davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ditech Financial LLC (WA)

This loan was initiated with a bank in XX/XX/XXXX, which then sold the loan to XXXX, which then sold the loan to XXXX XXXX XXXX, which then sold it to Green Tree Servicing LLC. This last transfer happened in the first fall-out of the mortgage-lending crunch/bad debts/people losing homes, etc. -- before all of the programs to help owners keep their homes. When I realized I could no longer keep the house, I tried to place it with rental management companies ( in XX/XX/XXXX ), but no possibilities there. I then tried through Green Tree Servicing LLC to have them take the house/loan back, but was told that since I had moved out of the house and out of the state and gone where rent was less expensive, that it was now 'rental ' property and did n't qualify for them to take the property over. I contacted a realtor that specialized in 'short sales ', but Green Tree Servicing LLC would not deal with this realtor, but instead sent the house for Sheriff Sale. The house originally was purchased by me for {$250000.00} in XX/XX/XXXX. After 4 years of my paying approximately $ 2,000/month, Green Tree Servicing LLC sold the house to itself for {$200000.00}. So, I lost the house, lost my credit standing, have been scrambling ever since to live, support my children and have them grow without the sword of Damocles forever overhead. In checking with one of the credit bureaus, I see Green Tree Servicing LLC making periodic, new adverse reports against me as if I keep defaulting on a debt. Is this even legal/legitimate?
Consumer complaint received 2022-05-25
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. (TX)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (AL)

We refinanced our home loan and received the same mortgage rate of XXXX and it cost us XXXX - we have tried to get someone at Mr Cooper to explain this for a month- but no one will help - I have even called the XXXX XXXX XXXX many times and he will not return my calls
Consumer complaint received 2022-02-10
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates account # XXXX was already proven to be illegitimate and deleted by all other credit reporting agencies except for experian. 15 U.S.C states that a thorough investigation must be conducted by the reporting agency and any and all misinformation or lack of verified information, must result in this account being deleted from my credit report. As also 15 U.S.C also states that credit reporting agencies have a obligation to accurate and fair credit reporting as I also have a LEGAL RIGHT to privacy and confidentiality.
Consumer complaint received 2022-05-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (OR)

University Accounting Service LLC incorrectly reported my paid-in-full student loan account as delinquent to credit reporting agencies, tanking my credit score by over XXXX points. They said this was a technical glitch, which makes me think this is happening to multiple people whose loans they service. They need to fix this technical glitch so they don't ruin people 's financial lives.
Consumer complaint received 2022-02-10
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IL)

I have several items that are reporting negative on my credit report in which I have done the following : 1 ) .JPMCB - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it 2 ) .XXXX XXXX XXXX- {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed 3 ) .XXXX XXXX - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
4 ) .XXXX XXXXXXXX - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
5 ) XXXX XXXX XXXX XXXX {$3200.00} - this is same comenity bank barneys for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.
Consumer complaint received 2022-04-19
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXXXXXX XXXX is reporting to Transunion, account number XXXX Closed, 60 days past due. 

XXXX XXXXXXXX XXXX  is reporting to XXXX, account number XXXX Paid, Closed, Never Late.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I fell victim to a multilayered operation orchestrated by a sophisticated con-artist named XXXX from the delivery company XXXX XXXX  ( the Scammer ) and lost XXXX USD of my hard-earned funds. I advised JP Morgan Chase Bank of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. I would like to say that I am a XXXX citizen vulnerable to scams, and the bank never took that into account. XXXXP Morgan Chase Bank had a duty to exercise reasonable professionalism, care, pay due to regards to the interest of their customers and follow good industry practices ( GIP ) to keep customers accounts safe. This includes identifying vulnerable consumers who may be particularly susceptible to scams and looking out for payments which might indicate the consumer is at risk of financial harm. 
Since XX/XX/XXXX, I have been attempting to resolve this matter with JP Morgan Chase Bank, but they have failed to settle this matter satisfactorily. I have been dealing with JP Morgan Chase Bank in good faith and am deeply disappointed in how they have handled this matter thus far. 

JP Morgan Chase Bank could have done more at the time of the payment to warn me of the risks of scams Taking steps to educate their customers about scams Taking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams Providing effective warnings to customers if the bank identifies a scam risk Taking extra steps to protect customers who might be vulnerable to scams Talking to customers about payments and even delaying or stopping payments where there are scam concerns Acting quickly when a scam is reported to it Taking steps to stop fraudsters from opening bank accounts Banks and other Payment Services Providers ( PSPs ) do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. In broad terms, the starting position at law is that a firm is expected to process payments and withdrawals that a customer authorises it to make, in accordance with the Payment Services Regulations and the terms and conditions of the customers account. 
But, where the consumer made the payment as a consequence of the actions of a fraudster, it may sometimes be fair and reasonable for the bank to reimburse the consumer even though they authorised the payment.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NY)

I have been attempting to get resolution for CFPB complaint XXXX. The company continues to dodge me calls. They will put me on hold and then leave the building. They will tell me they will call me back and then do not. The company has 15 days to respond to a CFPB complaint, for XXXX it has been well over that, almost 30 days. PNC still has not responded, nor will they field my phone calls. PNC falsely advertised to me and my joint account holder and they are attempting to cover it up, hoping I will drop it. It also seems they are lying to the CFPB.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

This company US Bank is calling me constantly on my phone about a debt and credit card that I never had. I have checked my credit report ( in case someone fraudulently opened the account ) and the account is not there. I have repeatedly explained to the company that this is not my debt. They called on Sunday, XXXX XXXX, 2022. I talked to them and explained that they had the wrong person. They called again on Wednesday, XXXX XXXX, 2022. They said it was a platinum visa ending in XXXX. I have never had a credit card issued through this bank.
Consumer complaint received 2022-05-25
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. (TX)

The Credit Bureaus stated XXXX XXXX XXXX Account # XXXX, was properly investigated but how can that be possible if the date last active is inaccurate, the date last reported is inaccurate, the date of last payment is inaccurate, the two year payment history is inaccurate, the payment status is inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I Haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-05-25
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. (GA)

In accordance with the Fair Credit Reporting Act DEPT OF EDXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX has violated my rights . 

15 USC 1681 SECTION 602 states I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-25
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-02-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION (CA)

On XX/XX/2022 I received a check for a job that I was supposed to start. The check was supposed to be used for materials I needed to start my XXXX XXXX from home. XXXX XXXX and associate with XXXX XXXX sent me a check for XXXX and instructed me to deposit it. I waited for the check to not be on pending status, he then instructed me that I was to buy gift card and send him pictures of the cards so he can send them to his distributors to but my computer and home office supplies. The next day on XXXX XXXX he told me that it wasnt enough money for everything so he sent me another check in the amount of XXXX. I deposited the check and waited for the check to get out of pending status and did as I was instructed and purchased more gift cards. I sent him pictures of the cards I had bought and he said he would send them in for my materials. On XXXX XXXX he then told me again that it still wasnt enough money so he sent me a check for XXXX and instructed me to deposit it again which I did. I was waiting for the third check to get out of pending status when the first check was charged back. I called the bank and told them what was happening. They informed me that they suspect that it was fraud and put a freeze on my account. That also informed me that it was a scam and the other two checks would be charged back as well. I informed XXXX XXXX about what happened. He told me it was just a miscommunication from banks and told me the issue would be resolved but it hasnt. My account will be overdrawn by XXXX once all the checks get charged back. All the funds I had in my bank for bills are now going to checks that are bad.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

I always make my payments early. Up until now, they were always immediately applied. Now, however, they have selected to apply my payment on a date in the future. There are only two options when you pay these people online. Now or principle but next payment due. They have had mine pending for weeks. 

I also need to talk to someone about how they tried to scam me in the beginning. Instead of letting me pay for a protection plan by itself, they insisted on incorporating it into the loan itself. Which if they turned out not want to honor it, I would have been stuck paying it anyway. A month after having a vehicle I learned that there was a problem they were trying to hide with it. And this was on a 2018. These people are scum.
Consumer complaint received 2022-02-09
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 — Problem with personal statement of dispute
Company: I.C. System, Inc. (MD)

This complaint is related to complaints XXXX, XXXX, & XXXX, the last of which was filed yesterday. This involved a single alleged debt of {$110.00} which I have disputed with the company and which the company before today had reported to the credit agencies 4 separate times. In response to yesterday 's complaint, the creditor responded : " This account has been closed and returned to the original creditor. We will request deletion from the credit reporting agencies. '' However, I have just received notification from XXXX that the debt has been reported a fifth time today. Please see attachment. I'm pretty sure duplicate reporting of a single debt is illegal but now we are up to five times. 
This involves a disputed debt wherein XXXX charged me for a phone line that I never requested and never used. The contract that I signed with the company did not contain a phone line and the company 's records will show that no calls were ever made or received. Yet XXXX refuses to refund all overcharges because of the company 's " policy ''. In addition, the company is charging me for weeks of services that I never used after I cancelled my service and returned all equipment, contrary to the terms of the contract that I signed.