davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-01-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lendmark Financial Services (GA)

XX/XX/2020 - call from unknown number threatening to come to my house or job. 
XX/XX/2020 - call from unknown number threatening to come to my house or job. 
XX/XX/2020 - call from unknown number threatening to come to my house or job.
Consumer complaint received 2022-09-27
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: Chime Financial Inc (PA)

On XX/XX/2022 I disputed a charge on my chime credit card. 
On XX/XX/2022 Chime closed all of my accounts. 
On XX/XX/2022 I received an email from the chime dispute team notifying me that there was a billing error and that {$1600.00} was refunded into my account. However, said account is closed and Ive been calling and emailing daily to see where the money is, I am not receiving answers.
Consumer complaint received 2022-09-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

This company has not performed any escrow analysis in over a year on this account since it purchased my loan. This has resulted in over {$15000.00} in excess funds accumulating in the escrow account that it has not returned but worse, it has not made the required tax payments with the escrowed funds. I have called five times over the past month from XX/XX/XXXX to present to have this resolved with the following responses : ( 1 ) they have put in an order for an escrow analysis to be performed, call back next week ; ( 2 ) they can not perform an escrow analysis because the taxes are due, call back next week ; ( 3 ) they will be paying the taxes and have sent an email to the tax department regarding payment of the taxes, call back next week ( 4 ) they have put in an escalated tax email and a supervisor will call within 24 hours ( 5 ) no supervisor is available and they do not have any option to speak with the tax department only send emails. 
( 6 ) they can not provide the name of the compliance officer to speak to and get the matter resolved. 

At each occurrence following my call, a small amount of funds are withdrawn from my escrow account without any report or clarity on where the money has been disbursed and my taxes remain unpaid. 

This is not the first instance of incompetency and danger to my tax payments that this company has had. In XXXXXXXX XXXX this company attempted to insist on purchasing forced placed insurance on my account after repeatedly being told and provided documentation repeatedly both from me and my insurance company that the property had insurance and no such forced placed insurance was needed. We basically had to threaten reporting them to the CFPB and the State Attorney 's General of their practice when they promptly thereafter refunded the money. Their operations are not appropriate and should be investigated. Who knows how many consumers are being defrauded or harmed by their lack of appropriate controls and processes.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

My Wells Fargo checking account ( ending in XXXX ) linked to XXXX was victim to a recovery scam for a total of XXXX USD. I was contacted by a spoofed utility number familiar with my name, service area and energy account, transferred through multiple individuals for hours, induced with sharing further sensitive information to initiate illegitimate transfers over XXXX on XXXX XX/XX/2022 to XXXX XXXX ( XXXX ) XXXX. The fraudulent transactions and compromising were reported to Wells Fargo and XXXX the same day while they were still showing as pending in the linked bank account. I am a long-time customer of this bank and have never had an issue with fraudulent activity until now, of which there is a clear record from the sequence and oddity in transactions to a recipient not registered prior, and likely discrepant IP data at the time of fraud. A representative agreed my account may have been compromised. The Wells Fargo claim exists under XXXX and XXXX, and as of XXXX XX/XX/XXXX was denied. I recently received copies of the documents used to decide their denial, without any record of response regarding inducement or connection to each other. I specified before a WF banking appointment ( XXXX ) on XXXX XXXX that I would like to discuss the fraudulent activity, only to have the subject entirely deferred during it. I have not heard from a XXXX representative. There is also an open police case for this incident, XXXX. In accord with clarifications made by CFPB and FDIC on Regulation E, this is induced fraud that qualifies for remedy of the consumers assets.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/2022 I purchased XXXX XXXX  through the XXXX XXXX XXXX and paid via paypal. Amount XXXX. Seller never delivered the goods. 

I contacted XXXX, paypal and my bank. None of these businesses did anything to help with the problem. 

The paypal transaction is as follows : XXXX XXXX XX/XX/XXXX, XXXX.Money Sent - {$180.00} Your recipient should have the money by XX/XX/2022. 
Repeat this transaction Paid with {$180.00} Transaction ID XXXX Contact info Message XXXX XXXX Details Sent to XXXX XXXX {$180.00} Fee {$4.00} Total {$180.00}
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I posted an item for sale on XXXX XXXX for {$200.00}. A user responded to be on XXXX  that he would come pick up the item and send me the amount via XXXX. After the user mentioned he sent the money, I got an email from XXXX that said the amount could not be credited to my account because my account was not a business account. In order to receive the money, the buyer would need to send over an additional {$500.00} to upgrade my account and the buyer confirmed that once doing so, I could immediately send back the {$500.00}. He provided his XXXX information and asked that I sent back the {$500.00} and an email from XXXX indicated once I provided proof of payment through XXXX the total sum would be deposited in my account. I sent the {$500.00} to the buyer and then immediately contacted my bank, Chase, and reported this as a scam. I filed a formal dispute since I did not authorize this payment to this user. Chase indicated that with platforms like XXXX they do not have authority to issue a refund or stop payment since it goes out instantly. I have blocked this user and would like assistance in getting the {$500.00} back that I sent to this person in error after following the instructions I received from a XXXX email.
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tulsa Adjustment Bureau (OK)

I went to XXXX XXXX XXXX in XXXXXXXX XXXX for several months after being referred to them by another Chiropractor. Before going I confirmed they were in network with XXXX XXXX. The office is part of a medical network with XXXXXXXX XXXX that offers discounted rates to XXXX customers. After service was completed the office will not accept the discounted rates and are now trying to send me to collections for the full billing amount, and not the discounted rates Im entitled too. In addition to sending me to collections they have also placed a lien on my unsettled bodily injury claim for the full amount and not the discounted rates. This practice is deceiving and at the very most I should owe is the discounted progressive rates. Once I receive a correct invoice with how much I owe I can settle with them. This should be illegal as they are trying to seek more than they are owed from multiple different methods.
Consumer complaint received 2022-09-12
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. (PA)

I called my student loan servicer ( Navient ) to discuss a payment. Somehow I was connected to a third party company. I was under the impression I was on the phone with Navient but I was actually on the phone with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX told me I was eligible to apply for the Public Student Loan Forgiveness program but need to pay {$390.00} I gave them payment on XXXX XXXX, 2022. When I called to check the status of my loans, I was told by XXXX and the Department of Education that XXXX should not charge me for this.
Consumer complaint received 2021-07-15
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. (TX)

I did not consent to, authorize, nor benefit from any of the following Inquiries and Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened:XX/XX/XXXX Amount : {$18000.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$1400.00} US DEPT ED Date Opened : XX/XX/XXXX Amount : {$6600.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} CHLD SUPP VA Date Opened : XX/XX/XXXX Amount : {$46000.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX
Consumer complaint received 2021-05-25
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)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. i submitted my documents on XX/XX/2021!
Consumer complaint received 2022-07-26
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. (HI)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (NY)

Company : ServiceMac For XX/XX/XXXX, my mortgage has suddenly increased by {$110.00}. When I called customer service they informed me that it is because my school taxes increased. They did not. 

Then they told me there was an escrow evaluation done in XXXX and they determined that there was an escrow shortage of {$810.00} which I would have to repay in order to get caught up and not face another shortage. They said they sent me a letter in the mail. They did not. I always open mail from ServiceMac. I did not receive an email either. And in fact, when go on their website monthly to check things out and to make a payment, there is NEVER an escrow shortage. 

I got a supervisor on the phone who said he will send me the escrow evaluation to my email so that we can discuss the shortage together. Wherever it says " Escrow Shortage '' the amount is {$0.00}. I told him he is actually making my case for me seeing as there is no, and never was, an escrow shortage. 

He then tells me that my CURRENT escrow account has a shortage for the taxes that will be coming up. I log into my ServiceMac account to find that there is actually a decent surplus in my escrow account. 

He then tells me ( excuse # 3 ) that my taxes must have gone up. While we are on the phone, I log into the XXXX XXXX website and find the taxes paid and projected on my actual house. They increases a teeny bit between XXXX and XXXX. Then he tells me that their escrow projections are based on XXXX taxes. I click on XXXX and my taxes are actually going down next year. 

What this mortgage company is doing is charging bogus fees to hardworking homeowners by tagging on " projected '' escrow fees at the end of the year thinking no one will notice or think to check their taxes. I suspect, that once they do this to a XXXX  XXXX XXXX customers, they'll make interest on the money so they can make their projected budget. 

In my entire adult life, I have never once had an escrow shortage on a mortgage and I have owned a home for 20 years. This practice is shady and they know it. And in fact, they tried to pull this last year by raising my payment more than $ XXXX. They admitted it was an escrow evaluation error. 

Please do something about this. I will be contacting the FTC as well, and any news outlets I can find that will take this story on and bust them for these shady practices.
Consumer complaint received 2022-09-27
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-20
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. (TX)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A States that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2022-10-20
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. (RI)

I HAVE AN ACCOUNT REPORTING TO ALL MY CREDIT REPORTS ( EQUAFAX ) ( XXXX ) AND ( XXXX ) THAT HAS MANY INACCURACIES FOR THE DATA IN THE PAYMENT HISTORY FIELDS. I AM DISPUTING THIS ACCOUNT BECAUSE THE DATE OPEN IS XXXX, THE DATE CLOSED IS XXXX, IT SHOWS DATE OF 1ST DELINQUENCY IS XXXX THIS IS IMPOSSABLE CONSIDERING THE ACCOUNT WAS CLOSED ON XXXX .... XX/XX/2022, XX/XX/2022, XXXX, XX/XX/2022 AND XX/XX/2022, ALL SAY " PAID AS AGREED '' AND " CURRENT '' : ..CLEARLY, I HAVE HAD NO LATE PAYMENTS FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022 AS THE CREDIT REPORTS ARE FURNISHING. I WANT THE LATE PAYMENTS EITHER REMOVED/ DELETED FROM ALL THREE OF MY CREDIT REPORTS OR UPDATED TO " PAID AS AGREED '' AND " CURRENT '' EQUAFAX -- ACCOUNT NUMBER XXXX ( XXXX XXXXXXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) XXXX XXXX ACCOUNT NUMBER XXXX ( XXXX XXXX ) 15 U.S.C. 1681 section 602A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681c ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C.

1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVETHAT THE INFORMATION IS INACCURATE
Consumer complaint received 2022-10-20
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. (DC)

XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-12
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please update or correct this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1 XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX