davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

There wasn't an exact fitting reason in the options, but here 's the details.

Commonwealth keeps resubmitting this XXXX debt, showing the same creditor & the same amount of {$860.00}, repeatedly as new. Every year for like the last 4 years they submit it then remove it, & add again a couple or few months later as new all over again. Before, about 2 years ago, XXXX  had it listed on the report that it's removal was set for removal in early XXXX. I changed my monitoring services early last year and lost access to all the previously pulled reports that showed how many times they've done this. I truly feel it's cruel of them to do this every year because with New accts hurting credit worse so this's hurt mine many times unfairly. Dropping my score between 70 & 100 points each time. I filed the info with  XXXX, even including the screenshots I DO still have showing it in XX/XX/XXXX and then removed last winter just to be filed again this XX/XX/XXXX as a newly opened account again. At least showing a little history of what this company has been doing. But XXXX completed the dispute by only fixing the date opened by one month. Not the 4+ years it's actually been.
Consumer complaint received 2020-10-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (MD)

Delete payments shown as Late immediately. I did not consent and its in violation of my rights. 

I have not supplied proof under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. 
Wells Fargo Home Mortgage WFHM At all credit agencies has been defaming my name and has ignored the all 21 disputes.

This account is in violation of all sections of 15 USC 1681 ( b ). The creditor seeks maximum compensation for all 21 violations as per 15USC 1681n. Remove all late that are in blatantly in error immediately.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX Mortgage Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line. 

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

Everyday other day I receive a called since XXXX XXXX from CONVERGENT OUTSOURCING this is a account that doesnt belong to me I provided them My police report advising that the account was opened and does not belong to me
Consumer complaint received 2019-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I graduated from XXXX XXXX University in XX/XX/XXXX. My loan servicing company cant give me any information on when they originally received my loan. I was steered in the direction of forbearance for all these years with years of incurred interest. My loan my was around 15,000, now is XXXX the majority of the total is interest. I will be begin to pay this loan in XX/XX/XXXX.  These loans were taken out in XX/XX/XXXX.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I was a victim of identity theft, I have been trying to clean up and keep an eye on my credit, I put alerts and freeze alerts on my credit. XXXX will not lock or freeze my credit unless I pay extra for monitoring. That concept should be illegal. Instead of teaching snd helping consumers, they are adding to scams and identity theft. There is a lot on my reports I have nothing to do with, and the inquiries are out of control and none of them did I authorize. The other 2 agencies are the same they are allowing all kinds of information to access and put items on my reports that don't belong. But none of them will do an actual fact check. And why do they keep unlocking my report? Only I should be able to do that. Why are they given such a powerful business that is so important to people 's lives? The credit agencies are destroying lives and they don't care how wrong the data is. Or that I was identity theft because of their data breaches, and allowing everyone into my credit. This is far to serious of my lively hood to allow the credit agencies to continue this horrible not caring attitudes. Yet the privacy and livelihood of every human is in their hands. I should not have to pay money to lock my credit, especially after identity theft.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (NY)

Selene Mortgage is currently holding my mortgage. Loan # XXXX. I just discovered, I have been paying for XXXX homeowners Insurance and I asked them why, they could not verify the answer. 

At the time of closing, I have purchased the XXXX, which was XXXX XXXX XXXX XXXX, but after 8 months of paying the mortgage I discovered, I have been paying for XXXX HOI, when the lender took an expensive one of their own, which is now costing me {$6000.00}. My own premium is half of the cost which I paid in full for {$3000.00}. I have asked the lender to cancel their {$6000.00} XXXX & keep my purchased insurance. I have made XXXX calls in the last XXXX weeks and as of today, I have not heard from them.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (CA)

Around XX/XX/XXXX and XXXX XXXX my credit cards were compromised. I had 4 of my credit cards stolen. One inparticular was Synchrony Bank tjmax card. I put in several disputes with a total XXXX stating that I didn't authorize the charges and that I live alone. I contested these charges with the fraud department and each time the reason came back differently. I have proof of my being in the state of California in which I live and the charges range through various states. This has affected my credit and I need it resolved. I'm prepared for arbitration or small claims.
Consumer complaint received 2020-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

