davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I continuously received phone calls from Macys that exceed 4 times a day to my primary number. I had already advised the debt collector of max 3 times of day, they advise they use a dialer system and no way to know how many times they call. I filed formal complaint and evidence of phone records via fax on XX/XX/XXXX to fax provided ( XXXX ) XXXX and mailed a physical copy to the XXXX XXXX provided. I waited 15 days for a response were i called and made contact with a manager ID XXXX advised complaints received we receive a phone call from department that handle that part. I continue to wait for a response and on XX/XX/XXXX i received a call from the lead investigator XXXX XXXX and claims he had 15 days to respond since it was just provided to him. I allowed the additional 15 days to expire and still no answer to my complaint, i called again on XX/XX/XXXX ( XXXX ) XXXX and was advised XXXX XXXX not available and will contact me within 24-72 hrs. I fell this now gross negligence on the part of the investigator and Macys. I requested for all negative and derogatory reporting to my credit be removed while this investigation is on going, several violations could be happening and on going do to the system of debt dialer system that is being used to collect this debt. 

Example of a violations XX/XX/XXXX XXXX incoming XXXX 2. incoming XXXX 3. incoming XXXX XXXX. Incoming XXXX
Consumer complaint received 2022-08-23
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. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

My current account has been with Chase since XXXX. I also maintain a credit card account with them. I have a good credit score of XXXX and I have never been late with any payments. Additionally, my salary gets deposited in my current account and I've had a good relationship with the bank without any penalties or fees to date. 
I purchased a house on XX/XX/XXXX as an investment property with another lender because Chase refused to give me a home loan. This was despite having a regular salaried income where I work as a finance manager, a high credit score and no debt in any form. 
I was approached by Chase after the home purchase by one of their mortgage agents asking me if I wanted to refinance. I agreed and sent them all the required information including XXXX 's, tax forms, lease agreements, tenant check deposits etc. The mortgage agent requested a good faith deposit of {$500.00}, which I paid. The appraisal was done and the property was valued above the price i paid. My loan was locked at 4.5 %. I was asked to provide reserves, which I did, showing {$42000.00} of combined reserves. Chase now refuses to meet its promise by demanding more and more reserves, and refusing to provide the loan. This is an undue burden being placed on me, stemming out of XXXX discrimination. 
I am a woman who is not XXXX and speak with an accent. I have experienced first hand how difficult it is to obtain a loan despite having good credit, a good relationship with my bank and having my salary credited there. I never imagined that this level of blatant XXXX and gender discrimination is allowed to flourish with such impunity by banks in the USA. I am a XXXX, XXXX employee of a XXXX XXXX company and have worked in the XXXX field for over 8 years with a XXXX XXXX. 

Will Chase be demanding its white clients to jump through so many hoops? Would it require its white, male clients to pay higher than normal interest rates for the same risk profile? Would it expect its white, male clients to provide years of mortgage payments as reserves? When do immigrant women become 'perfect ' enough for Chase to provide a loan? 

They have no legitimate reason to back out of this agreement. XXXX XXXX the mortgage agent suggested that I shop other loans just in case. In case of what? In case Im not white enough, my name not anglicized enough or not male enough? If my salary is good enough for Chase to accept and do business with, then my credit should be good enough for a loan. Chase can not be allowed to blatantly discriminate and get away with this kind of shameless, immoral and unethical mortgage discrimination anymore. Its XXXX and not the antebellum South. Its time Chase realized that as well.
Consumer complaint received 2022-08-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Turning Point Solutions LLC (MI)

On XX/XX/XXXX at XXXX EST. XXXX XXXX called me and said that they have my Social Security number and read it back to me. Then read my Drivers Liecense number back to me. 
Told me I took out a loan with XXXX XXXX XXXX on XX/XX/XXXX which I told them I never took out that loan. They told me I did and they have proof from a bank I do not have an account with that was not even a bank in XXXX ( XXXX bank sold out to XXXX and XXXX in XXXX ). Then said I worked XXXX XXXX XXXX winery which I have not worked there since XXXX. 
I told them that I filed this as a identity problem with another collection agency. They hung up on me and said they will file a lawsuit. 
I called back and asked for an address and was hung up on after being told they are in XXXX Georgia. 

XXXX XXXX loans is supposed to be the original debt that I do not have any clue of and XXXX XXXX is harassing 's me.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WA)

i have an XXXX XXXX XXXX car loan # XXXX XXXX for {$260.00} monthly and all 3 credit bureaus have removed or blocked from my credit file. I called and they said i disputed is as fraud and I DID NOT. I ASKED TO HAVE IT REPORTING AND THEY SAID THEY COULDN'T. I called the credit union and they said it was a credit bureaus issue.

I need this back on my credit as it is my account and i need it showing. Please get this fixed by having it report on all 3 bureaus I never filed any fraud dispute with this loan
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I have been unable to get my free annual credit report from Equifax online. After entering my request at annualcreditreport.com and selecting a report from Equifax, when I reach the Equifax website and enter the last 4 digits of my SSN, the response says " Online Delivery Unavailable ''. I had this problem when requesting my report last year ( XX/XX/2017 ) and it is happening again. When I ask why can't I get my report online, NOBODY at Equifax has an answer.

I do not wish to have my credit report coming to me through US mail. The process is not secure, there are too many opportunities for that piece of mail to be intercepted. Only Equifax has this problem, both XXXX and XXXX XXXX make online access to the report readily available. 

I realize Equifax had major problems with their breach last year, but they are failing to deliver acceptable service to their customers.
Consumer complaint received 2021-06-24
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)

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name XXXX, EQUIFAX, XXXX Credit Bureau Address Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my XXXX, EQUIFAX, XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXL XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Consumer complaint received 2022-10-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

My mortgage loan servicing was transferred to a new servicer in XXXX this year. I have made XXXX payments to the new servicer that they have lost and they have been unresponsive in correcting the problem. They have never contacted me or indicated that anyone is working on the problem. I have been in contact with them at least XXXX times trying to correct the problem. The original problem seems to be that I imputed the wrong account number when initially setting up the payment with my billpayer and this was identified on their first contact. The payments are made by electronic funds transfer and I have verified that the payments were sent to the servicer. I have also sent documentation to the servicer that the payments were sent from my financial institution. According to law they can not report a missed payment for 60 days but we are close to that deadline and they have not done anything to correct the problem.
Consumer complaint received 2018-09-04
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone moved into an apartment using my information using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX XXXX Both accounts ) This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up another car loan using the same social security number, birthday, etc. I had already bought a car here and they took advantage from XX/XX/XXXX. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

I have attached a police report proving this, so please remove it!
Consumer complaint received 2019-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC (FL)

On XX/XX/XXXX I sent a complaint regarding : It has come to my attention that lenders must be licensed by the State of Florida in order to offer loans to its residents. This company has no license in my state, the loan contract is not valid. 
On XX/XX/XXXX, I received {$600.00} from Big Picture Loans. To date, I have had 8 bi-weekly withdrawals of {$140.00} debited from my account. I have paid a total of {$870.00}, of that XXXX in interest and {$55.00} in principal. This is {$270.00} over what I was originally loaned and should more than satisfy my obligation to the company. I am no longer able to make any more payments to this company. 
On XX/XX/XXXX-The company responded telling me they were not subject to any state laws and : Our records indicate that your current balance is {$810.00}. This includes the Principal Amount of {$540.00} plus the Finance Charge of {$260.00}. Please review and assist with this issue.
Consumer complaint received 2022-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank is incorrectly calculating the interest and principal portions of my fixed rate 20 year term amortizing HELOC. I have repeatedly contacted them both on the phone and in person at a branch location. Each time, they say they will look into it and get back with me but so far nobody has contacted me back.
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (NC)

Someone has been perpetrating me and still my identity and applying for credit from major agencies, such as XXXX XXXX XXXX, Self Financial, XXXX XXXXt, and XXXX XXXX XXXX. I have been a victim of Fraud and need immediate assistance. Thank you
Consumer complaint received 2022-07-21
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: WELLS FARGO & COMPANY (FL)

Wells Fargo reported inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting act XXXX, # Account : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-29
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. (GA)

XXXX is discriminating against me as a XXXX XXXXXXXX XXXX and my Account ending in XXXX has not been updated on my Credit Report as " Settled '' within the Payment Status area to properly update the " algorithm data '' which calculates your Credit Score. The XXXX Account has been paid and Settled. 

I also contacted XXXX XXXX XXXX, XXXX on last week on or about XX/XX/22 who received and processed my payment for {$690.00} on XXXX and stated they notified XXXX to update my credit reports once the Payment had been processed. However, XXXX has not updated my XXXX Account or Equifax account.
Consumer complaint received 2019-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

On my account I am nearly at my 120 payments for public service loan forgiveness. In XX/XX/2017 my number of payments was incorrect and I learned in XX/XX/2017 ( almost 15 months ago ) that approximatley 6 to 8 payments were not counted despite being on auto deduct. I was told a manual review would take 90 days and it is STILL pending. By my calculations my 120 payment will be done come this XXXX XXXX or XXXX. I need my account to be reviewed ASAP and the correct payments posted so I can file for the forgiveness. I have called every few months and get the same explanation each time but nobody has helped.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

IC Systems has listed a collections account at all three credit bureaus. The account has been closed since XX/XX/2014 and all receipts are included in this document. IC systems requested my payment receipts. I provide all receipts of the balance being paid in XX/XX/2014. IC Systems refuses to remove this negative collection account from each credit bureaus and offering a settlement of {$100.00} to remove the debt. I told IC Systems that I don't owe them anything and refused to settle with them. They told me that the debt will remain until I pay the settlement. Please investigate and have IC Systems to remove this from my accounts.
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

Letter dated XX/XX/XXXX, did not get in the mail until XX/XX/XXXX stating I owe money for something I have no idea what it is for. Says the account was created in XXXX principle balance XXXX and interest of XXXX interest and fees of XXXX. Saying this was sold to Resurgent. 
Received another letter dated XX/XX/XXXX did not get not get in mail until XX/XX/XXXX. 
Sent Resurgent a notification to let me know what this account is for, currently waiting on their response. 
Also why would it take them 4 years to contact me?
Consumer complaint received 2018-09-04
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. (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX - I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2022-07-21
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. (CA)

I have an inquiry on my credit report from XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to XXXX about 4 months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!
Consumer complaint received 2020-06-15
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 (FL)

In XX/XX/2019 XXXX Paypal account of 10 years got restricted, preventing us from receiving money or transferring money out of the account. We received a document request and we responded to all quickly with the requested information with no further responses from PayPal. After numerous calls to customer service, I was told the restrictions will be lifted within 180 days. I never happened regardless of our efforts. 

We have called customer service several times who are unhelpful and say there is nothing they can do other than file a ticket with their " back office '' but never provide contact information for someone who we can speak to directly to resolve this problem. 
And lately, we can not even speak with someone on the phone or get an email response. 

We feel like we are being **bleep** around with here and at this point, Paypal has wasted several dozen hours and thousands of dollars in losses for our business.
Consumer complaint received 2022-08-01
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. (NJ)

The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX