davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX, XXXX and Equifax are reporting inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline they are reporting concerning me is inaccurate and/or incomplete : Tradeline : XXXX Account number : XXXX The tradeline is inaccurate because I am not legally obligated to XXXX in the mount of {$14000.00} for the alleged deficiency claim. Furthermore, the tradeline they are reporting is incomplete because there is a past due balance which is absolutely wrong and a violation. The dates of activity are also incorrect and does not meet the FCRA. 

Inaccurate list : 1. Account is reporting with 3 different amounts of high credit 2. Account is reporting with 3 different past due amounts 3. Account is being reported with 3 different dates of last activity 4. Account is being reported with 2 different dates of last payment If this is the same account being reported by the same creditor, why are these dates/amounts different?

I request that they delete the above tradeline and provide an updated copy of my consumer file. Inform any person that you previously reported the now deleted tradeline that is now deleted. Should you conclude that the tradeline is verified, then I request method of verification. I have requested method of verification for the past 6 months.

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted into connection with such information and telephone number of furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute.

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prom attention to this important matter is requested in order to comply with federal law. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CITIBANK, N.A. (NJ)

My name is XXXX XXXX  XXXX My ss XXXX.I got mine Credit report Home Depot credit card on XX/XX/2017. Its showing a late payment but I spoke to them and they said dont worry everythings its OK please help me with this issue thank you very much
Consumer complaint received 2021-03-22
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. (NY)

Some time in the beginning XX/XX/XXXX I sent all 3 bureaus letters of my grievences and disputes I had with how they were reporting my credit and still till this day I have not heard anything back from them. So I am hoping you can help me with this problem cause it really should be deleted because its been over 60days now. Please update me and let me know whats going on, thank you.
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

XXXX XXXX has called multiple times trying to collect on a debt that was paid and discharged from my credit report many years ago. I told them the debt was paid, but they insisted that there is a judgement against me for the debt. I told them to mail me the verification of the debt owed. They are trying to scam me out of money that was already paid.
Consumer complaint received 2019-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (NV)

In XX/XX/XXXX we applied for a loan approval with Guild Mortgage, our Sales Manager was XXXX XXXX. We attempted to have a face to face meeting multiple times with him so we can have a firm understanding of what to expect for mortgage costs etc. The sales manager didn't set up a meeting with us until XX/XX/XXXX and we never received a GFE ( Good Faith Estimate ) before this date. During this meeting I explained to XXXX that my girlfriend was XXXX  and these financial numbers didn't make sense for my family and I, and I couldn't afford this loan on my own. My girlfriend and I decided that she shouldn't return to work and focus on raising our soon to be XXXX XXXX. I asked XXXX why he waited this long to have a meeting with me about this and he had no excuse and all he did was apologize. If my family and I knew before hand how much the mortgage was going to be and all other details we would've avoided doing business with the home builder XXXX XXXX. Because of XXXX 's unethical business practices and incapability to handle our transaction responsibly, I have lost {$16000.00} to the builder and they refuse to refund any/all of the financial funds. I attempted reaching out to Guild Mortgage branch manger XXXX XXXX through email to explain to her the situation going on, she was unresponsive. I emailed XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. All is being investigated by the FTC. Pursuant to the FCRA 15 USC 1692c-2 ( a ) you have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter. Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you have the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked.
Consumer complaint received 2021-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was doing business through PayPal and a client was paying for service through PayPal and when I tried to withdraw funds they wouldnt let me so I contacted via phone to let them know that they kept saying its a error to withdraw my funds so the lady instructed me to follow her instructions and I tried 3 times and it locked me out so she then told me to say 48 hours to try again so I called back and another PayPal representative told me to do the same thing the First Lady did that caused me to have to wait 48 hours to try again and I told her that I tried that with another representative already and it locked me out from doing anything for 48 hours so she said just follow her instructions so I did and it did the same exact thing and she hung up immediately so it cause a flag to go over my account and then they came to terms they would hold my funds for 180 days for chargeback feeds. I emailed the executive of escalations and he would not be understanding of my situation to get my funds back with it being there phone representative fault they flagged my account so its been forever and they still not giving my funds back. I have photos and emails from the conversation Case # XXXX
Consumer complaint received 2021-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had XXXX account with paypal that where locked on XXXX. I was able to take my money out of the one that is XXXX but now Im unable to close the account. I want it to be closed but they say its limited. 
XXXX is the one that has money it it and it is still being blocked. And limited way after the 180 days have been up. They are blocking every attempt I make to withdraw my funds and close my account. I want nothing to do with paypal and for some reason I can not do anything not even log into my account anymore. Why are they forcing me to keep accounts open and refusing to close them. And why am I still not able to receive my funds i just want my accounts CLOSED not permanently limited I need them CLOSED and my money withdrawn. They block all my purchase attempts.
Consumer complaint received 2022-03-24
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. (NC)