It appears that PayPal has taken personal comments that were made during a message chat with a customer service agent. For the second time in a month PayPal limited access to my account by placing a hold on all outgoing transactions. After providing all requested information to PayPal the first time they removed the hold and allowed normal transactions to continue. Then starting on XX/XX/XXXX PayPal once again placed a hold on the account. This time requesting information from sales transactions. When contacting PayPal by message on their app PayPal advised to just give as detailed information as possible and made the comment PayPal is not for everyone. I found this quite shocking considering Ive sent hundreds of thousands of dollars using PayPal and how they just seemed to disregard me as a customer. I made the comment wow, I wonder how stock holders of PayPal would feel if they knew how their customers were being treated. That was the last communication before receiving an email stating my PayPal account has been closed and the funds in my account would be held for 180 days. They blocked me from being able to use chat messages as well so the quotes and information provided above is from memory as I do not have access. No reason was given as why it was terminated. Clearly it seems to be that someone was offended by the way I judged the customer service being provided by PayPal.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Placed order online for an swimming pool liner in the amount of {$98.00}. Two days later I received an email stating that item was delivered. Reached out to the merchant through email @ XXXX. I sent 3 different messages on 2 different days and still no reply back. I then called USPS and gave them the Tracking number XXXX. The agent then asked me for my shipping address. She stated that the address on the tracking is not mine and that she would open an case for the item. Service request case # XXXX for USPS>>> After contacting USPS I then call my bank which is Bank of America ( claim # XXXX ) which then credited my account temporarily. After 90 days of BOA doing there investigation they then stated that they would not pay the claim. I have reached out to the claims department multiple times regarding this issue and I was told to contactXX/XX/XXXXwho then stated for me to contact my banking institution. I have missed hours from my job trying to deal with this matter and I thought that your bank has your back.
Consumer complaint received 2020-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

The company is trying to make me pay {$220.00} for something i have and/or had no knowledge of. I have never done business or applied for anything related to this company. I have contacted them and the parent company and they told me an application was put on online under my name and they don't seem to care. 

The company is XXXX XXXX overlook. Some low end apartment complex in the XXXX, GA area.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MS)

J.P. Morgan Chase has a bank account for a scamming lease-to-own company called XXXX XXXX XXXX ( XXXX XXXX XXXX The owner of XXXX is XXXX XXXX. XXXX XXXX pressed my husband and I for {$5000.00} to complete our lease-purchase on a home. We sent the funds to XXXX via his XXXX Chase business bank account on XXXX XXXX. XXXX never sent the funds to the homeowner. We were completely unaware of this until XX/XX/2023. Upon further research, XXXX completely deleted the business webpage ( XXXX  ) and renamed his business XXXX XXXX XXXX. We reached out to Chases owner regarding the ongoing fraudulent activity, but did not get any response. Upon further review, XXXX XXXX has been sued and arrested for scamming several tens of thousands of dollars from individuals looking to purchase a home, that would not normally qualify a home loan. XXXX had the home listing on major home buying sites and a legitimate webpage. Chase has made not attempt to rectify this situation or retrieve the funds that were scammed out of us. This has been an ongoing issue that XXXX has presented to many people and has used Chase Bank to retrieve the funds.
Consumer complaint received 2021-12-23
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: Experian Information Solutions Inc. (CA)

Experian and XXXX XXXX are fraudulently reporting my XXXX account with a balance and incorrect information. This account was settled in full based upon a written settlement agreement made between XXXX and their representative and myself. Disputes have since been filed multiple times with the credit bureaus and XXXX fraudulently reports the data to the credit bureaus as correct when it is not. XXXX and their collections group, XXXX also violated the Rosenthal act 5 times by contacting me between XXXX, despite being reminded they were violating federal laws.
Consumer complaint received 2019-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MN)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (TX)

I am not able to activate my reliacard because the records at usbank have the wrong date of birth. Texas Work force commission had the wrong DOB because the person taking the information from me typed the wrong date. When I was finally able to talk with a real person they said I need to confirm my DOB by submitting a copy of my drivers license. I was told I could submit it at verify.usbank.com/id I found no such location on the internet. USBank is not set up to deal with problems. I have tried calling back and the computer system either does not accept my response ( entering a number ) or goes to the next step too quickly. I was able to correct my DOB with Texas Work Force but it is proving to be an impossible task to do with usbank because you only get to talk with a computer. Why can't people talk to people anymore? How do I get to talk to a person with usbank again and how do I get their records to have my correct DOB?
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX
Consumer complaint received 2022-07-18
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXPlease remove these FRAUDULENT inquiries.
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Collections, LLC (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. CAP COLLECT account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CAP COLLECT but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAP COLLECT XXXX )
Consumer complaint received 2020-10-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MI)

Amerihome Mortgage, XXXX. XXXX XXXX, XXXX, NJ, XXXX. We paid our mortgage off as of XX/XX/2020. We have an overage of {$1400.00} due to us in our Escrow. We have tried multiple times to get our refund. They sent the initial refund to the original property address ( home we had sold ) and we waited three weeks for it to be rerouted to our new address, of which we registered with USPS. When it did not arrive we called and asked for a new one to be issued and mailed out. They claim they did that, when I checked online to verify, there is no activity past the initial refund check in XXXX. I saw they entered our address as " XXXX XXXX '' instead of " XXXX XXXX '' so I updated it again and hoped the check would somehow make it even with the wrong street name. It never came. This was mid XXXX. We called again in XXXX, multiple times, requested yet another check and was told they would overnight this one. We thought, great, thank you. Well it never came. Called again the next week and are now being told they would not overnight anything like that. The Customer Service Reps are limited in what information they can see and refuse to allow us to talk to a manger or the accounting department to try and finally get this resolved. We are beyond frustrated. We are already two mortgage payments into our new home and still waiting on our refund from this company.