davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

My loan was originally with XXXX XXXX They offered me a loan modification in late XXXX of XXXX. They sent me documents in XXXX of XXXX, but I also received notice that they sold my loan to Mr. Cooper/XXXX loan servicing. When I contacted Mr. Cooper in XXXX of XXXX they said they would honor the terms that XXXX XXXX offered me on the modification. Also stated that they haven't received the whole loan file yet, so they don't know what the terms are yet. On XX/XX/XXXX I email Mr. Cooper thru their portal advising them of my modification from freedom. They replied back with my dedicated specialist XXXX XXXX. On XX/XX/XXXX I received loan modification documents that were slightly different from the one from XXXX XXXX When I received the documents I tried to contact XXXX but we play phone tag and never got a hold of each other. On XX/XX/XXXX I sent an email in their portal following up on my modification and the difference between their mod and XXXX XXXX. Sometime in XXXX I sent them the loan modification documents that Mr. Cooper sent me via they XXXX envelope. On XX/XX/XXXX I sent a follow up email asking the status and just received a general response. Then On XX/XX/XXXX in the morning I sent another follow up email asking the status of my loan modification. Later on in the afternoon I logged back into the system and saw my loan modification was denied. In the afternoon on the XXXX I sent an email in the portal as to why I was denied. Around XX/XX/XXXX or XXXX I received a mail in the afternoon saying my loan modification was denied due to lack of executing agreement. On XX/XX/XXXX I called and spoke to a general representative and they told me my loan modification was denied because I didn't submit my trail payments. I told her that I was waiting on a response from them if the loan modification was approved. In the portal the status of the loan modification stated reviewing documents submitted. She stated she was going to place a ticket in with upper management to see if they can honor the original loan modification terms. On XX/XX/XXXX I called to speak to a supervisor directly. The supervisor stated that the reason for my loan denial was because the reduction wasn't sufficient to meet their criteria. Not really sure what that means, but I want the original loan modification that was offered. She stated that this wasn't an option and that more than likely my request would be denied. Then on XX/XX/XXXX I received a new loan modification package with non favorable terms, basically the loan modification is more than my original payment. Completely different from the original loan modification offered. I contacted the VA loan servicing department and they stated that my lender should honor the VA Refund loan modification that was offered. 

I have attached the following documents to this email.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Hello, I'm an XXXX  of XXXX XXXX company that XXXX XXXX from XXXX and XXXX to XXXX. 
I sent the payment from my account in XXXX payment system ( XXXX ) to XXXX XXXX XXXX  ( XXXX ) of XXXX  enterprise on XXXX XX/XX/2022, the payment is being stuck in corresspondent bank  CITIBANK N.A., swift code of bank XXXX. I have made a request for refunding, but the last message frim CITIBANK that the transaction was under review. This message dated XXXX XX/XX/2022. Since that CITIBANK hasn't given another respond on my issue to neither XXXX and XXXX. 

I contacted citibank by myself on XXXX XXXX, the operator of CITIBANK replied she couldn't help me, they handle issues made by sender 's bank only. 
But they haven't replied to XXXX since XXXX XX/XX/2022 P.S. XXXX uses a partner bank, it's XXXX Bank, they send the payment to XXXX and then XXXX sends to the recipient Attached is a response from Citibank to XXXX, a payment order from XXXX, and tracking from XXXX Bank ould you consider my request and if possible help to return the money to my account in XXXX, it's been a long time, i would like to get my funds back
Consumer complaint received 2022-06-21
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: BARCLAYS BANK DELAWARE (VA)

XXXX accordance with the Fair Credit Reporting XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, Barclay 's Bank Delaware XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States that 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 an account with out my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) States 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 ) 15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-06-21
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-06-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

Hello! I retained a paralegal company back in XXXX, the XXXX because I had 2 derogatory marks, both credit cards ( XXXX XXXX and chase ). They are both accounts that were open over 10 years ago and was closed over 7 years ago. I have been keeping up with my credit with all makor credit bureaus ( XXXX, XXXX, Equifax ) but the derogatory marks are still there. I believe I should have those removed from my credit report as it was a very long time ago ( and I was a child with no financial literacy haha ). I would love your help in getting those removed. Thank you!
Consumer complaint received 2017-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

My Mortgage was transferred to Seterus fromXXXX Mortgage in XX/XX/XXXX in XX/XX/XXXX we applied with Seterus for a loan modification because we could not afford our mortgage payments I was unemployed for XXXX years from XX/XX/XXXX-XX/XX/XXXX When we applied for our fist modification with Seterus. We submitted documents that were required every 30 days. We needed to update our documentations because our documents had expired. We made 3 months of trial payments and we thought that the modification would be permanent we did not receive any documentation for the new modification and after 9 months Seterus told me that I need to reapply and start the process all over again They did not know what happened to our paperwork. During this time, our mortgage was in a past due status and foreclosure proceeding continue. We receive court documents that our house was in foreclosure and we were served with papers from New York state courts. Principal and interest continued to be added to the account. This was going on when we thought we had been accepted for a modification.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (PA)

Equifax shows 2 inquires for XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX  XXXX on XX/XX/2022 XXXX
Consumer complaint received 2022-09-18
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. (DC)

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SD)

My loan was transferred from XXXX to XXXX back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the Covid relief back in 2020 at zero percent interest. Under the current law, my credit shouldn't be affected at all. XXXX keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.
Consumer complaint received 2022-08-19
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-19
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. (TX)

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

15 USC 1681 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 my written instructions.

15 USC 1666B : A creditor my not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (CA)

On XX/XX/2022, I signed up for an Albert account. After opening my account, I referred two individuals who proceeded to open accounts on XX/XX/2022 and XX/XX/2022. These two referrals were conducted under a promotion where both parties would receive a {$500.00} bonus after meeting basic terms such as establishing a direct deposit and making debit card transactions. While I did ultimately receive my own bonus for opening my own account on XX/XX/2022, I never received any bonuses for making the referrals I made after my account was opened. After realizing this, I reached out to Albert on XX/XX/2022 to advise them of this issue. They advised that these individuals did not use my referral link which is not accurate in nature.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that closing my paypal account is a mistake. 
I'm XXXX XXXX doing online freelancer with paypal since XX/XX/2022. My paypal account, XXXX has a stuck funds in it, amount XXXX XXXX, I wish my account be restore so that I can withdraw funds to pay bills. Thank you for helping. 

XXXX XXXX
Consumer complaint received 2022-05-20
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Consumer complaint received 2022-07-27
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 XXXX XXXX  # XXXX, XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX # 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.
Consumer complaint received 2022-06-21
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. (IN)

In accordance to the fair credit reporting act XXXX  account # 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 can not furnish a account without my written instructions.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Branch Messenger, Inc. (AZ)

The amount of {$3400.00} was deposited by the State of AZ XXXX  to my XXXX XXXX  These funds were partially spent from this deposit out my account, which left a final account balance of {$1200.00}. 
XXXX XXXX  closed my account down, then for some reason sent the amount of {$1200.00} to the State of AZ XXXX. This Missing check from 2 years ago that was never received, I am still having issue thats been going on for months with the AZ DEPARTMENT of XXXX and XXXXXXXX XXXX about a check that was mailed from XXXX XXXX from my account being closed. They have no information on the a last check that was sent. I need more information on this check as it was never received back into my account. Never mailed to me. As the check did get mailed to AZ XXXX I have been having problems for 2 years about a check that was issued to them to me due to my bank account being shut down. How can I get this check mailed to ME? The AZ XXXX and XXXX has been giving me the run around for two years now going on three.
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

XX/XX/2022, Macy's/CBNA I've never signed up for an account from this company, I've even got in contact with the company, and they stated I do not have an account with them.
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC. (FL)

XX/XX/XXXX, {$900.00} AFNI , INC . 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX I've visited the website, but I've never signed up for these accounts.
Consumer complaint received 2022-08-19
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. (CA)

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : ... XXXX XXXX XXXX Account no. XXXX, XXXX Account no. XXXX, XXXXXXXX XXXX  Account no. XXXX, XXXX XXXX  XXXXXXXX XXXX Account no. XXXX, XXXX Account XXXX. XXXX ... ... ..,, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am resending this to XXXX as they asked me to refile it with my information and email on file through there sister company.My name is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/68 and my email on file is XXXX, I purchased a vehicle through XXXX and a hour after purchasing it all the lights came upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the hospital.My sister reached out to XXXX and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX XXXX XXXX XXXX  have committed.. I also have another contract with different dates, updated and emails and calls between XXXX XXXX and myself
Consumer complaint received 2022-06-21
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. (NC)

in accordance with the Fair Credit Reporting act XXXX Account # 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. 

I submitted 15 disputes in 12 months to the credit bureau that my name was incorrect, the accounts were paid and not updated as well as additional inquiries showing on my account after I sent a police report that my information was used fraudulently. 

My name is XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX, NC XXXX. My social security number is XXXX. 

The incorrect information on my credit file is the following : XXXX XXXX XXXX XXXX XXXX The incorrect addresses on my credit file is the following : XXXX XXXX XXXX XXXX, NC XXXX Incorrect info on my file : XXXX XXXX XXXX  : XXXX Account was paid in full and should be removed XXXX XXXX XXXX XXXX XXXX : XXXX Account paid in full and should be removed. My child is XXXX XXXX XXXX and case closed when he XXXX  XXXX XXXX. 

Inquiries that are unauthorized, please remove : XXXX XXXX XXXXXX/XX/2020 I did not authorize them access to my credit file XXXX XXXX  XXXX XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 I did not authorize them access to my credit file. 

XXXX XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (FL)

XXXX by Goldman Sachs GM card - made promotional offer which required one purchase by XX/XX/XXXX, and in return I would receive a {$50.00} credit on my credit card. The purchase was made on XX/XX/XXXX. I have called customer service 6 times since XXXX. After the third call, I started documenting date of the call and person to whom I spoke. On XX/XX/XXXX I spoke with XXXX ... he said he was escalating and gave me a ticket number XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with GM Rewards. XXXX said it should be resolved within 7 business days. On XX/XX/XXXX I spoke with XXXX who told me the same thing, and that she was escalating the complaint. On XX/XX/XXXX I spoke with XXXX at GM Rewards, and again told me the issue is still pending. When I pressed about the length of time ( 5 months! ), she stated that the XXXX statement was not processed correctly, and that they were waiting for " corporate office '' to enter the {$50.00} credit. 

After 5 months, it is obvious that XXXX by Goldman Sachs GM card and/or GM Rewards are failing to honor the promotion offer. I hope you can assist me obtain the {$50.00} credit they offered.