davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC (TX)

On XX/XX/XXXX I made a payment of {$500.00} to best egg to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment Best Egg reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called Best Egg and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with XXXX on XX/XX/XXXX and Best Egg LIED to XXXX stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX Best Egg reports to XXXX that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with XXXX on XX/XX/XXXX Best egg again lies and tells them the information currently on there is correct. I have called best egg multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with XXXX and they still refuse to update my balance. I filed another dispute with XXXX on XX/XX/XXXX and that is pending. I just got off the phone with best egg and now I was told I need to send them a request to have this looked at and it could take 30 days.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (OK)

I have been going back and fourth with this debt collection company for almost a year now. I've reached out to the Credit Reporting Agency and the companies themselves! I've filed a XXXX  complaint, FTC Complaints and sent numerous letters and everything. But still nothing is happening at all it is still on my credit report. They sent me statements and bills with a completely different name and i told them that this is not my account, i never received any goods or products nor have i personally ever made a payment to this company on my account. This is causing me stress and really hurting my reputation.
Consumer complaint received 2022-10-21
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. (FL)

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXXXXXX XXXX  Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX Company Name : XXXXXXXX XXXX Date : XXXXXXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.
Consumer complaint received 2022-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I was transfer to a new mortgage company. 
In XXXX I was told I was negative {$6500.00} in escrow. I dont understand how that can be. Now XXXX Im told Im {$18000.00} negative in escrow. I need help to see why this is. 

This company says they have to pay XXXX XXXX {$8000.00} but I checked the county website and it only states {$4000.00}. 

Mortgage company is mr cooper
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (MI)

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. 

XXXX XXXX XXXX # XXXX 
XXXX XXXX # XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccute
Consumer complaint received 2022-01-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Service Finance Holdings, LLC (IL)

On XX/XX/21, I had a consultation for finishing my basement and was told about financing offers with a company called XXXX. I was informed of the payment and loan amount. I later received notice that my credit report was requested at 4 different banks/financing companies that I was not made aware of nor agreed to have them request a copy of my credit report. These were Service, XXXX, XXXX  and XXXX and resulted in additional hard inquiries. I have since cancelled my project because of the misinformation on financing and credit pulls.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NY)

I recently file a complaint with the consumer financial protection bureau on XX/XX/2021 against XXXX XXXX XXXX. At this time i request a cease of all written and oral communications and gave a list of violations under Fair Debt Collections Practices Act. At which stated each violation is XXXX 15 usc 1692k ( a ) ( 2 ) ( a ) and to verify this alleged debt 15 usc 1692g. XXXX XXXX XXXX did not remove collections while in dispute from my consumer file with the credit reporting agencies under Fair Credit Reporting Act 15 usc 1681i ( a ) ( 1 ) ( a ).

I was sent a summons though the mail in XXXX  that I was being sued in civil court in XXXX and another statement for payment which their main offices are located in virginia which is a violation per federal law to sue someone in another state. 
Which is violation of previous agreement from response to cfpb and a letter was sent to me though mail to cease all communications 15 usc 1962c ( c ) and 15 usc 1692c ( c ) ( 1 ).
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (CA)

On XX/XX/2021, I received a one-page demand letter from the above referenced company. The letter fraudulently claimed that I owe about {$5000.00} on a fictitious credit card account. I contacted XXXX  XXXX XXXX, and they instituted a fraud investigation. I believe I am the target of a criminal attempt to extort me of money based upon my status as a Senior Citizen. I can only imagine how many other senior citizens also received a similar letter. I DEMAND A FEDERAL INVESTIGATION OF THE COMPANY 'S PRINCIPAL, XXXX XXXX.
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (OH)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, DEPT OF ED/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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (TX)

After the complaint against Barclay for them messing up my account, they lowered the limit on my card as retaliation. NO other card has done this. I was also supposed to receive a letter stating that my credit and so forth would not be impacted by this mess they created. None of that happened and even after an email, the office of the president didn't respond.
Consumer complaint received 2022-01-04
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. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

Citi credit card company cut my available credit limit in half without warning ( XXXX 2020 ). When I called customer service, they informed me that they had checked my credit score and decided to decrease my available balance without warning to the customer. I had had no prior issue with this company or billing concerns. My credit score dropped directly because of this action by Citi, and they were unwilling to work with me to solve the issue. After many calls, and many hours on the phone, I was never transferred to management or anyone above the initial customer service branch who I could have worked with further. The treatment by this credit card company was abusive to say the least. I closed my account ( XXXX 2020 ) with them because they were awful to work with, and had zero care for a customer who was willing to work with them. I have made consistent monthly payments since closing the account and am now, two years later, still being told that it will be another 3 years of paying over double the minimum payment before I will pay off the balance due to the predatory annual percentage rate. Based on the company 's actions without any communication with the customer, the lack of customer service, refusal to connect the customer with a manager or higher ranking business employee for more insight into my specific account situation, predatory interest charges, lack of explanation into the outcome of closing an account with them, and lack of communication with the customer regarding changes being made to their account, I am filing this complaint.
Consumer complaint received 2022-10-21
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)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TN)

I've emailed MOHELA, my loan servicer, twice and received no reply. The first was on XX/XX/2022. I don't remember the date for the second email. 

On XX/XX/2022 I called MOHELA at XXXX XXXX. The automated system told me my wait time was 114 minutes. I stayed on hold for nearly eight hours before I was hung up on.
Consumer complaint received 2016-12-07
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: 360 MORTGAGE GROUP LLC (WA)

The 360 Mortgage Short Escrow Account Disclosure shows that the 2016 second quarter payment actual was {$1000.00} ( Attachment 3 ). 

The XXXX Treasury ( Attachment page 1 and 2 ), Attachment page ( 2 ) two indicates that the total payment made by 360 Mortgage amounted to {$580.00}. As a result the escrow account payment due to me, is {$450.00} short.
Consumer complaint received 2022-10-21
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)

XXXX Student Loans have been discharged by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of discharged loans, and be able to update credit files expeditiously. I have submitted all 3 bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX  CREDIT REPORT XXXX XXXX, EQUIFAX AND XXXX. Before I had this to my currently lawsuit against 2 of you all.
Consumer complaint received 2022-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hi, I tried at least 5-10 times to resolve this problem and explained everything to the Bank and Credit bureau at different different times. but they never helped me. The last date I tried with credit bureaus is XX/XX/XXXX, XXXX but they still not helping me. 



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 CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE 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
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY (SC)

a XXXX transaction wells had me to make along with a wells to XXXX  transacton that did not go through they have me losing {$1000.00} because they had me to do a transaction to my sons account when 2 wells banks refused my service becasue of my XXXX, they will say they dont believe in that but the way i was humiliated the cameras dont lie neither transaction went through i had to cancel the XXXX  transaction in order to recover those funds and they went the 7 day process to deny the XXXX  claim also denying the fact that i had fraud on my account the day XXXX  fraud transaction kept me from receiveing my funds i am owed XXXX from wells fargo... THEY WOULD NOT GIVE ME BANKCARD FOR THE LAST 2 MONTHS I HAD ACCOUNT AND THEY MADE A QUICK DECISON ON XX/XX/XXXX TO CLOSE MY ACCOUNT OWING ME THIS AMOUNT OF MONEY..WHICH IS NOT RIGHT... .IF I OWED THEM THEY WOULD HAVE ME IN EVERY CREDIT SITE YET I DONT HAVE THE RESOURCES THEY HAVE AND THEY HAVE TAKEN MY XXXX FROM A FRAUD TRANSACTION THEY CREDITED EVERYTHING ELSE ON MY ACCOUNT ON THAT DATE XXXX TRANSACTION AND A XXXX TRANSACTION BUT REFUSED TO CREDIT THE {$320.00} FROM XX/XX/XXXX AND A XXXX XXXX TRANSACTION FROM THE BEGINNING OF XXXX
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

This is the closest thing. This bank uses Posting Date and Transaction Date synonymously. When pulling the transaction history, I can not tell what has already been paid, and what has not. When I tabulate each month 's expenses, the sum of the transactions viewed are always less that the " current account balance '' usually by a couple hundred bucks. This is due to them posting charges that are back dated into the previous month. 
I have had 2 phone calls and 3 online chats with them since opening the card in XX/XX/2020. Each time I offer to explain this to their technical team if they have any questions. I get told that someone will escalate. And that's where it ends. 
While I can not prove anything shady, the backdating practice does not allow me to feel confident in the bills they are telling me to pay. This is also the fist bank that I have seen backdate the posting date of the charge to the transaction date.
Consumer complaint received 2022-10-21
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)

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 wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX  XXXX
Consumer complaint received 2021-05-14
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. (MO)

I viewed my report and discovered there were unverified accounts. I reached out to bureau and it was not corrected. here is the item : XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (KY)

Mr Cooper has done nothing but lie and deliberately hold paper work that I was supposed to be sent and turned me down for hardship over 2 years ago they've raised my payments and over charged me talked to people not in the account I've got nothing from them in over 2 years XX/XX/XXXX and it said they had made a mistake I've asked numerous times why I'm not getting my statements from them then sat I got for closure papers ther crooks
Consumer complaint received 2022-10-21
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$890.00}.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services, because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. My file has also been merged with someone born XX/XX/XXXX, This is a violation per FCRA. Equifax, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This has caused me tremendous XXXX, stress, and financial hardship.