davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NM)

The evening of XX/XX/XXXX I learned that I was a victim of an email scam and wire transfer fraud resulting in a loss of {$54000.00}. 
We sold our home in XXXX, CO. We closed on the sale XX/XX/2018. 
We were in the process of buying a home in XXXX, NM. We were closing on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, NM XXXX. 
XXXX XXXXEscrow Officer XXXX XXXXEscrow Officer XXXX XXXX It was revealed at this time that a company who claimed to be the closing partner of Old XXXX XXXX XXXX had requested a wire transfer from us for {$54000.00} on XX/XX/2018. We wired the money to the partner. Buyer, XXXX XXXX XXXX sent an email to XXXX XXXX, the Mortgage Consultant asking if this was a legitimate request. He [ bogus reply ] responded, I advise for you guys to wire {$54000.00} ( Cash to Close ) today to the wiring instructions sent by XXXX this morning. I wired the money as per the Wire Instructions. 

The parties involved were : XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX-Escrow Officers XXXX XXXX American Financing, XXXX XXXX-Mortgage Consultant XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX , CO XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX-Agent XXXX XXXX XXXX XXXX  XXXX XXXX . XXXX XXXX, NM XXXX My desired resolution is to get my money, {$54000.00}, back. 


Wire Transfer date : XX/XX/2018 Sent from : XXXX XXXX XXXX Wire transfer amount : {$54000.00} Reported fraud on XXXX XXXX XXXX Checking account frozen per advice from XXXX XXXX recommended that I file a police report Action taken by XXXX : Recall As of my inquiry on XX/XX/XXXX to XXXX, the investigation is closed. The receiving bank, J.P. Morgan Chase declined the recall. According to information given to me by XXXX, the bank that received the wire transfer had its routing # and account # at XXXX XXXX XXXX XXXX, XXXX, NY.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2022, I signed up for the PayPal Cashback Mastercard. I was responding to a promotion whereby new card members who spend {$500.00} within 90 days would receive a {$150.00} bonus. I did not receive the bonus, as promised in the promotion. I called the customer service number, who referred me to PayPal. PayPal referred me back to the issuing bank. I tried calling the bank multiple times with no resolution.
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: EQUIFAX, INC. (IL)

On XX/XX/2022. I received a copy of my credit report and Found Several Fraud accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked XXXX, EQIFAX, AND XXXX to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an XXXX Specialist to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on purpose.
Consumer complaint received 2022-05-13
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)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XX/XX/2020 @ XXXX, I called XXXX XXXX XXXX and discussed a possible settlement for a debt I owed of {$710.00}. I spoke with XXXX along with my financial counselor being on the call. My counselor asked for a lower settlement. I could not make the settlement he initially offered of {$570.00}. XXXX said he could not accept our offer. My counselor asked for the payment address because I could not pay the settlement in full and XXXX refused to give us the payment address. Stated that our {$25.00} payment would not be acceptable. My counselor again asked XXXX what the payment address is and again he refused to give us the address. We informed him that we would be filing this complaint.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ECMC GROUP, INC. (AZ)

XXXX XXXX has been calling me at work over a debt of taxes from Indiana Department of Revenue. XXXX XXXX has been paid in full. This week XXXX XXXX put a levy on my bank account with XXXX fraudulently. 

XXXX XXXX is nothing but fraud. All the payments that they collected from the State of Indiana has never been transmitted to Indiana at all. XXXX XXXX obviously kept the money for themselves. I have proof from the bank that all funds were transmitted to them. I have shown them. Plus XXXX XXXX was licensed in Arizona in XXXX ; they debt goes back 15 years in XXXX therefore they don't have the license to collect the debt either.
Consumer complaint received 2022-01-07
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. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-08-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cadence Bank (TN)

I applied for a FHA mortgage loan with Bancorpsouth in XXXX, AL in XX/XX/XXXX. During the loan process my credit was pulled and I was questioned on one of my creditors ( XXXX XXXXXXXX XXXX XXXX ) and the Creditor was called by XXXX XXXX to gain further information. There was discrepancies on the part of the Creditor ( XXXX ).  I explained to the Loan Officer the discrepancies. I proceeded to contact the Creditor to get the incorrect information corrected. The Creditor did an investigation and during their investigation, they found that they had in fact provided the incorrect information. Bancorpsouth requested further information from the Creditor. The Creditor stated it would take them 10 days because they would have to do another investigation. The Loan Officer insisted I hindered the Creditor getting the information to them because I had contacted them to correct what they had wrong. Bankcorpsouth asked XXXX for a pay history before, during and after the bankruptcy. I had disclosed to Bancorpsouth that I had filed a Chapter XXXX bankruptcy and at the advice of my Attorney, I surrendered the home in the Chapter XXXX and the house sold in XX/XX/XXXX, the bankruptcy was filed in XXXX ; therefore, there would not have been a pay history during and after the bankruptcy. I was denied my loan and I am inclined to believe the true reason of my loan being denied was based on my race ( XXXX American ). On XX/XX/XXXX the Loan Officer put derogatory information into the HUD system about my denial before I had received a letter from Bancorpsouth informing me that my loan had been denied. I find it very ironic that she input the derogatory information into HUD only after another Loan Officer from a different Mortgage Company requested the information from her. Due to the derogatory information that was put into the HUD system, this prevented me from getting a mortgage loan with the new mortgage company. I personally think this was a vindictive act from the Bancorpsouth Loan Officer and the Underwriter. I did not receive my denial notification from Bancorpsouth until XX/XX/XXXX days after the derogatory information was put into HUD.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Vonda J. Dunn, P.C. (VA)

on XX/XX/2018, Vonda J. Dunn Attorney used illegal debt practices to get money for Home Owner Association Fees. She was told by lawyers she could not collect XXXX and instead took the money prior to the bankruptcy and moved it over to post bankruptcy allowing the courts to take my money from my daughters account. Her social security number is not associated with any of my accounts. Vonda Dunn repeatedly refused communication and I had already paid over XXXX on this account. She has repeatedly used illegal debt practices to collect on this HOA account. I want restitution on this.
Consumer complaint received 2022-08-23
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # # # # # # # XXXX, and XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I noticed unauthorized account on my credit report. Someone else applied in my name According to the FCRA this Unauthorized and unverified account must be removed immediately. 

XXXX XXXXXXXX XXXX : Account # XXXX Date opened XX/XX/XXXX ( 3 yrs, 10 mos ) I also noticed an Unauthorized Inquiry that i did not approve The inquiry is unauthorized and unverifiedand must be removed immediately. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: VYSTAR CREDIT UNION (FL)

I had a Card with Vystar. I was traveling and I made a reservation for a hotel in XXXX. Which I authorized the hold on my card for the reservation which was a little over {$800.00}. When I checked in to the hotel they actually removed the hold and charged my card right there at check in for the {$800.00} and some dollars. I was traveling and staying in several hotels for a couple weeks so I was constantly checking my account several times a day. What I got to my room and unpacked I checked my account to make sure everything was good and see what my balance was after paying for the room. Everything added up and was fine. However, when my stay was up and I checked out I returned the keys and they said my small deposit would of {$100.00} would return to my card in about 24-48 hours ( the deposit for cleaning and damages ) that was returned to my card no problem however I was charged the entire stay of {$800.00} was charged to my again. It was not the deposit for damages it was the actual amount for the whole stay. I fought back and fourth with the hotel which said it was Vystar and Vystar said it was the hotel. I never got a resolution and never got the money back. BUT now I noticed it is on my credit report which my credit was perfect no late payments or collections. nothing! This is negatively impacting my credit and I cant get any help form anyone I call or send mail to. I understand the money is gone and I wont get it back but this is not ok that my credit is now effected and I cant do anything about it. Please help. Thank you
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On XX/XX/2022, I made a transfer from XXXX Bank to Bank of America, the payment amount was {$1200.00}. in XXXX and XXXX there were requests from Bofa clarifying the meaning of the transfer ( payment for the delivery of goods ). There were no further requests. In XXXX, a clarifying message was sent via XXXX about the status of the payment, but there was no answer. Later they sent a request for a refund, again they did not react in any way and there was no answer. The funds have not yet been delivered to the recipient or have not been returned to me. 
For all attempts to personally apply to BOFA, I received an answer that they were not entitled to communicate with me and that only through requests from the sender 's bank. At the moment, it turns out that BOFA has been illegally withholding my funds for 3 months, which can already be regarded as theft XXXX XXXX was the correspondent XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Center Inc (ND)

I have had garnishments for my medical debt for approximately 3 years now. I did not know that collection center inc. was doing this until I went to try for a home loan. Apparently when my garnished amount gets to collection center inc., they apply {$1.00} to every bill we have with them. This seems very unethical because the amount I owe them never seems to decrease. I am not understanding why they do not apply the money to the lowest bill owed and move up from there so that some of the individual bills are paid off in full. The way that it is being paid now causes it to look like I pay nothing because the interest adds up more than what I have paid on each individual bill. This seems to make it look like I do not pay them at all. This issue is the only reason I was denied my home loan.
Consumer complaint received 2018-08-16
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. (AL)

I have continuously called and disputed fraudulent credit cards that were opened using my personal information. The representatives I have spoken with have not made any effort to help me. I have also submitted an identity theft report. The representatives have been very rude and unhelpful in this situation.
Consumer complaint received 2022-04-25
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: CBC Companies, Inc. (TX)

I have called company multiple times over the past few weeks and submitted claim to get this resolved and the issue is still not corrected. I am unable to view my credit report and score and mortgage company can not generate report stating the credit file is suppressed. I spoke with XXXX who stated they could see my report and score on their end and did not know what the issue was. this is very concerning as they have no other alternatives to resolve the issue outside of escalation. I can not close on my home until this issue is correct in the prior complaint XXXX never corrected the problem.
Consumer complaint received 2020-04-15
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: CITIBANK, N.A. (ID)

On XX/XX/2015 I bought a wedding ring from XXXX XXXX XXXX. The ring was priced just under {$900.00}. When I told salesman I would take it he said : " 6 months same as cash ''. I was living in XXXX. My sister and brother n law went three times to pay the ring off before the XXXX month. A new sales person was disappointed they weren't there to buy something and said, " Without an account number I can't help you. " This was an untrue statement. About two years later I came home and went in to pay the ring. They said " Without an account number there nothing we can do. '' I got the manager. He made one phone call had my account number and a service representative on the phone. They said I owed nearly {$1300.00}. I explained what their sales staff did. The rep. agreed with me and I paid off the ring for the original price. Now I see they are ruining my credit. I want this report amended to show it was their fault not mine. We ( sister and I ) will take them to court if this isn't settled.
Consumer complaint received 2020-04-15
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. (VA)

Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX ( XXXX ) 2. XXXX/XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX   ( XXXX ) 7. XXXX XXXX XXXX ( XXXX ) 8. XXXX XXXX ( XXXX ) 9. XXXX XXXX XXXX ) 10. XXXX  XXXX XXXX   XXXX ( XXXX ) 11. XXXX XXXX ( XXXX )
Consumer complaint received 2018-08-16
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. (TX)

I have attempted multiple times to address this error with XXXX XXXX XXXX XXXX ( XXXX ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). XXXX needs to delete this innacurate information from all 3 of my credit reports immediately. 

I have a settlement agreement with XXXX entered on XXXX XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my Equifax report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. 

FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed.

Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' .... 

# 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal. 

Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX    XXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}. 

During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with XXXX, this is devastating news.