davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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. (MO)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I WOULD LIKE TO HAVE MY CREDIT ALERT REMOVED AND CREDIT FREEZE REMOVED FROM MY CREDIT REPORTS. I HAVE A UNKNOWN ADDRESS ON MY FILE THAT I NEVER LIVED AT PLEASE RMOVE : XXXX XXXX XXXX XXXX XXXX, CA XXXX. I HAVE LIVED IN OHIO MY WHOLE LIFE!
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (MA)

I have been a victim of a scam from an individual that mislead me to invest in XXXX. I wired from my personal financial institution to Crypto. The total amount sent was about XXXX. These funds were then sent to a different platform, XXXX. XXXX wallet is now withholding my funds ( total XXXX ) and are requesting I pay a deposit for withdrawal. Until I pay this deposit my funds are frozen. This is clearly a scam. I did not realize that my funds could be in jeopardy and Crypto did not offer any protection against scammers. 

I have contacted the authorities, such as the FBI, I have filled an IC3, a complaint with the Federal Trade Commission, the U.S. Securities and Exchange Commission, the Federal XXXX XXXX XXXX, the Department of Financial Services, the Commodity Futures Trading Commission, Massachusetts Attorney Generals Office, I filed a police report and have communicated this fraudulent activity with my financial institution.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My name is XXXX and I recently opened a checking account with Citi bank and I work as a driving instructor so my job pays me every single month. When I deposited a check last week on my XX/XX/22 the money processed in about 3 days. After the second day passes by I come to find out that they have blocked my account and then closed and terminated it afterwards for no apparent reason. Now I have {$2800.00} stuck in my account and I can not get it out.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company continues to report this fraudulent info on my credit reports. They say they 'll remove it and they do, but they put it right back on again XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-14
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. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-11-14
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, JPMCB Card, and XXXX  XXXX XXXX creditor has violated my rights. 

Under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

RE : Flagstar Bank, XXXX XXXX XXXX, XXXX, MI XXXX In XX/XX/XXXX, the FHA loan was approved and funded without the loan servicer confirming all repairs were complete, specifically the lower level A/C unit -- which ultimately affected the XXXX XXXX XXXX XXXX XXXX XXXX. 

In early to mid XXXX, I experienced an unexpected loss of income an immediately contacted the Flagstar Bank as a proactive measure ; but was advised to allow the loan to default before applying for assistance. Loss Mitigation efforts were handled with negligence and prejudice, thus resulting in undue financial and emotional strains over a period of 3 years. 

A total of XXXX Loss Mitigation applications were submitted. During the 3 year process, there was either NO communication or lack of communication via mail or phone calls. However, it was the mishandling of the initial Loss Mitigation app that significantly changed my family 's life.
Consumer complaint received 2021-12-14
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. (IL)

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXXXXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-11-14
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX ears 15 U.S.C. 1681S-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the I person knows or has reasonable cause to belleve that the intormation is inaccurate.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TaxServ, LLC (CT)

XXXX XXXX repeatedly sent collection letters with their logo and each phone call was prefaced with an attempt to collect a debt and failed to disclose I could have reci no ded the contract of a lemon vehicle.
Consumer complaint received 2016-10-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

Received a call from a XXXX XXXX and XXXX XXXX in XXXX IL about cash flipping. They took {$100.00} from me and never received anything from them. They have dropped all contact with me and all. This was a MoneyGram. 

Please look for these XXXX numbers : XXXX from XXXX XXXX. 

XXXX from XXXX XXXX.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AmeriCash Holding LLC (MO)

I have fallen behind in my payments to Americash loans due to pay shortages. I have faithfully made payments until recently when the ultra high payments have been too much to handle ( approx. {$380.00} every 2 weeks total of $ XXXX monthly ). 

They have been calling my workplace from XXXX and demanding call backs. I will attach photos of my phone for your viewing. This has caused me much embarrassment with my staff, and has disclosed the fact that I am behind on my payments and being collected on.
Consumer complaint received 2022-11-14
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 (TX)

In accordance with the fair credit Reporting act SYNCBXXXX XXXX XXXXXXXX, 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 furnish an 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 any purpose.
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (PA)

Emergency room physician bill wasnt paid initially due to billing error ( he was hit by a car on his bike, they billed his visit as a headache ). After speaking with the billing company and insurance, bill was paid XX/XX/2016. Equifax and other credit reporting agencies listed the bill as unpaid, after a debt collector reported it to them XX/XX/2016. I have repeatedly sent the debt collector copies of the EOB from the insurance company indicating that the bill was paid, and contacted the billing company ( XXXX ). I called the debt collector again today, who said to fax the info to them. I tried to fax it, no one answered the number they gave me. They wont discharge this on his credit report, they wont accept the fax.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (MD)

Made lump sum payment on loan with Marcus Goldman Sachs of XXXX on XX/XX/22. Received a bill for remaining interest amout that was due XX/XX/22 for XXXX. Made payment on XX/XX/22. Was reported 30 days past due on credit report. Disputed with XXXX payment status, was removed. 30 day marker reappeared after creditor sent same info, did dispute with XXXX a second time, creditor falsely reporting account now was 60 days past due, yet account was already closed XX/XX/22, today is XX/XX/22. Submitted a 3rd dispute with XXXX because creditor will not update correctly and would like assistance with this matter.
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (WA)

Original- complaint XXXX Received an email stating this case number was closed due to being resolved. After, I received this email- I finally got an email from Loan Care. In their email dated XXXX XXXX stated they were looking into the Ex-Wife still being on the loan. They requested to have proof of Insurance as well as proof of payment made. 

Your email dated on XXXX XXXX stated the company had resolved the issues. 

I feel this has not been resolved and I'm at more of a loss. 

On XXXX XXXX XXXX I received an email from my attorney 's assistant claiming my case was going to be handled by another attorney and that I was to be in court the following morning. I knew nothing of this date. 
After, several emails my attorney replied that she was able to get a continuance in place which is tomorrow up in XXXX WA- concerning my Bankruptcy that I filed to protect my house in hopes the issues with Loan Care would be resolved. 

At this point- the money that I gave in XXXX of XXXX has not been fully reconciled. The Company had several charges for fees that were duplicated and I feel they used the extra fees that were to be used to pay my payments in advanced in fees that did not belong- just to use up the extra money. Also, there was a payment for XX/XX/XXXX that was never applied to my account- in which the loan care stated I missed the payment. 

Also- in XXXX XXXX I made a payment to the Trustee I would like to have an accounting of that money- the statements do not reflect that they received nor applied to my loan. 

Lastly- I still have not received the pay off amount - so that I could secure financing with another bank if needed. 
I have noticed at some point I was indeed granted a modification of the loan and my interest went down. I however, do not show that I was ever given the confirmation that indeed this was in place. 

I still would like to have my house- I would like to have my ex wife off my house, and have the extra money that I did in fact wired directly in- be accounted for- applied and be able to continue living in my home. I would also like to have the accounting of were the money was applied and to prove they did not use the extra money in fees that were made up. 

I can be reached directly at XXXX XXXX XXXX XXXX. 

I also received a facebook message from my Attorney XXXX XXXX claiming that my friend XXXX XXXX had turned her in for not handling my case properly. My attorney is stating that she is going to withdrawal from my case and not protect my interest. My friend did send XXXX XXXX and email asking her of this claim and to provide documentation and has not heard back. I feel that my attorney is using an excuse- as I have now ask to her to provide the documentation to the courts that I did indeed paid my attorney fees as well. Her receipt that she gave me was a signed business card.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DE)

On XX/XX/XXXX Transworld Systems INC reported the below listed fraudulent account on my credit reports. I was never notified of my right to dispute this account which is a violation of 15 USC 1692g ( a ), by reporting this false information on my credit reports you have violate 15 USC 1692e ( 8 ). I filed a complaint through the CFPB in reference to this debt on XX/XX/XXXX and attached an FTC report. 15 USC 1681c-2 ( a ) states that you shall block the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft NO LATER than 4 business days after the receipt of that notification. I have also attached the police report filed in XXXX of XXXX when this account was initially reported. If this information is not blocked from my credit reports by tomorrow, I will be filling suit against Transworld Systems INC for violations of the FDCPA & FCRA. You are the entity who reported this fraudulent information & you have the ability to IMMEDIATELY remove it. 

This is my last notice before filing suit. The police report is attached. Youve been notified several times that this alleged debt is fraudulent.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (TX)

Upon the of sale our home in the state of XXXX and intent to move and purchase another home in the state of XXXX. We asked our lender at the time, Flagstar Bank, to help us with this new purchase since they were 1 ) servicing our current mortgage in XXXX and 2 ) approved us for a re-finance in XXXX. I believed it would be an easy process seeing that they had all of my financial information in their system. XXXX XXXX XXXX, a Loan Originator at Flagstar, did prepare a pre-approval letter for my new home purchase in XXXX on XX/XX/21. On XX/XX/21 I began the search for a home in XXXX On XX/XX/21 I wrote an offer on a home and that offer was accepted on XX/XX/21. The offer was accepted based on the proof of funds from the sale of my home in XXXX, 1 % earnest deposit of {$4800.00} and updated pre-approval letter dated XX/XX/21. The updated pre-approval letter was provided by XXXX XXXX with a new loan amount from Flagstar that reflected the purchase price of the new home. Escrow was opened on XX/XX/21 and XXXX XXXX XXXX, Loan Processor at Flagstar began to ask for financial documents and for me to prove my legal citizenship and other personal documents from my son also due to his student loan. XXXX XXXX continued to ask for these types of documents and letters of explanation throughout the entire time, leading me to believe I was going to secure a loan. I was the Realtor representing myself and my husband in the transaction and was observant of the contingency time lines, as contingencies are set in place to protect the buyer 's best interest during the transaction. I did my best to communicate with XXXX XXXX and XXXX XXXX of Flagstar and continually provided them with the personal and financial documents they requested. This led me to believe that we would be able to secure this loan. They did not inform me that our loan with Flagstar had been denied on XX/XX/21. The last date to withdrawal my offer due to a loan contingency and not lose my earnest deposit of {$4800.00} was on XX/XX/21. I was finally informed that I was not able to secure a loan from Flagstar on XX/XX/21, the day before we were to close on the purchase and well past the loan contingency date. This then resulted in a direct violation of the contract and I was forced to forfeit my earnest deposit of {$4800.00} to the seller solely due to Flagstar 's negligence and failure to inform me to withdraw my offer. Flagstar had 13 days to inform me that our loan was denied. I believe that Flagstar is responsible for giving mw my earnest deposit that I lost in the amount of {$4800.00}.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CARD Corporation (GA)

First travel had a cent authorization the card com block my card and left me stranded on the weekends there office was closed and charge me almost XXXX and file dispute notify them pertaining XXXX authorization of refund so showing proof still claim the bank is disgusting and constantly ripping me off
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I have been trying to get a modification from Ocwen Loan with no success. 
This has been going on for years. Now they told me they were giving me a modification. I did everything they asked me to do. Now they just denied me again for some bogus reason. They stated that my income is not enough. This is a XXXX account. My mortgage was sold so many times without my knowledge. Many of my payments did not get reported. Now they created a balance that I do n't owe This is a NIGHTMARE. Ocwen said that the LENDER IS XXXX Bank. XXXX Bank is not on my PROMISARY NOTE!!! OCWEN IS NOT ON MY PROMISARY NOTE EITHER!! THEY ARE TRYING TO STEAL MY HOME
Consumer complaint received 2016-11-18
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (AL)

I was put on an account with XXXX college. I was sent a collection letter from Ability Recovery Services. After multiple attempts to get this taken care of through both the college and collection agency. I have gotten nowhere. I have gotten cursed and hung up on by the collection agency. I have also been hung up on repeatedly by the the school itself. This is not my account. I finally spoke with XXXX person at the school that agreed to send me an email stating that my name would be removed from this account. Months later It is showing on my credit report. I disputed this with the collection agency and never heard anything back.
Consumer complaint received 2022-11-14
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. (TX)

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. XXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX TX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ... XXXX XXXX XXXX XXXX TX XXXX... AND XXXX XXXX XXXX XXXX TX XXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
Consumer complaint received 2021-12-14
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. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.