the mortgage company. We just recently looked up the Min # XXXX on line to figure out what happened to this loan and found out CitiMortgage, XXXX. is the servicer. We have called CitiMortgage countless times in the last month to get information on our loan but every time we get a person on the line they can NOT find any information on our loan and they are NOT trying to help us in any way.
Consumer complaint received 2021-11-01
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. (FL)

On XX/XX/2021 I sent letters regarding in accuracy and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute section 611 ( a is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you calls me. My information was also impacted by the echo effect data breach and may have got into the hands of the wrong person..

I feel that these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge. I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly you all are ignoring me. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ). It is plainly stated that Filion to investigate these accounts within 30 days gives a reason to immediately remove these items from my credit report has been 50 days so they should deleted promptly
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: QC HOLDINGS INC (CO)

Saw my pay check and it had a garnishment of XXXX from XXXX XXXX XXXX XXXX. I email them to stop garnishing my pay check during covid 19 pandemic. They refuse. I cant pay rent. They never contact me or anything. They are taking money from me during a pandemic this is an outrage. Case XXXX I dont even know what this is for.
Consumer complaint received 2020-08-31
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX   XXXX {$3900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX {$20000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX  XXXX {$7100.00} XXXX XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00}
Consumer complaint received 2020-11-17
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. (NJ)

On XX/XX/2020, I purchased six travel tickets from XXXX for {$450.00} each. Due to COVID the flight was cancelled therefore I opened a dispute with CITI bank for a total of XXXX. I received a conditional credit on my XXXX statement for all six tickets. I contacted XXXX and they confirmed the tickets would be refunded back to my CITI credit card therefore I withdrew my dispute and CITI reversed the conditional credit on my XXXX statement. On XX/XX/XXXX I received six email confirmations from XXXX showing that all six credits were applied back to my CITI credit card. 
However, when I received my XXXX statement there were only credits for 5 tickets. Three of the credits are noted as Citibank credit for dispute and two tickets as credits from XXXX. 
I have tried contacting CITI bank numerous times regarding the outstanding credit but I keep getting different stories everytime I call. I was told by a CITI account manager that XXXX did not process the sixth credit therefore I would need to contact XXXX. I called XXXX and they confirmed all credits were shown as refunded to CITI and they even agreed to a three way call with CITI to resolve the issue. CITI was not cooperative and I was told there was nothing they can do because the investigative team is a third party and I would need to wait 7-10 business days for an answer.

Each and every single time I called CITI I was told to wait 7-10 business days in order to get a response. We are now going on four months and I have not been able to resolve this issue with CITI. They are holding my {$450.00} credit and have not applied to my account.
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc. (NV)

In Early XX/XX/2020 Simons Agency placed a collection account on my XXXX  report. ( Exhibit A ) Simons agency is claiming I owed {$170.00}. I never received documentation Or calls from Simons agency validating this debt and was provided no information on services rendered. They are in violation of the the FCRA. On XX/XX/XXXX after speaking with the collection agency, I called XXXX XXXX XXXX and they said I had a balance of {$190.00} which I promptly paid to them. ( Exhibit B ). I never paid anything to Simons Agency. There also appears to be a discrepancy between what XXXX  claims I owe and what Simons agency reported.
Consumer complaint received 2022-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

XX/XX/XXXX - Took a {$240000.00} mortgage with XXXX XXXX to consolidate mortgage, home equity line of credit and other debt. Interest rate 8.775 %. Poor credit caused the rate to be high. Payments {$2200.00} ( principal, interest, real estate and home owners insurance ) XX/XX/XXXX - after XXXX months of consideration process with then mortgage holder Selene Finance, XXXX and streamline modification granted taking the payments of {$2200.00} to {$2600.00} First payment due XX/XX/XXXX The new payment included all of the interest, fees assessed, et al. Contacted Selene to explain the purpose of the modification request was to lower the payments. Could not afford the {$2200.00} how was {$2600.00} or 17 % increase plausible? 

XX/XX/XXXX - enlisted the services of XXXX XXXX XXXX to mediate on my behalf ( {$800.00} monthly fee. The original package supplied a Notice of Demand as to the predatory lending practices of Selene. The demand letter stated ( in part ) " ... have concluded that { we } can successfully plead cause of actions for legal violations under truth-in-lending act is associated Reg Z the consumer fraud protection act, common law fraud, unjust enrichment and the covenant of good faith and fair dealing ... '' in closing Intel order or verdict rescinding the transactions, award of any attorney fees, costs, return of all paid interest and closing costs. Statutory damages ; lawful interest ; compensatory and/or punitive damages ; cost of suit ; any other relief as the Court may deem equitable and just. Separate letter Qualified Written Request under the Federal servicer act. 
Both attempts- with Selene LP and XXXX - needed to submit a Hardship Letter. Both entities were made well aware of my mental health disability.

Was self-employed. ( as an LLC which has been dissolved ) Cleaning service for summer rental was halved in XXXX. Did not work during the COVID summer season and was eligible to receive monthly benefits by means of the CARE Act and XXXX program XX/XX/XXXX - my doctor placed me on temporary disability currently no determinable return ( if at all ) date. 

XX/XX/XXXX - spoke with XXXX as to why I would be getting the affidavit of intent to foreclosure. THEN it was communicated the letter or qualified written request were filed with Selene. No communication in any manner has been made with Selene and there are no attorneys at XXXX XX/XX/XXXX -Served by the Superior Court of New Jersey Chancery Division XXXX Foreclosure complaint The Court needs a reply within XXXX days
Consumer complaint received 2017-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GU)

I signed up with Coinbase and purchased some XXXX, XXXX, and XXXX via their website. Soon afterwards, I could n't access my account because the system required an additional " ID Verification '', which would not work. I tried contacting Coinbase through their website customer support, but only got automated responses weeks later, which did not resolve the issue. I tried other methods and finally got the verification cleared, but all my linked accounts were subsequently deleted from my Coinbase Account. When I tried to re-add them, I just got a message stating, " That bank account has already been added to your account. Please contact support to reinstate it. '' It 's been way over a month since I 've sent numerous requests via their online support, but received just one general response ( about a month after my first request ) that stated, " Thank you for contacting Coinbase Support. We sincerely apologize for not being able to provide you resolution in time.
Since we are currently working on volume of inquiries. Truly appreciate your patience over the matter. Rest assure we will address your concern and provide you with the right resolution as well.
If you are still experiencing this issue, simply reply to this email with screenshots of error messages or other relevant information that you think would help us solve and understand the issue, and we be happy to work on a resolution for you. If your issue has been resolved, no reply is needed.
Again Thank you for your patience during this time and for your continued support while we improve our service. '' [ *Case # : XXXX. ] I can not sell and recover my investment, which is valued right now at {$10000.00}, and they do not respond, there is no phone number to call and speak to a physical customer representative, and my funds are being held hostage as there is no way I can recover my money as long as they do not reinstate my back accounts.