davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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. (CA)

I requested my consumer report on XX/XX/2021 from Equifax Information Services LLC and XXXX. Upon receiving the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " Bureau '' means Bureau of Consumer Financial Protection. At no time did I ever sign a contact with Equifax Information Services LLC and XXXX  ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this is identity theft.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

Received a bill in the mail from ON LINE INFORMATION SERVICES stating I have an outstanding debt from XXXX XXXX in the amount of {$470.00}. I called to dispute their claims since I have NEVER been to Texas or created any bill from there. The first time I called, I was abruptly hung up on but, the second time and a different lady was a bit more informative and led me to this service. Please take care of this immediately.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (ID)

back in XX/XX/XXXX me and my wife sold a rental property and closed at alliance tittle company no problem 2 months later chase calls me and wants to know why we havent made our loan payments i thought that was strange went home my wife checked her bill pay accounts and payments were rejected she called chase bank thats when it all started the wrong loan was payed off, another one of our rentals. not sure who all to blame but the tittle company said it was our fault! they prepared the documents, we had to send money to chase to reopen the loan, back payments our credit score was XXXX plus now we are in the XXXX XXXX range chase filed a remittance of deed XX/XX/XXXX i have received a notice of forcloser from chase they sent us a statement of how much money they owe us and that the tittle company is to pay interest that was a month ago we have tried to call chase but are always disconnected. to say frustrated, mad our credit is ruined we just dont seem any closer to having this over than we did a month ago not wanting to hire a attorney but may have to just thought i would give this a try can you help?
Consumer complaint received 2021-11-25
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

The accounts XXXX XXXX XXXX is attempting to collect on were opened fraudulently. They refuse to accept that fact and work toward a solution. To continuously call and reopen collection attempts. Ive disputed the accounts numerous times through credit bureaus to no avail. They are attempting to collect on accounts they are not mine.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Our mortgage was sold/transferred to Mr. Cooper in XXXX of 2021. We recently tried to refinance our mortgage to take advantage of the lower rates and it has come to our attention and surprise that Mr. Cooper has reported my husbands credit as ( 3 ) 60 day lates.

# 1, We have never been late on our mortgage payment and never have missed a payment.

# 2, I have contacted Mr. Cooper on XX/XX/2021, spoke with XXXX XXXX who is part of the Executive Resolutions Team who said that he will place a investigation in with the prior lender and that his Account Servicing Dept. will be working on this. XXXX did mentioned that Mr. Cooper does not show any payments being missed or any lates. I asked him " why is Mr. Cooper reporting this then? '' He did not have an answer and mentioned that he would look into it. Emails have been going back and forth between XXXX and us, number of voicemails we have left with him and still no answer on what the status is.

# 3, This has impacted my husbands credit tremendously and now holding us back on being able to refinance our mortgage. In the meantime, I am spending countless hours on trying to get this issue fixed and still waiting to hear from Mr. Cooper. 

We are asking for your help on getting this resolved. I can provide whatever you need to show proof of payments for our mortgage. 

Our Mr. Cooper loan No. is XXXX Case No, XXXX Please help us with getting this fixed. 

Sincerely, XXXX and XXXX XXXX XXXX or XXXX
Consumer complaint received 2019-06-20
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. (VA)

I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX  XXXX  XXXX  XXXX  XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report
Consumer complaint received 2021-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On or around XX/XX/2021, Paypal descided out of no where to freeze my account ( XXXX ) and not allow me to use it, because I had a fraudulant transaction that was not even with paypal it was with my primary bank, but my debit card from my bank was linked to my paypal business account.. With then freezing my account I have not had access to the {$310.00} dollars that was in my account when they froze it. I was informed that I would be able to obtain my money 180 days from the date it was froze, after multiple attempts to contact paypal customer service and attempts to obtain my money myself threw the online portal I have been unsuccessfull.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

To whom it may concern, We signed an agreement to refinance with Rocket Mortgage and dealt with XXXX to have a refinance with taxes and insurance part of the payment. I found out via phone call from my insurance agent that I have had for over a decade, that my insurance was not paid and I had 30 minutes to find out what happened and why. It took me 20 minutes with the people you have as associates and long automated phone system you have to discover it was left out of the package as I request. I was quiet upset and was not very pleasant to the associates and she threaten to hang up be cause I stated, It was not me that XXXX up! I informed her that I will find a competent company with professionalism to take my business. 

I should not be dealing with this! I will give you all the advertisement via social media that you deserve. I will also find an reputable and competent company to deal with.
Consumer complaint received 2021-10-15
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: Alorica Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-06-20
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: WELLS FARGO & COMPANY (TX)

I started a credit card dispute on my well Fargo and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my well Fargo credit card account was removed from my credit report and I called well Fargo and explain that I never wanted my credit card and there was glitch on XXXX report or well Fargo made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on XXXX and XXXX and well Fargo is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY XXXX AND  XXXX  CREDIT REPORT ... 

ACCOUNT NUMBER WELL FARGO XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-06-19
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. (CA)

I AM A VICTIM OF AN IDENTITY THEFT AND I HAVE SENT NUMEROUS REQUEST FOR MONTHS FOR THEM TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I DON ; T UNDERSTAND HOW AND WHY THE OTHER 2 BUREAUS WERE ABLE TO CONFIRM THAT THE SAME ACCOUNT IS FRAUDULENT AND THE ACCOUNT HAS BEEN DELETED FOR MONTHS BUT EQUIFAX FOR MONTHS IS NOT ABLE TO VARIFY. I STRONGLY BELIEVE THEY ARE DISCRIMINATING AGAINST MY NATIONAL ORIGIN SINCE I HAVE BEEN TOLD NUMEROUS TIMES MY ENGLISH IS NOT GOOD ENOUGH FOR THEM.
Consumer complaint received 2021-10-15
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)

In XX/XX/2020 an derogatory account was reported for the amount of XXXX. I am filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (OR)

XXXX XXXX with XXXX XXXX XXXX did a balance transfer, consolidating our small credit card debt. Goldman Sachs/Apple Card received our check and cashed it but never applied it to our account. I reached out to Goldman Sachs/Apple Card and said they would investigate ; they came back and said they couldnt find the payment and that they were sorry, but nothing more we could do. XXXX then reached out to Goldman Sachs/Apple and sent them the canceled check showing where they cashed our check and applied it to someone elses account, and they are still refuse to admit their error and fix it. XXXX and I have tried to reconcile with them they deny they ever got the payment. XXXX sent them another letter on my behalf trying to reconcile this, and theyve yet to respond, and that was a month ago, we have canceled checks showing they cashed it, and I have the statement we used to send them the payment.
Consumer complaint received 2021-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Social XXXX Re : XXXX XXXX and Equifax In XXXX when I changed mortgage companies from a XXXX mortgage to a XXXX mortgage XXXX XXXX dropped my score XXXX XXXX points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the XXXX points and had no explanation. On XX/XX/XXXX my score went up by XXXX points, on XX/XX/XXXX it dropped by XXXX points. Overall, my balances decrease every month as when I make payments. I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 % I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a healthcare worker and the activity in the hospital is off the charts again, so I do not need this aggravation on top of it. it is like a roller coaster. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in fair range, when I have always paid more than a creditor requested on a monthly bill. Any help or explanation would be appreciated. 



XXXX XXXX
Consumer complaint received 2021-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX, I filed a dispute a dispute against XXXX XXXX XXXX, a debt collection company for non-compliance. The dispute was filed with 3 major credit bureaus Equifax, XXXX and XXXX. It has been over 30 days the collection account is still reporting on my credit report. These accounts have been verified by XXXX XXXX XXXX as closed and should be deleted from my credit profile. These collection accounts should have never been placed on my credit report. The accounts have been paid by my health insurance company. I would like each credit bureau to reinvestigate the dispute or contact the collection agency to verify the status and delete the accounts as soon as possible. XXXX XXXX 's XXXX confirmed payment for date of service XX/XX/XXXX.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FactorTrust, Inc. (TX)

Denied for credit through a report FactorTrust provided. Reason given was that its derogatory information, but I havent had a late payment in well over a year & this reporting is defamatory
Consumer complaint received 2019-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (MA)

I made an online purchase on Coinbase.com for XXXX $ of crypto currency. Only after purchasing was I informed that my funds would be un available for withdrawal until the XXXX of XXXX this was over a week ago.I believe my initial purchase was on the XXXX of XXXX for XXXX. I inquired as to why my funds were being held, and I was told it was for " security reasons '' this was the only information that I was given. 
I feel it's very misleading and unfair to the consumer to have there funds held for this long of a period without any real answers as to why. Or without any prior warning that this was standard operating practice for this company. I am a XXXX veteran and As it is I'm already on a tight budget to have my money held hostage without any really explanation why is very frustrating to me. O would appreciate any guidance as to how to best handle the situation. Thank you for your time. Sincerely XXXX XXXX
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I noticed this company reporting a debt on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

ally financial HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$51000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

I opened a Citi Priority checking account on XX/XX/XXXX to qualify for advertised promotional cash offers for new customers opening checking and Citiwealth brokerage accounts and making qualifying deposits. I arranged for funds to be transferred to the new checking account through EFT and ATM deposits, and also set up direct deposit of my XXXX salary in XXXX XXXX. To increase the amount of funds in my account to help to reach a promotional cash threshold, on XX/XX/XXXX, I also sold my second car ( a XXXX XXXX XXXX ) to XXXX and provided them with my routing and account number so I could receive the proceeds in my new Citibank account. XXXX deposited {$30000.00} into my account on XX/XX/XXXX. At that point Citibank " blocked '' my account. I called two different times and spoke to Citibank representatives and all that they would tell me is that the fraud department at Citibank closed the account and that the bank would be holding my funds for 60 days and then send me a check for the balance. I don't know why they did that, other than to use my money and not have to fulfill their obligation to provide the promotional cash. While it is within their rights, and their banking agreement states that they can close the account without warning or explanation at any time, it is unfair for them to hold onto my money for 60 days. 

Requests : 1. I would appreciate any assistance that you can offer to enable me to access my funds that are on deposit at Citibank immediately. 
2. I'm also requesting your advice as whether if I should be making a complaint at the FBI for wire fraud, since Citibank falsely advertised that I could obtain promotional cash for opening an account and making qualifying deposits.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NE)

I contacted PNC Bank on Monday, XX/XX/2021. PNC Bank said that my account was in the process of being closed. I just wanted to make sure that a cashiers check for the balance of {$3300.00} was mailed to my address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX