davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

I have a Costco City Bank Business Visa. They have a practice in their fine print that I question is legal certainly not ethical. " If you do not pay your full balance by the due date, you will not get a grace period on purchases until you pay the new balance for two full billing periods in a row. '' They interpret that to mean carrying the full balance forward. In essence you end up paying interest on money they already have.
Consumer complaint received 2020-08-17
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: ID Analytics, Inc. (FL)

Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MO)

Good evening, On XX/XX/XXXX, I called the Apple Card-Goldman Sachs - Credit card company to report unauthorized transactions on XX/XX/XXXX. Somebody used my card or my information without my permission. The amount was {$600.00} from Apple Services ( merchant ). The agents refused to help me and keep transferred me to Apple support ( Merchant ). On the 4th call, I already told them that I was not calling Goldman Sachs to be transferred to Apple-customer service ( Merchant ). They keep asking me again that did I tried to work out with Apple ( Merchant )? I told them yes and the reason I called Goldman Sachs is to investigate the unauthorized transactions on my credit card account. It was not me make those purchases. She keep me on hold, she said that she need to talk with Apple customer service ( Merchant ). After 40 minutes, she disconnected. I am very unhappy with the result, Goldman Sachs never call me back regarding about the case at all. Goldman Sachs which is my credit card issuer should be on my side when there is a problem about my card. They did not take any step forward to protect their customer like me against fraud.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I checked my Equifax credit report and saw inquiries from XXXX and XXXX XXXX  that I did not do! They are fraudulent and I want them removed.
Consumer complaint received 2021-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1- Delete Unauthorized credit inquiry : I contacted Transunion in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX XXXX XXXX that I did not authorize. Transunion refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiry from XXXX XXXX XXXX deleted of my credit report now.
Consumer complaint received 2020-08-17
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. (IL)

On XX/XX/2020 I sent Equifax a request to verify information by sending me the original agreement with signature in regard to the debt collection account XXXX XXXX for {$10.00}. However, I have not received the results, the original agreement, or a confirmation for receiving my request. It has been more than thirty ( 30 ) days since my request and I have not received the results. Today, I called Equifax and they were unable to verify, or locate, the results or when it was sent.
Consumer complaint received 2020-08-17
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. (IL)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$4000.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXXXXXX {$960.00}
Consumer complaint received 2023-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo foreclosed on our home loan in 2013. I feel we qualify for the lawsuit. We were sent a letter and told we didnt have to make payments during the forbearance process and then we were foreclosed and forced to due a short sale.
Consumer complaint received 2020-08-17
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-02-19
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. (GA)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2020-08-17
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. (CA)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-08-17
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: Unlimited Progress Corp (IL)

XX/XX/2020 Creditors Discount & Aud XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX original creditor XXXX XXXX XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$1800.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this debt to be removed from my credit file as soon as possible. 
This erroneous and illegal tradeline is damaging my credit and name greatly! Please assist.
Consumer complaint received 2020-02-01
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. (OH)

I have tried contacting Equifax multiple times over the phone to inform them that I am not longer disputing and account on my credit report and with to remove/withdrawal my dispute against Ohio Department of Human Services. I never seem to get anyone on the phone who speaks English well enough to understand so I have disconnect. For these reasons I have to file a complaint with CFPB against Equifax for refusing to withdrawal my dispute against Ohio Department of Human Services. I have included with this complaint copies of my drivers license, social security card and proof of residency. These required documents are sufficient to prove my identity to remove/withdrawal my dispute against Ohio Department of Human Services.
Consumer complaint received 2020-08-16
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)

Thank you so much for having a look into this file. I for a couple of months now have been disputing items on my report with the credit bureaus. They have yet to conclude investigations that proves how they failed to adhere to the law.
Consumer complaint received 2020-08-16
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. (MI)

XXXX card closed my account on XX/XX/2020 because inactivity.This is not the case. The truth is XXXX card closed my account because of the covid-19 pandemic as well other peoples accounts.As soon as the covid-19 pandemic hit especially in michigan where i live, XXXX immediately closed my account.From reports i read and listening to the news, XXXX and other credit card companies decreased limits or if there was no balance, they closed the accounts.Because of this, my credit score has decreased and this account will show closed for many years hurting my credit and score.I have tried fixing this but im not getting anywhere.This must be looked into.Its not fair what they did
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

I'm not sure what they are trying to do but they have a grudge and they are reporting illegally, incorrectly, and falsely. My account went delinquent 4 years ago. They are reporting to all 3 credit bureaus as recent delinquency as of right now. It is not recent delinquency it is 4 years old and should not be reporting as a recent delinquency. I want it to report correctly and accurate that it's not a recent delinquency and is 4 years old.
Consumer complaint received 2020-04-20
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: Eagle Accounts Group, Inc. (OR)

Child support was was requested to be taken off XX/XX/20 completely from credit debt report and still shows dull amount.frombbeginning balance. Needs to be removed asap completely from debt report on XXXX  XXXX.
Consumer complaint received 2021-02-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I have been having a issue with Flagstar Bank with my escrow account. I have spoken, and chatted with them ( I have copies ) 5 times since XX/XX/XXXX. On XX/XX/XXXX they deducted {$1600.00} from my escrow account to pay my property taxes. On XX/XX/XXXX I downloaded a copy of the receipt showing Flagstar paid in the amount of {$1500.00}. 
Please note that when I received my trim notice last year from the county, it showed that {$1500.00} was the amount due if paid in XX/XX/XXXX, and if paid in XX/XX/XXXX the amount due would be {$1600.00}. 
On the 4th call on XXXX XX/XX/XXXX, the young lady I chatted with finally understood what my complaint was. She filed a case # XXXX. I have a XXXX  document with the entire chat because Flagstar told me they do not have the technology to send me a copy of the chat. Today I chatted with them again because I have not heard anything. I was told that the case was closed on XX/XX/XXXX and they do not owe me the delta. I never received notification of this. When I asked why, I was told that no notification information was given. I'm trying to be nice, BUT when you apply for a mortgage they have all your information! They send me a notice monthly when my payment is due, even though I have it set on autopay. 
Long story short, they took {$65.00} more out of my escrow account than they paid to my county. I have never dealt with such an inept bank in my XXXX  years. 
Another bad point, I wonder how many other senior citizens they have done this to. 

So I am writing to you asking for your assistance. I do not want to pay a lawyer to get my money back. 

I would really like to have my mortgage with a company I can trust, but I'm not going to pay to " refinance ''. What do you suggest. 

Also, because of this overpayment, my Form 1098 is incorrect. Also my annual escrow analysis is incorrect, and they wanted me to send them {$150.00} for my escrow shortage. I did not send it, thereby my Mortgage increase by XXXX, which would have been lower had they not over deducted from my escrow account. 

Please note that the XXXX  County Tax office told me that they received the payment from XXXX XXXX. an escrow payment company. I asked Flagstar for XXXX XXXX phone number, but they would not give it to me, nor the address.
Consumer complaint received 2020-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (OR)

Got a bill from a medical office I have never been to. I then got a notice from professional credit service XX/XX/19 and told them I've never been to XXXX hospital but they should figure out the bill description in case my hospital XXXX or my family practice doctor ordered something from them. I heard nothing for awhile then heard again from them and told them the same thing and now I haven't heard anything so I figured they were wrong for charging me.
Consumer complaint received 2016-07-28
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE (GA)

I sent money transfer around XXXX XXXX. I always send Money transfer without Id. I have doing it for years for family members. I also have received money transfers. Agent states as long as its {$100.00} or less, you can send without ID. There is no change in sending funds regarding Id, unless funds go over a certain amount. Receiver was unable to pick up money transfer, and was told by agent it is being HELD. The receiver was asked for ID. Receiver does not have Id. We requested to have Money Transfer name change so money transfer funds can be picked up. Numerous calls were made, along with emails, and faxes to change info without success. I sent another money transfer in person that has id, due to the long time it was taking to have info changed. The XXXX transfer was sent XX/XX/XXXX. two - three weeks later. The original transfer funds are not being released back to me, ( sender ). Western Union requested to have a letter of explanation. I have sent that also. I continue to call, Western Union reps state the same info each time did you send Id. I explain I have already sent another transfer. This transaction needs to be cancelled. Western Union is now requesting additional info. I am requesting money transfer to be cancelled and refunded. it has been over 45 days that original transaction was done, it will soon be 60 days.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Received a threatening and confusing letter about forced placed hazard insurance. 

Closed on my loanXX/XX/2020 with Owning. Loan was sold sometime after closing XX/XX/2020. 

Subject property is an attached PUD with an Condo Master Insurance policy, no in-walls coverage. A one year HO-6 in wall insurance was purchased through my long term insurance agent with XXXX and paid at closing, one year. 

Closing Disclosure has line item deduction for the HO-6 policy paid one year out. 

Received letter dated XX/XX/XXXX in mail XX/XX/XXXX from Dovenmuuehle stating Hazard Insurance for my property expired and this is the " SECOND AND FINAL NOTICE '' before Dovenmuehle will charge me for Forced placed Hazard Insurance. 

Issues 1 ) HO-6 policy paid one year in advance and Dovemuehle is not reviewing record or disegarding their own record or failing to contact the originator they purchased the loan from to obtain a missing record 2 ) Concerned the loan was sold on the secondary market and the purchaser threatens the borrower with inaccurate information to facilitate obtaining missing paperwork of the loan purchase ( the HO-6/Master Insurance Policy ) 3 ) Dovenmuehl would have this information in their records or access from the originator they purchased this loan from but is possibly sending form letters to extract monies from borrowers/homeowner by levying forced placed insurance, when in fact these borrowers have current policies in force. 
4 ) Business practice of Dovenmuehle to shift the burden and costs of filing/obtaining required documents in the purchase of loans on the primary market and evade their due diligence of obtaining necessary documents from the originator, in this instance Insurance onto the borrower with misleading statements and threatening to cost the homeowner substantial sums of monies via " forced place insurance ''.
Consumer complaint received 2020-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brock & Scott, PLLC (FL)

Considering the current economic situation, I would assume Brock & Scott ( Collection agent for XXXX XXXX ) would want to Settle my debt ( which they have a judgment for ) as most consumers are experiencing significant financial hardship. This law firm fails to issue a written decline in a timely manner, but rather communicates verbally months later after numerous follow ups to avoid a paper trail. They take an excessive time to respond to requests, which is harmful to consumers who wish to clear up credit. They are fairly disorganized and state inaccurate facts, such as pursuing collection on unenforceable wage garnishment. I dont feel this creditor is being fair and forthcoming in their dealings, but rather discrimatory and predatory, since they feel they believe they can collect via wage garnishment of {$900.00} per biweekly pay period. 

XXXX-Brock and Scott submitted a wage garnishment to my employer to begin deducting 25 % of my disposable earnings, beginning with the XX/XX/XXXX payday. 

XXXX-I submitted a Florida head of household exemption, which invalidates this creditors request to garnish wages. 

XXXX-Attorney reaches out to Brock and Scott to offer a settlement. 

XXXX-I called Brock and Scott and they didnt want to speak to me, as I have attorney representation XXXX- 2 months later- Brock and Scott declined offer of {$3000.00} & received a counter of {$9600.00} XXXX-I drafted a hardship letter and submitted to Brock and Scott XXXX-3 months later-Brock and Scott declined settlement of $ XXXX.They stated they have a garnishment order, therefore they are declining to settle for less than the Full amount owed. This is contradictory to their offer to settle for {$9600.00} on XX/XX/XXXX, which is harmful to a consumer, by asking for a higher amount than previously agreed to settle for less than full. 

XXXX- My attorney submits a settlement of {$5000.00}. 

XXXX-I received a call from Brock and Scott, which I missed. I called back and they advised they cant speak to me. I advised that my lawyer has been trying to get ahold of them for months to settle, and no one responds back to them. 

6 months later-Brock and Scott declined the offer, but did not provide a rejection letter or any type of counter offer. They advised that the client ( XXXX XXXX ) elected to continue to proceed with the wage garnishment. This makes NO sense and is inaccurate, as a Florida head of household exemption was submitted.
Consumer complaint received 2020-08-15
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. (CA)

Hello, I have been contacting XXXX, XXXX and Equifax since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX