davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IA)

On XXXX XXXX of 2016 my wife and I purchased a house. Our mortgage was promptly transferred from our initial borrower to Ditech Financial. Our monthly mortgage payments include money that goes into an escrow account that is to be used for our property taxes twice a year. On XXXX XXXX of 2016 our first property tax payment was due. Ditech failed to make the payment from our escrow account for our property taxes. At first this went unnoticed and in XXXX my wife and I found out that our property taxes were delinquent and late fees and penalties had been assessed to our account. My wife called Ditech to get this straightened out and was told that there would be a 14 business day investigation period before Ditech would take any action whatsoever. My wife continued to call Ditech every couple of days during the investigation period to try to get updates ( due to the company 's reliability we felt that follow up was necessary ). Yesterday the investigation period was up and my wife called to see what Ditech had determined and if they were able to make our property tax payment from our escrow account. She was told that our monthly payments did n't include funds for a property tax escrow account, which is incorrect. When my wife asked to speak with a manager or someone who could help figure out our situation the customer service rep hung up the phone on her. So now we are no closer to having our property taxes paid and are still accruing late fees and penalties every additional month the payment is delinquent.
Consumer complaint received 2022-03-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Grain Technology, Inc. (IN)

I am currently rebuilding my credit. I saw a product called Grain XXXX and it offers a line of credit to applicants like myself who are interested in rebuilding their credit. I visited their website and Grain XXXX didn't mention anything about their annual fees. I applied immediately and it was after I applied, I realized that they charge an annual fee once I set up my account on their mobile app. I immediately submit a request to close my account through their website. Please note that the company doesn't advertise its annual fee during the application process. I was unaware that there was an annual fee. This is deceptive practices.
Consumer complaint received 2022-03-28
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AR)

CITI bank issued a refund check for the amount of {$3000.00} on XXXX/XXXX/2016. I tried to deposit the check into my XXXX checking account. But, XXXX never released the funds to me saying that CITI placed a hold on the issued check. As a result XXXX suspended my checking account. When I called the CITI bank they issued me a replacement check for the same amount and I deposited into my XXXX XXXX XXXX checking account and it 's cleared. But, CITI is charging the first check of {$3000.00} on my credit card account ( but I never received these funds ). It 's impacting my credit score and each month CITI is generating statement with 23 % APR on the {$3000.00}. It 's been more than 2 months but the issue was not resolved. I contacted CITI and XXXX several times, but they never resolved this issue.Please help me to resolve this issue.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a Macy 's department store in XXXX, Oklahoma. When I did not receive a bill from Macy 's I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving Macy 's received the check and deposited it. They never credited my account. I spent literally hours on the telephone with Macy 's explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process Macy 's continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from Macy 's with XXXX on XX/XX/XXXX but never received a response from XXXX. I spent nearly an hour on the phone with XXXX today with no benefit other than being cut off after speaking with two representatives. I am am retired XXXX XXXX XXXX XXXX XXXX XXXX. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from Macy 's. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (IL)

The Company called me on XX/XX/XXXX after saying they received a debt from an old credit card. I subsequently asked for a verification of the debt and only received the settlement offer that the company had suggested. I did not receive the verification of the debt. 

The lady, I spoke to XXXX, subsequently told me that I would have to report the best and damage my credit unless I paid the debt. 

It was implicitly stated that my credit would be damaged unless I paid the debt in full and I did so. Not only did they take the money without sending me the verification but consequently went ahead and reported the debt damaging my credit. The balance reported did not show the payments made even though I did make a payment on XX/XX/XXXX. The balances did not reflect this.
Consumer complaint received 2016-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IN)

COLLECTOR IS IN VIOLATION OF FCRA, FDCPA, TCPA LAWS FRONTIER COM IS IN VIOLATION OF F.A.C.T.A.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (HI)

Re : Case # XXXX Transfer of USDT ( Tether ) from XXXX XXXX to Gemini I have an account with XXXX XXXX where I had {$25000.00} worth of USDT ( Tether ) stored and noticed some unusual activity going on in the account. It looked like it was being monitored and test transactions were being run to withdraw crypto funds. This was taking place while I was on vacation in XXXX for several months. Communication was difficult due to time differences and security issues. 

I my haste and panic I immediately transferred the money out of the account without converting it to ether, which is the currency accepted by Gemini where I was transferring the crypto to. Instead of rejecting the transfer which is done by my other crypto wallet ( XXXX ) they posted it to the blockchain but denied me access to withdraw essentially keeping my account at {$0.00} rather than the {$25000.00} that was transferred to it. 

They asked for information regarding this transaction such as : the transaction hash the date and time of the transaction the amount etc I supplied them this information ( screen shots of the transaction info ) multiple times and they kept asking for the same info over and over. Never to acknowledge they received the info I communicated with them regarding this matter on : XX/XX/22 ( first contact day in XXXX which is a day ahead of the US ) XX/XX/22 ******Initial response back was inaccurate and DID NOT pertain to the same transaction, had to correct them several times. 
XX/XX/22 contacted XXXX XXXX Gemini on XXXX Forums XX/XX/22 XX/XX/22 XX/XX/22 contacted XXXX XXXX also on the XXXX forum XX/XX/22 XX/XX/22 More than a dozen times! 

The account was also hacked so an additional {$1000.00} of USDT was removed from my account. 

Total amount of loss : {$26000.00} I contacted a Law firm in the XXXX ( XXXX ) that specializes is this type of recovery and they said this was recoverable. 

I would like to have this crypto returned to me ASAP as this is my funds and not to be held onto by Gemini because they would like to keep it for themselves and have it locked up on their blockchain.
Consumer complaint received 2015-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HOVG, LLC (OK)

For the past week I have received calls from XXXX XXXX XXXX XXXX. Calls would come in everyother day with the exception of the past XXXX days. The past XXXX days have been everyday. Each time they called XXXX in a row. When I answered each time they hang up. Finally yesterday XXXX XXXX XXXX 2015, after getting hung up each time i answered, I called back to see who it was. The Company is called Bay Area Credit Services. The guy who answered wanted me to give him my social, I declined to shre that info with him and he declined to tell me the reason for their numerous calls to me. So i then told them to CEASE AND DECIST all calling to me. They promised to quit calling. This morning at XXXX, they did it again. So I called back and spoke with a " XXXX XXXX '' who advised me that his supervisors name was a " XXXX XXXX ''. He confirmed that yesterday I requested calls to stop, but then he began to argue with me as to what I meant. When I told him to Cease and Decist all calls, he said that it would only pertain to the XXXX phone number they reached me at. I am no Rocket Scientist but when someone says to Cease and Decist all calls to me, that should mean to quit calling me and communicate with me by other means such as by mail. I have yet to receive a letter of confirmation for a debt.
Consumer complaint received 2022-03-28
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (IA)

My identity has been stolen and my accounts continue to be frozen for no reason and XXXX stated that Wells Fargo is to blame. I have tried to mediate this situation several times, however Wells Fargo continues to make things harder for my life each and everyday.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

hello, I am XXXX XXXX, I open a citi gold checking accout XX/XX/XXXX with a promotion code. When I spend {$1000.00}, and XXXX consecutive bill pay, I can get XXXX XXXX miles. Before I open it, I contact the representative to make sure that the code will be effective to me, then I open it and I did all the requirements. but until now I did n't get XXXX XXXX miles. I contact the citi banker, they do n't admit that code effective to me. Please help me. thank you so much. My citi checking account number is XXXX rounting numeber is XXXX
Consumer complaint received 2020-03-20
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. (CA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 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 ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 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 ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 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 ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2021-11-25
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. (PA)

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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, inaccurate information about my inquiries is constantly reported on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-03-20
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 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 ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US  DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 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 ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 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 ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ballybunion Enterprises, Inc (MD)

Freedom XXXX is being sued for unlawful suits against several servicemembers, that is why they are going out of business for the harm they done. People are still trying to contact me regarding payment, I was involuntary discharged and I was told they would waive all debts. I guess not, I am being harrased every single day via email and phone.
Consumer complaint received 2023-03-15
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. (IL)

I requested a copy of my credit report and noticed an account that was opened in my name without authorization. I filed a dispute with the credit bureaus and received a verified as accurate response. I contacted the data furnisher and was told that the account is mine and will remain open. I have reason to believe that a proper investigation was not completed for several reasons. 

The date of last activity, date reported, date opened, and payment status is showing different information on my credit report. I have attached a copy showing the inconsistency and erroneous information. 

To add, this account has passed the statute of limitations in the state of Georgia as defined below : In Georgia, the statutes of limitation for a breach of contract claim are : Six years for a written contract ( O.C.G.A. 9-3-24 ). Four years for other express or implied contracts ( O.C.G.A. ) This fraudulent account was opened in XXXX  and has passed the statute of limitation. For all the reasons listed above, I would like this account removed from my credit reports and all files.

To conclude, all derogatory accounts are supposed to be removed from my credit report after seven years and that has passed as well. 

Data Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Consumer complaint received 2021-05-18
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)

There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX