davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (UT)

A person claiming to be called XXXX XXXX requested to book my XXXX beach rental property but said his company was paying for the trip and he needed to send a check. I said ok but said I wouldn't confirm until the check was received and deposited. A week later he contacted me through XXXX saying there was a " mix up in the payment sent to you, I was supposed to receive two separate payment one for you and the other for my vacation planner, but unfortunately the whole sum of these 2 payments were issue on 1 check in your name and sent to you. And I don't know if you can help me with the difference once the check clears your bank please advise to be on the same page. '' I offered to refund the difference when the check arrived if he provided their name, address phone and email so that I could contact them. Then he asked to text me and I told him that was not possible until the transaction was completed. Then he sent me a .pdf with his name address and phone number. I think I tried to call or text the number and it didn't work Then he texted me from the number above and said the check was on the way via XXXX and gave me the tracking number XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX He texted that the check had arrived. I deposited the check electronically and waited a day. Chase showed the funds had been deposited. He asked me to send the balance {$3400.00} to XXXX XXXX email : XXXX. He asked that I first send {$1400.00} and 'text me the confirmation screenshot once I confirm it I will advise you to proceed with the balance. '' The Chase XXXX transaction numbers were XXXX, XXXX, and XXXX completed on XX/XX/XXXX and XX/XX/XXXX. Friday morning XX/XX/XXXX the bank said the deposit was rejected. I called Chase to reverse the XXXX transfers and was told that since I initiated the transfer they could not be reversed. This XXXX XXXX person continued the ruse saying he would get the money back to me. I told him I was reporting him to the authorities. On Saturday XX/XX/XXXX he texted " Hello '' and that is the last exchange I have had. To add insult to injury, I was charged a {$12.00} returned check fee by Chase.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CT)

I am being charged for two accounts I did not open. Someone used my social security to open this account without my knowledge. The companys name is Affirm Inc.The amount is for {$170.00} and {$140.00} fraudulent charges were made. The date opened was XXXX XXXX.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I check my credit transfusion credit report and I noticed that all my inquiries had been removed 3 days later I checked the credit report again and the inquiries were back on and by law if inquiries go back on my report I 'm supposed to get a five day notice and I did n't receive this letter in the mail so I want the inquiries removed.my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Arkansas XXXX My date of BIRTH is XXXX/XXXX/1965 My social security number is *********** Thank You in advance
Consumer complaint received 2021-03-21
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. (IN)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

This account was paid and closed in full. The creditor has received all payments but has this reported as charge off in current status. And reported payments late when they were made to close the account every 2 weeks. I had reported this with the credit bureaus and the status is still incorrect.
Consumer complaint received 2021-03-21
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. (TX)

Equifax refuses to follow the law and investigate my disputes. They do not even respond within 30 days, they don't respond at all.
Consumer complaint received 2021-03-20
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. (NV)

I had submitted this information a couple of months ago. These are not my debts, nor do I have a contract with any of them. Please refrain from these companies reporting to my credit report as it's hindering me from attaining a house loan. Again, these are not my accounts so please remove them.
Consumer complaint received 2016-11-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MA)

I received a credit report from Equifax in XX/XX/XXXX and realized my date of birth was incorrect. I was told to fax over my personal information which was ; copy of drivers license and social security card. My DOB was updated. In XX/XX/XXXX I received another credit report from Equifax and it had several addresses that were not mine, a formally known name that was not mine, a social security number that was not mine. A XXXX credit card with a {$10000.00} line of credit and a XXXX account that is not mine. I have disputed twice once by fax and once by certified mail. The result from the first dispute is they would not be removing any of the incorrect information and the credit report remained unchanged. Second response is Equifax could not make out my social security number and license. I have mailed a copy of a recent utility bill and a XXXX form. I went to a professional copy shop to have copies of all of these documents copied since this was a response I received in the past. I am in the consumers affairs department which means I have lost the ability to have online access to my credit file and i applied for a credit card and was denied based on the inability of the creditor to pull my credit report from Equifax. Equifax told me I was in this department indefinitely and they refused to give me a reason why. I can not discuss over the phone my report with Equifax. I would really like your assistance in gaining access to my credit report on line and having a correct credit report.
Consumer complaint received 2021-03-21
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. (MN)

Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Rocket Mortgage, LLC (TN)

During the Covid 19 Relief Program. We were out of work. But, I never missed a payment not one month in 2020. Rocket mortgage reported that I did not make a payment from XXXX - XX/XX/2020 on my credit report and brought my credit score down 100 points. 

I asked specifically would it affect by credit and will it still be reported. They promised that it would still be reported and it would not affect my credit. But, it did.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

I am yet another customer affected by Mr Cooper 's payment system issue, however it seems that I may be in the minority who have yet to receive the refund. My mortgage loan was transferred from XXXX to Mr. Cooper on XX/XX/XXXX. After loan setup, I made the XX/XX/XXXX Mortgage payment via their website on XX/XX/XXXX. This payment went thru smoothly, however they deducted an extra payment from my on XX/XX/XXXX. I received their notifications regarding the error in payment processing and I thought it would be rectified shortly. My account was actually credited my amount, however they debited the same amount on the same day ( XX/XX/XXXX ) therefore cancelling my refund. I then thought may be the extra payment will be applied towards XXXX mortgage bill, however they deducted another payment on XX/XX/XXXX. I have called them several times and sent several emails and all I have received is canned responses and I have yet to receive a concrete answer when I will be refunded my money. I have started a dispute with my bank, XXXX XXXX, however they are slow to respond as well. Today is XX/XX/XXXX and they are still holding an extra payment and I have no timeline when it'll be refunded. 
Here is a clearer synopsis of the events that transpired : XX/XX/XXXX : I made payment to MrCooper XX/XX/XXXX : Unauthorized payment taken out of my account XX/XX/XXXX : Extra payment refunded to my account, however XX/XX/XXXX : 2nd unauthorized payment taken account again XX/XX/XXXX : Autopay payment for XXXX mortgage taken out. 


Please help in any way that you can.
Consumer complaint received 2021-03-21
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: Nelnet, Inc. (FL)

I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago
Consumer complaint received 2021-03-20
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. (UT)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX Customer Srvice XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX On XXXX XXXX, 2015, I was approved for a XXXX XXXX credit Card. I made a purchase of {$2300.00}. the items were deliver but the coffee table was damage. I called Marlo to have this item repair or replace. They refused. I contacted the Bank that I am disputing the charge for the coffee table ( {$90.00} ). The bank is saying that they are unable to resolve the issue because Marlo furniture has done nothing wrong. I am not asking for a free item but all I have been asking for is to have the product free of damage and not a hazard for my XXXX years old daughter.
Consumer complaint received 2021-03-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (GA)

I have account with Marcus back. It is a savings account. It has been in good standing. 
Marcus sent me an offer to add {$10000.00} to the account and keep it for 90days. 
I did that. 

My login stopped working so I called Marcus bank they told me that they made a business decision to close my account and no reason was given. No choice was given and no notice was given. 

This bank is a fraud and I have seen this in last 30 years that a back had decided to close your account and forefiet my {$100.00}. 

I am wring to you this but I do not think anything will do done to the monster bank as this is bank control the govt. I hope I am wrong and you go after this bank and fine them.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (IN)

Americollect Inc. is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on my credit. I immediately called and settled this debt with them. I had never received a letter, call or any notices regarding the debt I had with them. This violates my 30 day right to dispute or the right to pay it before it reports on my credit. I ask that you delete the collections from my credit file.
Consumer complaint received 2021-03-21
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. (MS)

On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing on my credit report.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I have been a Macy 's customer for decades. On my last CC bill of XXXX I was 9 days late making a payment of {$28.00}. I believe I simply read the bill incorrectly. First time I was late in 30 years. For the lateness, Macy 's charged a {$42.00} late fee. I immediately called Macy 's CC Services and they refunded the charge. 

You might ask yourself what more could I want, but I think of all those folks, including myself who don't review their bill carefully. I think it is shameful that Macy 's is engaged in this kind of skullduggery. I believe that taking advantage of people who are too intimidated or too busy or possibly coping with COVID in this matter may not be illegal ( although it should be ) but it is unethical and needlessly punitive I think most people would agree. 

We know that there are loan sharks out there but Macy 's?!
Consumer complaint received 2021-03-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NY)

Date of contract is XX/XX/21. On XX/XX/21, my wife and I applied for a mortgage loan ( Loan Depot # XXXX ), with broker XXXX XXXX of XXXX XXXXXXXX XXXX XXXXXXXX ( lender/mtg ID code XXXX ; NMLS/license ID XXXX ). Broker advised that we can not lock the interest rate after completing the application. However, I never heard of this from any other broker/lender/attorney. Broker charged my credit card for appraisal fee of {$650.00} on XX/XX/21. Appraisal ( appraiser XXXX XXXX State Certification # XXXX ) was conducted on XX/XX/21 and submitted to bank on XX/XX/21, almost a month later and after numerous calls/emails to broker to advise on reason for delay. No valid reason was given for the one month delay for appraisal. On XX/XX/21, broker advised I need to increase my loan amount to include payoff for vehicle, despite promising me that there will be no payoff conditions numerous times over the phone. In addition, broker stated he thought my loan application was conventional, and not FHA. Property falls in predominantly white area ( zip code XXXX ), and I am an XXXX XXXXXXXX. There is strong sentiment that the broker discriminated against me due to my XXXX background and XXXX XXXX, to block me from purchasing property in a predominantly XXXX neighborhood. I feel my rights were violated and his business practices adversely affected my ability to purchase the FHA-backed property. Please investigate fully and take appropriate action in accordance with the law.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NY)

The Bureus Inc XX/XX/2016 {$800.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through experian.However I never received any email or mail regarding such bill.
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (MN)

i have just received a copy of my credit report, it states that I had a judgment against me in XX/XX/2014. I do not know how I got this judgement against me as I was never given a notice to appear in court.
Consumer complaint received 2021-03-19
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. (NY)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-03-19
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is beings own is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX, XXXX # # # # # # XXXX. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX.Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2021-03-19
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)

This is my fourth time disputing these accounts with the bureaus as well as the furnishers I am a victim of Identity theft and these accounts were not opened by me signed by me or approved by me. I have sent multiple letters from XXXX to no avail. I need this taken care of as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ON XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I had an account at coinbase with a cryptocurrency value of XXXX XXXX the fund disappeared and they did an unauthorized transaction with XXXX $ from my bank account and when reported it the account was locked and I am not able to retrieve it even with ID verification, no response from customer services after i opened a Case # XXXX, no one getting back to me.