davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
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. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

The City of XXXX will be putting a lean on my property XX/XX/2021 because of unpaid property taxes in the amount of XXXX that hasn't been receive from Gregory Funding. 

I make my payments Each month to Gregory Funding which includes payments towards property Tax. 

I have XXXX $ in my Escrow Account that Gregory Funding has access to but they have not made any payments towards my Taxes. 

I had several Communication within the past three months with Gregory Funding and FHA and nothing has been resolved at this moment.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-10-11
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: Exeter Finance, LLC. (MD)

In accordance with the fair credit 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 604A section 2 it also states that consumer reporter agency can not furnish an account without my written instructions.

Under 15 USC 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 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Multiple fradulent charges appeared on my citibusiness card. The company XXXX citi XXXX discovered this, informrd me and reversed the charges all of which occured in XXXX. Subsequently, XX/XX/2019, I received a statement requesting a payment of {$270.00}. I had not made any purchases. This amount was carried over from the fraud in XXXX or from the foreign transaction fees that were associated with those purchases.I spent many hours on thr phone attempting to resolve this matter, Was assured it would be rectified.the next ststement, XXXX, still asked for payment of {$170.00}. I had made no purchases. I had cancelled the credit card. Again spent hours on the phone to resolve. Was told charge would be removedXXXX statement came with amount due now {$210.00} having added penalty.Again called to resolve. No progress.XXXX bill arrives asking to pay $ XXXX.More phone calls and assurance it would be addressed. XXXX statement comes with {$300.00} due. Phone call to their security XXXX XXXX XXXX XXXX ) reveals case closed no action being taken. Citibusiness card ending XXXX reissued after fraud ending XXXX. Now cancelled. Name on card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl, XXXX.
Consumer complaint received 2022-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (TX)

Hello. I contacted Seed Fi to inform them my hours have been reduced at work and I am facing a possible XXXX with the XXXX XXXX XXXX. I have to start getting my affairs in order if I am XXXX. I have asked four times for a payment modification to assist me during this time so my security clearance is not put at risk due to late payments. My payment record is perfect, I just need assistance for a short period of time, but Seed Fi says no over and over even when I disclose I am a service member. I need to reduce my payments from {$200.00} per month to maximum {$100.00} per month.
Consumer complaint received 2021-01-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (PA)

I had a personal loan with those XXXX  XXXX over at Wells Fargo. Final payment was XX/XX/21 with a balance of XXXX. For the past 4 years I had auto-payments set up. Which did not go through for the last payment. 

They also have the payment due of XXXX, which has been the payment for the past several years. 

Why they didn't take the auto-pay like every other time. And why are they having the payment as XXXX dollars more than the balance? 

Probably because they are XXXX XXXX XXXXXXXX. 

Thanks for doing your job at the CFPB. Stick it to them for me!
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (NE)

I called when I saw my balance was {$0.00} the last transaction was by XXXX XXXX in the ammount of {$15.00} the customer service line told me it has to be a completed transaction to do anything. They lied and treated me like a XXXX.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (UT)

According to the FCRA I am required by law to have accurate and up to date reporting on my credit report and an old address was found on my report. The address is XXXX XXXX XXXX XXXX XXXX, Utah XXXX. Along with an old address their are old employers as well. The employers are XXXX XXXX XXXX and XXXX XXXXXXXX.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Keeping Capital LLC (NJ)

Keeping Capital, LLC XXXX XXXX XXXX. XXXX FL XXXX I agreed to work with this company about two years ago and initially paid over {$1200.00} and a monthly recurring payment of {$29.00}. Initially I thought I was getting positive results but soon found out conflicting information. The student loan was still with the previous provider and now also with a debt collection agency that Keeping Capital seems to be in contact with.According to Keeping Capital and the debt collection agency, my loan is in default, however, it's not in default with the other student loan service provider that I am working with. 

The last automatic payment that Keeping XXXX pulled was in XXXX. Since then, my debit information has changed and I have decided to cancel with Keeping Capital. LLC. I called and spoke ( XXXX ) with XXXX from Keeping Capital and expressed that I wish to cancel. She stated that it doesn't work that way and that I needed to make the XXXX payment if I wanted to cancel. She stated that I received the benefits for the month in the form of movie theater tickets and discounts. I have not received any movie tickets OR any other discount that the Keeping Capital representative stated this month or prior. 

I am requesting resolve in my effort to cancel with this agency. I called to attempt to cancel with Keeping Capital, LLC on XX/XX/2020 and I believe that should have been honored. I paid more than enough and I simply want to cancel. I do not believe that I should have to make a payment to cancel. Please help. Keeping Capital, LLC
Consumer complaint received 2021-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IL)

The Bank ( Wells Fargo ) claimed they lost my home address from their system/file and blocked all my online transactions. After keeping me on the phone for an hour and half, they told me I have to go to a physical location 20 miles away. I wasted half a day in getting this resolved for an error committed by the Bank. Bank is not providing the cause and I am concerned about my personal information not being handled in safe manner. 

Date : XX/XX/2020 Action : I was attempting to use Express Send / Money Transfer.
Consumer complaint received 2019-01-18
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. (CA)

Earlier this year I submitted a complaint via the CFPB portal about Equifax 's investigation to a previous dispute and their failure to comply with the FCRA by not properly verifying two accounts on my credit report nor providing me with the proper method of verification per my request. A new investigation was opened and on XX/XX/XXXX, Equifax responded by saying they were unable to locate a credit file with the identification information that I provided. 1st, I did not provide any identification information. 2nd, the address that they have on this letter includes an apartment number of an old address and they are associating it to this new address which is a house, not an apartment. They are asking me to provide 2 forms of identification to match what they have on record for me as my address, but what they have on record is incorrect. There are two problems here. One, this is a dunning letter which is meant to stall the investigation process to buy them more time. That is unacceptable because their records are wrong and need to be fixed on their end, not mine. Two,  Equifax already has my identification information on file because when I call in about my account they are able to successfully locate my file and matching identification. This is a method to stall my original request to have the following accounts removed because Equifax can not properly verify them : XXXX, acct # XXXX and XXXX XXXX XXXX. Not only do these accounts need to be removed, but my proper address needs to be updated.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

We went through a foreclosure /modification under the auspices of XXXX County Court in XXXX XXXX New York . Several things happened during this process that we feel were not right. First off Di Tech had held 5 months of payments in Suspense while filing a foreclosure action against us. They did not acknowledge having the money until we brought it up in court. Then miraculously the money over ( 10,000.00 ) was returned to us. After much grief and stress we were finally offered a modification plan still with an exorbitant amount of interest for these times ( 5.375 % ) and we made our trial payments. The referee ruled we had to wait for the bank to put the mods in place a process delayed for no apparent reason by the bank for 2 months until the referee ordered someone to appear before her if this was not done later in XXXX I believe. Our modification period ended in XXXX and we were just making payments as we were told. All of a Sudden XXXX bill came in with additional charges of 300 plus dollars for " Legal Fees " we stated we were told that these fees were what was added into the loan because over 35K was added back to our loan. We were told in Court that these fees were the money we were waiting for them to add on to the mortgage to come up with final numbers. We got these final numbers which was not until XXXX or XXXX. Then in XXXX we get these additional charges and when we called Di Tech they said more would be added in XXXX. We have deducted this 600+ dollars from our payments and told them this money should have already been included in the numbers and at this point if it wasn't it was their loss. 
Today I received a response from Di Tech and the Representative was nasty and said well then they will just add them on to the end number and I said they have already been added in and if they did we would surely be in court again.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

I closed my Macy 's credit card in XXXX, 2020 and in XXXX, 2020 I paid the credit card off in full. In XX/XX/2020 I was sent a refund for overpaying my account. In XXXX, 2020 Macy 's charged my account ( which had been closed since XXXX XXXX {$11.00} and did not notify me at all. As a complete refund for the overage was sent to me in XXXX and the account was closed I still am not sure what the {$11.00} is for but in XX/XX/2020 they reported me 30 days late to the credit agency for the {$11.00} that they still had not notified me was due. I have an excellent payment history with this company and I have tried several times to call them but I get transferred or hung up on or told that they can not remove the 30 day late payment and another company reports for them. I asked to speak to that company and after being disconnected 3 times and having to call back and explain all of this over again to Macy 's I finally get transferred and was told that it would be removed immediately. Then I receive a letter from Macy 's saying that they can not remove it because the payment was late. Nothing about how the payment even placed in the first place or that I was not notified at all that something was put on my credit card that was closed and had been closed for months.
Consumer complaint received 2021-01-05
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. (MS)

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XXXX XXXX file and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

On XXXX, 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$2600.00} XXXX XXXX  XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-10-11
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. (DE)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-11
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-05
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: SYNCHRONY FINANCIAL (PA)

I have recently be alerted of several recent inquires that I have not authorized I have contacted the companys and well as the credit bureau to resolve this issue. With me having credit freeze on my report Im not understanding how my information is being shared Im trying to Build positive credit and Im being pulled down at the same time my information should be SECURE! I have asked the listed below companies to removed the inquires and have yet to do so. I have followed the FTC process police report etc .. per SECTION 604, 611 of the FRCA these unauthorized inquires should be removed! 

XXXX XXXX XXXX XXXX  which ran my credit twice in two days SYNCHRONY FINANCIAL
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DC)

On approximately XX/XX/XXXX, I presented to this branch a death certificate and certificate of trust to name me as trustee. All documents were in order and this checking account has been with PNC since XX/XX/XXXX when it was acquired from National City Bank. Since then, going on 4 weeks now, I have been in the bank numerous times to inquire about this account as they have been holding funds in excess of {$68000.00} XXXX with no end in sight. All bank employees, including the manager, state there is nothing they can do until headquarters acts. I have not received one phone call or communication regarding the delay. The manager and employees have " heard '' they are trying to find the original signature card from 20 years ago at another bank when this is completely moot. I am now the trustee as named in the trust document that they have had for over ten years and they now should only require my signature. Just today, the manager told me he would call HQ and call me back and he never did. I am demanding the release of my funds from this bank immediately.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I have received a letter from ERC- debt collection company saying that I owned XXXX/ XXXX XXXX {$5400.00}. 

I requested and filled out the fraud packet with police report and notarized affidavit. Months went by and I got a new letter from ERC dated XX/XX/20 which said they were authorized to collect {$2900.00}. 

ERC said the XXXX denied the fraud claim because my correct mailing address was used for the fraud account. Name on the ERC letter is my maiden name with my current address. I legally changed my name to my married name roughly 11 years ago. I did not live at my current address with my maiden name. 

I have contacted XXXX. They told me to file a report here. I have contacted ERC. They said they are the middle man for XXXX. 

ERC said that they moved account back to fraud status but could not give me the next steps for getting this resolved.
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CT)

Wire transfer to my account XX/XX/XXXX & XXXX 2020, thru XXXX {$2500.00} two transaction. After those Coinbase would not let me get into my account either to forward or remove funds. I could not get on line, even change passwords, they froze me out.. When on line for a phone #, call a # and got someone to help me.. He help me to ad {$2000.00}, to my account. I thought he was a employee of Coinbase., after that transaction, somehow he remove my {$4500.00} out of my account.. His name was XXXX his # XXXX. 

Wrote two certified letters to Coinbase, tp XXXX XXXX Chief Excutive Officer on XX/XX/XXXX, and XX/XX/XXXX, and have not heard one word. Finally got a way to get into my account thru XXXX, which show XXXX balance, this was with there help line. 

I feel Coinbase has a responsibility to protect my investment, I never get a any notification funds were moved out of my account.