davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (MD)

I was using  XXXX  for the first time to secure an apartment for a family vacation to  XXXX . I found a great-looking apartment and emailed with the " owner '' through the  XXXX  website. I asked a lot of questions and she answered them -- lots of back and forth emails re : neighborhood, smoking/nonsmoking, pets, etc.   She requested that I send the full balance for the apartment via wire transfer to secure the apartment for the selected dates. Because I had never used  XXXX  before, I did n't know that this was n't the normal protocol. I received a formal confirmation email from "  XXXX  '' that looked totally legitimate -- logo, confirmation number, etc. I wired the money -- including a security deposit that I was told I 'd get back if everything was in good shape when I departed. The total was {$1400.00}. The week before my trip, I emailed the " owner '' requesting the address and inquiring how to get the key. When I sent off this email, I realized that I must have been duped. I contacted  XXXX . They told me to contact my bank. My bank required me to go in in person and then told me that there was nothing they could do for me -- that I should contact local police. I have NO idea what m y local county po lice could do about international wire transfer fraud, so I am submitting this complaint/claim through CFPB in hopes that there is some recourse that I can pursue with the bank to which I made the wire transfer. Thank you for your assistance.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (GA)

I am making a dispute against  XXXX   XXXX  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices AC T, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION mad e pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This  action constitute fraud under bo th Federal and State Laws.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Aqua Finance, Inc. (FL)

XXXX   XXXX  installed an air condition system in my home. I paid {$700.00} to fix installation errors out of my own pocket. I was paying {$100.00} as I understood would be my payment. Now this  Corporation  says my interest rate went from 5.6 % to 13.99 %. I 'm a  XXXX  Veteran with Service connected  XXXX   XXXX   XXXX   XXXX  which I told them. I called them and asked them tom help me. They said I was  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Please help me.
Consumer complaint received 2017-04-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IL)

X/XX/XX  - Submitted a request to Myloancare.com to remove my PMI as soon as the payment I just mailed arrived. The check would put me over the 20 % equity in the house, I have consistently paid on time, since I 've purchased the house. And it 's been longer than 5 years since I owned the house, as a principal single household residence.     On  X/X/XX   XXXX  XXXX  XXXX  responded with, " Our records indicate that your loan was originated on  XX/XX/XXXX . In order for your mortgage insurance to be removed you will have to pay ( MIP ) for at least 5 years and the LTV will have to reach 78 % on a 30 year FHA funded loan per the FHA guidelines. FHA does not allow appraisals or additional principal payments to remove MIP early on 30 year FHA loans. At this time, your loan has not met these requirements '' On  XXXX , I responded w/ the Homeowner 's Protection Act and how I have met all the qualifications needed to cancel the PMI. I sent them the link and specific quotations to verify my request. Their auto response suggest giving the m 5  business days ... .. X/XX  and  XXXX  I have followed up replying to the e-mail chain, requesting that the PMI be cancelled and submitting the backup and ticket number provided with the original request. Today,  X/XX/XX , is the end of the 6th business day since my last request and in my last message, I had let them know that my next step is contacting the  Consumer Protection Agency of the issue.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I have a  XXXX   XXXX   XXXX  credit card that was being reported to all 3 credit bureaus since its opening in   XXXX  , suddenly my positive credit card payments and account were removed from Equifax about 8 months ago. Nothing is reflecting on my Equifax credit report but is showing up on  XXXX  and  XXXX .I have contacted   XXXX   (  XXXX   XXXX   XXXX  and Equifax numerous time and the credit card assures me they are reporting correctly However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my  XXXX   XXXX  is even asking them to do.   I have a valid, pays as agreed account that the credit card issuer says should be reported to Equifax as it being done with the other two bureaus and Equifax is refusing to do so, even with submitted written documentation ; no one ever authorized any change.   I need help badly with getting Equifax to understand.
Consumer complaint received 2022-08-05
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX, XXXX Account # 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 2017-04-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HONOR FINANCE, LLC (AZ)

I got a vehicle loan in  XXXX    XXXX   and recently I contact them to let them know that I was in the process of filing bankruptcy, that I am attorney represented and I provided my attorney contact information to my lender on Monday  XXXX   XXXX . Today is  XXXX   XXXX  and my lender has continued to call me despite me telling them I am represented and they need to direct all questions to my attorney. They have contacted me on the following dates and times ( usually leaving a voicemail every time ) Tuesday  XXXX   XXXX   XXXX    XXXX   XXXX   ( we spoke  for 8  minutes, where I again advised them I am attorney represented, and they told me that until my case is filed they will continue calling )  XXXX   XXXX  They called at  XXXX    XXXX   XXXX  , left a message.    XXXX   XXXX  they called at  XXXX    XXXX   XXXX  , left another message- I called them back and again advised them I am attorney represented.     I called my attorney and let them know about the calls- they advised me to log every call I get and we can potentially sue them. They are committing unfair debt collection practices and violating the Fair debt collection practices act.
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (IN)

XXXX   IS BLOCKING ALL CREDIT FURNISHERS FROM REPORTING ON MY   XXXX   CREDIT REPORTS.    BARKLEY NE EDS TO CONTACT   XXXX    REPRESENTATIVE TO FURNISH WRITTEN EXPLAINATION FOR THIS DODD-FRANK ACT.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NV)

They are stealing from my usbank focus card so i had to cancel first one now they are doing theft against me on the new card I got in the mail. They are torturing me and others and they are XXXX XXXX that i have the cure for. 
XXXX XXXX in XXXX XXXX XXXX - https : XXXX
Consumer complaint received 2020-10-07
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)

My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Consumer complaint received 2017-04-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I had a   XXXX   account where I bought and sold items, paypal was my creditor in which money was debited and credited with ALL transactions made. ebay closed my account with no explanation and being closed, paypal withdraw all funds in my account of approx.  XXXX . Both  XXXX  and paypal started contacting customers I had without my knowledge and issuing them refunds for items already bought and paid for for over 6 months.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

On    XXXX   XXXX     2017  my bank,  Citibank  without my knowledge, placed a " fraud hold " on my account. They claimed that a check I deposited from my roomate, was made out to my last name  XXXX   XXXX . My name is    XXXX   XXXX   XXXX   .    Despite the fact that this same name had been written on the monthly checks on last few months.   To date these funds are still on hold despite numerous hours of phone calls to customer service, and the branch mangers in the  XXXX  office.   I have a copy of the paid check from my roomate so we know that  XXXX  paid the check on  XXXX   XXXX  to Citibank. On  XXXX   XXXX  my funds were to be release to me. They were still on hold. I was instructed by  XXXX  a supervisor number  XXXX  on   XXXX   XXXX   to bring a copy of this paid check to branch to clear the issues. This was the second time I had brought this copy to the bank.    XXXX   XXXX  the branch  manager had  called the fraud dept and she called to tell me that the funds would be available at midite the  XXXX .   It 's now  XXXX   XXXX  and my funds are still being held This is my household account and I have been forced to exhaust my business account at my other bank to pay for things like groceries, gas and our water bill, insurance.   Today I found out after finally speaking to the fraud dept that they released the hold on  XXXX   XXXX . They claim now that another check that was written to me for {$4000.00} was st ill n pa rtial hold. This also is an error if it is indeed true. You see the branch manager called to check that the funds had been paid on this check from  XXXX   XXXX ,    ( it w as a check from my father ) on  XXXX   XXXX  and verified the funds had been paid ans that the funds should have been completely available to me that day.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I have recently been informed that there is negative information reported by University  of   XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for Limit {$0.00} and past due amount {$2800.00} on   XXXX     I challenge the accuracy, compliance and reportability of this listing. Please delete and remove this inaccurate information.
Consumer complaint received 2017-04-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AUDIT SYSTEMS,INC (NC)

AUDIT SYSTEMS INC   XXXX   XXXX   XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX  posted to a credit reporting agency without prior notice of right to dispute or pay. In fact The only way I found out there was a possible collection account open was when I received notice from my credit monitoring service of negative posting to my record. This to ok a credit score fr om over  XXXX  to under  XXXX  irreparably damaging my ability to refinance my home. Additionally the telephone number is not functional 50 % of the time therefor they are providing inaccurate contact information.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

I ran my credit recently and found a fraud debt that does not belong to me. The debt is in collections and is not under my name. I have called several times to dispute this debt in collections and the creditor has not helped me at all. Please help me delete this debt and clear it from my name and social security number.
Consumer complaint received 2021-04-21
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: Lending Club Corp (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LENDING CLUB XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-04-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BARCLAYS BANK DELAWARE (IL)

On   XXXX   XXXX   I submitted a dispute to all three CRAs. I have received the results from   XXXX   and  XXXX , but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against  Barclays Bank of D elawar e in Court. E ach report is reporting a different date that the account is open, the highest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed d ate. Dispite  providing each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt . Barclays Bank  has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

We were customers of  Greentree Lending.  In   XXXX  , our account was blocked when a payment was late. We called to try to pay it, and they forced us to fill out paperwork for a special mortgage rehabilitation program in which our mortgage could be brought up to date ( remember, this is ONE late payment ). Meanwhile, we continued to pay our mortgage each month, as they repeatedly " lost '' paperwork or had sent it to the " wrong department. '' The whole time, we were concerned about foreclosure, as even though we continued to pay, we now had  one  month of payment missing. They repeatedly assured us that they would not foreclose and that our paperwork was required, and it was just a formality. Meanwhile, unbeknownst to us, they proceeded with the foreclosure without notifying us. One day, we found a crumpled up piece of paper on our front porch saying that our house had been sold at auction the day before. We lost our home, and had done nothing wrong.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (CA)

1.   XXXX   ( most likely ) or Mohela is inaccuratly reporting a {$48.00} million dollar balance for one of my   XXXX   student loans.
2. The current loan servicer, Mohela, is not reporting the full loan history relating to each student loan as it should for a monthly credit rating - this should be accurately reflected on all of my credit reports. This failure causes the appearance of a much shorter period of responsible student loan history. ALL monthly loan rating history relating to my student loans should be reported to the Credit Bureaus - this has a significant impact on credit scoring.
3. I have  XXXX  open student loans and Mohela ( or the credit Bureaus ) are reporting loan #  XXXX  and #  XXXX  as a single loan on the credit report.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I have reached out to Chase Card Services as well as the Credit Bureaus by mailing them letters and speaking to them on the phone to dispute the information being provided to my credit file. Chase Card Services is reporting the following inaccurate information on each credit bureau 1 ) The Balance Owed, 2 ) The Highest Balance amount, 3 ) the date opened and 4 ) the last payment made on this account.

These inaccuracies are harming me and my ability to obtain affordable housing, and other important necessities. 

As they continue to choose to report inaccurately, I am requesting that they delete all information completely from all the Credit Bureaus Immediately. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit  reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

On XXXX XXXX, XXXX, I applied for an apartment and my application was denied due to Equifax reporting inaccurate information on my credit file from identity theft incendents that have already previously been confirmed as identity theft and removed from my credit reports and files. I want every trace of the identity theft removed from my credit files so that I will never have this issue again when applying for credit. It 's not fair that I, as a victim, am still suffering from with the acts of XXXX against me at the identity Theft 's hands .... Please update my credit file promptly, so that any judgements, rental history, credit cards and loans are no longer showing on my reports as a result of fraud. 

Thanks XXXX XXXX
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC (OR)

eToro is a cryptocurrency exchange. I have holdings of XRP. There is a pending investigation with the SEC and XXXX hence, eToro notified all holders of XRP to transfer to a wallet or sell all positions by the XXXX of XXXX, 2021 or risk losing all holdings. I attempted to transfer to the eToro Wallet exactly as they instructed and it said the " request could not be executed. '' I have submitted three separate complaints all which have not been responded to. Their website also says to utilize their 24/7 chat services. Every single day the website states the " chat services are not available ''. 
Today the XXXX of XXXX, 2021, I received an email from eToro stating my XRP position was closed for a tremendous loss of currency. I did not initiate nor authorize any such transaction. The email stated that if any error is found, I may call their number. Called their number and " your call can not be completed as dialed. Please check your number and dial again. '' The number is XXXX eToro. I will add supporting documentation. I have records and receipts and printed documented proof of all material.
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I disputed a charge for {$52.00} on my account ending in XXXX. Charge is dated XXXX/XXXX/XXXX. The dispute was opened on XXXX/XXXX/XXXX. I supplied proper documentation to the merchant explaining what was ordered and that the order was never complete. On XXXX/XXXX/XXXX I received a letter saying that the bank is unable to process the dispute and will not help me in obtaining a permanent credit. The bank refused to open a dispute and instead said they can not help me. I never received what I ordered, and the bank is refusing me further assistance in the matter.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

I claimed bankruptcy almost 7 years ago. XXXX XXXX XXXX and XXXX will not accep. The discharge and have been affecting my credit score for years. Now Ditech has taken over the mortgage. Bankruptcy discharge. XXXX