davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (FL)

REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
( Continued On Next Page ) XXXX Page 3 of XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY.

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

THEY DID NOT INVESTIGATE AND WITHIN 2HR OF THE DISPUTE WAS SENT THEY VERVFYDE IT
Consumer complaint received 2022-09-23
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. (WI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number 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. 

I made complaint twice on this account and it was deleted off my XXXX. This originally deleted off all three credit bureaus from previous collection agency.
Consumer complaint received 2022-07-29
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. (DE)

These inquiries do not belong to me 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 Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX  XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Self Financial Inc. (TX)

I closed my account on XX/XX/XXXX and I was told that I would receive my deposit on XX/XX/XXXX within 1-2 day. That never happened. The company is giving me the runaround about my money
Consumer complaint received 2022-09-23
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. (PR)

On XX/XX/2022 I received a phone call from XXXX Bank stating that I was late on my mortgage payment. I told them there was an error on their end as the payment was made on XX/XX/2022 through their payment portal for the monthly amount due of {$1500.00}. XXXX Bank representative asked that I provide evidence of my bank statements and transactions via email. A detailed email was sent on XX/XX/2022 with the required evidence. On XX/XX/2022 I received a mortgage loan statement showing an unapplied balance of {$1500.00}. I sent a second email with a copy of the loan statement showing the unapplied balance and requesting it be applied to XXXX monthly payment as intended. I received no response from XXXX Bank. On XX/XX/2022 I received a credit report alert showing late payment on my mortgage loan. On XX/XX/2022 I filed a dispute with XXXX and also sent a written request to the financial institution explaining the situation and requesting they amend the credit report. On XX/XX/2022 I received the dispute resolution report showing not only late payment for XXXX, but additionally XXXX. The bank took retaliation against my dispute and reported an additional late payment for the month of XXXX thus negatively impacting my credit and my ability to obtain credit offers for individuals with excellent score. XXXX payment for the amount of {$1500.00} was made on XX/XX/2022 through their payment portal. There is evidently a problem with XXXX Bank 's payment process and/or their financial system. XXXX Bank has never responded to my requests, neither via email nor via mail.
Consumer complaint received 2022-07-03
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: BARCLAYS BANK DELAWARE (NC)

I have an outstanding dispute with Barclay 's Card for a total of {$1100.00} through the merchant XXXX XXXX. We had booked a multi-stay vacation with a XXXX night hotel booking with XXXX XXXX. We attempted to cancel the stay with the vendor in XX/XX/2022 due to covid restrictions to travel to the country and the stay was scheduled for XX/XX/2022. We attempted to contact the hotel on multiple occasions and received no email correspondence from the hotel in return to either refund or reschedule the visit. 

On XX/XX/2022 we disputed the transaction with the merchant after waiting for more than a month for a response. 

We eventually did receive a message back from the hotel on XXXX XXXX XXXX XXXX since our request to cancel due to the inability to get a travel visa. We explained to Barclay 's that despite the non-refundable rate, the services were poor enough to violate the terms of services for the merchant as it wasn't logistically viable to book a trip to XXXX, XXXX a week before our expected stay. The vendor 's failure to respond to two emails requesting a response wasn't acceptable. 

Once disputed, Barclay 's card investigated the transaction and called us back to get a response from us prior to settling the case. We called back multiple times within the window they provided to us ( see the times and dates on the dispute letter and the stated hours of operation ), left a statement with one of their customer service representatives and they closed our case for not responding to their original message despite contacting them multiple times within the timeframe they provided to us and left a statement with one of their associates.

After many calls, Barclay 's agreed to repoen the dispute and have since provided no response despite being out of the 90 day timeframe included in their card 's terms and conditions.
Consumer complaint received 2022-06-08
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. (AL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX LOXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-12-03
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: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish a account without my written instructions.

15 USB 1666B : A creditor may not treat a payment on a credit card account under an a open end consumer creditor for this purpose.
Consumer complaint received 2022-12-03
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: JPMORGAN CHASE & CO. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-03
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: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX I booked a prepaid vacation at the XXXX XXXX XXXX XXXX. On XX/XX/XXXX I cancelled the reservation with the hotel under the advisement of the hotel staff and was told that the stay would be refunded despite it being a non-refundable trip. After the hotel refused to refund the trip despite previously stating they would, I submitted a dispute to Barclays Card on XX/XX/XXXX. 

They conducted their investigation within the 90 day time period and I received a call back on XX/XX/XXXX stating that I had 48 hours to return the call or they would close the dispute. I called back three times during the operating hours included in their initial communication and none of the calls went through to their dispute services team. After repeated calls I did eventually get a manager on the phone who explained that the hours previously communicated to me were incorrect citing a different set of business hours that was not included as part of the voicemail or the letter for Barclay 's that I received. I asked that the issue be escalated and the case was reopened. During this period I managed to get the merchant to agree to refund the transaction and they provided me a letter stating that the funds could be returned. I provided Barclay 's dispute services with the letter stating that the funds could be refunded ( this totaled ( {$1400.00} ) on XX/XX/XXXX. Barclays has since refused to provide any update on the status of my dispute, is out of the 90 day dispute window within their card 's terms and services, and has not refunded the {$1400.00} despite written acknowledgement from the merchant to refund the transaction.
Consumer complaint received 2022-06-08
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. (NY)

I had disputed the following three accounts with the three bureaus over the past 6 months, sending three letters requesting validation as well as incorrect information. Each time I get a response back verified without sending me the information I specifically asked, how did you validate? Show me proof. Show me a signed contract with my signature. These three accounts have different information reporting on all three bureaus which also violates my consumer rights. It has been three letters to no fix so now I am asking for a full DELETION of these 3 charge off accounts asap. 

I am enclosing a copy of the most recent letter sent to all three bureaus. 

XXXXXXXX XXXX XXXX XXXX reports last payment on XX/XX/XXXX and XXXX ( No lates ) ; equifax reports last payment of XX/XX/XXXX with one 30 day late in XX/XX/XXXX ; XXXX  reports XXXX since XX/XX/XXXX with no last payment date. 
2. XXXX XXXX equifax reports 100 % paid on time with last payment on XX/XX/XXXX ; XXXX  reports XXXX late payments and last payment on XX/XX/XXXX ; XXXX  reports first 30 day late XX/XX/XXXX. 
3. XXXX XXXX equifax shows late In XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment on XX/XX/XXXX ; XXXX shows late XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX ) with last payment XX/XX/XXXX and XXXX reports late XXXX, XXXX and XX/XX/XXXX with collection XX/XX/XXXX with no last payment date. XXXX also reports this as a insurance claim or terminated for default ( not true being I have the furniture In my home ).
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

I called and spoke to XXXX  from Chase bank in the XXXX office and asked to revoke my ACH authorization from a utility company XXXX XXXX, she said they do not provide ACH authorization but only offer a stop payment. That as long as I spoke to the company and revoked it with them and they did not honor it then I can talk to Chase about a dispute. She said they do not offer to revoke an authorization only a stop payment. Which I believe is against the law if I ask for a recurring charge to be revoked from my bank why can't they honor it?
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SD)

Today, XX/XX/XXXX around XXXX XXXX I went to the Wells Fargo on XXXX XXXX in XXXX WI to deposit money to my savings account. 

It took forever as the machine was scanning my deposit and ultimately I got an error. I got my debit card back, but the money was not out far enough and I couldnt grab it. Then that slot closed and I never got my {$140.00}.
Consumer complaint received 2022-07-29
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. (GA)

It appears that my file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im eager for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. I already sent letters to BUREAUS to inform this issues on XX/XX/XXXX but no response until this day. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$650.00} XXXX XXXX XXXX XXXX Balance XXXX {$650.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ;
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (MI)

I opened a credit card with Best buy and unfortunately I did spent the whole thing right away and didnt pay it back on time maybe a few times I dont remember, but thats on me. However they reduced my credit limit at a time I was paying my credit card on time every single payment and even continuously paying my account on time they were dragging my credit down the hole. Then they dropped me to {$350.00} limit and put my available credit at {$0.00} so anytime I spent anything on the card it dropped my credit and notified me I have overspent. It has continuously taken my credit down due to it being a {$0.00} available credit, I was doomed if I used it and doomed if I didnt. Its been a few years on my report. They also spelled my name incorrectly on my card and it has been incorrect for years. When I told an associate they said it was fine.
Consumer complaint received 2022-09-23
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXXXXXX -XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-09-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NH)

In XXXX of XXXX like millions of others we went on a XXXX forbearance due to unemployment and lack of childcare, all seemed well and Loancare LLC XXXX seemed very helpful most likely to it being a law I assume now. I requested an extension 6 months later and then after that bringing our forbearance term to the end of XX/XX/XXXX, at which time I was then contacted by XXXX who I thought was a legitimate housing counselor due to them having my personal information. For 2 months I communicated with them solely as instructed being told to be patient, thinking there would be a resolution. There was not. I was later informed that our personal information was stolen by someone that hacked the servers of XXXX XXXX XXXX XXXX aka LoanCare LLC. I then received my foreclosure notice in late XX/XX/XXXX of which I made contact with LoanCare LLC, as the letter gave me different options I chose the mortgage assistance application route. Apparently in doing so it voided my pre-approved Covid-19 modification option I was told by one of the supervisors I spoke with in late XX/XX/XXXX and put me on a regular modification request which requires paper documentation and that is where my vicious cycle we have been stuck in since began. I contacted a XXXX  IXXXX XXXX XXXX on XX/XX/XXXX XXXX after yet another request, she informed me that she had found my documents and forwarded them to the processing department but I have been told this before to no avail. These documents have personal information included our children 's XXXX XXXX  XXXX where are they going. Which brings us here, today XX/XX/XXXX at XXXX per my HUD approved housing counselor XXXX representative XXXX XXXX XXXX We desperately need help to keep our home for our family of XXXX including XXXX young kids, XXXX infants. For further information we are fully qualified and approved for a {$20000.00} grant from the NH Homeowner Assistance Fund. Thank you.
Consumer complaint received 2022-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SouthLaw, P.C. (MO)

Get a cup of coffee it is very long. 
First this forclousure is on a debt that's over 20 years old. 

In XXXX of 2022 I went to work on Sundar evening as I work third shift. I opened my gate to leave and I noticed a realtor yard sign in my neighbors pasture with my address hand written on the realtor sign. I was puzzled but did not bother it. as it was on my neighbors land. So the next evening I left for work and on the inside of my gated driveway was a XXXX XXXX XXXX big thick envelope. I opened it and inside that envelope was a white envelope the was exactly like the one on the realtors yard sign. So I opened it up and it stated. 

( From XXXX ) On XX/XX/2022 there was a public auction at the county courthouse for property located at XXXX XXXX XXXX XXXX XXXX, MO. 
We have attached a copy of the sale notice that was published in a local newspaper. 
There were 5 bidders present besides the lender that ordered the sale. I think all of us were smaller private investors that buy a smaller number of properties each year. Four of the five bidders made bids at the live public auction on the home. XXXX ended up being the winning bidder. We should receive the deed in less than 30 days from the trustee. 
WE plan to offer the home and land for sale. It has always been our courtesy policy to offer the opportunity to buy the home to previous oweners first when the property is occupied at auction time. Would you have interest in buying the home? 
We have reached out and paid for insurance on the property to protect our investment. 
Wer are hoping you will have interest in buying. We would sell it to you for a lot less than we would sell it to anyone else. 
Please feel free to reach out with questions by calling or texting XXXX. Texting is usually a quicker and easier way to communicate for us but we'er avaliable for phone calls also. 

Thats the letter I got in the envelope. I had no process of service, no dunning letter from the debt collector. And no judgement filed against me or my property. None. We proved that by mailing a sunshine law request to our XXXXXXXX County Court Clerk. And we had a professional Title company do a title search to check if there were any Judgements. None. 
I hired two law firms with three attorneys handling my case and all three abandoned my case and put in a motion to withdraw after I demanded the attorneys assign another company called Southlaw as primary defendent and XXXX  as co-defendent. 

So now I have to do it myself. 

This has been going on now since XXXX of this year. I also sent off a ( QUR ) qualified written rerquest. to Southlaw, XXXX and their attorney, and everyone on the assignment that was on my title from the XXXX County Recoreder of deeds. I received nothing back from any of them as to validate the debt. 

I'll stop here and let you people do the rest. 

Respectfully XXXX XXXX XXXX