Equifax did not do a proper investigation when XXXX and XXXX did. Equifx just verify informtion instead of properly doing the investigation. Several items were deleted from XXXX and XXXX but equifax continue to report this information wothout providing validation.
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (NC)

I frequently get calls from a place called XXXX XXXX with different phone numbers. Today this XXXX person claimed to be calling on behalf of one of my creditors. I told him clearly that I would not be speaking with him at all, but he ignored me and continued to try to confirm my personal information before I hung up.
Consumer complaint received 2021-09-10
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. (TX)

FCRA VIOLATIONS : NOT MINE : name, addresses and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Unknown Account number XXXX Collection opened XX/XX/XXXX XXXX
Consumer complaint received 2021-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE COMMUNICATED WITH THE 3 CREDIT BUREAU REQUESTING THEY TO VALIDATE AN ACCOUNT THAT APPEARS IN MY CREDIT REPORT, I HAVE EXPLAINED THAT THIS ACCOUNT IS FRAUDULENT, I HAVE REQUESTED DOCUMENTS THAT VALIDATE THIS DEBT AND THEY HAVE JUST SAID THAT THE ACCOUNT IS NOT MINE, DONE THE RIGHT INVESTIGATION. THIS ACCOUNT IS FRAUDULENT AND THEY HAVE NOT COMPLIED WITH FAIR CREDIT LAWS, THEY HAVE SENT ACCOUNT STATEMENTS AS VALIDATION, AND THIS IS NOT A DOCUMENT THAT VALIDATES AN ACCOUNT. TRANSUNION AND XXXX
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX refi@ 2.8 %, payoff @ {$66000.00} + fees = XXXX. 
To close approx XXXX Credit @ XXXX XXXX rec XXXX XXXX Chase offer@2.9 & NO fees for {$68000.00}. Expect 2-4 wks to close. 

XXXXec mortgage commitment letter XXXX, XXXX followed up XXXX toldexpect closing 1-2 wks XXXX through XXXX various calls and info sent XXXX XXXX XXXX  preliminary closing received XXXX closing disclosure in mail. 

XXXX? hold up, rep says just got condo info otherwise completed Various calls to rep. Due to delay XXXX missing back page insurance /walls in coverage from XXXX. Emailed them info myself XXXX rep says no deal due 2 income to debt ratio. 

False and verified with XXXX. 
Also : originally with Chase for {$74000.00}. Never late payment ( @ higher rate and less income than now ), & no other debt. 

Now rate increased to 3.1 due to delay by Chase.? either non-competent or 2.9 % with no fees are a come on. 
Detailed reason requested with no response. They cause me yo loose .
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (GA)

I noticed a public record on my report. I sent Equifax a letter asking how did they receive the information they stated per a third party vendor XXXX they also stated if I wanted to dispute the issue to dispute it with XXXX. I did dispute the public record ( bankruptcy ) it was deleted from my XXXX report. I sent Equifax a copy of the deletion letter from XXXX who they stated was their furnisher. They still refused to delete the public record after I followed the step and had it removed. If XXXX removed it and is the furnisher of the information they should remove it as well.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Good day, I sent a XXXX  payment to wrong recipient by accident back in XX/XX/2021. I reached out to the person, and they informed me that they reported to their bank that those funds were not theirs. I filed a claim with my bank chase to get back those funds. And they said that there was nothing they can do about it, that the recipient never returned the funds. Thats not true the recipient sent me a screenshot when the funds were reversed from his account. I do not understand why my bank has not helped me retrieve my money, when there is a clear paper trail, and the recipient didnt take the money.
Consumer complaint received 2021-11-25
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: Experian Information Solutions Inc. (GA)

