davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
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: SYNCHRONY FINANCIAL (MS)

Syncb National Credit Cards/Airlines has made 2 hard inquiries on my credit. 
1 is from XXXX XXXX the other XXXX XXXX. I have not applied for credit anywhere on these dates. I need these removed from my inquiries. I already have credit cards & I do not fly anywhere.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I had fraud on my account for XXXX with chase I call in to advise them that I did not do that charge they adv that they cancel my card which they didnt I had to call back in which they adv that the rep forgot to cancel ... this was from XX/XX/XXXX they reverse gave me a credit then today XX/XX/19 they reverse back credit stating that after investigation it was not fraud bc I have used that atm before and my PIN number was enter without any issues ... I try calling chase to adv them that Im having issues with my roommates which I adv before when they had ask me if I could think of anyone that may have access to my card I cant point finger who may have steal my card and used it ... they are telling me bc my PIN number was in my purse by chase law it states that I should not write down my PIN number ... this is unacceptable and I feel like Im not being protected by my bank ... I have the same Issues with my other bank and my credit card which investigates it was fraud and credit me my acct but chase is telling me foolery ... and I need my account to be credited bc now I feel like Im not protected by fraud with my bank ... .this is the 2nd issue Im having since I got this account with chase ... now my account is overdraft in a negative balance no letters nothing from chase telling me the status of my claim just a reversal in my acct.
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

WELLS FARGO, BROUGHT ME TO COURT ON FORECLOSURE, THEY FORCED ME TO HIRE A LAWYER, WELLS FARGO SOLD MY MORTGAGE BEFORE FIRST DAY OF COURT, I SUED WELLS FARGO FOR FAKE FORECLOUSURE, AND FEES, THEY JUST WALKED OUT OF COURT CASE WAS DROPPED. 
XXXX MORTGAGE SCAM COURTS ARE ALL CORRUPT, XXXX MOST CORRUPT CITY IN AMERICA BY XXXX XXXX XXXX. NO LAWYER WILL SUE WELLS FARGO BANK
Consumer complaint received 2019-06-14
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Allied Collection Services, Inc. (Nevada) (NV)

My report indicate I owe XXXX XXXX and I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report. 

My report indicate I owe XXXX XXXX and I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report. 

My report indicate I owe XXXX XXXX XXXX and I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report. 

My report indicate I owe XXXX XXXX XXXX I have paid this account off, Therefore this information is not accurate and i request this negative account be removed from my report.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (OK)

I have been calling the XXXX XXXX customer service number many times in the last two days. The problem is when i call to talk to customer service the automated system transfers me to them and they hang up before i can even talk to a live person. I am charged XXXX every call i make to XXXX XXXX. They are racking up my charges and not helping at all. I have to change address in order to receive a new card because they never updated my address and the new card went to an old location. 
I can not talk to anyone and every time i try I am charged whether i have spoken to someone or not! This is not right nor is it ethical! 
I think its ridiculous to be charged to get help with a product that is holding my money and get charged whether I am helped or not. I have called over 8 times at XXXX cents a peice to get help with a replacement card and I have yet to talk to anyone because they keep hanging up on me.
Consumer complaint received 2019-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NM)

XXXX has attached a debt that is not valid to credit reporting agencies. I had a payment arrangement with XXXX services for all medical related services and all payments were made directly with XXXX. I did not even know XXXX had placed anything on my credit files until I checked my free annual reports! I called XXXX and they verified that no accounts were ever sent to XXXX. No information was ever received from XXXX as well ( which would be expected since I had nothing to do with them ). On my credit report they have since listed the " debt '' as paid but through a court trustee- I have a BK that will be 10 yrs old in a few months so this is highly illegal to attach any debt they are claiming was from a BK.
Consumer complaint received 2019-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

I received a letter from Freedom Mortgage company ( who is servicing my home loan ) on XX/XX/19 basically telling me that they had completed an escrow evaluation and that I owed them {$2300.00} by XX/XX/XXXX and that my Mortgage payment of {$1600.00} would be increasing to {$2100.00} effective on XX/XX/19. I immediately called the Escrow department and we walked through the escrow payments out and money in over the year that I have owned the house. My initial thought was that my property value had been reassessed but my current tax bill is {$2500.00} per year and this would now be a {$4000.00} increase per year. What Freedom discovered was that they made a payment to a county back in XXXX ( XXXX Co. ) that I do not live in on a house that I do not own. This money was sent back by XXXX County in XXXX and noted as " already paid ''. Once sent back from XXXX County, no internal questions were raised as to why it was sent in the first place. Freedom then sent {$2000.00} back to XXXX County on XX/XX/XXXX and after my escrow account went negative, they sent me the letter stated above. Now I am being told by Freedom 's tax department that until XXXX County send back the {$2000.00} to Freedom, that my escrow account will show negative and a new evaluation can not be performed as it would give the same result. I have until XXXX to rectify the negative balance and make the increased payment and once the money comes back from XXXX County, they will do a new evaluation and if there is an overage ( which there obviously would be ) I would be refunded the overage and my payment would be adjusted back to the proper amount. I asked to speak to a supervisor and was told that I could be transferred to a customer service representative which basically said that the tax department handles these matters and they have TOLD me how it would be handled. I sent a letter ( e-mail ) to the customer support address on Freedom Mortgage 's website this morning and received a form letter response that they would not engage my issue through e-mail but instead would send me a letter by US mail with their response. With the timing of this being critical, I was hoping to have this resolved by XX/XX/19.
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (PA)

I have hired a third party company called XXXX XXXX XXXX to resolve this issue with Credit Collection Services, a collection agency. When I use to live in XXXX, XXXX ; XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill was not paid after I relocated to XXXX, XXXX for new employment. Eventually the bill was sent to collection agency, XXXX XXXX XXXX. The bill was paid in full on XX/XX/XXXX and the confirmation number is # XXXX. However, the bill is still showing on my credit report with Trans-union and I would like to have this item removed from my credit report as it is showing as a negative item.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (PA)

PLEASE HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 62 days and I have not received a response. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. PLEASE HELP!
Consumer complaint received 2019-03-13
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. (CA)

I have 4 loans reported late in XXXX and XXXX of 2018 in which the loans were on approved deferrement. I disputed the error with Experian but they verified the reporting as correct information. As supporting documentation I have the approval letter of deferrement covering the time that was reported late.
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Try to Apply for Employment & On Line Pop Up That I have to Pay {$1.00} to Apply for a Job. Pay to Transunion. we were agree. When we received {$1.00} Charges & {$19.00} ( Which i was not aware of that ). Until came On My Credit Card. I call My XXXX XXXX XXXX Card Company. They refuse to remove it. I call Transunion They Refuse it also. We would like to have a Refund of that {$19.00} from Tranunion.
Consumer complaint received 2019-03-11
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. (MA)

My wife and I have two mortgages with XXXX XXXX XXXX XXXX XXXX Bank, headquartered in Massachusetts. Approximately 16 months ago, following confirmation of a Chapter XXXX, plan, we agreed with the bank for monthly loan repayments of {$12000.00}. Since that time no monthly payments have been missed. Yet, the bank has reported to the credit bureaus delinquencies of 30 to 60 days. Of course, this has reduced our credit scores significantly. And made it impossible to get a new credit card or an auto loan.
Consumer complaint received 2019-03-11
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. (CO)

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

XXXX has many errors on my credit report and it has been sharing my privacy information to companies that XXXX has business partnership. 
On XXXX  credit report of XX/XX/XXXX they have somebody last four number Social Security # XXXX. That's not my last four. 
Also, Their investigations with the Derogatory remarks ofXX/XX/XXXX and past due of {$1600.00} is not correct. 
I didn't have no late payments for XXXX, XXXX or XX/XX/XXXX and in due of respect Prestige   put those past due payments of XXXX on the back of the my auto loan # XXXX.As I had to support my family in XXXX with Medical illness, Medical Expenses and Funeral Expenses from XXXX till XXXX. 
I also had Medical expenses and Financial Hardship in XXXX and XXXX as my XXXX has put me in pains and tribulations. 
I had XXXX in XXXX with XXXX XXXX XXXX of XXXX, California and I am still having pains and, Medical Treatments with Prescribed Medications. 
On my XXXX credit report of XX/XX/XXXX there is many Unauthorize Hard Inquiries that I didn't give written or Verbal Consent to pull my credit. 
I marked all Unauthorized Hard Inquiries with wording and marking of Delete. 
XXXX Credit Report is provide it for evidence. 

Also, Prestige Financial Services hasn't updated my timely payments on my auto loan # XXXX as of XX/XX/XXXX and all my timely payments for my auto loan with Prestige has been paid with my XXXX Checking Account ending XXXX XXXX Report # XXXX for XX/XX/XXXX has many errors and inaccurate information. 
XXXX, needs to respectfully update my credit report immediately and also place my Prestige  Auto Loan Account # XXXX to Current Status for XXXX, XXXX and XX/XX/XXXX and remove the derogatory remarks of {$1600.00} on my credit report of XX/XX/XXXX. 
Prestige Financial Services made a error also placing XXXX, XXXX and XX/XX/XXXX past dues of XXXX. 
Prestige agreement documents are presented to Consumer Financial Protection Agency, Federal Trade Commission and Department of Justice ADA Disability Civil Rights Act. 
I filed a ADA Disability violations and Discrimination and Retaliation against XXXX  Financial Services with Case file # XXXX filed on XX/XX/XXXX. 

According to XXXX XXXX XXXX credit monitoring XXXX Credit Report the derogatory remarks of 30-60-90 days late has been removed and my credit score with XXXX is around 680. 

XXXX  and XXXX hasn't removed the derogatory remarks on my credit report as of XX/XX/XXXX.My credit report with XXXX  and XXXX has inaccurate information and errors for many years. 
XXXX, XXXX and XXXX  and Prestige has violated my ADA Disability Civil Rights Act in which Discrimination and Retaliation has been implemented with Department of Justice. 
US Senator XXXX XXXX has been contacted on my issues with Prestige, XXXX, XXXX  and XXXX. 
I am XXXX XXXX and Retired. 
Urgent Matters!
Consumer complaint received 2019-03-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One calls outside of legal hours and when questioned on this abuse, they claim that they do not have control over their own auto-dialing system. I have documented at least one instance when they called after XXXX XXXX EST. Instead of acknowledging their violation of the law, they attempt to collect a debt.
Consumer complaint received 2019-02-27
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Imagine Home Lending, LLC (WI)

XXXX XXXX of Imagone Home Lenindg has many many non compliant issues on social media. It is a bait and switch with no equal housing or company nmls on her main sponsored picture on profile. It states XXXX  down and XXXX credit. No program is given at all and is very predatory. It seems as if they need a compliance department because they advertise qualifications of programs but never give the program with a bait and switch. Aren't they suppose to have equal housing logo and their company nmls on their profile vicer photo.
Consumer complaint received 2019-03-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (KY)

Had an issue with my escrow increasing over the passed 2 or 3 years. This is the XXXX time I have filed a complaint about my escrow. After talking to my mortgage company, Chase Mortgage, it was explained to me that my escrow had increase the last year by {$700.00} and {$700.00} the year before that a total for {$1400.00} in two years and that was a very huge increase even for the year or the last 2 years and I would have to call my Insurance company, XXXX XXXX to find out why. After talking to XXXX XXXX, all they could tell me is that it had increase due to inflation and nation wide disasters such as fires in California, earthquakes, etc. Ok, first off I live in Kentucky, no where near any wild fires from California. She said she was just giving examples but I told her that I am in KY and not in California. Asked her if California is in the United States, she replied yes, I then asked her is KY in the United States, she then said yes. I said ok that means what you just told me is natural disasters that happen in California effect my insurance rate all the way in KY. I am so sick and tired of dealing with this XXXX! To be honest I have a lot of stuff wrong with the house as it is that I don't have the money nor the time to fix its not even funny. But here I am paying {$1300.00} a month for a house that's falling apart and wont sell for what I still owe. I might take one step forward trying to do an update on the house by replacing the back doors because they are rotted and falling apart, but right after that 5 more things fall apart right in front of me! It is pretty much impossible to try to sell my house because no one wants to deal with buying a house with a ton of damages. I will probably die before I can even get it all fixed. Its not even worth trying to buy a house unless you win the lottery and you just out right buy a house instead of making payments to a mortgage company. My XXXX XXXX XXXX # is XXXX
Consumer complaint received 2019-03-13
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: EQUIFAX, INC. (NV)

I sent a dispute to Equifax, XXXX as well as XXXX about my credit report. I saw a lot of unknown inquiries on my report. Some companies did hard pulls on my credit two or three times without my knowledge. I sent a letter to all three credit bureaus onXX/XX/2019. I still have yet to receive anything from either Equifax nor XXXX. I did receive a letter back from XXXX  and I will continue to dispute with them. 

My Concern is that it has been over 30 days and Equifax and XXXX  has yet to reply. Within the FCRA they have 30 days to respond or else they will have to remove things from my credit report. This is hurting my credit worthiness so I need them to remove these items.
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I was alerted to a fraudulent charge on my credit card issued by USAA bank I called them onXX/XX/2018 to alert them that my credit card was being used without my authorization. I have filed a dispute and had this dispute reopened after they failed to send me information through the mail which is my preferred communication method. I submitted the documentation stating that XXXX  XXXX XXXX and suites used my credit card without my authorization according to their policies. XXXX XXXX XXXX refused to reimburse my credit card and I was told that a police report was going to be filed by the manager at XXXX XXXX. This did not happen and where I unaware That a person was using my credit card to stay at the hotel. I have since reached out to USAA or than a dozen times was told someone would call me and no one has. My credit card has not beenreimbursed and the charges reversed and have been told that my dispute is not warranted. I have since submitted to refusal to pay letters which no one seems to see or acknowledge. All of the documentation I have submitted to USAA has been deleted. I want the charges for the hotel stay on XX/XX/06of 2018 he deleted from my account because I will not pay them and I want to know why my privacy and credit has been compromised due to a lack of customer service and integrity Of both USAA and XXXX XXXX XXXX and XXXX.
Consumer complaint received 2019-03-13
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC. 

I, XXXX XXXX, had lost my job in XXXX. Notified the mortgage lender, HSBC, of the matter. I didn't land a job until approximately 3 months later, informed HSBC that I will began making payments in doubles until I was caught up, however, they had told me that there was a new policy stating that the whole past due amount ( totaling appx. 5000.00 dollars ) would need to be paid. Furthermore, no payment smaller than the past due amount would be accepted. 

At that time, it was winter going into spring, in XXXX New York. Therefore, I was behind in the heat and electricity, the car loan, and owed back payments in child support. There was no way for me to be able to pay the amount that was requested by HSBC. Hence, the house ended up in foreclosure. I could not afford a lawyer, at that time and still can not. 

After many phone calls, and time passing, the loan that had plagued my life, had been closed. The house was sold in an auction in XX/XX/XXXX of XXXX, according to XXXX XXXX XXXX XXXX ( contact info : XXXX ). Although, on my credit report it shows that the account had been closed on XX/XX/XXXX. I do not understand how they had closed the account on this date when I was still making payments until I was unemployed. To make matters more confusing, this Monday, XX/XX/XXXX, I received a notice via XXXX XXXX stating that I owe HSBC a past balance of {$120000.00} dollars, yet the loan was for {$55000.00}. Even more confusing is that it states that I made a payment on XX/XX/XXXX. I WAS LIVING IN XXXX!!!!!!!! THE HOUSE WAS SOLD ALMOST A YEAR BEFORE THEN!!! WHICH, I HAD NO PRIOR INFORMATION ABOUT!!!!! 

I called HSBC ( contact info : HSBC BANK USA NA CREDIT INFORMATION DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) looking for more info on the matter and they had directed me to XXXX XXXX XXXX XXXX. No one had given me any information proving to me that I owe the amount, yet there is still another account on my credit report showing that I do not owe HSBC anything. I will print a copy of the report and send it to your mailing address along with a copy of this complaint.