davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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)

I asked for inquiries to be removed and Equifax responded by saying that they contacted the furnisher and results were mailed to me. I would like for the results to be sent via email or through the CFPB portal being that I submit documentation through this portal. I should not have to wait when results can be delivered now. This is a stall tactic. I have included my id for proof of identification. Please remove the 3 inquiries from my credit report. The complaint id to reference is XXXX
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OK)

A check I wrote on my account with XXXX XXXX, was fradulently cashed by someone in XXXX Iowa at a Wells Fargo bank. The check was for {$1800.00}. I am retired and on a fixed Income. I was assured by XXXX XXXX, that I would have my money returned within 10 days. The company the funds were supposed to go to has refused to co-operate with XXXX XXXX requests for a signed and notarized affidavit, and I have sent the request via fax, email, USPS, and certified mail, and they will not answer the phone. They place you on hold for one or two hours, then hang up. The FDIC, Comptroller of the currency, and Federal reserve will not help. Wells Fargo will not answer phone calls. My local police took a report- then closed the case stating it was not in their jurisdiction. It seems that every company involved in this is passing the buck to someone else- Me!
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kingston Data & Credit International Inc. (CO)

I had a gym membership to XXXX XXXX fall of XXXX in XXXX. I cancelled the membership and moved to XXXX. I have a year worth of debt collections for a year membership and I 1 ) cancelled the membership because was not in the same state and more than 2 hours from any XXXX XXXX 2 ) the membership they are charging me for was for XXXX and was during COVID and all gyms were closed I have tried to contact the original gym in XXXX, the corporation of XXXX XXXX, and the debt collectors and have called all of them more than 50 times and I am not getting responses. Either playing phone tag or no calls back after leaving voicemails. I am extremely frustrated and want to get this figured out because it is effecting my credit score
Consumer complaint received 2022-04-13
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: Self Financial Inc. (GA)

I filed a dispute in XXXX for my self installment loan account and was denied. The reason I filed a dispute with XXXX was because they had not updated my information since XX/XX/XXXX of 2022 and we were in the month of XXXX the end of XXXX to be exact. XXXX WAS NOT showing that I was paying my loan down and making my monthly payments. Attached are the information from my credit report showing they were not updating it in their system when in fact they had the correct information from the company how I know they had the information is because they would send me messages saying GREAT JOB PAYING your loan down, But would still not update my information on my credit report. XXXX just updated account in XXXX but they have not shown the payment for XXXX and they have not given me any points for me paying this loan down the whole purpose of this loan is to gain points its, a XXXX XXXXXXXX account Attached is proof of XXXX not updating my credit report or giving me the points for it
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within XXXX days. Please check payment history, date open, last activity and Status of the following accounts that were reporting in error. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance {$7300.00} ; XXXX  XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2020-04-01
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)

I have submitted several disputes over the years with Equifax, XXXX, and XXXX  to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.
Consumer complaint received 2022-10-23
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)

I would like to see the Description of Procedure of Reinvestigation that was conducted to verify my account from the reporting that was claimed to be identity theft however came back verified to claim ( s ) # XXXX # XXXX # XXXX
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting thid CFPB complaint addressed to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. I need the Following accounts updated and or corrected immediately : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (VT)

On XX/XX/2020, I sent a friend in XXXX {$250.00} via PayPal. My friend in XXXX said the money was put on hold for a month. The PayPal company in the US did not mention any holds would be put on the money and said the money would be available to the person on the other end in a short amount of time. My friend emailed me earlier this week and said PayPal in XXXX put another month hold on the money. I have been messaging PayPal in the US but they don't seem to care what PayPals in other countries do in their name. They just told me to have my friend in XXXX get in touch with the PayPal over there. As far as I'm concerned it is unethical to hang on to money I've sent to someover for an arbitrary amount of time. 

The PayPal in the US took no responsibility. If rules for PayPal in other countries are different, then it should be posted on their website. At the moment my friend in XXXX asked for the money to be refunded. It is pending. I'm not totally hopeful it will be returned or returned in a timely fashion.. 

I sent the money because my friend and his family are poor and under lockdown. I had a little to spare and thought I was doing a good thing. If I get it back I will try XXXX XXXX and hope they are more ethical. 
I just want PayPal to take more responsibility. It is a service they offered on their website with no caveats or warnings. They did not even take any responsibility after getting in touch with them or give me any reasons for the problem.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

The account in question is a Macy 's XXXX account ending in XXXX with Citibank. This account was previously settled. We reached an agreement with Citibank in XXXX of 2018. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of XXXX payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in spanish.

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last XXXX of the account number the funds were supposed to be applied to. On the proof of payments that we have of payments sent, the Client 's name, SSN and the last XXXX of the account are clearly printed electronically. Once those payments are received, a human agent hand writes the full account number on each check and this was the case for the XXXX payments we sent. 

XX/XX/2018 - {$1400.00} XX/XX/2018 - {$1400.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$740.00} XX/XX/2018 - {$1400.00} TOTAL : {$7400.00} ALL payments we sent had the correct account number hand written on the check EXCEPT for the first payment ( {$1400.00} ) that was sent on XX/XX/2018 and received on XX/XX/2018. On this XXXX check, a human agent wrote the wrong account number. Instead of filling out the account number ending in XXXX, they wrote an account number that ends in XXXX. Clearly the wrong account and more importantly, not our fault or that of XXXX XXXX. We ask that this account reflect as settled for less than the full balance. We understand those funds were applied to the incorrect account and it may be difficult or impossible to move those funds to the correct account. Unfortunately, our client has completed their obligation to send payments for the settlement and all the required info was printed on the check and was 100 % legible. We understand this was a human error but my client will not and should not overpay the settlement. We appreciate your review of this complaint once again!
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was banking with Bank of America one day I went in to cash my work check and they said I couldnt cash it due to unknown activity on my account which they said my account was in the negatives so I did everything I was suppose to calling customer service to resolve the problem cause it was suspected fraud I got sent around while on hold but no help to actually resolve the problem to help me get this problem recovered.
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-31
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)

n accordance with the Fair Credit Reporting act XXXXt Account # 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.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have wrote several letters to the bureau 's in regards to the inaccurate reporting of an account reporting on my credit report from XXXX XXXX XXXX. On XX/XX/XXXX I wrote a letter to the credit bureau 's XXXX & Equifax to notify them that there is a past due balance reporting on a collection account from my understanding a collection account is past due account and should not have a past due balance. On XX/XX/XXXX I sent a letter to the credit bureau 's to notify them that the date of last activity is reporting inaccurately it's reporting XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XXXX XXXX ( Equifax ) which makes me believe the debt has been re-aged. I would also like it to be noted that Equifax is reporting a late payment of 120 days on a collection account from my understanding a collection account is a late account. There is also a date of last payment reporting for XX/XX/XXXX, however, there is no date of last payment reporting for XXXX and XXXX. 

I would also like to add that the bureau 's failed to respond to my first two disputes as they continued reporting this account to my credit report so at this time I have no choice but to reach out to you at the CFPB.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

I filed bankruptcy in XXXX, but my FHA loan with Wells Fargo was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to Wells Fargo to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my XXXX  report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a Wells Fargo Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent Wells Fargo the closing statement from when the property was sold and copies of my credit report showing the change.
Consumer complaint received 2020-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE FOLLOWING ACCOUNTS ARE FRAUDULENT ACCOUNTS : XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXX {$77.00} XX/XX/XXXX XXXX XXXX  XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-12-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

i APPLIED FOR A LOAN MODIFICATION WITH M AND T BANK AND WAS DENIED. I HAVE A XXXX XXXX  WITH A RATE OF 6.0 % WHICH THEY REFUSE TO MODIFY BY REFINANCING. I HAVE MORE THAN 20 % REQUIRED FOR THE BANK TO REMOVE THE PMI WHICH WOULD LOWER MY MORTGAGE PAYMENT BY XXXX MONTHLY MAKING IT AFFORDABLE. HOWEVER THE BANK REFUSED TO REMOVE THE PMI UNLESS I CAN MAKE 12 TIMELY MONTHLY PAYMENTS. BANKS SHOULD NOT BE ABLE TO DETERMINE IF PMI GETS REMOVED OR NOT. PMI IS BASED ON THE AMOUNT OF EQUITY. I HAVE EXPERIENCED HARDSHIP AND ASKED FOR A LOAN MODIFICATION AND WAS REJECTED BECAUSE MY INCOME WAS LESS THAN THEY ALLOWED. I KNOW THAT THAT WAS WHY I WAS SEEKING A LOAN MODIFICATION. IF I HAD EXTRA INCOME I WOULD NOT BE BEHIND IN MY PAYMENTS AND SEEKING A LOAN MODIFICATION. REGARDLESS OF ALL I HAVE GONE THROUGH WITH THIS BANK FOR THE LAST 10.5 YEARS I HAVE PAID MY MORTGAGE. I WOULD LIKE THE PMI REMOVED IMMEDIATELY AND IT SHOULD BE AN AUTOMATIC PROCESS THAT WHEN A HOME HAS ACQUIRED THE NECESSARY AMOUNT 20 % THAT IT IS AUTOMATICALLY REMOVED.THERE HAS TO BE SOMETHING PUT IN PLACE TO PREVENT THESE BANKS FROM FORCING MORTGAGE OWNERS INTO FORECLOSURE WHEN THERE ARE MEASURES THAT CAN PREVENT THIS FROM HAPPENING.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-01
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: WELLS FARGO & COMPANY (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX Balance {$10000.00}
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX