davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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. (ND)

As of XX/XX/XXXX I received an email about my credit report on Equifax. XXXX XXXX/XXXX  XXXX  marked XX/XX/XXXX as a late 30 day payment. My score dropped 37 points. This is impossible as I sold my home, closed and paid loan in full XX/XX/XXXX. I have been in contact with XXXX  the last 4 months trying to fix payments marked as late. I thought the issue was resolved as XXXX  and XXXX showed the months of XXXX XXXX as current, XXXX as 30 day late, and XXXX and XXXX were marked as " D-No Payment History Reported/Available For This Month '' and XX/XX/XXXX showing CLOSED. I opened a dispute with Equifax XX/XX/XXXX to update credit information and the report is completely different then what the other two agencies are reporting. Due to their errors I am now not able to get a loan because they reported a late payment for this year. They also did this to my husband 's credit but reported the month of XX/XX/XXXX as 30 day late.
Consumer complaint received 2021-09-16
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT HAS BEEN AFFECTING MY CREDIT SCORE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE ; I WOULD LIKE A RE-INVESTIGATION INTO THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT REPORT.
Consumer complaint received 2021-08-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-30
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: JPMORGAN CHASE & CO. (NY)

There is an error on my credit report stating that in XX/XX/2020, we were 30 days late paying our mortgage. I have supplied the credit bureaus, especially XXXX, with the correct information. I even supplied a letter from the mortgage company stating it was their error and we were never late. This has taken more than 4 months and several disputes & is never corrected. I have spoke, to the mortgage company & they have stated that they submitted the correct information to all credit bureaus, yet nothing has changed.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE LOST MY IDENTITY AND I PILLED MY REPORT. THERE ARE NUMEROUS ACCOUNT THAT SEEMS TO BE INCORRECT ON MY REPORT. I SENT A DISPUTE LETTER ON THE XX/XX/2021 ABOUT THOSE ACCOUNTS THAT APPEAR TO BE INNACURATE ON MY REPORT. I REACHED OUT TO THE CREDITOR AND THE NEVER RESPONDED TO ME.
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC (FL)

Good Afternoon ; I have been using Ria Money Transfer since XX/XX/2021. I downloaded the application, and I was able to send money to XXXX and XXXX, where I have my relatives. I have not had problems for all these months until today. I was sending money to XXXX when my phone received a phone call, and I couldn't put the code to send this money. Then when I returned to the Ria Money Transfer app looked like the money was sent, which is weird since you can send money only with a code. A few minutes later, I received an email from Ria Money Transfer saying that I couldn't send money to the person to who I was sending the money. 

I called customer service ; they were very friendly, explaining what the email meant. Then I received another message from Ria Money saying that my account had been canceled. At that moment, the representative changed his tone of voice and became more aggressive. He told me that my account had been canceled. I asked, what is the reason? 
He replayed that it is the company 's policy not to give any information about their internal decision. I was never informed of their reason for blocking my Ria Money transfer account. I'm an outstanding citizen of the United States of America. I have never been denigrated. I feel that this company doesn't explain its policies, so I, as a customer, can fix any mistake on my part. At this point, I feel like a delinquent, and beyond that, I can't send money to my relatives any longer through Ria Money Transfer. I have spoken with several representatives without a justified answer to eliminate my account. They told me that I would never be able to use their service. I asked to speak with a manager. They told me that I couldn't. People like me can't infringe on their policies and procedures. I leave this complaint to you because they act as if nobody regulates them.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT CONCEPTS, INC. (WA)

I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers. 

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with Credit Concepts and them trying to continue to overcharge me.

Please review my account I have two credit concepts reported on all of my credit reports but only
ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!
Consumer complaint received 2021-11-22
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. (MD)

I noticed an account on my report that I did not open. I disputed it with Equifax once last year and again this year XX/XX/2021. They replied that they have investigated the account and it still remained, but with less information than before. Let me be clear, this is not my account. I am a victim of identity theft, and my police report is attached. I have contacted both the company listed and the Equifax, and neither have taken the steps to correct the issue.
Consumer complaint received 2021-08-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (NV)

XX/XX/2021 a man knocked on my door around XXXX pst. The man asked for me and told me that my XXXX was late on payment I explained to him ive been in contact with my bank thru email and not sure why he was at my door the guy states he's with ally financial and say he was here to close my loan and to call the bank. I told the man not to ever come to my door again. This man was caucasian in his 50 's for sure. I've been in contact with some guy thru email name XXXX XXXX who keeps emailing me and tell me to call his private phone number XXXX and the email is XXXX. This has really scared me because I just moved to this location and they do not have the address. I feel violated and not safe.
Consumer complaint received 2019-05-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP (NY)

I have a car in lease. I signed for a loan XX/XX/2019 at XXXX..went back to dealer XX/XX/XXXX XX/XX/2019 .I asked him to cancel loan it was to much. That I needed to extend the lease. So I extended lease with XXXX XXXX. Filled out paperwork and explained what happened at dealership. This was done XX/XX/2019.I was told not to worry they will extend my leases. They receive my money and the contract. But on XX/XX/2019 the dealership with through with the loan. So XXXX XXXX told me because they received the money before mines they took the check. But they also took my check and cashed it. .for my lease extention
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing my credit reports i noticed unfamiliar accounts and information on my credit report... i may have been subject to fraud and my information compromised. The following accounts are unfamiliar... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I've been trying to recover my paypal account. Its started when my money is on hold and i waited for many days before they returned it. I already send details for account limitation but they responded that i am permanently limited. Now i cant even convert my USD money to PHP. It always stated that " Were sorry, things dont appear to be working right now. Try again later. '' How can i convert my money and how to withdraw it? Can my paypal account limited becomes unlimited again? How? Thanks and i hope you could help me resolve my problems.
Consumer complaint received 2019-06-11
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. (MA)

To Whom it May Concern, In 2013, I was convinced by a salesperson at XXXX to apply for a store card in order to receive a discount on clothing. I was told that I would receive the card in the mail. The card was never arrived, nor did a bill or any form of communication from XXXX for several months, until I received a letter from the debt collection agency, XXXX. Although it was sent to my address, it was directed to someone with the last name of the street I live onXXXX XXXX ( addressed to " Mr. XXXX '' ). 

I called XXXX to complain, and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years, my credit report continued to show both XXXX and XXXX, preventing me from applying for any type of credit card or loan due to " serious delinquency. '' I made another attempt in XXXX to contact XXXX ( since the account was in their hands ), and spoke with someone in upper management. He apologized on behalf of XXXX XXXX  actions, agreed to close the account, and to contact XXXX XXXX, Equifax, and XXXX have it deleted from my report. This was successful, but my score strangely dropped 80 points. I then called all three credit bureaus and was offered no explanation to why this happened. They suggested to contact XXXX, which didn't make logical sense to me. However, I took their suggestion and explained my situation to an individual at XXXX over the phone that XXXX closed the account and asked that XXXX, once and for all, remedy their error and contact the credit bureaus to delete the error from their end. I called XXXX back to check the status two weeks later and was told by a different individual XXXX had indeed sent the three bureaus a letter requesting that it be deleted. Yesterday I received a letter from XXXX XXXX addressed to " XXXX XXXX '' ( XXXX XXXX ) stating that XXXX was unable to close the account or request that it be deleted without any explanation. 

I feel that what I have gone through, for six years, is most unfair and unprofessional. I am a XXXX XXXX who supports XXXX children. I make regular monthly payments on a mortgage and car. My credit score and report have suffered because of a simple, clerical error that was never remedied by a clothing store. 

Thank you for your attention, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX
Consumer complaint received 2019-06-11
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. (GA)

On XX/XX/2019. I opened a dispute regarding fraudulent activity on my Equifax Credit Report. The confirmation number for the dispute is XXXX. I received an email stating that the results should take 30 days which is allowed. I've since checked my results and they have did not complete a valid investigation on one account that was disputed specifically XXXX- a collection item. I spoken to several reps to try to resolve this but they can not provide me results and one rep told me that " they entered the wrong code '' So he then advised me to open another dispute since It was still displayed on my credit report. But it has been pass the 30 days and the result for that account was not complete. This is a violation. It is now XX/XX/2019 no results have been updated.
Consumer complaint received 2022-08-11
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lazega & Johanson LLC (GA)

A FRADULUENT NON-STATUTORY LIEN WAS FILED WITHIN THE XXXX XXXX XXXX DATED 2017 FOR NON PAYMENT OF HOA DUES. THE DUES WERE PAID. WE BASICALLY, PAID THE DUES A SECOND TIME. THERE ARE NO HOA DUES OUTSTANDING FOR THE PROPERTY LOCATED AT : XXXX XXXX XXXX XXXX XXXX GA XXXX WE SUBMITTED AN EMAIL REQUESTING A RELEASE IF LIEN AND HE WILL NOT RESPOND. THIS IS CAUSING MORE HARM AS IT RELATES TO OUR MORTGAGE FRAUD ISSUES. ALSO, HE COLLECTED THESE DUES WHILE MY WIFE WAS STILL IN BANKRUPTCY. SHE WAS DISCHARGED ON XXXX THE FIRST SET OF DUES WERE PAID TO XXXX XXXX  XXXX XXXX WHO STOLE THE MONEY AND DID NOT TRANSFER THE MONEY TO.
Consumer complaint received 2021-03-21
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: HW Holding, Inc (KY)

This company keeps harassing me when I did not have any type of business with them not have I ever given them my information, I also have never given anyone else or any other company the authority to give out or sell any of my personal information. They also keep changing the amount on this collection and keep reporting it to the bureaus falsely and incorrectly every week. Get this mess off of my report.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo, has held my mortgage for 15 years. It started off as an interest only 6 % mortgage. It was {$350000.00}, I paid it down to close to {$190000.00}, after they charge me huge amounts of money to refinance it to a five and three-quarter percent loan. They solicit me continuously, and offer me all kinds of new refinance programs that would cost thousands of dollars to put back into the mortgage. They recently sent me a offer to refinance at 3 1/4 %. Stream line, clean fast. There is nothing streamlined about it, I have paid out of pocket to have an appraisal, I have spent countless hours sending paperwork, I have paid my accountant to send in all kinds of tax forms. My credit is way up over 800 .I have an immaculate record and impeccable history. Yet it has been several months since they have responded with this new and improved refinance. I believe it is all a scam I have wasted my time, and my money.
Consumer complaint received 2019-05-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (AL)

WellsFargo Home Mortgage states two payments are due on : Mortgage account : XXXX. 
Payment due are XXXX and XXXX XXXX Bank shows that the funds were taken out of our checking by WellsFargo from bill pay transactions : XX/XX/2019 Tran conf number XXXX XX/XX/2019 tran conf number XXXX When discussing the issue with Wells Fargo, they say that they think they have an old lockbox that was given to use by the WellsFargo collections department caller and that the money will eventually be returned to XXXX when, or if, they find the money sent to the old lockbox. 

All we know is that we sent entered the address that WellsFargo provided and that they removed the funds from our checking account by ACH. We would like the money found and applied to our mortgage.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

It was brought to my attention by other people that Citibank has overcharged interest and other fees on many of their cards, including store cards. Also, Citibank was the guarantor of the student loans and we were charged interest and fees for making phone payments. I am trying to look into this matter and see where it has affected me, and my spouse, since we carried several Citibank cards, store cards and years with them on my spouses student loans before they transferred them to another company. He had the student loans with Citibank for several years and had submitted all required information to them on the Service member civil relief act but no action was taken by Citibank on this matter.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

In trying to unlock a credit freeze Equifax login would not work. I previously had set up a log in username, password, and pin and in the past have been able to manage my credit freeze this way. On XX/XX/XXXX I lifted a credit freeze with XXXX XXXX and XXXX  but was unable to do with Equifax. I tried to reset my password, but the system asked me questions about my credit file that I could not remember and then gave me a message to call XXXX. When I called in, they asked other questions that I could not remember like when I opened an account 4 years ago or some cryptic name that a bank has on the report. Then before I speak with a customer service rep the system automatically hung up on me. I tried calling three more times that day to avail. It was either on the phone or online that the automated system indicated that I could get my credit report by mailing in my personal information. I sent in my information sometime between XX/XX/XXXX XX/XX/XXXX and received my credit report about 10 days later. The report is dated XX/XX/XXXX. 
On XX/XX/XXXX I tried to reset my password again but was unable to do so and got the message to call XXXX again. I used my credit report that had been mailed to me to more accurately answer the questions asked by the automated phone system. I finally got through to a customer service representative and after many more questions she told me that I needed to clear my browsing history from my web browser and try to reset my password after waiting 30 minutes. I complained to her about how long it had taken me to get to her, but she just started repeating the instructions until I realized she was not going to help me any further. I followed her instructions, and I was still not able to reset my password. Any other company in the world has the ability to force a reset of a password so I find it hard to believe that Equifax is the only company that lacks this capacity. Therefore, I feel as they are purposely making using a free service difficult and that should be illegal. 
I have tried again today, XX/XX/XXXX the same process of first trying to rest my password online but the system immediately indicates that I need to call XXXX. I called and followed the prompts and using my credit report to answer the questions, I was denied speaking with a customer service representative. I looked everywhere on the web site for a different way to call in and did find a different number, but it leads to the same prompts as the other number. 
I am trying to refinance a home and a company that I am a partner in is trying to finance a large equipment purchase ; this lack of access to my frozen Equifax has become a hardship and I am unable to speak with anyone at Equifax to come to a resolution. Please help me resolve this issue.