davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
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. (NC)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 90 ) days late and reporting a past due amount of {$11000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a payment plan in place and before I made the first scheduled payment XXXX came and took possession of the vehicle. The vehicle was then sold at auction. I was never notified of any amount due after the auction. This account needs to report a {$0.00} balance and {$0.00} past due. This false reporting is seriously harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, CA. Wells Fargo Bank. I moved I'm In with my son XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX. My name is XXXX XXXX XXXX. I had we'll over {$300000.00} in my account and my son started taking my money without permission. I authorized {$700.00} a month for rent but he took a lot more on top of that. Later I became I'll and my other son XXXX XXXX took it upon himself to take all my money, without my permission or medical paperwork and put it in his account. Because this bank institution released it to him and because the institution knew that monthly I would never spend that kind of money in the many years I banked with them, they should of stopped all monies from being used or released until they spoke with me. I went there to get my records and find out where my money went and they would not release that information to me. I believe it was XXXX at the bank, who said that he saw far to much money going out and knew something wasn't right. I need an account of all payment going out, anytime my atm card was used by someone other than myself and where my money is located now. Also I need to know if it is in my name still because I have no access to my own money and my son XXXX is spending it however he likes. I believe bank institutions are mandated reporters. They could contact XXXX XXXX at XXXX in XXXX CA XXXX Thank You. 
XXXX XXXX XXXX If you need to speak to me please call my daughter, XXXX XXXX at XXXX XXXX
Consumer complaint received 2018-11-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (CO)

I have a mortgage loan with Guild Mortgage and they have XXXX up my mortgage and I now have a sale date scheduled for XX/XX/2018. My loan is a VA loan, but Guild Mortgage literally haw never provided me one opportunity to get assistance. I suffered a severe health issue last year and fell behind on two of my mortgage payments, but got caught up after I came off doctor ordered bed rest and paid them the {$3000.00} I owed them. When I tried to make the next months payment, Guild Mortgage refused my money and said they could not take my payment. I believe they thought I was in foreclosure and did not properly account for the payments I already made. I was arguing with them for awhile, but gave up. 
Then a couple of months later I contacted them and they said I owed them {$3000.00} again, but they would not take my payment. When I asked for help their representatives ignored me and told me I had to contact HUD for help. This isnt true and they should have helped me through some type of assistance program. I contacted a law firm to help me, but they were a scam and stole thousands of dollars from me. Now Guild Mortgage has taken me down the path to losing my home through foreclosure. I have significant equity in my home and I believe that they just want to cash in on my home. I have plenty of income to afford a reasonable mortgage payment, but have not been given the opportunity to get back on track. Guild Mortgage must be the worst mortgage company in the world and I need help getting through to them. I am hoping that you could contact them and see if they followed government guidelines regarding assistance programs for VA loans.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX -XX/XX/2019 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (GA)

15 USC 1681 Section 602 states I have the right to privacy In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a Account.
Consumer complaint received 2019-08-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CA)

After many years of not being able to get out of my XXXX  XXXX XXXX loan which came to them by way of XXXX by way of countrywide I was finally able to refi through the hope for homeowners program and get out of my adjustable rate mortgage and get a fixed mortgage, they, in turn sold my loan to Ditech. 
In XXXX I contacted Ditech in order to refi to a lower rate take out cash to pay of high interest credit card debt thus lowering my DTI .... Instead of responding to me they sold my loan to XXXX mortgage. I contacted FHA to find out about programs to help homeowners stay in their homes. They referred me to XXXX loans and they denied me even though I have the equity the credit score and the income ... .plus they did not offer me any government options ... 
But yet this is the company the government told me to contact for help. 
Out of the blue XXXX ... my now NEW servicer ... ... contacts me and says they can offer me a program to take cash out pay of my debt to go towards my Debt to income ratio at a cost of {$17000.00} and 10 years of pmi payments of over {$350.00} a month even though I have over 50 % equity in my home ... ..I owe XXXX and my home is worth XXXX. I have good credit and I believe that these companies are trying to take advantage and give me unfavorable rates and loans based on being single XXXX and female which is one of the first things they all asked me about. 
My complaint is to Ditech for selling my loan in order to not do a refi. 

This is not the first time I have had to battle these companies from trying to steal my home from me ... I spent 8 months in 2009 trying to clear XXXX  XXXX XXXX attempt to take my home by them claiming I was not paying my mortgage on time which after sending them all the cancelled checks disputing their claim the were in error Nd stopped their attempt to take my home ... .but by then I was stuck in the Arm mortgage that took me years to get out of. 
I even contacted the DOJ at the time and they said XXXX XXXX XXXX  did nothing wrong but year later they he to pay the government a huge fine for their part in the mortgage crisis. 
So yet again I am fighting to get fair and equitable treatment. 
Regards
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (VA)

I applied for a Barclays credit card with XXXX rewards this past month. I got a letter stating that I was not approved due to the number of bankcards opened within the last 24 months. 
At the time of my request I had a credit score of XXXX per their rejecting letter which I am attaching to my complaint. 
I feel at this time they are not giving me this card due to the fact my last name is XXXX. 

Can you please look into this matter for me as I have a credit history with a good score so there should had been no reason to not approve me. 

Thank you, XXXX XXXX Application number is XXXX
Consumer complaint received 2022-08-07
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: DISCOVER BANK (CA)

I have been under an ongoing dispute about on going fraudulent charges by XXXX XXXX radio totaling {$200.00}! I contacted Discover on XX/XX/XXXX regarding suspicious activity on charges I did not recognize or authorize! From XXXX XXXX XXXX. I had been contacted by this company when I purchased my brand new car it came with this feature free! They called me XX/XX/XXXX to advise me my free feature was over and they would offer a discounted rate of a ONE time charge of {$35.00} for 6 months. I agreed and provided my Discover credit card number for only the {$35.00}. In XX/XX/XXXX I cancelled the service over phone, I declined said no did not listen to their radio stations and did not want to pay any more money. The XXXX phone operator continued to lower the rate to down {$15.00} lower from {$35.00} for 6 months to {$20.00} for another 6 months of air service; I hesitantly agreed ONE time charge! But XXXX XXXX fraudulently charged auto charges of monthly fees from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX fraudulently set up automatic on going ( monthly ) charges after the 6 months was over with out my authorization. I called XXXX from the phone number listed on the Discover Statement the operators that answer are from XXXX can not understand or speak XXXX ; I never received a letter or bill from XXXX XXXX Never! I demanded these charges be reversed I NEVER AUTHORIZED FOR MONTHLY CHARGES! I contacted Discover on XX/XX/XXXX to advise them of the unauthorized auto pay and dispute these charges! I was assured by XXXX in Disputes Dept. the matter was resolved i called multiple occasions over the phone in the month of XXXX, Never did I receive a letter or an update but I called Discover to follow up on my dispute. XX/XX/XXXX {$200.00} in reversal charges were charged back to my account by Discover I disputed these charges they are fraudulent! Discover disputes Dept is asking me to provide proof that I never authorized theses charges!? I asked Discover to provide me with the proof that I did authorize autopay! Because I would NEVER agree to a MONTHLY charge of {$20.00} when I had paid {$5.00} for 6 months ( {$35.00} one time charge ) on ( XX/XX/XXXX ) before! I never agreed on auto pay! Discover said my case is closed! Please help
Consumer complaint received 2018-11-16
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: CITIBANK, N.A. (CA)

XX/XX/XXXX - Dispute was filed XX/XX/XXXX - Merchant responded with incomplete data ( missing proof ) XX/XX/XXXX - I responded wth a seven page response showing : What was expected and what was received. Also included correspondence with the merchant. 
XX/XX/XXXX - City investigators responded and asked for proof the merchant said he would refund me XX/XX/XXXX - Citi re-opened the investigation and told me to call back in a week XX/XX/XXXX - Called back to citi. There is no update on the investigation. Told to withhold payment until investigation could be resolved. 
XXXX - Called back to citi. Dispute representative acknowledged that the merchant did not provide the service. She said there is nothing she can do and that there were no supervisors available. 
XXXX - Called back 15 minutes later. Spoke to supervisor -- a work request is issued and a {$100.00} courtesy credit is given. 
XX/XX/XXXX - Called back to citi. Still no word about the work request. Supervisor acknowledges that the dealing given by Regulation Z is in 3 days and that they will miss it. 


The dispute has been going on for over 2 months and more than two billing cycles. Resolution does not seem like it is approaching. A legal demand has been issued to Citi to deliver the investigative information and refund the charges.
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

TRANSWORLD ACT # XXXX THIS IS NOT MY DEBT TO BEGIN WITH. I ATTEMPTED TO CONTACT AND DISPUTE THIS WITH THE CREDITOR, THEY RUDELY DIRECTED ME TO WRITE TO THEM BUT LETTER CAME BACK REJECTED AND UNDELIVERABLE ... TRANSWOLD IS NOW CALLING ME AT XXXX AND STARTING XXXX AT MY HOUSE AND WORK AND THREATENED TO MY ASSISTANT THAT THEY WILL GARNISH WAGES AND SEND A SHERIF TO ARREST ME IF SHE DIDN'T PAY THIS DEBT TO THEM. THIS IS REDICULOUS AND SHOULD NOT BE LEGAL AND SHOULD NOT BE ALLOWED PLEASE HELP ...
Consumer complaint received 2018-11-16
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. (FL)

About 6 months ago I pulled my credit report and noticed numerous accounts on my credit report that I did not recognize. These accounts do not belong to me. I submitted letters to the credit bureaus and the creditors that appeared on my credit report requesting information that the accounts belonged to me when they were opened etc. No responses. I then started directly sending certified letters to all three credit bureaus advising that the information is not mine and requested it to removed and requested response from them. The accounts there were in question are ; XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. The most recent letters that went out with no response was on XX/XX/2018. For XXXX  the tracking # is XXXX Equifax tracking # XXXX and XXXX tracking XXXX. In the letters that were sent, I advised that they have 30 days to respond or remove before I file a complaint. I received no response from any of the bureaus. I then submitted a second letter on XXXX tracking XXXX XXXX Equifax tracking XXXX XXXX and XXXX tracking : XXXX. To this day I have not received any responses from either of the 3 credit bureaus and these accounts remain on the credit report and negatively impacting my credit.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

My husband and I applied for a loan with LoanDepot, Loan Officer, XXXX XXXX. Before we went to closing, my husband and I told Mr. XXXX that we intended to pay the entire mortgage from the sale of our home in XXXX XXXX. Mr. XXXX requested that we pay the first month payment. He said we will receive a payment book. We never received a payment book. The closing date was XX/XX/XXXX. My husband called Loan Depot on XX/XX/XXXX, to ask what our mortgage payoff amount was. The response was {$210000.00}. My husband did pay the first months mortgage payment, at the request of Mr. XXXX. 
I called Mr. XXXX asking why we had to pay the first mortgage payment, due to the fact that every day, we were accumulating interest. The {$210000.00} is the amount we expected to pay. Due to the fact that Mr. XXXX asked us to pay the first months mortgage, so that he will be recognized as well as receiving his money as Loan Officer. Meanwhile, accumulating every day was interest. As of XX/XX/, we received a payoff amount of {$210000.00}. 
My husband called LoanDepot, spoke to XXXX on XX/XX/, that the amount owed was {$210.00}. 
We paid off the mortgage on XX/XX/2021 in the amount of {$210000.00}. That was the amount that was indicated. The mortgage amount we thought we were going to pay was {$210000.00}, if we were to pay off immediately. 
My husband and I were manipulated by Mr. XXXX to pay the first months mortgage. 
My husband and I believe that we should be receiving {$1200.00}. 
To date, We have not received any money. 
We did receive a Letter from LoanDepot, dated XXXX XXXX, XX/XX/XXXX. This letter is to acknowledge that our loan has been paid in full. However, till this date, have not received anything.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me!
Consumer complaint received 2021-08-12
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. (AL)

I previously notified you that my car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine. These inquires listed on the identity theft report is not factual and is actually FRAUD. Please delete this information
Consumer complaint received 2022-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (NC)

XXXX XXXX and XXXX sold a debt to Eastern Account Systems. My personal information was used to open an account with XXXX XXXX and XXXX. I informed them of this and the debt was removed. However, they sold my personal information to Eastern Account System conspiring with the initial identity theft.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IL)

There is two hard inquiries on my credit report that should no be there I have no knowledge of these application please take them off. 

Jpmcb card XX/XX/XXXX Jpmcb card XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

XXXX XX/XX/2021 a {$1.00} Authorization posted against my PayPal account balance, supposedly by XXXX. Today is XXXX XXXX and I still can't get this removed. Almost every day since this appeared I have sent hours and hours on hold waiting to talk to agents and managers or waiting online for their Message Center agents to respond. They all seem to be centered outside of the US and English is clearly NOT their primary language. I repeat the same story over and over to each and they just don't get it. There Message Center response time averages 9 hours each time I post a response yo their response ( no of this is real time ) and their phone queue wait time is averaging 2 hours! So this is consuming my life.They tell me I must get the merchant to remove the charge, but XXXX has assured me the charge is not from them and have given me screenshots that confirm that. However, PayPal won't take my word for it, won't accept the screenshots as proof, or contact XXXX to confirm. They are not willing to admit its a platform error on their part or allow me to submit an online dispute to treat the charge as fraudulent. HELP! I need this charge cleared so I can close my PayPal account. 
They had previously advised I must delete my current account and create a new one due to Technical irregularities on their platform that prevent me from making transfers out of my PayPal account to my linked external account with XXXX XXXX XXXX XXXX ( another case of fraudulent activity as they hold my money as long as possible to gain interest ) .Their Escalations department stated that they had no intention of attempting a 'fix ' of my issue as they are calling the bug a security " feature '' for my protection sonehow?
Consumer complaint received 2022-07-28
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)

The inquiries and information 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 inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

Hurricane Ida XX/XX/XXXX property damage reported to insurance, adjuster came out & never heard anything back. Called Carrington mtg to ask about claim. They rec 'd money from insurance & put it in escrow. I need funds to make repairs. Send out ck in XXXX, but I never rec 'd. XX/XX/XXXX I called mtg never rec 'd ck, they stop pmt on ck & issued new ck. I rec 'd ck & deposited. It bounced because it was 1st ck which had stop pmt I thought it was a new ck. XX/XX/XXXX called back asked for another ck since ck bounced.They were to express check to a physical address, never rec 'd. XX/XX/XXXX rec 'd the 2nd ck at XXXX XXXX XXXX I called mtg co & asked if it was still good, gave the ck #, it was good, I deposited it in XXXX which is bank written on & XXXX said it was no good. XX/XX/XXXX called back told me they stop pmt on XX/XX/XXXX, which is the day they said it was good, waiting funds to go back into escrow ( 15 business days ) then will reissue ck with 3 day label. Phone call from XX/XX/XXXX didn't do anything!
Consumer complaint received 2018-03-09
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. (NY)

XXXX account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX  info XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.