I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XX/XX/2021. In XXXX someone surrendered my Georgia license for a Indiana ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and XXXX will not update my information. Even according to Experian my information is everywhere. My name should read as follows XXXX XXXX XXXX my name is not XXXX XXXX.
Consumer complaint received 2021-11-22
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. (IN)

On XX/XX/XXXX I received a statement from Ally regarding the final payment for my stolen XXXX XXXX XXXX. XXXX processed a claim in the amount per the XXXX XXXX  value and thankfully my lease contract had Gap protection built into the plan leaving me only with the insurance deductible of {$500.00} dollars and unpaid late charges of {$120.00}. Upon making my payment I asked the rep if the late fees could be reduced or eliminated She informed me that yes she could take some money off of the late charges but not the insurance deductible as that is what is required per the contract. I thanked her and paid the new amount. A few months later I checked my credit report and it stated that my account was " Paid in full for less than the full balance. '' This is inaccurate as I never paid a reduced amount on the final monthly payment of {$560.00} nor the {$500.00} insurance deductible, only the late fees. Late fees are a penalty to get me to pay and were never referred to or listed/included under the Total loss provisions of the contract. Furthermore, the representative never made mention that by reducing the late fee, my credit report would be negatively impacted and listed as Paid in full for less than balance owed. Ally had a duty to notify me of such to allow me to make the decision to proceed and they failed to do so.
Consumer complaint received 2021-03-22
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. (NV)

XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported.

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done.

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place.

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (OR)

After funds were transferred via ach, i am not allowed access to them. Funds were deposited on XX/XX/2021 and i recieve only automated email response from support email. 
Phone number only directs to support forum which directs to email again.
Consumer complaint received 2022-08-11
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. (GA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I had posted an ad on XXXX trying to sell my table and chairs, someone actually seemed interested and sent a check for XXXX . When I received the check I deposited into my mobile Wells Fargo account. This was on XX/XX/21 The check went through the next day with no issues. The person that issued the check said to pay movers through XXXX XXXX  with the check that Wells Fargo cleared on XX/XX/21 an amount of XXXX dollars. So I did. A couple of days later he texts my phone saying they are going to back out from the deal and wont pick up the table and chairs I had listed on XXXX. And wanted me to XXXX him XXXX $ from my account to his zelle email he provided. Fast forward to today XX/XX/21 Wells Fargo had not only overdrawn my account by XXXX $ but theyve have also decided to return the check today instead of actually holding it when it was deposited on XX/XX/21. Now Im negative in my account have no money to help pay for things my child needs. And I am feeling helpless and cant seem to get justice for someone trying to scam me into giving me a fraudulent check in the first place.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

I entered into a Covid relief forbearance around XX/XX/XXXX. In XX/XX/XXXX, I called Mr. Cooper to see what my options were. I asked very specifically if the option to add the payments to the end of the loan were an option and the agent informed me that that was an option, along with a lump sum and a modification. 

Around early late XXXX XX/XX/XXXX, I attempted to start the process on their website and was repeatedly met with errors using their " wizard ''. On XX/XX/XXXX, I called them back again and was directed to the general " support '' area and to go through the modification there since the wizard was broken. I did as instructed and it apparently created a modification request. 

In subsequent calls, and their website, I was told that it would take *up to* 30 days. Here we are, sitting at XX/XX/XXXX and it still has not been addressed. I called on XX/XX/XXXX to inquire about status and they informed me it hadn't even been looked at and " escalated it '', so it should be done within 5 days. Again, we are at XX/XX/XXXX and this still isn't addressed. 

In a subsequent discussion ( I don't have the call date available because they called from another number ), I was told " the investors want their money '' and that was a reason for the delay. 

At this point, there is no reason to believe that Mr. Cooper is acting in any other fashion than to actively force a foreclosure by delaying a resolution, in spite of repeated promises that the issue would be addressed, and by forcing a lump sum payment without giving adequate time to respond.