davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Step 1 : What is this complaint about? 
I knew I was getting a new roof replacing the old one and being a realtor, I knew that the market value would increase to over 20 % equity to get rid of PMI. 

Step 2 : What type of problem are you having? 
Before the roof was replaced, I called my mortgage carrier, Loancare and asked " What do I do when I get the roof replaced, just send you a copy of the new appraisal? '' They said yes. So when I got the roof replaced, I contacted Loancare, they said that it had to be a Loancare appraisal. I told them that NO ONE ever told me that. So then they directed me to their site to submit the appraisal to have it accepted. No one ever contacted me Step 3 : What happened? 
I then called Loancare again and asked why the PMI wasn't removed. They told me I was late on a payment. I NEVER was. In fact, I am AHEAD of payments. I explained that when I closed on my house XX/XX/XXXX, I made a payment in XXXX of XXXX even though the 1st payment wasn't due until XXXX because I wanted to be ahead of the game. In fact, I consistently pay about 2 weeks in advance. For example, mid XXXX, I pay for XXXX. I also submitted a zip drive that shows every single payment ever made with dates AND because they offered my forbearance, I took it. I used it in the spring of XXXX. Last week, I just paid the balance due from forbearance which was about {$1200.00} because I was paying {$800.00} for 3 months vs {$1200.00} for 3 months just to bring my account up to date. Then I paid XX/XX/XXXX in XX/XX/XXXX just to make them happy. In mid XX/XX/XXXX, I had already paid XX/XX/XXXX XXXX attached a zip file of all of my payments since closing on XX/XX/XXXX, a current mortgage statement that does NOT show recent payments of forbearance payoff and XXXX payment, the appraisal and a copy of a letter I emailed Loancare Step 4 : What company is this complaint about? 
They will not drop PMI and say I was late on payments. I never was, I was ahead Step 5 : Who are the people involved? 
Over 6 supervisors who conveniently dropped my call EVERY SINGLE TIME I CALLED THEM while they put me on hold to research this complaint. They NEVER called me back even when they verified my phone number in the beginning of each call.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AES/PHEAA (CA)

The first letter that I am uploading explains I am attending XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I graduated XXXX XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX. I worked at the campus departments : XXXX XXXX - XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I received job postings per hiring employers and refferr students to those potential hiring employers. The department will receive feedback with the status of the relationship. 
I did not once receive a complaint from the studemt- employee or employer. 
I returned and enrolled into HDTP. I passed three interviews, and one interviewer offered me a job to practice the yard truck from XX/XX/XXXX to XX/XX/XXXX, drug and alcohol testing or DOT regulations to receive a Commercial Driver License. 
In XX/XX/XXXX, one employer form the college attends the so called Recruitment Day. The employer says, " I will help you get your truck. '' XXXX XXXX - President of XXXX XXXX XXXX, XXXX ( XXXX ). 
I select this employer and he deducts money from my paycheck for a XXXX XXXX semitruck. He then inform me he has sold everything to XXXX XXXX located in Nevada and the instructions are to pay XXXX with XXXX XXXX on the check, money order. The XXXX XXXX, he sells without my consent. 
XXXX then informs me to select another semitruck, XXXX XXXX. XXXX XXXX full throttle and work endless hours to make {$1000.00} per week payments. 
After making payments of 60 weeks, I informed the employer of the right shoulder injury and only can make {$500.00} payment. XXXX   accepted the payment and the following day XXXX XXXX and XXXX XXXX repossess my XXXX and I have a video where XXXX XXXX says, " I am {$200.00} short and one week late. 

I inform XXXX of the swindle, fraud, scam and in return, I received a letter informing of the contents in the letter. 
I attended XXXX for many years and not once did I commit any crimes or the police on me. 
i don't wish these life events upon anybody because my intentions was to become a better person and be responsible. My unalienable rights are violated - life, liberty, and the pursuit of happiness. 
I contacted Law Library of Congress with XXXX XXXX and receive an archive. Assessing the Implementation of the Clean Truck Programs of the Port Of XXXX  and Port of XXXX. Then find the truth about the msclassificetion of XXXX XXXX Drivers. XXXX are not Independent Contractors. We are disguised employees as independent contractors to swindle the hard workers for their money and earned property. 
I made XXXX XXXX XXXX XXXX to hire employees and not swindle, defraud or scam any person who wants to have a better life. 

Several business have violated my consumer rights. I beleive Consumer Federal Protection Bureau will take action and assist me with anything the bureau can assist me with. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2020-05-24
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. (NJ)

I submitted a dispute to Equifax regarding a Public Record ( Bankruptcy ) on my credit report via certified mail on XX/XX/XXXX. The dispute is in reference to the following item : I am disputing the following item on my credit report. Specifically I asked Equifax to verify this information and show me how they had verified this information. 

Bankruptcy Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Liabilities : Individual/Joint : Individual Individual/Business : Individual Bankruptcy Disposition : K-DISMSD/CLSD CHXXXX Current Disposition Date : XX/XX/XXXX XXXX Amount : Equifax responded on XX/XX/XXXX claiming that they verified this item based on information from a 3rd party, XXXX. 

I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus or 3rd parties such as XXXX XXXX. Furthermore XXXX replied to be via mail on XX/XX/XXXX that they do not have any information related to me.
Consumer complaint received 2019-02-19
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: CORELOGIC INC (FL)

I have sent letters to all the companies to remove hard inquiries. The refused to remove them. I have also sent in an investigation application to the credit bureaus and have no word about it. Their has been identy theft with my email address
Consumer complaint received 2022-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I have an open complaint XXXX. I read the companies feedback and I want to attach the actual loan amounts and dates from Navient that is located on my Federal Student Aid account. This is proof that I did deal with them and I received and made payments on those loans through Navient. I am attaching screen shots of my Federal Student Aid Page.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (NV)

Filled bankruptcy last year. Credit card should not show that it is a charge off or late payment status anymore on my credit report. It was removed off all other credit reports except for XXXX. Please update payment status or remove off credit report
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

My complaint is related to a COVID-19 small business grant awarded to my business. XX/XX/2020 I received a grant from the XXXX County small business association. The money was for payroll and other  business needs. While in the process of closing my account I didn't realize and forgot to update my info with the business association. The grant was deposited a few days after closing of my account so I contacted the bank and explained the issue, I was asked to provide proof of business. I have provided proof they asked for but they have yet to return my money. I have been hung up on and recently been told I wasn't any where in there system as a client. I get transferred from person to person and treated very poor by citibank staff.
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NJ)

I refinanced my primary residence with Guaranteed Rate and closed on the property on XX/XX/XXXX. An escrow account was set up to be used to pay homeowners insurance, flood insurance and property taxes. 

I received the final property tax bill from my town for Q3 and Q4 XXXX and Q1 and Q2 XXXX. I called Guaranteed Rate and was instructed to send that information to their custserv email, which I did the same day, requesting that my Q3 property taxes due be paid when they were due on XX/XX/XXXX. I received a computer-generated reply that the request was received and would be addressed. 

I found out via the town that my taxes were never paid. I paid them out of my own funds on XX/XX/XXXX when I realized this. I again contacted Guaranteed Rate by both phone and email on that day. Again, I received the automated response but nothing further via email. The person I spoke with saw that a ticket was set up on XX/XX/XXXX but was not completed " due to COVID delays ''. 

Since then I have contacted Guaranteed Rate on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX to no avail. The property tax information that they have in my escrow account is still incorrect, and I have not received a refund for the property tax payment I made ( {$3300.00} ) over 3 weeks ago. I was told today that they would push through an escrow analysis ( which is the same thing I was told last week ) and that I would receive a summary in writing in 5 business days. 

My next property tax payment is due XX/XX/XXXX and Guaranteed Rate 's records show that the next payment isn't until XXXX so I have no assurance that I won't also need to pay that directly out of pocket. In the meantime, I have over {$8200.00} in my escrow account, which will increase to over {$10000.00} when I make my payment before the end of this month. 

I should also note that the annual homeowners and flood insurance isn't due until XXXX and XXXX next year, XXXX. So accordingly, they have overcollected and not dispursed any funds.
Consumer complaint received 2021-04-27
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. (TX)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MA)

Indiscriminate Closure of Wellsfargo Accounts I will like to bring the Bureau attention to the unfair practice of wellsfargo Bank closing my accounts on the presumption that I was a victim of fraud. I am a recent XXXX still searching for a reasonable job. 
The incident happened on XX/XX/XXXX When I was expecting some funds to cover for living expenses from a friend while in a transition period of switching jobs, she was supposed to call me before the making the deposit but Unfortunately I was in an Interview when she went to the bank The expected amount was {$1200.00} but she raised a cashier check of {$3500.00}. The difference in the anticipated and the actual amount made the bank to reject then deposit and proceed with a harsh decision to restrict my deposit accounts ( saving and checking ) from any further deposit and be scheduled for closure on XX/XX/2018. The reason was disguised as a business decision. 
Moreover, Wellsfargo decided to take their decision a step further to schedule the closure of my credit card account which had nothing to do with the deposit accounts. I have been a customer for almost eight years and never had I for once had a late payment or any other penalties on the credit card account. It is pretty disheartening that bank like wellsfargo will still repeat a decision for which a former employee exposed the bank to the media for unfair practices in XX/XX/2018 ( https : XXXX ) Lastly, Looking back at the incessant amount of scandals that wellsfargo bank has been involved over the past 18-24 Months. I have come to a conclusion that it is wiser not have any deposit account with ( Checking and Savings Account ) with the bank but I will like to request for the CFPBs benevolent despotism to intervene and prevent the indiscriminate closure of my credit card account from a scandalous bank with hidden aim of leaving behind a terrible mark on my credit history I have included all letters from the Bank for a quick and candid assessment Regards, XXXX XXXX
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UHG, LLC (WI)

I received multiple phone calls from someone saying I will be at your door if you do not answer the phone in XXXX. 

After researching UHG I LLC, I found that a company named XXXX XXXX XXXX share the same mailing address. 

I discovered XXXX XXXX XXXX has numerous XXXX   complaints against alleging similar, if not the same exact tactics that were used toward me. 

I am under the impression that UHG I LLC ( United Holding Group ) contacted me in XXXX and violated the Fair Debt Collection Practices Act in the same manner. 

I have never done business with either of these companies and I have no debt with them. I believe the public should be made aware of their illegal communication tactics either past or present which is why I am filing this complaint.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2022, I had a wire in the amount of {$86000.00} sent from my local Chase branch to a XXXX XXXX in XXXX. The wire never got there. The money had to go through XXXX XXXX in XXXX XXXX and the XXXX XXXX in the XXXX. Through tracking I found that XXXX XXXX never received the " Cover Funds '' but had received the instructions. The funds were finally byreturned to my account on XX/XX/2022. More than a month after they were sent. I have been asking for details about where my money was and only get the response that the money has been returned to my account. I want to know who had it for over a month. If Chase sent it to XXXX and XXXX never received it, it seems that XXXX had my money for a month and I want to know why.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/31 I went to XXXX to book a flight. Upon checkout, an offer for a XXXX visa rewards card was presented, offering a {$100.00} rebate if X amount was spent in X amount of days. After applying XXXX hard credit inquiry XXXX, I was not provided any information about my account. I didn't receive a confirmation email until nearly 8 hours later. At this point I didn't book my flight because I didn't have the travel reward card info. So the next day I called Barclay Bank and asked if they could give me my info so I could purchase my flight, and i was told they didn't have access to my account number and I needed to wait until I got the card in the mail ( 5-7 business days ). I was told that if I paid with a credit card, then the transaction could be moved from my current card to the XXXX reward card WITH NO BALANCE TRANSFER FEE. So I book the flight on my personal card. Fast forward to me getting my physical card, I call Barclay 's and ask for the transfer. The lady then tells me that there wouldn't be a transfer fee .... UNTIL XXXX XXXX this is a disgusting bait and switch tactic that put a hard inquiry on my credit report. I was transferred to customer service of both Barclay 's and XXXX, and each told me the other could do the transfer. As far as I know, there is no possible way for someone to apply for the rewards card at checkout AND USE IT THE SAME DAY to get the rewards. I want thia account closed but I do not want all the negative effects on my credit report. Absolutely asinine.
Consumer complaint received 2020-09-09
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. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-26
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

XX/XX/202XXXX XXXX XXXX XXXX- {$470.00} n 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I am a permanently XXXX veteran who applied for a XX/XX/XXXX XXXX and was approved. My Navient accounts at that time were sold to another lender. Those lenders discharged those loans however Navient refuses to remove those loans from the credit report and its labeled as negative. 

I have disputed and contacted Navient and provided the documentation regarding my discharge with no assistance and no documentation as to why they can not reflect the discharge. 

NAVIENT # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Date Updated : XX/XX/XXXX Date Closed : XX/XX/XXXX NAVIENT # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Date Updated : XX/XX/XXXX Date Closed : XX/XX/XXXX
Consumer complaint received 2018-09-25
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2018 XXXX debit my saving account {$99.00} they than debit my account again {$25.00} dollars on XX/XX/2018. I called them to let them know that they debit my account and they advise that they dont show my saving account only my checking account. I called them 5 times on 5 different days and they told me to dispute the charges because they didnt see the charges on my account. I called Citi bank and file a dispute. 4 days later I called because they still havent credit me the funds they told me I had to wait until XX/XX/XXXX to get my funds back. I spoke with XXXX employee number XXXX and she was the worse customer service associate Ive ever spoken with, she pretty much told me that they dont care how bad i need my money i have to wait 2 weeks to get my money back, she told me to call the merchant back again. I am so frustrated with Citi bank why does it have to take so long for you to give me my money, I work hard to earn. Ive never been treated as bad as today. I really do hope I get a survey on XXXX employee number XXXX. I want my money back!!!