davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Revenue, Inc. (MD)

On XX/XX/XXXX I disputed an alleged debt in writing to Eastern Revenue , Inc ( ERI ) a debt collection agency operating in the state of Pennsylvania. At the time I advised ERI that they had contacted me by mail through correspondence dated XX/XX/XXXX. Due to USPS delays I did not receive the letter until XX/XX/XXXX. The correspondence from ERI identified the alleged debt as XXXX XXXX XXXXXXXX and alleged that {$3000.00} was owed in addition to a collection fee of {$890.00} bringing the total due to {$3800.00}. Per the Fair Debt Collection Practice Act I disputed the debt and requested validation. I mailed the dispute via certified mail return receipt and requested that ERI treat the debt as being in dispute. In reply to my validation request I received correspondence from ERI dated XX/XX/XXXX. The correspondence identified the alleged debt as XXXX XXXX XXXX. Upon careful review of the documentation I noted an amount of {$620.00} for " CA XXXX  fee '' as being in dispute due to the items being returned. In addition, I noted that ERI failed to provide a determination of the collection fee assessed as it appeared to be percentage based. I requested an explanation of the percentage based fee and how it was calculated. In order to make sure that I was not put at any disadvantage I again requested that ERI treat the debt as being in dispute under the Fair Debt Collection Practices Act. This information was placed in a letter to ERI dated XX/XX/XXXX and mailed via certified mail return receipt. Based upon the return receipt it appears that ERI received this letter on or around XX/XX/XXXX. However, instead of treating the alleged debt as in dispute and providing the requested information in the XX/XX/XXXX letter ERI has continued to place sporadic and repeated telephone calls in the collection of this debt. The most recent contact was on XX/XX/XXXX. In addition, the alleged debt is being reporting negatively on my XXXX  credit report.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX has been discriminating against me. XXXX XXXX XXXX XXXX has inaccurate information about my credit and credit report. That has caused the company to deny me for their products and benefits. This is defamation of my character For several years they have been using this information against me as a consumer so they could charge me higher interest rates and make more money off of me. I am well aware that my credit reports are good. This issue is not one with the credit bureaus, the information is stored on XXXX XXXX 's App and not one of the 3 bureaus report this to them. They refuse to update the credit info they have. XXXX XXXX  has tried to push this off on the bureaus.I asked them to check my credit. XXXX XXXX has lied to me for years i know my credit status. I have spoken with supervisors in regards to this and they did not provide me with a good answer. I have been discriminated against enough this not the way to have a good financial relationship. Companies as well as credit reporting agencies are required by law to keep accurate information. This is not acceptable. I qualify just like my caucasian peers do. I want all of my accounts to be adjusted accordingly.
Consumer complaint received 2018-04-06
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: U.S. BANCORP (CA)

In XX/XX/XXXX, XXXX XXXX XXXX reported that my account was late. In XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (AR)

I am making a complaint against Equifax Data Breach Settlement Administrator, which payments were to come this fall, now they are denying my claim.There was an email that generated to me on XXXX XXXX about incomplete my claim being incomplete the documentation had be to be submitted before XXXX XXXX, which they were submitted XXXX XXXX before the deadline of XXXXXXXX XXXX.Checking my status on my claim here recently they denying my claim because of I did not send the traceable documentations, which is false statements.I sent in the amount for the claim up too the amount that was specified for my claim to be paid.Which I have to claims with Equifax Data Settlement Administrator which all the information was sent in that was traceable on XXXX XXXXEquifax Data Settlement Administrator has never sent me a notice that the information was not acceptable, but was accepted and there was an email generated that my documentations has been received before the deadline of XXXX XXXX of my claims shall not be denied.Equifax Data Breach Settlement was the one who chose the claim number that was chosen to send the information too.All information shall be combined that was sent in be combined with the other claim that has not yet been denied.The first claim I filed was XXXX XXXX, why did the Equifax Data Breach Settlement Administrator chose the claim filed on XXXX XXXX is way beyond my control.My claim shall not be denied due to the respect that the information was sent in on time and shall be combined with the other claim that is still under review,
Consumer complaint received 2018-09-13
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. (FL)

I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX = {$2100.00} - XXXX XXXX XXXX XXXX = ( Closed ) - XXXX XXXX XXXX XXXX ( Closed ) - XXXX XXXX XXXX = {$130.00} I also have some hard inquiries on my credit report that I did not authorize as well : XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XXXX XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX XXXX Credit Card and Citi Cards/Citibank both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to two delinquencies within the last three months, XXXX XXXX & Citi Cards Citibank. 

