davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (MD)

Guaranteed Rate Affinity refuses to provide me with an updated closing disclosure which I have a right to bylaw. 
XXXX XXXX has been my point of contact for the mortgage lending process with this company. The company seemed to operate quite efficiently especially when dealing with various members of the company such as XXXX XXXX and XXXX XXXX. These individuals would requestdocumentation and I would provide the documentation in a timely manner making the process efficient and painless until it wasn't. Everything was well until the closing disclosure. 
On Tuesday, XX/XX/XXXX, I received an email alerting me to anactivity as part of my to-do list that was sent from XXXX. After opening it the next morning ( didn't know it was time sensitive ) and noticing the incorrect and missingformation, I immediately alerted XXXX and XXXX via email at XXXX. I then followed up with another email at XXXX, with questionsfor items that did not make sense such as HOA fees when there are no HOA fees. Although those questions have remained unanswered, XXXX did respond and acknowledge that the corrected/updatedCD would be sent that day. Needless to say, I did not receive the updated CD that day or any other day since, and closing/settlement is scheduled for tomorrow - Monday XX/XX/XXXX which was pushed back as a result. Additionally, I did ask whether Settlement could be held on Saturday, but XXXX and XXXX stated ( via email ) that the Title company did not operate on Saturdays and that it has to be a weekday. However, the title company was available on Saturday, XX/XX/XXXX, to conduct settlement, but it was GuaranteedRate Affinity did not want to " operate '' on Saturday. In the end, all parties had no choice but to wait to hold settlement on Monday, XX/XX/XXXX, which resulted in Guaranteed Rate having more than enough time to correct and send the updated CD before the weekend. 
On XX/XX/XXXX, I made one last effort to reach out to the company via email and included the company 's Regional Manager, XXXX XXXX and I have not received any of my documents or communication acknowledging my requests as well as my recent email. I was told by my realtor that the Title company received the updated CD, but I nothing has been sent to me and I need to ensure that I have no questions and the missing information has been included. I'm left to wonder why the company is purposefully not providing me the documents and I am seriously questioning the integrity. This is horrible and sad and I'm beyond frustrated. I just want what is expected ... ..correct and updated documentation provided in compliance with state and federal laws as well as company policies and procedures. I'm hoping that this email can prevent this from happening to anyone else.
Consumer complaint received 2020-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

This complaint involves PayPal. I received {$200.00} in my account over a week-and-a-half ago and they will not let me retrieve it through bank account or transfer. I have called dozens of times and messaged them through customer support only to get a merry-go-round of agents who tell me different things, including that I should take out one of their credit cards. And, this is during a national crisis when I need the money.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (PA)

I had a credit card with Elan financial. I paid the card off in XXXX. In XXXX of XXXX I tried to prequalify for a home mortgage and was told that I couldn't, primarily because that card was showing as unpaid and over limit. I placed numerous phone calls to the creditor, and had my bank officer contact them on my behalf. Despite numerous messages on a recording that promised to return my call within 24 business hours, I have never yet been contacted or spoken to any one. It is now XXXX. Given these difficulties, I disputed the account with the credit reporting agencies, who have reported that the account is verified, and it continues to trash my credit score.
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I went and looked for a wedding dress. They kept the wedding dress in their hands. We paid and literally less then 24 hours. My wedding plan changed and i will not have a wedding. I called and tried to talk to them They WILL NOT refund us our money. {$370.00}
Consumer complaint received 2020-08-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (FL)

On XX/XX/XXXX I contactedTMX Finance of Florida, Inc. D/B/A Insta LoanXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to my tittle loan, Loan No. XXXX to notify them that I was experiencing financial hardship due to Covid-19. I received no response. On XX/XX/XXXX, I called into make a payment, I spoke to XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, Florida store, he asked if I would be making an installment payment or paying in full and convinced me if I was able to pay in full I should. I went ahead and made the full payment of {$3000.00} using my XXXX   XXXX XXXX Debit Card ending in XXXX. I ask XXXX if my loan would be reported to the CRA 's as paid as agreed, then and only then did XXXX inform me that my loan account was charged of in XX/XX/XXXX and I was paying of a debt. I told XXXX that he should have led with that information, he then told me that the the CRS 's will remove the charge off. I told XXXX that wat he did was illegal and violated my rights, and I should have been notified that my loan was charged off and not active. XXXX gave e the impression at the beginning of our telephone call that my loan was active. I immediately contacted XXXX XXXX XXXXXXXX and disputed the transaction,
Consumer complaint received 2020-08-10
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}
Consumer complaint received 2020-09-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

There is a student loan reporting in my credit report for {$170000.00} from XXXX, account number XXXX .... The issue is that I never went to college and never applied for any student loans or co-signed for anyone. I have been disputing this account with Equifax, XXXX, and XXXX  since XX/XX/2020 - requesting that they contact XXXX and have them provide me with documentation proving this debt is mine ( a copy of the original contract with my information and signature on it ). I have yet to receive one response back from any of the credit bureaus or XXXX. I sent dispute letters for this account to the 3 credit bureaus and section 609 request letters to XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 but, still no response. This is crazy!
Consumer complaint received 2020-08-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 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
Consumer complaint received 2018-11-13
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. (GA)

For some time now, I have informed Equifax that their reporting my account with XXXX XXXX XXXX is incorrect. Multiple supporting documents were delivered to Equifax with my dispute. Equifax responded to me saying " XXXX has confirmed the information is correct '', making XXXX the judge adjudicating that their own erroneous information is correct ... sort of like asking a defendant are you guilty?. 

( 1 ) XXXX is reporting account # XXXX as a " Charge Off '' when XXXX 's own internal account " Transaction History '' covering XX/XX/XXXX thru XX/XX/XXXX documents every one of  the 12 monthly payments were paid on time, as agreed. 

( 2 ) The Equifax report shows a " Past Due '' amount of {$5300.00} when the fact is this account is " Current '' and THERE IS NO PAST DUE BALANCE. 

( 3 ) Equifax reports the last payment reported by XXXX was XX/XX/XXXX when the verifiable facts confirm my payments have been paid on time with the most recent payment received and posted by XXXX on XX/XX/XXXX and the next payment due confirmed to be XX/XX/XXXX. 

The practice of allowing a company to confirm their own erroneously reported information is absurd and hardly an impartial " investigation ''..
Consumer complaint received 2018-11-13
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. (NH)

This information is incorrect : XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX
Consumer complaint received 2020-08-10
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$510.00} XXXX XXXX   XXXX {$7500.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$670.00} XXXX   XXXX {$3800.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$570.00}
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO Bank, N.A. (NY)

I was notified by XXXX XXXX that there was fraud warning on XX/XX/22. I called the same day waited XXXX min on the line, but could not reach customer service. There was no e-mail or any way to reach them, except phone. On XX/XX/22, I spent XXXX hours and did not reach anyone. Today, I spent XXXX min and still unable to resolve the matter. Credit card, upon which I rely for many purchases is XXXX.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (PA)

I closed my account in early XXXX. Ally Bank promised to refund my balance within 10 days. I never received a check in the mail. In early XXXX, I contacted Ally Bank to notify them that I never received the check. The made me fill out a lost check affidavit and promised to send the check within ten days. A week later, they told me that the affidavit needed a e-signature, so I complied and filled out the form again with an e-signature. Two months went by and I never received a check. I reached out again to Ally Bank and they are now telling me that I need to send in the affidavit with a physical signature. Ally Bank has made zero efforts to return my money. They seem to be making it excessively difficult to return my money and keep giving me different answers about what I have to do to get it. Avoid this bank and stick with established banks -- they are more responsive and less shady than Ally Bank.
Consumer complaint received 2020-08-06
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. (NJ)

I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXX.I also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC (TX)

I was contacted by AlliedInterstate about an unpaid bill. The total amount due was {$220.00}. AlliedInterstate offered a settlement in full for the amount of {$67.00}. I paid this amount via my debit card and it was applied to my account on XX/XX/2021. Later I received my settlement in full letter dated XX/XX/2021 from AlliedInterstate stating the debt was settled and they would notify their client. I am attaching a copy of this arrangement. 

Apparently, Allied Interstate did not do as required, and notify the original creditor that they debt was settled in full. They only reported a {$67.00} payment towards the balance, not a legal settlement that was agreed to. So now, the original creditor has sent this same account out to two other collection agencies to try to collect the remaining balance, when the account has already been legally resolved months ago. 

A collection agency named XXXX XXXX is reporting it now, and another named XXXX XXXX also has their hands on it. It is highly illegal for all of these parties to continue to do harm to my credit for an account that was resolved months ago.
Consumer complaint received 2020-08-10
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: JPMORGAN CHASE & CO. (MA)

My complaint is about my Chase XXXX card. 
I have a Transaction in the amount of {$280.00} that I have reported and disputed with Chase since the day it happened on XX/XX/2020. 
I have attempted to dispute this charge on XX/XX/2020, the day it happened, again on XX/XX/2020, and again on XX/XX/2020. 

On XX/XX/XXXX, I received notice that the dispute had been denied because " a significant time has passed ''. 
I did my due diligence, I don't see how I should be punished for Chase 's lack of response The timeline follows : On XX/XX/2020, we found something online and decided to purchase. 
When I entered my Chase XXXX information and hit Submit, I immediately got a Chase Fraud Pop-up warning and received a Fraud alert email I received no notification from the original site, no order confirmation, no order number but I did find that the charge of {$280.00} was on my credit card. 
I researched the web site and found numerous complaints about non-delivery I called Chase that day, XX/XX/2020, and told them what happened. 
Chase issued a replacement XXXX  card with a new account number, issued a temporary credit for the disputed amount, and apparently initiated a Fraud investigation On XX/XX/2020, I received a notification that there was a resolution to the case The fraud case was dismissed because I had " Received benefit from the Transaction ''. 

On XXXX XXXX, I called Chase Customer Service, explained the situation, and was told that instead of fraud, I needed to dispute the charge. 
On that day, XXXX XXXX, I disputed the charge online and followed up in writing via mail and fax with the details about the fraud alert and the charge being on my account. 

On XXXX XXXX a full month later, I received notification that they had received and were reviewing my dispute. 
On XXXX XXXX, I received notification that the dispute was denied because it wasn't fraud That day, XXXX XXXX, I called Chase Customer Service, explained the situation, and was told that I needed to re-dispute the charge citing the reason as non-delivery of merchandise. 
I re-disputed the charge that day, XX/XX/2020, in writing via mail and fax On XXXX XXXX, 2 weeks later, I received notification that they had received and were reviewing my dispute. 

On XXXX XXXX, I received the final resolution that Chase had found for the merchant because " a significant time has passed '' I feel I did my due diligence in reporting this to Chase on 3 different occasions and should not be punished because of their slow response and misdirection on their part In XXXX, 2020, I tried to contact the original merchant but the website had been taken down, the telephone number and the email address I had for the merchant was no longer in service
Consumer complaint received 2020-08-10
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. (KY)

There are 3 inquiries that are showing on my credit report that were never authorized by me. I have reached out to the 3 companies and all agree they have no record. I have disputed this with Equifax on multiple occasions and they continue to claim the information has been " verified '' and fail to provide any proof ( because there is none, these are inaccurate ). In the most recent dispute one of results states that one of the inquires isn't on my report, when it clearly is there. The three inquiries are from XXXX, XXXX XXXX and XXXX XXXX. These are inaccurate and fraudulent and Equifax refuses to remove the inaccuracies therefore hurting my creditworthiness and tarnishing my name.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I am having a problem with Mortgage Company in regards to miss handling my money every year there is a SHORTAGE ( this year was 1/3 of Escrow {$1000.00} ) they will NOT talk to me. They just send the paper work & it show everything looks good. When I ask why this keeps on happening they will not answer. Last papers sent had a contact number and person, call & left messages but NO reply.Have also filled complaint with cfpb just sent the papers showing thing were ok, but still no answer of why & how. Have also in letter ask to have Escrow returned back to me.They said NO to bad.How do I fill a Dispute with Mortgage & cfpb or find Legal help.I am at a dead end & this Shortage ( of the Large amounts is not being done correctly ) needs to be fixed.As I have done my own Escrow 30-35 yrs. with NO problems.Need to talk to someone that will listen to what I am trying to tell & not just look at the paperwork, look in between the lines & see the on going problem. I also have found that this Mortgage Company has been to Court by the cfpb a few times for many things. With the shortages they just put another loan on top of the main Loan, now there is 2 more along with the main loan.I am filling like I am going to lose my Home. Please can you help or help me find some help.Please call so I can explain in detail better then trying to write.
Consumer complaint received 2021-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TN)

Beginning XX/XX/2021, I received an email regarding my Discover card account that it was suspended from use, pending verification of some kind of tax records for the IRS. 

I submitted the required forms, then called Discover customer service or two different occasions on XX/XX/2021 to get an explanation of why my account was suspended. 

I have paid off my account monthly without hardly ever carrying a balance and have used it responsibly. 

If they wanted to verify my current income, I could have easily provided pay stubs from my employer, but instead they have not given me a reason as to why this sudden verification must take place, and the explanation was that it was a random automated verification. 

However, I noticed I was singled out after a request for a credit limit increase, which they provided instantly online with their system online, as well as approving an additional card to use. 

Both times I spoke to the accounts verification team I was terminated from the calls. I was upset and told them I may want to just close the accounts due to this inconvenience, and they I was abruptly hung up on, and no return call was attempted. 

I have also messaged them through their app with resolution, and they told that I was informed my account would be suspended for 5-7 days verbally, but never was informed verbally of this action, only by email after the account was already suspended. 

Pursuant to local state and federal laws, I believe I am singled out for discrimination.