davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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. (NJ)

This is not a duplicate complaint, please do not flag this as such. 

I am XXXX XXXX, and I alone, am submitting this complaint. 

I am not willing to be the middleman in this issue, as it is ultimately between you ( Bloomingdales ( BL ) ) as a Data Furnisher and the CRAs ( XXXX  - today ). 

The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. 

Please let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. 

This complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( Bloomingdales ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. 

The responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and XXXX XXXX. 
XXXX XXXX XXXX  XXXX & XXXX & XXXX & XXXX FICO Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX  as XXXX  FICO Ingredients, the source. FICO Scoring calculations, are not different for each CRA. 
Payment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. 

IT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. Bloomingdales is in acceptance of the demonstrative issues in this complaint, or any previous. 

I have attached a Document - with screen shots of the accounts and from XXXX. 

The DOFD/FACRA date, Pay History, Balance History ( or lack there of ), Available Credit ( on supposed Closed tradeline ), Debt To Credit Ration ( on a supposed Closed account - etc - are the complaints, and from a FDCPA - FCRA state with the Creditor/Data Furnisher and the the CRA 's. 


Please Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. 

The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. SDLC in theory verifies the true expected results Bloomingdales is saying is acceptable.
Consumer complaint received 2019-09-08
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. (AR)

My Equifax credit report is reflecting random fake payments ( mostly late ) on an account that was paid off and closed in XX/XX/XXXX. The lender, XXXX XXXX XXXX, suddenly started reporting payments again in XXXX and continue to do so. I have sent numerous challenges to the creditor, but they keep responding that the information reported is accurate. I have also initiated several disputes with Equifax, but they keep saying the dispute has been resolved. Yet, the inaccurate information remains on my credit report. Neither the creditor nor the credit bureau have taken this investigation seriously, and my credit score is being negatively impacted by the multiple recent delinquent payments that are being inaccurately reported. 

I am not sure how I am supposed to prove that I am NOT making payments to a creditor, but this information needs to be corrected. This has dragged on too long, and I dont even understand why a credit bureau would allow a creditor to randomly start reporting payments on an account that is reported as closed with a {$0.00} balance. The reporting even shows a status of Paid and Closed with a {$0.00} balance, and last activity in XX/XX/XXXX. So why are they reporting payments in XXXX and XXXX? These are completely made up payments, as I do not owe XXXX XXXX XXXX any money, nor have I made any payments to them since XXXX. Equifax is the only credit bureau showing these fake late payments on my report. The other bureaus are reflecting the account accurately.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX .Please remove delete all others they are not mine. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-08-17
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. (GA)

XXXX Equifax XXXX. XXXX XXXX XXXX. Box XXXX XXXX PA XXXX XXXX XXXX Is reporting false information on my Credit Report. I sent a letter of dispute on XX/XX/XXXX, in which I provided proof of my identity, an Affidavit and other documentation in support of my legal dispute. I followed up with further correspondence on XX/XX/XXXX, to ensure every possible document required was served! 

I sent the same information to all three of the credit bureaus on the same date yet only XXXX, has taken the immediate action necessary to remedy this wrong against my credit report! I submitted a request to XXXX online requesting my login details be reset, yet they failed to respond in the promised 24hrs. I called Equifax, and they asked me to identify myself by testing me with false information which I disputed and outdated information which should have been removed in XXXX. The first customer service representative correctly identified me, however, when I passed on to his colleague who asked the same questions concerning information which shouldn't be on my credit file she claimed to not be able to positively identify me. When I asked to speak with a supervisor I was placed on hold for an hour after which time I hung up! 

The continued reporting of false information on my credit report is adversely impacting my personal and professional finances. During this time of COVID-19 Pandemic, that is completely unacceptable.
Consumer complaint received 2020-08-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC (VA)

Westlake Financial reflects a charge off with a balance. I have completely paid the account off as of 2018. There was a repossession at one time during the course of the loan, however I did retrieve the car after paying all of the arrearage.
Consumer complaint received 2021-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NY)

Affirm is stating I the consumer owe an alleged debt which is false they are using obscene and profane language, which is a violation of 15 U.S.C. 1692d ( 2 ) and a host of others violations which I have stated to them via a cease and desist letter. They have been illegally contacting me and abusing FDCPA laws.
Consumer complaint received 2020-08-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (CA)

Completed a lease with Hyundai Motor Finance ( HMF ) on a XXXX XXXX XXXX. 
The vehicle was returned to the dealership on XX/XX/2020 - no damages were noted on the return of the vehicle. 
This vehicle was original to have been returned on XX/XX/2020, however, Hyundai refused to accept the return due to space constraints at their dealership lots. Due to repeated calling, the vehicle was finally accepted for return on XX/XX/2020. 

I am owed a {$1600.00} refund for my security deposit on the vehicle. I have spoken with HMF on several occasions, the agree this money is owed to me. I was told the refund would be issued within 3 weeks of the return of the vehicle. 
HMF has not issued by refund and will not give me any timeline. 
As of the writing of this letter, it has been 63 days since the return of my vehicle. 

Hyundai has breached its lease agreement with me on multiple points.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

My mother passed away on XX/XX/XXXX. I am a Co-Trustee and Personal Representative for her. In XXXX of XXXX, I commenced transferring her accounts having more than {$800000.00} in multiple accounts at Wells Fargo to the names of the beneficiaries. It took approximately eight ( 8 ) months to have the accounts transferred, during which time delays occurred due to non-responsiveness by the decedent 's financial advisor, documents not being sent, documents being sent to the wrong location and delay after delay. I filed a Complaint with Wells Fargo. I received a letter that the matter would be investigated. Within weeks, the accounts were established for the beneficiaries. Thus, it took approximately 8 months before new accounts were established for the beneficiaries. During that time, funds were not available for funeral expenses, insurance and real estate taxes on real property. 

On XX/XX/XXXX, shortly after the accounts were opened, Wells Fargo responded that the accounts were opened and the problem was resolved. No it has not since I can not gain access to 2 accounts. One of these accounts is an Inherited Roth IRA in my name. I want to remove the funds from Wells Fargo of approximately {$8100.00}. 

Using the Financial Advisor for another year is futile. I attempted to download the forms to withdraw from the Inherited Roth IRA,, but the proper forms were not available for download from the website. I located the forms elsewhere on Wells Fargo 's website, and mailed them 2 months ago to request a check from the Inherited Roth IRA to me. Nothing has happened. I sent the form again 2 weeks ago. Nothing has happened. Today, XX/XX/XXXX, I called Wells Fargo. I was told that only the Financial Advisor could liquidate the account. I explained the problems that the Financial Advisor does not help, he delays. The representative with a difficult accent to understand said the Financial Advisor ( selected by my mother, not me ) was the only person in Wells Fargo that could help. He disconnected the telephone call. So here I am, with Wells Fargo having taken the funds and depriving me access. 

Similarly, there is a savings account in my deceased mother 's name. I did not learn for approximately 1 year that the funds in a saving accounts are treated differently by Wells Fargo than the investments. Thus, the Financial Advisor will provide no assistance other than forwarding forms. We submitted the notarized forms to Wells Fargo to change the title to the account to the trustees 2 weeks ago. No response from Wells Fargo.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (OR)

Through my lender I was approved for a trial modification and completed it just prior to Covid-19 shutdown. I didn't sign the final modification paperwork because of knowing that due to the pandemic I wouldn't be able to make the payments. My mortgage holder assured me that I wouldn't be at risk of foreclosure due to the federal safeguards put in place for homeowners. I reached out and was approved for a program that would pay my past due and 6 months on future payments. That program reached out to my mortgage servicer but they said I needed to reapply for a new modification in order to have an amount given to bring current. It took over 8 months of back and forth of submitting paper and being told different items were needed to finally receive a new modification. The program had closed without any notification and when contacted they advised me that although I signed the loan documents ( forgivable ) they sent the funds back to the Treasury department. My new modification is requiring a {$20000.00} good faith payment which coincidentally is the amount that I was guaranteed by the program. I reached out to my lender/servicer and let them know that I no longer have that grant and asked if they could decrease the good faith payment and was told No. My lender has blocked any access to my being able to make any online payments. I requested a copy of my most recent statement of which it doesn't reflect any payments I made on the prior trial modification. I have since tried applying for a new program and am awaiting notification of acceptance. Below are the groups/companies/agencies I have worked with. 

Mortgage company-SN Servicing corporationXXXX XXXX XXXX XXXX, XXXX CA. 

OHSI-Oregon Homeownership Stabilization initiative ( was approved, signed promissory note, funds never distributed ) OHAF-Oregon Homeowner Assistance Fund-submitted application for help .
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I have a business account with Wells Fargo. I noticed a paypal debit to my account with the description " Business to Business ACH XXXX   Debit XXXX XXXX '' with the amount of XXXX against my account. That made me suspect because I do not have any XXXX associated with that bank account and did not authorize any charge. I did more research and found out there were repeating withdrawal by the same merchant weekly with the same amount back since XX/XX/2019 with total up to {$83000.00} I notified Wells Fargo but the bank said that their policy only give the client 24 hours to dispute the transaction and they can not reimburse the money. 

I notitied XXXX but they said they can not release any client information because of the confidental. 

I notified XXXX XXXX XXXX because the money has been depositing to one of their client account but they refuse to give out any information or offer any help. 

I just wanted to see where or who i can reach out to help to investigate and I can prosecute the theft but no one want to reach out to help.
Consumer complaint received 2018-11-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ND)

I have received e-mails from this company stating I have an outstanding debt with them and I checked my credit report and this company is not listed and also I don't recall ever taking a loan out with this company and also I have never heard of this company when I started receiving threating e-mails.
Consumer complaint received 2023-01-24
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 — Was not notified of investigation status or results
Company: Aargon Agency, Inc. (NV)

Account Date of service XX/XX/XXXX reflecting on XXXX consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to XXXX to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact XXXX to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from XXXX stating that there was no credit history report found and to provide further information to XXXX address that is not listed onu consumer report which is XXXX violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

Hello. I was paying 1st mortgage because Wells Fargo advised me to do so. But second mortgage I couldnt make. I was bated into believing all the letters they sent me. Pay firsts and house will be ok. But after 5 month. Wells Fargo sold my home that I have owned since XXXX to a private investor. I was forced to vacate my home. Wells Fargo lied to me. I have documents stating home will be ok. But obviously it was not. Thank u for ur time. Plz help.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

I opened a Chase Southwest account in XX/XX/2020. At the time, there was a XXXX mile bonus. We received that. Then, on XX/XX/XXXX, another incentive was released : Additional XXXX points if you spend {$5000.00} in first 6 months. 

I called and inquired about that ( the additional XXXX points ). It's on my file and a representative told me I must call back to redeem the points. 

We have met the spending threshold. I called back. 

For some reason, they are refusing to add the additional points.
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (MD)

Resubmit to CFPB XX/XX/2021 : FYI : have not heard back from CFPB -- - sent 4 attachments with documents spanning XX/XX/2021 to date to CFPB to settle issue with the involved companies. BBT continues to charge ongoing late fees and interest charges on my credit card since XX/XX/XXXX.

BBT/Truist Bank and impacts XXXX XXXX insurance as well -- - Communication to BBT CEO , Email, and multiple customer website communications to both organizations ; multiple discussions with Dispute Ctr BBT by phone and documents sent, also spoken with BBT Collections when they called me 2 weeks ago. The latter individual " XXXX '' ( they " do not give '' phone call confirmation numbers ) knew what needed to occur and should have occurred already, " a charge-back '' to BBT. Also informed her that the USA CFPB has a written online complaint from me about this impasse. 

No one resolves it. Every other credit card group contacts the merchant involved and will directly resolve the problem, not BBT.

BBT charged for the health insurance premium which had been paid for quite some time by me with them. For some reason, XXXX, the health insurance provider did not receive the summer payment although paid to BBT, and their letter indicated I would have my insurance cancelled if not paid promptly to them. I paid them at that point to avoid insurance contract cancellation. So, XXXX in the meantime was paid by both BBT and myself. 
Recently, I return-mailed to the BBT Dispute Center another synopsis of the above and all my health insurance identifying information for them to settle with XXXX. 

I have/have had for years a terrific FICO scores & now this.
Consumer complaint received 2023-01-24
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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