davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

Since I submitted my prior complaint ; ref ( complaint number XXXX ). 
I have XXXX more issues : in order for my lending to process my loan, Carrington Mortgage had to transfer the Appraiser, Carrington Mortgage refused to do this until I paid {$600.00} which according to them was the cost of the appraiser. I mailed in a Cashier check for {$600.00} to Carrington Mortgage. The Appraiser is now transfer to my lender who informs me that they were notified that the appraised has not been paid and payment had to be made before the process could continue. The actual appraiser fee was actually a little over {$400.00} not the {$600.00} I sent to Carrington Mortgage. This is ridicules that a company will falsely charge me money. In addition to this, Carrington Mortgage continued to email me stating that they would beat any offer that was given to my by new lender, this was propose to my several times and I have the emails to prove it. I responded that I was no longer interested and that I was not happy with their services. Now I received a letter in the mail stating that I got a negative report in my credit score because Carrington Mortgage disapproved my credit after the fact. This is outrageous.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
8. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
9. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (FL)

Issue with Chime app/the XXXX  XXXX  Date:XXXX Amount : {$90.00} I sent the amount of {$90.00} through Chime app to one of my contacts ( this is the second time making a payment for this specific person/contact number ).

The recipient claimed he didnt receive the money. I checked my emails and had emails from Chime under the name of a different person ( not even on my contact list ) I called Chime and the representative I spoke with confirmed the money was sent to the wrong person due to a system error, but although it was an internal mistake, they still didnt refund me the amount nor attempted to resend to the correct beneficiary, instead they opened a dispute claim # XXXX. 
A few days later I received a denied dispute email from Chime. 
Meanwhile I got harassed due to the fact chime failed to send my payment to the right person, Later had to resend the same amount this time using XXXX  and my {$90.00} are nowhere to be found and Chime doesnt seem to be able to explain where did my money go
Consumer complaint received 2022-11-03
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: GOLDMAN SACHS BANK USA (WI)

In accordance with the fair creditors reporting act this creditor has violated my rights under 15 USC 1681 section 602 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 under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open Consumer credit plan as late for any purpose
Consumer complaint received 2022-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Equifax consumer reporting agency will not provide me with information about proof of an investigation into a late payment reported on a closed account I had with XXXX, Account # XXXX on XXXX of XXXX. I've contacted XXXX directly and they've also advised me that I've never had a late payment while my account was open from XXXX up until it closed. I am being denied credit that I know I am eligible for due to Equifax reporting inaccurate information. Please help.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (TX)

These accounts where fraudulently open without my consent I disputed these inaccurate accounts and the credit bureaus removed the information then a couple weeks later they readded unblocked the fraudulent accounts on my report and I need this resolved quickly I have sent in FTC report along with any and every other documents I have hade multiple time also its been over 90 days with no investigation results this fraudulent active is harmful to me and my family in a global pandemic and its stoping use from obtaining credit please have them re investigate it
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.
Consumer complaint received 2022-11-03
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: VW Credit, Inc (CA)

VW financial sent me the monthly statement that had the return address printed with smashed ink which caused the US Post Office not to identify the address and return the payment mail to me as address undeliverable. I have sent the original copy of the returned mail to the VW Financial Services and they had lost the mail again. After which I have sent the VW Financial Services the copy of the returned mail that had clearly shown that the return address had smashed ink on it. They responded that after the review of the documents I had sent they found that the information was accurate.
Consumer complaint received 2019-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

XXXX <XXXX> To : XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX - Here 's your receipt. 


Thanks for paying with PayPal To see the payment details, log in to your PayPal account. 

Payment from : XXXX XXXX XXXX XXXX Payment to : XXXX  XXXX  XXXX XXXX Note to payment recipient : You haven't included a note. 

Transaction ID : XXXX Date : XX/XX/2019 Payment Status : COMPLETED Description Unit Price Quantity Amount WP Video Machine - Multi Site License {$29.00} USD 1 {$29.00} USD Tax amount Total {$29.00} USD Payment to recipient {$29.00} USD This transaction will appear on your statement as PAYPAL *XXXX  XXXX Transaction Summary : Total Amount of this transaction : {$29.00} USD ; Payment method : XXXX x- XXXX Payment to recipient {$29.00} USD Amount you'll pay {$29.00} USD Help Center | Resolution Center | Security Center Please don't reply to this email. To get in touch with us, click Help & Contact. 

PayPal Customer Service can be reached at XXXX Copyright 1999-2019 PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Paypal REFUSED To Give me Refund Companys sends out Zip files they are lock cant open.I even download XXXX  XXXX to open.It gave virus in my computer i had restore my laptop to back in date to get it to uninstall so my coputer would work.Now if the company was smart PDF file works perfect for me but i didnot have choice.I want refund asap! Thank
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 6. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I am recently XXXX XXXX XXXX classes and have been for the third XXXX  and went through and looked at my financial aid money coming in and don't agree with what they're taking from me. They are taking transportation cost and personal expense cost and also living costs. That money should be coming to me each semester and they are taking that instead.
Consumer complaint received 2022-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Nelnet and department of education has been reporting as my student loan provider. When I received the LOANS in XXXX and XXXX as Nelnet claimed, I was never given any disclosures. For all these years, I never knew about the Gramm-Leach-Bliley Act ( GLB Act or GLBA ). Its just recently I stumbled upon information about consumer rights and laws written by Congress. I began studying about consumer law and studied 15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. as per 15 USC 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As long as I had my loan with them they neverdisclosed this. Presently I am challenging this, they are telling me I knew about it because I signed the Promissory note. My reply was that they were not clear and conspicuous and no one ever pointed that out to me. Why would I want my non public personal information shared? No one disclosed any of this. After reading the FTC and the GLBA, I found out that even if I signed the promissory note as they allegedly claimed, by LAW every year they were supposed to let me know about the privacy notice and disclosures as long as I am a customer and sending me an opt-out election from. I never got that choice. I requested a form XX/XX/XXXX. I signed and returned .They violated my privacy, they chose profits over people by withholding. 
In addition, according to 15 usc 1681 ( a ) ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
as per 15 usc 1692 ( a ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (OR)

There were XXXX unrecognized charges on my bank account. I immediately reported the charges to my bank, they investigated and gave me the credit. I then get a letter explain they are taking the credit back because the merchant responded. They said the packages were delivered to my house and have a signed signature. I was out of state at the time and no one in my house hold signed anything. They used the courier usps. Ive made purchases before where merchants use usps and every single delivery says signed even though I have not signed anything because it is not required. I reported the card as lost. Because that was the case. I have no packages, I have no items, I dont even know what they are. I have no number to contact the merchant. My bank wont let me appeal theyre decision. They refuse to help me, they tell me to contact the merchant. I have no way to contact the merchant. And even If I did, the merchant isnt going to help me. They believe this transaction isnt Fraud and I did indeed make the purchase and received the items. But on my end I didnt make any purchase and that why I called me bank to get a new card. Because its fraud, so how does Wells Fargo expect me to resolve this, its their job to protect me and have my back when something like this happens. Now theyre treating me like XXXX! Unbelievable.
Consumer complaint received 2022-07-06
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)

My name is XXXX XXXX and I am submitting this complaint to address what I believe are inconsistencies on my credit report. I plan to make a major purchase in the future and my credit is a determining factor in my success. I recently requested my credit report and upon review I noticed there are accounts that appear to be incorrect or erroneous. My intent is to obtain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the accuracy of some of the accounts that reviewed and I am not entirely convinced that all the data within these reporting accounts is factual. As per the Fair Credit Reporting Act, I am permitted to challenge published information that appears to be inaccurate or misused. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : 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  Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy. 
Title 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 consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile. 
I would appreciate the onset of an investigation so that I might be able to make solid decisions about my credit and repairing it accordingly. I understand that this process takes fifteen days to complete. Once the investigation has begun and has been completed, please remove any accounts with discrepancies in direct violation of the Fair Credit Reporting Act. Lastly, if it is at all possible, I would also like to request a report covering your results and who reviewed my personal information while the investigation was in progress. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 

ACCOUNTS : Account Name : 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
Consumer complaint received 2022-11-03
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: I.C. System, Inc. (TX)

I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

XXXX XXXX XXXX a Senior Power Broker at Rocket Mortgage started a second mortgage application and did a hard credit pull on both my wife and my credit reports. I did not authorize a hard credit pull or for him to start a new mortgage process. I would like these hard credit pulls from my record. I am also sending a message to them as well to cease and desist.
Consumer complaint received 2022-07-06
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. (GA)

Again, I was a victim of identity theft and the letter I submitted to the Credit Bureaus on XX/XX/XXXX, was my third written request to block and remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. Remove the Following accounts as they were never authorized and were opened due to Identity Theft : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-07-06
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. (NC)

I sent a letter off on XXXX XXXX. Here is my tracking # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 

These are clear violations of my federally protected consumer rights.