davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (WA)

On XXXX we closed refinancing our home mortgage and the funds were transferred to our old mortgage company, Ally Bank. On XXXX I discovered that Ally Bank was not showing the mortgage paid off. I then began reaching out to both companies to get it resolved. Through calls they have confirmed for me they received the funds but they were not applied correctly to my mortgage due to the an error in the wire transfer not including the account number in the routing number. On asking what needed to be done to fixed told it would not be a problem to correct. Two weeks later and many phone calls I continue to be told the right people are working on it but no one can provide me time table to resolution or any clear next steps when to expect progress on correcting the issue. I have included below a summary as best I recall of the activities. Until the last few days I was not keeping the log real time so some dates may be in error but it is very close to the activity. Will also attach the wire transfer confirmation that was sent on XX/XX/XXXX to Ally Bank. 

Called on XXXX to see why loan not payed off, was told not received and to reach out to new lender. 
On XX/XX/XXXX got wire confirmation from new lender. 
Called back to Ally and explained have the wire confirmation. Was given email to send it to and told they would correct. Sent payoff information as advised on XX/XX/XXXX including PDF of wire transfer confirmation Believe on XX/XX/XXXX reached, Be (? ), was most helpful who finally determined issue. The routing number for the wire was wrong so they received the funds but it did not route to my mortgage correctley Told escalated to her supervisor and to payoffs supervisor. 
Multiple calls ever ~2 days always told in good hands and being worked. Did not document these well. 
On XX/XX/XXXX talked to XXXX, again confirmed the transfer was received but had account number wrong. Was sending again to payoff department, committed to call me back within a day.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MO)

In XX/XX/2012, I settled this account that was a charge sent to collections from XXXX XXXX  to IC Systems. I received a settlement offer and settled it in full. Since they they have changed the amount to show {$98.00}, and it is still affecting my credit score. This needs to be removed immediately and my credit needs to be updated.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (KY)

They gave me false hopes about being pre-approved for credit cards, loans, and auto loans and when i go to apply it lowers my score as im thinking i could be approved but havent gotten approved im seeking monatery reemedy monatery damage
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

Discover et al is failing to post payments made on the account weeks after they have posted cleared on my bank account. They are systematically doing so in order to charge additional fees. And Discover et al is falsely reporting derogatory information on my credit report as a result of their accounting practices. I contacted them regarding this problem and they removed the fee, but when I checked my account a few days later, they still had not posted the payment made nearly a month ago nor the one that was made in the past 2 days.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (AL)

XX/XX/2019 a hard inquiry was placed on my account from a XXXX company. I've never applied or contacted this company before today. I called them to get more information about their company and why they were attempting to use my credit. I think someone has tried to use my identity
Consumer complaint received 2022-09-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX supervisor XXXX XXXX told me steps to follow to have an unauthorized hard inquiry removed when vendor refuses to cooperate XXXX file XXXX Ftc report XXXX All documentation was submitted via usps to XXXX address numerous times the last being XX/XX/22 XXXX refuses to remove unauthorized hard inquiry by XXXX XXXX of XXXX XXXX XXXX XXXX Since vendor refuses to cooperate XXXX said if proper ID and FTC report and letter are received the hard inquiry of XXXX XXXX will be removed Now I am told it can not be removed
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

XXXX XXXX  XXXX has reported two bank accounts to XXXX XXXX  ( a credit reporting agency, in part ) in which they allege both accounts were closed for alleged account abuse and that the account where both closed in overdraft status. 

I attempted to seek clarification through XXXX XXXX on this matter on or about XX/XX/XXXX. XXXX  XXXX  XXXX simply stated their information was correct that Account # XXXX, Routing # XXXXXXX was closed on XX/XX/XXXX in overdraft status. And that Account # XXXX, Routing # XXXX was closed on XX/XX/XXXX in overdraft status {$82.00}. 

At no time do I recall be notified such accounts were closed due to account abuse or that the accounts where closed in overdraft status. Certainly, XXXX XXXX XXXX provided no notice as then or now to support such allegations under the Fair Credit Reporting Laws.
Consumer complaint received 2021-04-06
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MD)

JPMORGAN CHASE did not do an adequate investigation into my complaint no. XXXX. I requested copy of disclosures, or affividits in this complaint but cfpb did not attempt to get from merchant before closing the case. The affividits must explain decision making stating " Whether their is a destination, from a layman consumer, like myself, Whether it was sufficient to convey how a hard inquiry vs soft inquiry into ones/my credit report would affect the consume or my credit rating. The letter responding to my complaint was complied with. Also, the 30 dy late trameline is in error. See weblink .https : XXXX? src=rss this article denotes large amounts of credit errors are occurring during COVID19. I think that it has been happening all along, just like so many social issue to can to light during COVID19. I incorporate by reference the attached letter sent to merchant recently on today.
Consumer complaint received 2019-03-18
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: ID Analytics, Inc. (IA)

XX/XX/2019 I got a letter in the mail saying my auto loan was denied by XXXX XXXX and it says here on the letter that the 3 credit reporting agencies are XXXX, XXXX and XXXX XXXX, I do not know who XXXX XXXX is I have NEVER heard of them! XXXX  and XXXX say my credit score is  XXXX a good score for an auto loan but XXXX XXXX has my XXXX XXXX at XXXX that's 112 points lower I do not know what they are reporting nor can I find out they will not let me have a copy of my report without sending them a hard copy of my SSC, drivers license, birth certificate and a bank statement to show my address I do not know these people but yet they are a Limited Liability Company, how did they get my information and how do they have the right to have my information and also request hard copies of delicate information that I have to MAIL to them! I will not mail them ANYTHING! they do not even give you the options to answer security questions online! When you try to call the number XXXX all you get is just an answering machine! This is flat out ridiculous! These people need to be stopped! They do not have the right to destroy someone's life like this! I have worked hard to build my credit to where it is and now these people just come along and destroy it! According to the automated system this company used to be call IDA Inc, I don't even know who they are either! HELP ME! Please contact my husband XXXX XXXX as he told me to file this complaint at XXXX
Consumer complaint received 2021-04-06
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)

XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NJ)

I have been patiently waiting on the Bureaus ' response to the written requests I sent with regards to WELLS FARGO BANK with account number XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2022-09-22
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: LEXISNEXIS (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-03-19
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 am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX XXXXXXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a 100 % service connected XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX XX/XX/XXXX for XXXX dollars. XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX  XXXX XXXX / XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/ XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (GA)

I have become a victim of identity theft. I recently pulled my credit report and found fraudulent accounts on my credit profile that need to be removed immediately. This has ruined my life. I see several accounts for various amounts of {$29000.00} ; XXXX ; XXXX ; XXXX ; etc. I have tried contacting the company about these accounts and nothing was done. I simply ask that these accounts be removed. I have not given any company authorization to furnish anything to my credit profile which is a direct violation of my privacy and rights as a consumer. Please fix this issue.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX transferred its credit card business from XXXX XXXX to Barclays Bank around XX/XX/2022. Without notice, Barclay Bank  XXXX imposed a {$100.00} per month purchase requirement upon cardholders. If this is requirement is not met, a {$2.00} per month fee is imposed. On XX/XX/2022 I was charged a fee of {$2.00} pursuant to this requirement. While such a charge might seem de minimis, the purchase requirement is not. No information concerning this fee is found on the Barclay Bank  XXXX website nor do the FAQs mention this. Prior to the change in banks, no such requirement existed, thus consumers in good faith signed up for a card that did not impose a minimum purchase requirement. Without notice, consumers are now required to spend {$1200.00} per year using this credit card or incur an arbitrary fee, which presumably can increase over time. 

I contacted Barclays Bank XXXX concerning this and was told by a representative that she could not do anything about this requirement, although as a courtesy she removed the {$2.00} from my account. 

While closing a credit card account is an option, this action can adversely affect one 's credit score for a several reasons. When a consumer loses the available credit limit on that account, her credit utilization ratio jumps, thus suggesting that the consumer is using a higher amount of her available credit. 

I believe this requirement to be inequitable, discriminatory and illegal, and particularly harmful to XXXX  such as myself who are retired and on a limited income. We did not sign up for this.
Consumer complaint received 2020-12-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The CMI Group, Inc. (NY)

I have received zero notice regarding an alleged debt. This alleged debt is not only unfamiliar to me, yet this alleged debt from Credit Management, which according to XXXX XXXX originated from XXXX XXXX for the amount of {$XXXX}. 

I have ZERO KNOWLEDGE of this debt. I received no debt validation letter from either company. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) creditors are required by FEDERAL LAW to verify, through the physical verification of the original signed consumer contract - and any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or e-mail in a fraudulent account. 

Your blatant disregard to positively verify this alleged account has hurt my ability to obtain credit and dramatically decreased my credit score, which has directly impacted by ability to obtain credit, during the Covid-19 pandemic. Shame on XXXX, Credit Management, and XXXX XXXX. 

Under FCRA, unverified accounts MUST be removed. I demand effective immediately this unverified account be removed from my account effective immediately, and my credit score GO BACK UP the 17 points it has dropped. 

This is despicable behavior.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

This is the email, I had first written to PayPal written on the XX/XX/2022, Hi, thanks for taking the time out to respond. Im currently very upset right now as I woke up to see a very concerning email regarding the closure of my account. Im writing to explain the recent transactions on my account and see if I can possibly get a release of the money in my balance. I recently sold a hoodie on the XXXX  app and I provided tracking and shipping information and the parcel should be received by the buyer by XX/XX/2022. The last two transactions were items bought on XXXX but I had refunded the buyers as I sold the item somewhere else. These are the only activities that were going on in my account as I only use this to receive money and withdraw. Im pleading to help to either undo the limitation on my account or at the very least allow me to withdraw the money in my account as I need this to pay for debts and medication for a family member. Thanks for your time and I hope to hear from you soon. They had closed my account for no reason and when I had asked them they said they believe my account may be involved in suspicious activity but they were not certain. I had explained the recent charges but they did not care and the customer service decided to initiate a very lousy response. They had also stated they will hold my PayPal balance for 180 days with no reason as to why. My email is XXXX XXXX
Consumer complaint received 2021-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (DE)

In XXXX, my husband and I had an M & T Bank XXXX XXXX XXXX # XXXX in the amount of {$25000.00} on our property located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. We satisfied that loan when we combined it with a first mortgage refinancing through the XXXX XXXX XXXX in XXXX. The property at XXXX XXXX XXXX XXXX is under contract to sell. Settlement is scheduled for XX/XX/XXXX. On XX/XX/XXXX, we learned that M & T bank neglected to file the proper documents with the XXXX XXXX XXXX XXXX  to remove the lien on the XXXX XXXX XXXX property. That negligence is costing us {$37000.00} at settlement. The abstract company is holding back 150 % of the original home equity loan. We have been told that M & T is researching our former loan and will try to remediate their error in XXXX or more days. We have spoken to the personnel in the bank and can not get clear answers about their process or timeline. We are very concerned that they may not pursue this issue with diligence since it is an old loan and at present no-one in their offices can find it in their computers. My husband and I acted in good faith by paying off the M & T loan, and now we are being financially disadvantaged because someone in their corporation failed to do the proper paperwork to remove our liability.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Greetings, My name is XXXX XXXX XXXX. 

I have been banking with J.P. Morgan Chase and have been a victim of bank fraud, prejudice, and discrimination. I recently had an account closed for no good reason. This account, I was told when I called was put on restriction. I was then told to bring them account to a good standing within ten days and the account would not be closed. I had made a promise to the customer service representative and they had made a promise back. A verbal bilateral contract. I went into a branch with XXXX XXXX dollars and brought the account to good standing. The bank proceeded to close my account. After the account was closed they offered to open a new account for me but ran the application process and I wasn't able to open a new checking with them after they ran my application. I am considering seeking compensation through representation. Considering, banking institutions only arbitrate mostly and hold a privatized kind of justice, I wanted to inform you about this matter. It is completely inexcusable. I have done nothing wrong and they have stripped me of my debit account, prematurely and with prejudice. I want compensation for the psychological affect this has had on me. I no longer trust them and I feel as though I am under attack by a large corporation. I am merely an amateur and J.P.Morgan Chase has given me an anxiety disorder. The pain and suffering my financial and mental well being are going through while resolving this matter is of my primary concern. The damage I feel is worth a settlement of at least XXXX XXXX dollars. I was treated poorly by customer service and I was victim of predatory banking. I am distraught and suffering. 
Regards.
Consumer complaint received 2022-10-05
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. (NY)

I contact the credit bureaus to do a review of credit report they did, but i did research and found improper even after they did review, the account numbers, in accordance with the fair credit reporting act XXXX XXXX  # XXXX XXXX, XXXX, XXXX are found to be improper, and violate my rights 15.u.s61681 section 602A section 2 : it also states that a consumer reporting agency can not furnish a acct without my written instructions.