davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. I NEVER HAD A ACCOUNT OR BUSINESS CONTRACT WITH XXXX XXXX XXXX AND I BELIEVE THESE ARE ILLEGAL RE-AGED ACCOUNTS FROM ANOTHER 3RD PARTY COLLECTION AGENCY.
Consumer complaint received 2020-01-23
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. (AZ)

The purpose of this complaint is to let whoever is concerned know that I am a victim of identity theft. I have been disputing the account listed on this report for a couple of months now. The first time I sent in paperwork was around XX/XX/2019, and all the accounts that resulted from my identity being compromised were removed. However, as of recently, the JPMCB-Card and XXXX XXXX XXXX mortgage listed in my doucuments have began to report on my XXXX and XXXXXXXX  report once again. I noticed this in XXXX and once again I sent in documents to prove that the account does not relate to any transactions I have made. I had no gain of goods or services from these accounts. Yet, they continue to report on my XXXXn and XXXX report.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

Ameris Bank states they have paid my property taxes that were due in XX/XX/2020. They have not. The county taxing authority has confirmed this to be the case. I made this information available to Ameris Bank. Ameris Bank has provided no proof that they have paid the property taxes. I have since paid off my mortgage and they are holding {$4000.00} that needs to be refunded to me. I have written multiple requests and made multiple telephone calls to request they resolve this. They have multiple times written me letters stating my requests have been resolved. They have not once addressed my concern regarding the payment of property taxes or provided me with any proof that they have paid this. 
This issue started XX/XX/2020. I paid off this mortgage on XX/XX/2020. I have made multiple complaints in writing and verbally. None of these complaints has been appropriately answered despite the fact that I have asked them to provide written documentation relied upon for them to reach the conclusions that the issues I raised are resolved. I have spoken with several customer service representatives and multiple supervisors who tell me they will have to research the concern each time and then mail me a generic letter stating it is resolved without even addressing the concern.
Consumer complaint received 2021-02-28
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. (GA)

I have contacted this company on several occasions to have these items from from my credit report as the accounts was part of a litigation. The credit bureau have not investigated the account and sent letters within days saying that all the information was accurate. The account are from The general insurance, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Alabama XXXX all on my Equifax report. XXXX credit on XXXX. XXXX XXXX  of XXXX
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (CA)

I have tried 2x to transfer money from my XXXX  XXXX to my Credit Card. Each time I have to pay interest and fees. The 1st time they said it went towards interest and fees even though on the portal it had the dollars in savings needed to transfer. So I did a second payment to put me over that threshold so I can transfer to my credit card and verified with supervisors and reps I was told it takes 5 business days. Now it's been two weeks. The company does not tell the interest fees etc up front when we make a paymenynsonwe are paying blindly and we are never shown what these " fees and interest fees '' are. I requested via email that they fix this so consumers know what they are paying up front and assure their payment is enough to transfer fees to their credit card. In the emails I attached the supervisorsl initially said I had. enough I'm my account then sent another email contradicting that saying it wasn't, even thought every rep and supervisor said it was.He said he added XXXX to my credit card for inconvenience to Increase my credit limit, that didn't happen instead it says negative XXXX and the same credit limit that needs to be fixed. this company needs to stop charging expedited fees because the process is far from expedited
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (KY)

Hello, i have an account with venmo and on XX/XX/XXXX they froze my account which is the ONLY money i have access too, i have a sick daughter with no health insurance and i am currently homeless and not working they froze my account due to an unpaid debt that was from ANOTHER venmo account i previously had that was supposed to have been closed OVER 2 years ago, because of someone stealing all of my card and account information when i had lost my items! Not only was the account not closed i still am being held responsible i just took that and told them the only way i was going to be able to pay that even though its not my responsibility but they would have to just take it from my current account, i didnt get a response in the beginning then when i did i was GUARANTEED that the freeze would be lifted the very next day! And here i am still with no money or anything! Please please help me i cant get my childs pampers her milk i am a single mother please
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (HI)

This refers to Case Number : XXXX with Equifax. I STILL CAN NOT ACCESS MY EQUIFAX ACCOUNT ONLINE OR TO GET MY CREDIT REPORT AND XXXX SCORE. I received a closed notice on this dispute but it STILL HAS NOT BEEN FIXED. On XX/XX/2022, I received an email from Equifax ( Dispute Confirmation Number : XXXX ) that the dispute was resolved. I then went online and it still is not resolved. I get this message : Please give us a call and give this code to the Agent : XXXX -- Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX  to XXXX XXXX  ( ET ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. We are temporarily unable to provide your credit score. Please try again later. 

So, I call the number and a new case is opened because no one knows why I am not getting my report or score. They said they will escalate this but they never do. This happened the last time with NO RESOLUTION. The new dispute confirmation number is XXXX. 

Please, CFPB, you dropped the ball on this one and nothing has been done. I thought your function was to protect us ( the consumer ) against this type of illegal activity by Equifax. I want this resolved.
Consumer complaint received 2022-04-10
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. (VA)

In accordance with the fair credit reporting act convergent account numbers XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Capital XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Section 2 : I have the right to privacy. 

15 U.S.C 1681 section 602 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

Purchase a product online and made the payment via XXXX -- - {$260.00} -- -never received tracking information nor the product was ever shipped -- -tried contacting the business via their website, email and phone and never received any response -- -posted complaint with my bank, Wells Fargo ref . no. XXXX, the FTC reference no. XXXX and FBI XXXX. 
It appears that my bank is not doing much to credit my funds that were spent, yet they promote XXXX!! If I had used XXXX, they would have just garnished the seller 's account funds and got my money back to me!!!
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have been in my home for over 15 years and I want to keep my property. 
There has been a lot of confusion and miscommunication that have left me now in the edge of loosing my home. The mortgage company has made modification on my property and I have been making payments but there was a balance due that has been carry thru the years. This amount was accumulated when I lost my job and I have tried to pay it off thru payments plan but the mortgage drop me from the payment plan because I file XXXX XXXX for my Home owners association. I just need help to keep my home. I have a full time job and my mother and son also contribute towards my overall payment. I can afford to pay and I am willing to pay it just that the lender tells me we drop you we are not going to take your payment then when I stop paying they call me and say, you are behind and need to pay. I has been very confusing dealing with this Lender. Now they don't want to work with me they want me to short sell or give up my property, but I have been here for over 15 years and have been making payment. My payment history shows I have been making payments until they, the lender told me that I was no longer in the payment plan and told me to go to their website to request a new refinance and that what has made this worse now. I just want to continue paying to keep my HOME.
Consumer complaint received 2021-06-24
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)

I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  Original creditor : XXXX XXXX 3. XXXX XXXX XXXX Original creditor : XXXX XXXX These accounts are individual actions, they must be delete immediately.
Consumer complaint received 2018-11-23
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. (FL)

I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX. I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I opened an account with BBVA as I was contacted by XXXX to reconsider BBVA as my banking institution. Well, I opened my account and a week later I went to withdraw funds from my account and was told my account had a hold on it and that funds wouldn't be made available as they were held due to a previous charge off. Well, I asked why would you request I open an account if I had a charge off and at which point the branch manager had nothing to say other than she would try to get the funds released and have the issue addressed. Well, I told the branch manager that the charge off would have been addressed in the bankruptcy filing from 2014 at which point she said to let her look into as she is very good at getting holds removed. Well, she calls me a few days later and states she can't get the money back to me and that I could talk to someone in her back office as to why. I know this is a deceptive practice as I didn't contact BBVA to reopen an account they contacted me and if I was forbidden to have an account with BBVA that is something they should have addressed and ensured I would not be contacted. The other issue I have is that this should have been addressed via bankruptcy and the charge off spoken of removed as BBVA was included in my bankruptcy.
Consumer complaint received 2018-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (WV)

I have sent them certified mail to cease & desist calling my cell phone any longer. I ask them to demonstrate the entire chain of title of the said stated acct. with Synchrony Bank aka Care credit. I ask them to provide & produce all account statements that prove the acct balance in question to be correct or provide the actual amount they paid for the Care Credit acct. from Synchrony Bank. I was not notify by XXXX XXXX XXXX that they bought this account. Instead Synchrony Bank notify me by a letter sent snail mail dated as of XX/XX/XXXX. I now dispute the debt & sell. I could have used a debt management company to resolve the matter with Synchrony Bank. They used under handed means to get me to default on the account in the first place by lowering my Care Credit line of Credit from {$2000.00} to {$1400.00} without any written notice. I got the necessary documents to prove it. I'm under some economic hardship due to a part time job and a divorce earlier in the year.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Collection amount is in the amount of XXXX. From credit collection service. According to the FCRA Section 605B. It is illegal to report information on my credit without my permission. I have no recollection of this account. This account need to be removed IMMEDIATELY!
Consumer complaint received 2020-01-23
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: JPMORGAN CHASE & CO. (MI)

My friend was authorizing me to speak on their behalf to one of their creditors. During the authorization process we specifically asked and verified that this authorization would only allow me to speak on behalf of the user, and not actually attach me to the account from a liability standpoint. The creditor confirmed that it was only to authorize me as a " non-user '', and that the account would not be reported or show on my credit report. As of today, I noticed that this account is in fact showing on my credit report, and negatively impacting my standing. As a result, I am not able to move forward with some financial plans I had, until it is corrected and removed from my reports. My information was used without my consent and I was fraudulently added to an account by this creditor.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I received a letter from Credit Collection Services dated XX/XX/year>, stating I owed a debt to XXXX XXXX for {$300.00} and that I had until XX/XX/year>, to respond to the letter. I sent a response on XX/XX/year>, that disputed the debt based on my bank statements and asked for their records in order to see how the debt was derived. I received no further information from the company to show that I owed the debt, but I received another letter saying the debt was being sent to collections on XX/XX/year>. I have since filed a complaint with the XXXX against Credit Collection Services and received no response from that. 

I also filed a complaint against XXXX XXXX with the XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX for not applying my payment in a timely or accurate manner, canceling my policy, using payments intended for XXXX insurance policy to pay for another, and then sending a payment I already made to collections.
Consumer complaint received 2022-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NJ)

I am a co-signer on a few student loans with my son as the primary borrower. The lender is XXXX XXXX and the loan servicer is Navient. 

The loans have been in deferment/forbearance since his graduation in XXXX. Interest only payments have been made when required. 

I received a few calls from Navient in late XX/XX/XXXX advising me that the loan payments were delinquent. The representative asked if I could pay the approximate {$1000.00} outstanding balance, a partial payment ( 1 month ) or even {$50.00} to prevent the account going into collections and affecting my credit score. Since this was the first communication regarding an arrearage, I wanted to verify this was in fact Navient and be provided a statement from them detailing the account status. 

Although the rep confirmed my email & physical address for identification purposes, she stated that they could not send a statement to a personal email address. I asked for a paper statement to be mailed to me instead. She then indicated that it would take 5-7 business days to receive and the account would be referred to collections by then. I have still not received any confirmation statement from them. Their website ( through XXXX XXXX ) is not very user friendly and is difficult to access. 

I spoke to my son shortly after that call in XXXX and he said he had not received any calls/messages from Navient over the prior 2 months as the rep had indicated. He said that he reached out to them for alternative payment options and that the account is now up to date. 

Despite this history, I continually receive calls from who I believe is Navient. Without recognition of the source, no messages have been left stating the identity of the caller and/or the purpose of the calls. Ive been receiving 2-3 calls a week and at inconvenient timesaround or after dinner, weekends and XXXX XXXX XXXX  XXXX. The latest were yesterday ( XX/XX/XXXX ) at XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) around XXXX AM, XXXX  ( XX/XX/XXXX ) around XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) at around XXXX PM. 

I feel these practices are harassing. If they want/need to speak with me, leave a message with the pertinent information, text/email and/or mail a paper statement to me ( theyve already confirmed having that information ). 

My concern is that they are documenting these calls as contacts and non-responses from the borrower. If so, will they classify the account as delinquent and send to collections? This would unnecessarily affect my outstanding credit rating negatively. 

Thank you for your time and assistance with this situation.
Consumer complaint received 2018-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (NY)

As to date the company has not corrected the insult to my credit report although they wrote and mentioned that would rectify this ASAP. The old complaint number is XXXX Lending Club XX/XX/2018 still reads 30 days delinquent. 
I was just denied a loan based upon this finding. 

The error was on the Lenders part due to false information from customer service
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2018-11-17
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. (FL)

I have contacted Equifax on many occasions via certified mail which tracking shows they received my notices on XX/XX/18, XX/XX/18, and XX/XX/18 and via phone having spoken to the Fraud department & a few supervisors such as XXXX rep ID XXXX regarding information listed on my credit report. I have asked for validation of accounts such as XXXX XXXX & XXXX and have yet to received any physical proof since i have brought this issue to them. I am not quite sure why it has taken months for them to provide me with documents that per law should already be in their possession as they are reporting information on me that they themselves have no physical proof belongs to me. I have also received notice from Equifax to contact original creditors to further investigate when per law it is not my burden to do the investigation for the credit bureaus. I have although contacted said creditors and either have received no response, incorrect account information ( i.e. someone else account information ) or a notice asking I give a company that to my knowledge i have no dealings with all my personal information in order for them to validate a debt. All of this which has been provided to Equifax and yet still to this day I have not received any physical proof of validity from the original creditors or Equifax. I also sent notice of failure to validate to XXXX and XXXX XXXX as they have not provided physical proof to me so what have they provided to Equifax that could not be given to me is what I dont understand. This has been on going for months which if they are obligated by law to have this documentation in hand as they keep saying the information has been verified as accurate why have I yet to receive any physical proof from either Equifax on the creditors.