davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I am currrently in Forebearance with my loan with XXXX 

I sold the property the loan was under so that I could pay off this loan since it was a rental property and I am not getting any income and am behind on the payments with the forebearance. 

However, after selling the property the escrow closed on XX/XX/XXXX and the escrow company wired a payoff amount to the company which they considered incorrect as it was short {$980.00}. The payoff amount was calculated to XX/XX/XXXX but the escrow company prorated the pay off to the date of XX/XX/XXXX and sent a wire transfer for an incorrect amount. 

I contacted the company and at first was told I could pay the {$980.00} via a phone payment to them and then the wire transfer they rejected could be resent by the escrow company to close the loan and I would then be refunded the difference after they closed the alone between the amount actually due and the pay off amount given for XX/XX/XXXX. However, the escrow company did not receive the wire transfer back and when I spoke with management instead they insisted on refunding the {$980.00} that I payed them back to my account and that the escrow company needed to wire transfer the full amount to them or they would not close out the loan although the deed was already transferred to a new owner. 

I was given a pay off from the escrow company and now I have to wire them back money to have them resend a new payoff to the loan company as they in turn refund me the difference with the payment that I made. In additiona they are taking XXXX or more days to process and return the payment so the escrow company can not rewire the pay off amount to them yet.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

I filed a complaint with CFPB against CITBANK in regards to wire fraud on my account. Money was stolen from my checking and savings account. I did all the necessary steps to notify the bank of the money being stolen but the bank failed to act in a timely manner which caused the funds to unrecoverable. 
Citibank responded to the CFPB complaint advising they reviewed the complaint and were closing it by issuing monetary relief to reimburse me for the money stolen. 
I have tried to call the bank to obtain the funds so that I can close my account and each time I call nobody knows what I am talking about. I can't even get them to release my direct deposit from the IRS or My Payroll that were sent there after the hold was placed.

I even called the number on the Citibank letter and no one can even answer my questions and act as if they don't know what I am talking about.

I am still unable to obtain funds that were deposited and unable to receive the reimbursement that was promised by Citi Executive Response Team. 
I would like to receive my money and close all my accounts.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that these assumed accounts were in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the dates you are reporting. Please report the payment status as positive and update the lates from reporting on these accounts. 

XXXX XXXX Date XXXX Balance : $ XXXXLate/Closed Late Date XXXX, XXXXXXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-08-12
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. (SC)

On XX/XX/2022, I prepared a letter to the CRA ( XXXX, Equifax and XXXX ) In reference of my right for privacy was violated. The credit bureau post medical collection on my credit report without my consent. 15 USC 1681 ( a ) ( 2 ). XXXX- Account- XXXX and XXXX and XXXX XXXX XXXX- account XXXX are reporting on my credit. 

There is should be no medical collections reporting on my credit report because it is a violation of hippa law and 15 USC 1681 a ( 3 ) ( b ) ( c ) - states any medical bill pr information should not be my on consumer report. 

After I received the notices from XXXX, XXXX and Equifax. XXXX removed all of the medical collections. Equifax and XXXX stated the accounts were verified. 

On XX/XX/2022 I prepared another letter for XXXX and Equifax. I sent the letters certified mail- Equifax ceritied mailXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I stressed my concerns about reporting this private information for the public. As a consumer I have the right to deny or decline what is reporting on my consumer report.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX I contacted a collection company XXXX XXXX. They realized an error and submitted for this collection account to be removed. Every month I call and it is not removed from Equifax, All of the other agencies removed it. When I contact Equifax they provide a scripted statement of will be removed in 30 days. It is now mid XXXX and I called again today and was given the same answer again. I call the Collection agency again today whom in turn provided me with the control number for deletion that was sent in XXXX to Equifax - XXXX # XXXX and told me they could do nothing else to help. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$530.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX When I called equifax again and provided the control number they told me that they would put the control number as a consumer statement and do another dispute and I will need to wait another 30 days. I have been attempting to get a home loan and each time they ask me about my collection account.. I have been denied a loan over and over because of this. 


Please help me. Sincerely XXXX XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC (CA)

I took out a personal loan with Loan Me, and after I got sick with XXXX  I couldnt work anymore or pay any of my debts. 
So Loan Me transferred my debt to XXXX XXXX XXXX, this company calls me XXXX times a day or more. 
And last week they called & text : My Father / My Sister / My XXXX XXXX XXXX daughter & My Ex-Husband!!! 
In the text messages they disclosed how much I owe them and they also tried to negotiate down the debt so they could probably pay it off for me. 
This was very embarrassing and Ive been very depressed!! My sister is also mad at me & not talking to me over this!
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] 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 ( XXXX ) to be in error : Account Name : [ XXXX XXXX, XXXX XXXX Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVE THIS THE 2ND ONE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (OR)

This student loan first originated during the Award XXXX - XXXX while attending the school called, XXXX XXXX XXXX XXXX XXXX XXXX which can be found in the uploaded supporting documentation on page XXXX where I have given you a copy of the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report does not reflect the Award XXXX - XXXX and is missing loan servicer Conduent, Borrower Services Department XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX This loan originated in XXXX and is still in repayment according to the loan servicer. Let the record reflect the correct date the current loan was first was awarded, in XXXX, and last sold by the loan servicer in XXXX. I have not taken any loans since XXXX and the XXXX loan is a requirement of the servicer to buy and sell loans to other companies. Correct this mistake, I included my lawsuit from XXXX on this matter as a second form of Federal proof of it's existence before XXXX. Thanks.
Consumer complaint received 2022-09-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (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 submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX BANK OF AMERICA 5XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00}
Consumer complaint received 2022-01-03
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. (MD)

As by Law, under XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-08-12
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. (GA)

I asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX : XXXX Never 30days late XXXX XXXX : XXXX Never 30 days late, High balance incorrect. 

XXXX XXXX XXXX  I have know knowledge of this account In Accordance With the fair credit reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1861 section 604A Section 2 It also states a consumer Reporting agency Can not furnish A account without my written instruction.
Consumer complaint received 2021-10-25
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I purchased 3 concert tickets from XXXX for a XX/XX/XXXX show that was postponed to XX/XX/XXXX. Over several months I reached out multiple times to XXXX  because I was unable to login and access my account or the tickets I purchased. I never received an email confirmation or receipt. Their app does not work and it is the only way to access tickets, which I never constructively received. There is no way to reach XXXX  customer service, all phone numbers circle back to the website ( that doesn't work ). I reached out on XXXX support and email and was not able to get anyone to help me access my tickets. Before the show, on XX/XX/XXXX, I called Chase and they told me I had a strong case to dispute the charge and to wait until after the show. On XX/XX/XXXX I called and Chase refused to file a dispute until I escalated to a manager who filed XXXX. On XX/XX/XXXX I called to check the status of my dispute and they said no actions had been taken and to wait. On XX/XX/XXXX I called and the rep said she didn't have any information about the case so I gave her all the details and she put me on hold then disconnected. I called again, spoke to a different rep, who also disconnected as I was mid-sentence giving her the information all over again. Chase refuses to take my complaint seriously and has given me false and conflicting information despite me never receiving the goods/services I paid for. Their reps have repeatedly failed to take notes of the calls we have and do not take any steps to address my concerns or carry out their duty to resolve this dispute and fairly represent me.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (MS)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-25
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY LISTED BELOW IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-11-05
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. (CA)

I have disputed withe all 3 credit bureaus about 30 day late payments on my credit report. The credit bureaus investigation results said that the lates are factual but are false.On XX/XX/2021 I received a letter from creditor stating that they have done an investigation with the credit agencies and did not find ANY reporting of delinquent payments! The bureaus still have not removed the derogatory marks from my records.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (AL)

I HAVE BEEN TRYING TO FIX A PROBLEM WITH GINNY 'S FOR 8 MONTHS WHERE I ORDERED SOME ITEMS AND PLANNED TO PAY IN FULL AS I ALWAYS DO. HOWEVER, GINNY 'S NEVER SENT ME A BILL IN THE MAIL, AND I ASSUMED I HAD PAID IN FULL AND HAD NO OUTSTANDING BALANCE WITH GINNY 'S UNTIL I WAS ALERTED BY XXXX  THAT GINNY 'S HAD PLACED A 30 DAY LATE ON MY CREDIT REPORT AS OF THAT DATE. I IMMEDIATELY CALLED GINNY 'S AND WAS SURPRISED BECAUSE I NEVER RECEIVED A BILL AND THE LAST TIME I HAD CHECKED ONLINE THERE WAS A XXXX BALANCE. 

I HAVE BEEN TRYING TO GET THIS MISTAKE CORRECTED BUT GINNY 'S WILL NOT BUDGE. YOU CAN CHECK MY PAYING RECORD AND SEE THAT I HAVE NEVER MISSED A PAYMENT WITH GINNY 'S -- I ALWAYS PAID IN FULL. FOR THE PAST SEVEN YEARS I HAVE AN OUTSTANDING CREDIT RATING WITH ALL MY CREDITORS, AND GINNY 'S IS THE ONLY 30-DAY LATE BEING REPORTED WHICH IS AN ERROR MADE BY GINNY 'S.
Consumer complaint received 2022-09-30
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. (NY)

I wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Contacted LoanCare LLC on XX/XX/XXXX to obtain a payoff amount/date. I was told via phone of the payoff amount ( {$59000.00} ) that would be good thru XX/XX/XXXX and the customer service rep also said they would send an email with the information. Based on the amount provided over the phone, I submitted a payment to satisfy my balance. This payment was submitted in the same manner as all payments have been submitted which is an electronic transfer from my bank. This transfer was received by LoanCare on XX/XX/XXXX. 

I had not heard back from the company and called them today ( XX/XX/XXXX ). I was told by the customer service rep that my payment had been received but had not been applied to my loan. The rep stated that because the payment wasn't submitted by Cashier's/Certified check or wire transfer it would not be applied to my loan until Friday XX/XX/XXXX, 10 business days after LoanCare received the payment. 

I stated this doesn't make sense, this was never explained to me and that I submitted the payment as always and by holding my payment for 10 days this would cost me extra interest. I stated the payment should be applied based on the date the payment was received ( XX/XX/XXXX ). The rep stated that wasn't their policy and it would be applied as of XX/XX/XXXX.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XX/XX/2022 XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-25
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)

IN A PAST I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY PERSONAL INFORMAITON WAS USED TO OBTAIN CREDIT AND SERVICES WITHOUT MY CONCENT. I HAVE CONTACTED THESE CREDITORS AND SENT THEM AN IDENTITY THEFT REPORT REGARDING THIS MATTER. THESE CREDITORS AGREED TO DELETE THEIR INFORAMTION FROM MY REPORT BECAUSE IT WAS OPENED UNDER FRAUDULENT ADDRESS AND EMPLOYMENT. WITH THE SAME INFORMATION I HAVE CONTACTED THE CREDIT BUREAU BUT THEY ARE REFUSING TO REMOVE THESE FRAUDULENT ACCOUNT FROM MY REPORT. THERE ARE THREE ACCOUNTS WHICH ARE FRAUD RELATED AND BECAUSE THIS FRAUDULENT INFORAMTION I AM NOT ABLE TO OBTAIN MY STUDENT LOAN TO CONTINUE MY EDUCATION. PLEASE HELP.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting Act XXXX  these accounts listed above 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 statees a consumer reporting agency can not furnish a account without my written instructions.