davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
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. (NC)

I have filed disputes with the credit bureau 's on XX/XX/2020. I have yet to receive my investigation results. The Fair Credit Reporting Act ( FCRA ), section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of all original signed documents. I have demanded to see verifiable proof ( an original signed contract with my signature on it ). The bureaus has failure to do so has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me with verified proof, the accounts must be removed.
Consumer complaint received 2017-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XX/XX/XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus
Consumer complaint received 2020-11-29
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. (NY)

This company is reporting false and negative items on my credit report. I tried to resolve this issue over 60 days ago and I still havent got a response nor have I gotten anything removed. I am trying to get a mortgage, how can I move on with that process if this company is failing to help resolve my issue. I attached the letters and my identification for confirmation.
Consumer complaint received 2019-10-27
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. (FL)

XXXX HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXXXXXX XXXX XXXXXXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY   XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

XX/XX/XXXX I engaged in a consumer credit transaction for an alleged mortgage loan with XXXX XXXX  XXXX. In XXXX without my previous written consent or knowledge, I received notice that my alleged loan would now be serviced by LoanCare LLC and all payments and communication would now be with them. I did not provide consent for my personal information to be obtained and this is a violation of 18 USC 1028A. I began to receive deceptive forms and statements from LoanCare and continued to be harassed repeatedly. Although I submitted a validation of debt to LoanCare in XX/XX/XXXX, I still was hounded and harassed by them. They furnished false information on my consumer reports hindering my job seeking and eventually causing monetary losses due to additional funding needed for new living arrangements due to the false information shown.LoanCare continued to send abusing and fearful tactics until I was bamboozled into selling my domicile in XX/XX/XXXX after the continued threats.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

Jefferson Capital Systems has bought a debt, that is not only over 7 years old. But I am a XXXX wireless customer NOW! And that debt has been taken care of. I keep telling them to remove themselves from my credit report and the credit agencies but they wont remove the debt. The account opening date that they bought the debt is correct but the day the account was opened is incorrect
Consumer complaint received 2021-11-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

I have applied for a Home Refinance Loan with Quicken Loans/Rocket Mortgage. The Loan officer gave me an initial estimate based on ; first the house facts, my credit score, and home value that they estimated using their model, and when I say " they '' I mean Quicken Loans and the loan officer. Based on the first estimate, I was given a rate and closing cost that I liked and asked to get it locked. In order for me to proceed they requested I pay for a home appraisal which is about {$700.00}. I agreed to pay the fees based on the cost in the initial estimate that me and the loan officer already discussed and agreed upon, however, the appraisal came XXXX thousands lower than the home value that their model/system predicted, and as a result they increased my closing cost, and on the top of that they refuse to refund me the {$700.00} I paid for the appraisal because I don't want to proceed anymore as a result of their bad practice. 

This is just unaccepted practice, and there must be a way to stop gigantic loan companies from ripping people their money off just like that.. 

I have all the documents and the emails that support my claim and happy to provide them upon request. I attached two docs for each estimate, the initial offer and the final after the appraisal. 

Thanks
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I've had a credit card with Citicards for 15 years and have always made payments on time. 

Recently, I linked my account to another bank account that I ended up having issues with, and a few payments were returned. I always made a payment when I was alerted to this, and the payments were never more than a few days late. 

In XXXX, they called me to tell me a payment had been returned, and I immediately paid two months worth of payments due. I was told my next payment would be due on XX/XX/XXXX. I found out my card was then placed on a 30 day hold due to the returned payments - fine. I spoke to several people on the phone and no one told me it would be an issue in the future. 

Since I didn't have a payment due until XX/XX/XXXX, I didn't think anything of it. Then, on XX/XX/XXXX, they attempted to take a payment from my account through AutoPay ( my experience had been that if your minimum payment was {$0.00}, they wouldn't try to get a payment on the due date ). I called Citi and was told that they did always try to take more payments anyway, but that because of the misunderstanding, they'd refund my {$37.00} fee. I also asked if this would mean another 30 day hold and the customer service rep told me no, my account was fine, and I was welcome to use the card as normal. 

So I was very surprised when a few weeks later, I logged onto my account to find out it had been closed, due to " poor account performance '' aka the returned payments. If I had been warned at any time that my account was at risk, or had gotten TRUE information from the customer service reps, or they had even MENTIONED that a payment would be taken out even when one was made, I would have immediately paid off the whole account so as not to risk my credit score. Now, my 15 year old account is closed and my credit score is in the toilet, all because of some clerical issues with a bank account.
Consumer complaint received 2021-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (MA)

On approximately XX/XX/XXXX, I refinanced my student loans. My loans were previously serviced by UAS ( https : //www.uasconnect.com/ ). 

The new lender made a larger payment than the balance on my loans to UAS. Therefore, UAS is supposed to refund the overpayment back to the new lender. 

However, they did not make any such payment and quietly updated the balance on my account from a negative number ( reflecting the overpayment ) to zero ( suggesting that they did not owe me/ the new lender anything ). 

I called UAS and they claim to have sent out the funds. I called the new lender and they said that they have not received anything. I called back UAS and they said that they have to do " research '' for an extended period of time. 

After that extended period of time ( 15 days to 1 month, can't remember exactly as I had marked it on my calendar ), I called up UAS. UAS claims once again that they sent the check ( again ) on XX/XX/XXXX. 

I spoke with the new lender again. Once again, the new lender has not received the check. 

The new lender is being very cooperative and transparent but UAS is not providing any information. UAS is unable to provide any proof of sending the check. They are not able to provide the mailing address to which they sent the check. They are not able to provide the check number. They do not have any tracking number either. They keep changing the information when called. They now claim that it takes 30 days for the check to go via USPS. I've never heard of anything taking 30 days via USPS and I am increasingly suspicious that they haven't actually sent the check and are simply trying to pocket the money and hoping that I will forget. 

In summary, I am losing money over UAS failing to send the refund check. It has been more than 6 months since I have refinanced my loans. I am not sure what the next best steps are. If this path ( a complaint to CFPB ) is unable to result in a successful resolution, then I'm thinking I file a claim in small claims court.
Consumer complaint received 2020-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

JEFFERSON CAPITAL SYSTEM submitted a collection account to credit reporting agencies that was previously investigated, resolved and removed from my credit report. It appears XXXX XXXX XXXX sold the debt to JEFFERSON CAPITAL SYSTEM after the account was deleted from my credit report. I requested from XXXX to generate a bill to verify the debt, they were unable to generate a bill. I also communicated that both XXXX and this debt collector as well have never properly communicated to me that there was an outstanding debt and have never provided any documentation after several attempts requesting that they provide documentation. Once again in the report, they are reporting this account to be a XXXX account however when XXXX XXXX XXXX reported the account they reported the account as XXXX XXXX XXXX. These are invalid, undocumented, false statements and I have not received any documentation thus far to confirm the validity of this information. 

Below is the detail information from the prior investigation. 

REF # XXXX XXXX XXXX XXXX XXXX XXXX - CFPB Dispute submitted on XX/XX/20 I called XXXX XXXX XXXX and XXXX XXXX to request verification of an alleged debt that showed up recently on my credit reports. Both companies were unable to provide verification. I requested they provide me with a bill and they communicated that they could not generate a bill. I requested from XXXX to generate a bill to verify the debt, they were also unable to generate a bill. I also communicated they never properly communicated to me that there was an outstanding debt. I was never notified of the debt. I am requesting documentation from them that consist of : Bill with itemized description of fees, Signed Contract, Copy of letter notifying me of an outstanding balance. Also these companies reported missed payments for the same month. My understanding is that only one of them can report information otherwise it looks like two separate debts and two separate late payments when in fact it should be 1. I reported this issue to all three credit reporting agencies. Some removed these item and XXXX did not. I am requesting that these companies provide proper documentation supporting the debt.
Consumer complaint received 2021-10-05
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-10-27
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. (FL)

I have contacted Equifax three times disputing inquiries to creditors who ran my credit reports with my authorization. The inquiries are not " permissible purpose. '' Inquiries or " preapproved offers. '' The reported inquiries are from creditors who ran my credit report without my authorization, and prior to lifting my security freeze. I have disputed the unauthorized inquiries multiple times by phone and online, and in writing requesting Equifax dispute the inquiries pursuant to the FCRA Section 604 which states Equifax must supply me with the credit application verifying my name, address, date of birth, social security number and signature verifying the disputed inquiries. Equifax simply states in the investigation results " we have received and viewed your dispute, please contact the creditor. This is intentionally, and not disputed and in violation of the FCRA Section 604 Proof of Verification by supplying the consumer with Proof ... '' Fair Credit Reporting Act. '' Received and reviewed is none compliance of FCRA Section.604.
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: EQUIFAX, INC. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Alorica Inc. (NC)

SST LOANS AKA SYSTEM TECHNOLOGIES as per XXXX XXXX in 2019 refuses to give me information I requested for a legal hearing. I submitted a complaint earlier this year. No response. SST IS A THIRD PARTY LOAN SERVICER I recently found out of XXXX XXXX. I even asked XXXX XXXX of XXXX XXXX  to advise XXXX XXXX to call me and fax info. 
XXXX XXXX attached is 1 of the proofs of a SST LOAN ON XXXX XXXX XXXX account that you claimed you did not have. There are at least 2 loans. I need copies of the titles issued at payoffs and signatures of persons making loans etc The XXXX XXXX XXXX  CAB TRUCKS ARE LISTED ON MY NCDMV. 
I recently obtained documents proving my claims from XXXX XXXX  finally Stated as XXXX or XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  nc XXXX. Auto pay loan 0n acct ending XXXX. I need all loan documents relating to all loans with my names originally attached for improper or fraud activity. 
Thank you
Consumer complaint received 2019-10-28
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. (AL)

My ex girlfriend opened a checking account at XXXX XXXX XXXX. After her and I broke up I called the credit union and advised then we had broke up and I would like my name removed from the account. I also stopped direct deposit of my pay check to that account. Some time after all this, my ex over-drafted the account, and it was charged off and set for collections. It also shows on my credit file. I have called and wrote the credit union several times asking for it to be removed. They still refuse to remove the account from my files.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

I am the consumer natural person making this report notifying XXXX XXXX of there Federal violations pursuant to federal law. Pursuant XXXX8 USC 1028a ( 2 ) is in possession of my credit card without my direct consent. Pursuant 18 USC 241 & 18 USC 242 XXXX XXXX XXXX XXXX XXXX are conspiring together to coerce payment from the consumer and both negatively affecting my individual credit reporting. This was an extension of credit from my credit card as defined by Congress in this Consumer Credit transaction. I envoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact any farther about this debt which is an alleged obligation. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CT)

In XXXX I noticed a charge on my checking account titled " XXXX '' in the amount of {$150.00}. I have no idea who or what it is. I immediately filed a dispute. When I asked for more information, all the rep could tell me was it was an online purchase. My claim was denied, which I immediately reopened providing " additional information '' requested. That was where I was at the time of the purchase : I was at home with my family. It took them almost 2 weeks to provide me with the " documents '' used in determining the outcome of my case ( attached ). The 3rd time i reopened the claim, i detailed why the 3 reasons almost proved I DID NOT make the charge : 1. It was a PIN purchase, but I had my card and was home. 
2. The thief knew I was paid 2 days prior. Then why did the thief wait 2 days? I work so I get paid once a week. Why wouldn't they have taken it Thu or Fri? The charge in question was Saturday. Why didn't they take more? They took less than 1/2 of the deposit amount. This reason does not indicate someone knew a deposit was made.

3. If the dispute was 12 minutes away from my vicinity, than that is not at my house, so it's not me - because I was home. 
I have asked who this merchant is, what is their name, where are they located, why is there no contact info or location? They refuse to answer any of my questions and just say to refer to the documents used in determination. To me, this seems like it is clearly fraud. 
Even providing the information above, asking for a more valid reason for denying me, they still said no. They denied my claim yet again, providing the same document used in determining the denial the first 2 times. If this is a real merchant, tell me how to contact them and I can dispute it with them. But it doesn't seem real, so now I need my bank to help me get my money back- and they're not.
Consumer complaint received 2020-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

I purchased a phone awhile back, and it arrived soon after but had to purchase a charger separate and wait for it to arrive. Once turning the phone on and using it, I noticed some issues arise. First, the USB slot had issues recognizing the charger or other dongles. Then I noticed phantom touches where the screen would tap by itself. The advertisement for the phone said it was in good condition with no issues whatsoever, and it clearly has issues. I tried searching the website where I purchased it from to get a refund, but there was no way. So, I was forced to refund via PayPal, and they managed to get in touch with the seller. I then demanded a refund for the falsely advertised broken device, in which they agreed with but never sent me anything in order to ship the item back. There is a full chat history to prove it. After some time and still nothing from the scammer, PayPal closed my case. This is straight up fraud and both XXXX and PayPal should be held responsible. I would also like my money back for a product I never got, which was a WORKING phone. The device at hand was {$170.00}.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WA)

I've been with this company since 2017 and have never been late or had an issue. I was consolidating some credit card debt and went to pay it off and they denied the payment. In the meantime, I still had automatic payment set and had switched it to full balance because I thought the other payment went through which it didn't. So I had my bank stop the second payment After I tried to get them to stop it. So then my credit card had a credit on it of XXXX I believe. Then they charged me charge refunded payment fee. And ever since, every payment I've tried to make they've stopped the payment and charged a return payment fee. I've called five times and they just won't budge and reverse any of the charges so I close my card after I paid it off today. I thought I had paid it off a few weeks ago and then I looked at it today and there was {$190.00} again from these fees. I want my {$100.00} XXXX {$29.00} XXXX, {$40.00} XXXX XXXX, {$40.00} XXXX ) back and the interest I paid on these fraudulent fees. Even the final payment I made today shows it was returned and than processed like all the others and they better not charge me another fee. Again I have never had any issues until I paid the balance off. This is RCI Barclay credit card.