XXXX XXXX & Citi Cards Citibank Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have a previous issue with XXXX XXXX, XXXX, and Equifax. There has been several issues with this account. XXXX does not own this account I have contact the corporate office of accounts, there was no account found to update. Somewhere there is a disconnect in information and communication. I am failing to understand how there can be an updated on an account when XXXX is claiming they do not have the account in their office. I do not believe that XXXX XXXX, XXXX  and Equifax have actually done any type of simple or detail investigation. I have asked to have the status deleted from my profile deleted not updated with a bogus balance adjustment. This account need to be deleted until further noticed and proper noticed can be account for.
Consumer complaint received 2022-09-19
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: GOLDMAN SACHS BANK USA (CA)

My name is XXXX XXXX and I am writing this complaint myself against Goldman Sachs. 

On XX/XX/XXXX Goldman Sachs was asked to Validate a Debt pursuant to FDCPA 15 US Code 1692 via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX. In this They chose to remain silent and did not validate my request so I sent them a Notice of Default on XX/XX/XXXX via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX. In both notices I asked them to stop all collection attempts via phone or electronic. Since that notice received by them I have received phone calls every day from their customer support center in regards to my bill. Per 15 USC 1692d ( 5 ), a debt collector may not cause the phone to repetitively wring and 1692c ( c ) a debt collector may not contact you after you have asked them not in writing, Goldman Sachs has broken the law and is liable to XXXX worth of damages per 15 USC 1692k for calling XXXX XXXX repetitively. 

Goldman Sachs has also broken other laws according to the Fair Debt Collections Practices Act. 

All of this is documented in the attachment.
Consumer complaint received 2018-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

I am extremely frustrated. 

We closed on our home in XX/XX/2018. 

We successfully " re-cast '' the loan with loanDepot in mid to late XX/XX/2018. 

But since then, the company has failed to process our XX/XX/XXXX and XX/XX/XXXX payments correctly. The monies are sitting " suspended ''. 

And we have received three letters indicating that we are delinquent. The company has threatened us with late fees and with a negative credit report. 

As the loan history clearly indicates : our payments were made in full and on time. It is absolutely absurd for them to claim that there was any error on our part. 

Since my receipt of the first delinquent notice, I have made more than five phone calls to the Customer Service Department. Each time, I am advised that the company is aware of the problem. They tell me not to worry. All I need to do is call back in 48 hours and they will confirm that the problem is resolved. But it is now one month later. And the problem still has not been resolved. And I continue to receive incorrect delinquent notices.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

Hello, my name is XXXX XXXX and I received a Chase bank debit card in the mail on XX/XX/21 under my maiden name XXXX XXXX. I reached out directly to Chase bank and advised them that I never opened this account and also that I haven't used my maiden name in over 14 years. Per the Chase bank representative there has been activity on the account. I was also advised that they would be place a hold on the account as they work to close it out. I was provided with claim # XXXX.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

It seems Ally Financial is not listening to me. My car payments are current according to the XXXX XXXX report it says that my XXXX payment is late and my account is not current. This is affecting my credit score. Please address this matter. I have attached a XXXX  XXXX   report to this dispute.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that this information be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission. Please delete the items as soon as possible. 

The following personal information is incorrect : Name : XXXX XXXX, Also Known As : XXXX XXXX, Also Known As : XXXX, XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (MD)

Loan Depot contacted me after I sought mortgage refinancing options and was looking for a lender to compare rates. They began with a very user friendly interface and took all of my required documentation. Now over two months later, they either ignore requests for updates or offer explanations that don't make sense. I've spoken with managers and it does not resolve the problem. I have a strong credit score, provided all necessary documentation, and have been told the loan was approved. I am legitimately concerned that Loan Depot is a scam and has simply stolen my financial information. 

This process began XX/XX/2020. The locked rate period has expired and I still have no information from Loan Depot about when the refinancing loan will close. I have chosen to take my business elsewhere but I am concerned about identity theft by Loan Depot. Regrettably, I did not find similar complaints about Loan Depot when I began the process.
Consumer complaint received 2020-01-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pacific Retrieval LLC (CA)

They have contacted us multiple times in the past about taking legal action, the most recent was a letter sent from XX/XX/ 2019. Theyre asking for {$2100.00} for a vehicle we no longer own and have threatened my family by stating they will sue.
Consumer complaint received 2020-01-22
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: Lending Club Corp (CA)

I filed for Chapter XXXX and was Discharged however, my credit score recently dropped due to Lending Club Corp, XXXX XXXX, XXXX  XXXX XXXX, XXXX still reporting on my credit file.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2018-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2017 i purchased a queen size mattress from XXXX XXXX located at XXXX XXXX XXXX in XXXX NC. At that time i was sold the mattress on a XXXX XXXX credit card by a representative named XXXX. We were told therd was no interest for 6 years as long as payments were made each month. No minimum due and we werd never given any form of terms of agreement for the credit issued by XXXX XXXX. All payments were made on time as we waited to receive our bill each month to schedule payment. Conveniently enough for XXXX XXXX one month our statement never arrived and we began being penalized with late fees and were informed that that we were gking to be charged 30 % interest which would also be retroactivated. Instead of risking damaging my credit and paying 30 % interest on a purchase we were told would be interest free for 6 years we paid off the entire amount at a financial hardship to us so we wouldn't have to deal with these con artist crooks anymore. They also sent us threatening letterd AFTER we had paid the entire balance of the mattress. Disgusting.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax is reporting incorrectly paid collections on the following items, with partial account number XXXX and XXXX. ( Please see page 8 of the attached credit report. ) These medical collection were paid to the agency with the agreement that the collections would be removed from my credit report. XXXX and XXXX   have removed them, but Equifax continues to report these collections even after I contacted the bureau. This inaccurate reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2018-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

Formatted phone couldn't access account Accidentally click locked thinking it was unlock by text " Account is disabled '' please contact support Submitted ticket XX/XX/18 and made calls almost throughout the months No resolution or care about issue No response to e-mails always get same response " specialist or escalated ticket '' They have my all money tied up so I'll taking losses as it goes since its cyptocurrency I am unable to close account, move funds, or transfer to new account I did nothing wrong, illegal, or unauthorized access to be investigated for this LONG Offer to provide ID, SSN, ALL transactions, and whatever info they need to PROVE
Consumer complaint received 2023-03-05
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. (OH)

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) States : 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 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

XXXX XXXX XXXX # XXXX, Failed to inform me 15 days before i was to pay the new company of them selling my loan, it is now the 2nd i have not heard from sterns or the new company and i have no idea who i am supposed to pay as XXXX keeps hanging up on me. I can only assume at this point they are giving me the house for free or are illegally trying to take it out from under me by making it impossible to pay.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX - card was charged for {$XXXX} from an unauthorized transaction, I notified Citibank and a hold and fraud claim was made on my account XX/XX/XXXX - Contacted XXXX and they emailed me replying that this was not me XXXX - Emailed dispute letter along with police report from XXXX XX/XX/XXXX - XXXX emailed me saying it was " XXXX who purchased XXXX iPads at {$XXXX} '' I AM NOT XXXX XX/XX/XXXX- Citibank sent a letter in the mail requesting more information and I emailed it back XX/XX/XXXX asking for what exactly was purchased and what did the original merchant say regarding the charge XXXX - Citibank sent another letter in the mail requesting the exact information again because they said they never received it. 

XXXX - I went to a citibank branch location because they were not getting any of my emails or fax 's so I gave them all my information to internally fax since it is " easier '' XX/XX/XXXX - Still no update from Citibank employee, it is still up to XXXX days Each phone call from Citibank has not been helpful. They are telling me that it can take up to XXXX days for the fraud to be resolved. I have given all the information they have asked for. I did no make this unauthorized purchase and every person and manger has not helped in any way. They have not provided me any provisional credit or resolve the dispute within the initial XXXX business days according to Regulation XXXX.