davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MN)

Sometime between XXXX and XX/XX/2019 I went to make a large purchase, they ran my credit and it was brought to my attention that " XXXX XXXX '' or " XXXX XXXX XXXX '' put a $ XXXX collections account on my credit file, stating that the account was opened in XX/XX/2019. During which time I did not live in the state of Minnesota. I have not, to date, received ANY correspondences regarding this alleged debt owed. Between XX/XX/2019 and Present, the amount owed mysteriously changed from $ XXXX to now showing as $ XXXX. In XX/XX/2019, I filed a dispute with all three major credit bureaus, Equifax, XXXX and XXXX XXXX. Since then, XXXX XXXX and XXXX  have both investigated and determined that said account does not belong to me and have removed them from my credit files completely. To date, I am still in a back and forth battle with Equifax. They refuse to remove this inaccurate reporting from my credit file. I would like to note, I have zero collections accounts on my credit file with exceptional payment history on all open accounts. This fraudulently reported account may hinder my home buying process. Please advise.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

XX/XX/21 I transferred {$6000.00} from my US Bank account to my personal XXXX Savings account. 

US Bank sent the money and XXXX XXXX denied the funds and returned the funds. US Bank has kept the funds and not returned them to me. 

Us Bank says there's " nothing we can do '' despite the fact that they requested and received multiple refund notifications from XXXX XXXX. 

I just want my money back. I have called Us Bank over 30 times and each representative tells me something different. One says I have to wait while another says they will not refund the money and that I must get it from XXXX. 

XXXX XXXX does NOT have the money, never accepted the money, and provided proof of rejection of the funds. I have a PDF with their official statement as well. 

Attached is XXXXXXXX XXXX XXXX response which US Bank has said they never received ( despite me giving it to them multiple times )
Consumer complaint received 2023-03-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

I went through the process of refinancing and was told by the loan specialist that everything was approved. I sent all requested documents and paid {$500.00} for an appraisal and I haven't heard back or received any notice in the mail.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: U.S. BANCORP (CA)

My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. I am being fraudulently harassed by US Bank, and this has been going on for MONTHS now. US Bank is claiming that I owed an alleged " debt '' that I did not owe ( its a fraudulent account ), so I went ahead and sent them a Cease & Desist letter on XX/XX/2021, with a few other documents supporting my case ( see attached exhibits ). I have the certified mail return receipt proving they received my cease & desist on XX/XX/2021 ( see attachments ). Since that time, I have received dozens of spam calls and voicemails from US Bank in which they're harassing me, trying to get me to pay this fraudulent debt. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they received my Cease & Desist order, in which I clearly told them to never contact me again, and that I will not be paying this fraudulent debt- they continue to harass me and cause me mental and emotional anguish. I am demanding that US Bank cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. They have caused me immense mental, spiritual, emotional and physical distress and anguish. If they do not comply with this final warning, I will be filing suit in Federal District court.
Consumer complaint received 2020-01-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (VA)

I apply for an on line loan with Lending Club and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 3 years with a balance owed XXXX. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date. Sent a Validation of Debt letter XXXX XX/XX/2019 to date never received payments paid should reflect 30 payments at {$980.00} last payment being credited XX/XX/2019. Note I was never offered " Lending Club to Beta Hardship Plans for Borrowers ''. I feel after having a strong payment history the representative or a manager should of made an attempt to assist me with their Hardship program not wait 120 days and make the loan a Write Off not allowing a payment plan they outsourced to collection agency XXXX XXXX that was unable to answer my validation letter under the Fair Debt Collection Act providing payments made and what is owed and to seize and persist all interest owed until investigated. This borders extortion to pay the debt what we say it is without a proper validation requested missing my 30 payments on the returned validation from XXXX XXXX. Any Judge in Virginia would concur this is not good business practice for a consumer undergoing a hardship or life experience. Just to provide a copy of an agreement and not meeting the validation letter request is concerning.
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (GA)

I have attempted multiply times to dispute the inaccuracy of this account from account : XXXX XXXX XXXX. 
XXXX XXXX is reporting a past due balance on an account that is charged off. It also reporting different balances and dates across a three credit bureaus. I have reached to both XXXX XXXX and all three bureaus. No attempt at fixing the issue. I believe this account is being reported is in violation of the FCRA laws.
Consumer complaint received 2022-11-18
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: AutoNation Enterprises Incorporated (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and delete : CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-01-24
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)

I just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (FL)

I have tried several times to fix this issue with XXXX XXXX they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also HOMEPOINT FINANCIAL when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my fico for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with XXXX they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a homepoint financial statement with the correct balance owed that should be reporting.
Consumer complaint received 2022-08-17
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)

When I reviewed my credit report, I discovered that there is inaccurate information was erroneous. The Equifax credit bureau must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$650.00}
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have 2 credit cards that are inaccurately not reporting positive history on my credit report. This is negatively impacting my score as I currently do not have positive payment history and new accounts to create a credit score. I am requesting the following accounts to be updated and reflected on to my credit report : 1. XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with Exceptional payment history that is not reporting. 
2.XXXX XXXX XXXX XXXX opened XX/XX/22 for {$200.00} with exceptional payment history that is not reporting.
Consumer complaint received 2022-01-24
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. (PA)

All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
1. XXXX XXXX  2XXXX XXXX 3.XXXX XXXX 
4. XXXX XXXX XXXX 5.XXXX All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.
Consumer complaint received 2022-11-18
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: U.S. BANCORP (IL)

At time of contract I provided my credit card information to XXXX - Today. The work was not XXXX like, had severe deficits, such as extemen lippage and poor grouting. With out my knowledge the merchant submitted my bill for payment to Elan Financial Services. I contacted Elan, DBA : Fidelity Credit Card Services, and explained that the wor of tile installation was unsatisfactory and the signature and data contained on a Walkthrough Inspection was not mine. 
I was asked to provide competent evidence that the work was sub-standard and an extimate to correct the deficiencies. 
Indivudual tile inspectors are oin short scupply and the demand for inspections by subject matter experts is high. Factoring in the nation general labor shortage, it took over two + months to secure an assessment if defects by a board certified tile inspector and a competent contractor 's estimate to correct the defective installation. 
But although I was fully in compliance with the Fair Credit Billing Act ( FCBA ), my claim to deny payment to the merchant was denied. It was alleged that Elan Protocols on timeliness trump FCBA. As by Elan 's timeliness standards I was late and nothing could be done to approve my dispute
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (TX)

I wanted to open Citi Priority account following this link : https : //banking.citi.com/cbol/priority/offer/default.htm? venue=GoogleBR & cmp=knc_acquire_2106_BAUCHK_Priority_Google_BR & gclid=Cj0KCQiAubmPBhCyARIsAJWNpiMG1y2vZJ_TCcRmbiglwYI6HgTTaWu8-sDqICXGWK-9rr-J7rLC-w0aArfcEALw_wcB & gclsrc=aw.ds & BT_TX=1 & ProspectID=B094A7EB13404DE69A8EADDAD9B2785C Provided all the information and then I got one obstacle which is more of a issue from Citi side as they have hired cheap XXXX XXXXXXXX XXXX  to do their IT work. 
Due that hurdle, it asked me to call on that # XXXX which i did but nobody was there. Then I got one rejection letter with the file number ending in XXXX but even if I call that number there is nobody picking up even after 45 minutes of wait time. The letter states that Citi is " unable to verify information on consumer report ''. Moreover Citi didn't provided which consumer report agency I need to reach out to?
Consumer complaint received 2022-08-04
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. (MO)

I sent a letter to the Credit reporting Agencies on XX/XX/XXXX with complete attachments of my Personal Information and ID THEFT REPORT to remove the fraudulent information reporting on my Credt File that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Good afternoon. I really need your help. My name is XXXX XXXX. My husband bought a house at XXXX XXXX XXXX XXXX XXXX XXXX California in XXXX. In XXXX, he took a loan in the amount of XXXX from XXXX XXXX, and a year later he could not repay it, as covid began. We tried to negotiate, asked for a delay, but they refused there. We had no choice and we filed for bankruptcy. During the bankruptcy, my lawyer XXXX XXXX hid from us that XXXX sold our house for XXXX and the price of our house was XXXX, we did not know about this and continued to pay our mortgage. In XX/XX/XXXX we were kicked out of the house. We were waiting for the trial, which should be on XX/XX/XXXX, but the day before the trial, we learned that the case was closed. Although I watched our XXXX XXXX XXXX XXXX was away on those days, he was on vacation. XXXX XXXX 's lawyer deceived the judge and her man forged his signature. We no longer have the money to fight these people. We are American citizens. We have two kids. We believe in the power of the law. Help take back our home. I will send all documents upon your request. 
My phone is XXXX
Consumer complaint received 2017-10-11
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CL Holdings LLC (CA)

I attended XXXX college in XXXX, my federal loan was forgiven in XXXX. But for my XXXX loan I am not able to contact any one about my private loan. I never received my diploma from this school so I feel it is unfair for me to be receiving multiple phone calls and collection letters from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX As well as it affecting my credit I have asked these people at XXXX XXXX XXXX asking them to give me information where I should call about this and who sold them my information but all they can tell me is to agree to a payment plan for {$530.00}