davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-27
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)

On XX/XX/2021, I sent the credit reporting agencies and XXXX XXXX letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.There is False bankruptcy information showing on my report which is inaccurate. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Specified Credit Association, Inc. (TN)

CONTACTED SPECIFIED CREDIT XXXX ABOUT A DEBT THAT IS NOT MINES AND THAT I HAVE SPOKEN WITH THE GYM ABOUT WHO IS SUPPOSE TO FIX IT WHEN TELLING THEM THIS ISN'T MY DEBT WHICH I HAD TILL XX/XX/XXXX TO DO THE REPRESENTATIVE BECAME VERY UNHELPFUL PUT XXXX WHO IS THE ONLY SUPERVISOR ACCORDING TO THEM OTP WHO USED NOT GOOD LANGUAGE TOLD ME SHE WOULD VALIDATE THE DEBT WHICH IT IS NOT MY DEBT AND IS INCORRECT SHE TOLD ME TO NOT CALL THEM BACK EVER AND THAT THEY WOULD BE VERIFY THE DEBT. THERE CALLS SHOULD BE RECORDED TO VERIFY WHAT I AM SAYING ACTUALLY HAPPENED AND NOW I AM TRYING TO CALL BACK THEY WONT ANSWER OR PLACE ME ON HOLD BECAUSE SHE IS THE SUPERVISOR ON DUTY UNTIL XXXX COMES BACK WHO I AM TRYING TO ALSO REACH OUT TOO.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2020 a flight using Chase Sapphire XXXX rewards was canceled by the airline. In XX/XX/2020 I called to ask for a refund. After almost 90 mins on the call and it being escalated to a supervisor I was confirm that the refund of points would take place in roughly 30 mins and the credit portion refunded in 48-72 hours. The commitment was never kept. Over the last two months I have called multiple times, filed multiple complaints and escalations including a review of the voice recording of our original call. Confirming I was promised a quick refund by the supervisor. I was advised if this was confirmed they would honor that commitment to be just later told, after confirming that it was a mistake and they cant honor it. Even though the original deadline has not been honor the worst case was to expect a refund in roughly 8-12 weeks, it has now been 14 weeks and no communication from Chase and no refund. Chase is holding roughly {$1300.00} of my money hostage for over 3 months at this point. During these hard times {$1300.00} goes a long way as well as I feel they are responsible for the fraud and lies promised on the first call captured on a recorded line. Overall I have spent over 5 hours trying to resolve this issue. Thank you.
Consumer complaint received 2021-02-06
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. (CA)

Hello, I have spoken to Governor XXXX XXXX XXXX office which confirmed that per the XXXX website, all Californian 's are under the protection against negative credit reporting and lists my bank, CitiGroup ( Citibank ) as an institution that acknowledges this ordinance. However, Citibank has reported 5 of my accounts negatively throughout XXXX. 
1 ) I have 2 citi credit cards reported as 30 days late in XXXX, XXXX XXXX of XXXX. Citi is aware that I had called 3 times in XXXX to request a covid deferment and they replied that no such program was available. My 3rd call is logged as XX/XX/XXXX wnere no program was avaialble. They launched a program on XX/XX/XXXX after my account was posted late and even after being enrolled in a covid deferment, my 2 cards were reported as late. 

2 ) My 3rd Citi card is reported as late XXXX XXXX and then reported charged off. They would not enroll this card without first requiring it be current after I explained that I was impacted by covid as early as XX/XX/XXXX. 

3 ) My 4th card, Best Buy, backed by CitiGroup, was reported as " Closed by issuer, Never late '' which has a substantial negative impact to credit. There was no reason for this card to have otherwise closed. 

I have made several calls into Citibank. I have reached out to the Executive Response Team and I have not received a resolution. The Governor 's office has requested that I followup with the outcome of this as we believe this to be a wide spread concern against the credit protection ordinance. 

I appreciate your help. 
XXXX XXXX XXXX XXXX cc. attachments and screen prints available.
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX at XXXX I returned a call to an attorney named XXXX at XXXX and he stated he was being hired by a company called XXXX alleging they own Citii Bank and that they were trying to get ahold of me about a Vehicle repossession from XXXX. I informed him of the Texas Statute of Limitations on a car loan is 4 years and he said they will go after me for fraud instead. Then he ( XXXX ) informed me that they have gained permission from a federal court to freeze my bank account in 72 hours if I don't comply and told me even after everything is done I wouldn't be able to get another bank account for min 6 months and up to 2 years. I consulted my attorney and he said they are trying to bully me into paying a 12 year old debt and to report them.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

EquiFax 's Company Response to my complaint : " In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' 1 ) I have not received a copy of my Annual Credit Report in the mail as promised. 

2 ) They are claiming that they do not have copies of my ID in order to provide my Credit Reports and respond to Disputes. I have sent it multiple times with each communication to them. 

3 ) I need to be able to get copies of my Annual Credit Reports and Covid-19 Weekly Reports on-line, which I am currently unable to do on XXXX. 

They need to fix the 3 questions that they ask in order for me to access my Credit Reports. It is currently set up to ask me 3 questions, which all have to be answered with " None of the Above ''. When all 3 questions do not have an actual answer, it doesn't let you get your reports. 

EquiFax has all of my personal information available to them, so there is no excuse why they can not find at least one question that they can provide, that I can actually answer with the answer choices provided, in order therefore get a copy of my Credit Report on-line. 

I need them to fix this At Once.
Consumer complaint received 2016-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a CitiGold checking account after receiving an offer for XXXX XXXX miles if I met the requirements for sign up. After opening the account, I messaged citi on XXXX/XXXX/16 asking if I had met all the requirements for the offer. A representative responded on XXXX/XXXX/16 ( message ID : XXXX ) confirming I had met the requirements and would receive the XXXX miles within 90 days. After 120 days and still no miles, I sent another message to Citi. They responded saying I was not eligible for the offer and that I would not receive any miles.
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

Hi We got sold into XXXX subprime mortgage marketing and we got stuck with the mortgage. Our current mortgage got sold into a trust serviced by BSI. I recently lost my job and BSI threaten to foreclose and kick my ( primary ) family out of the house. We asked for loan modification and we got the worst deal ever. Our rate went higher before, the monthly payment more than before and the term of the loan went from 30 to 40 years. Moreover, BSI filed the foreclosure and we are incurring lawyer 's fee. We have requested to work out a forbearance for 3 months until I can land on my feet. BSI refused and want to proceed with the foreclosure. We are desperately in need for help!
Consumer complaint received 2021-02-05
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. (SC)

I sent XXXX  and Equifax an envelope containing my dispute letters on XXXX. The tracking number website confirmed both received the letters on XXXX. I called and spoke with a representative on XXXX and on XXXX. The representative kept telling me they were working on my request. I never did not receive a response from neither company. It has been 4 months now. I called XXXX  on XXXX and spoke with the Manager by the name of XXXX XXXX ( if that is his real name ) and he told me that I did not send them a dispute whatsoever. He lied about me sending them a dispute letter and he did not help me. However, XXXX  received the dispute letter on XXXX and they removed all the incorrect inquiry information for me with no problems.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

During the XXXX XXXX of XXXX, I suffered great losses on a number of my rental properties, due to non-paying tenants. I had to declare bankruptcy. I filed, Chapter XXXX. I was able to re-organized all my debts with the exception of my primary home. The mortgage holder at the time was, XXXX XXXX XXXX. They adamantly refused to negotiate, ultimately filing for foreclosure. 

In XX/XX/XXXX, I refinanced four investment properties with XXXX XXXX, with an interest rate of 10.75 %. Although I was aware that this rate is excessive ; I had to do this as an emergency, to cash out funds, to save my primary residence, which was about to be foreclosed upon. The closings took place on XX/XX/XXXX. Immediately upon closing, the mortgages were sold to MR. Cooper. 
As per the Mortgage Note, my first monthly payment was due, XX/XX/XXXX, with a grace period of 12 days. See attached Mortgage notes. I sent my first payment to MR. Cooper on XX/XX/XXXX. The checks were cashed between XX/XX/XXXX and XXXX. See attached copies of cancelled checks. 

The end of XXXX, I received a call from a representative of Mr. Cooper, claiming that, three of my loans were past due. I told the representative that all loans were up to date, my first payment was due XX/XX/XXXX. According to the, representative, my first payment was due XX/XX/XXXX, I referred him to the Mortgage XXXX, which clearly states XXXX, XXXX. Over the ensuing months, Mr. Cooper continued to fail to apply payment to three accounts, despite cashing all checks ; all while, still making harassing phone calls, demanding payments. In XXXX of XXXX, I faxed copies of cancelled checks to Mr. Cooper, however the phone calls did not stop. 
As of this date, I have not received my 1098 statement from Mr. Cooper,. for the follwing accounts : 1.- XXXX XXXX XXXX XXXX Loan XXXX XXXX 2.- XXXX XXXX XXXX XXXX Loan # XXXX 3.- XXXX XXXX XXXX XXXX Loan # XXXX Im asking for your assistance in solving this problem. Looking forward to hearing from you, I remain. 
Thank you, XXXX XXXX
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I haven't received my replacement money order from moneygram since XX/XX/1922 it's been 3 months my number is XXXX serial number XXXX amount XXXX date XXXX XXXX XXXX
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (MD)

I have been contacting Supreme Lending to receive my loan estimate but they have not obliged this request and are now actively avoiding my calls. I originally applied with Supreme Lending in XX/XX/XXXX of XXXX and to this day, XX/XX/XXXX, I have not received a loan estimate. I have submitted all requested documents, but was lied to and told that I can not get a loan estimate until I committed to have them the lender for my loan. I have a hard inquiry on my credit due to Supreme Lending forming my application, so without at least an estimate this would be for nothing. Federal regulation stipulates that " Consumer must receive the loan estimate within three days of receiving : The applicant 's name, SSN, applicant 's income, the property address, and the loan amount. All lenders are required to use the same standard Loan Estimate form ''. I was repeatedly lied to and told that I needed a ratified contract in order to get the loan estimate and once supplied I was told that I need to select them as my lender.
Consumer complaint received 2021-02-05
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: Flagstar Bank, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Flagstar Bank and XXXX XXXX. The Account Opened is Flagstar Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580000.00}. The Account Opened is Flagstar Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

I have been a customer on Coinbase for years. I tried to log on XX/XX/XXXX. My portfolio, linked bank account, tax information. Everything has disappeared. I have called 3 times. Emailed and opened 3 cases over the last 2 months. Have posted on XXXX. All with no response. I am missing in total over an excess of {$20000.00}. I have all the emails of my purchases in the past with reference numbers for the purchases and I have my bank account statements with the withdrawal statements on them. No access to my money and no customer service to talk to.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by XXXX charged on XX/XX/2015. They contacted me after I clicked an ad for a " work from home '' business opportunity from an email. They offered me leads, advertising, increase traffic to my website resulting in sales. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.
Consumer complaint received 2015-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC (NY)

I keep getting calls from Bay Area Credit to collect on a debt that does not exist. My only existing debt is my student loan debt which is handled by XXXX XXXX. Bay Area first repeatedly called my parents ' house back in XXXX 2015 -- where I do not live -- attempting to collect personal information about me. My mother told them she would report them and they stopped calling my parents. Somehow, they obtained my cell phone number ; their first call to me was on XXXX XXXX, 2015 ( XXXX, no messages ). Since then, they call during my work day. They have only ever left a voicemail XXXX, and they sounded suspicious. Sometimes they call every day, sometimes they call maybe once or twice per week. I 've contacted XXXX ID ( a credit monitoring service -- set up after the XXXX cyber attack ) regarding the calls, and they told me this is likely a phishing scam and to ignore the calls from Bay Area. I followed their advice to ignore their calls, but they are really annoying. I am on the Do Not Call registry. Please make this stop.
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (CA)

This complaint is about Synchrony Bank DBA PayPal Credit. This is the " line of credit you esteblish when you open a PayPal account. I have had a PayPal account since XXXX, and have ALWAYS made either payments on time or paid off the full amount each month. I recently ( around the middle of XXXX XXXX requested AND RECEIVED a credit line increase to {$4000.00}. At the end of XXXX, i had a security issue with one of the cards attached to paypal credit ( nothing to do with paypal ) and i deleted that card. I also paid XXXX of my account off with the XXXX payment and had intended to pay it off in XXXX. When i was doing my taxes, i tried to use paypal to pay intuit. got an error message. when i logged into PayPal credit, i fund that my account had been closed!!! no notice! I called and talked to the customer rep ( who could do nothing except quote company policy ) and actually talked to some " account " rep at Synchrony bank whio said the same thing ... company policy. Today ( XX/XX/XXXX ) i get a letter XXXX dated XX/XX/XXXX ) that gives this reason. " activity on account with Synchrony Bank indicative of high risk of failure to pay ''.!!!!!!!
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. 

FCRA violations : payments not late XXXX XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Open. {$120.00} past due
Consumer complaint received 2022-07-28
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. (PA)

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc. (CA)

Receiving a debt collector letter for over XXXX from a XXXX  but I have never gotten any account threw this vendor I am a retired resident and I don't know what this charges are for ever time I call the debt collector office they never an answer and they have my name wrong but they have my address. Please help me