davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
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: Nelnet, Inc. (TX)

THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but Firstmark is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but Firstmark continues to report it late. I have all my e-mails and documents showing this but Firstmark and the credit bureaus have not corrected my credit report.
Consumer complaint received 2023-01-19
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-03
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: SYNCHRONY FINANCIAL (MN)

I was divorced in XXXX of XXXX. My ex husband & I were joint on a CareCredit Credit Card that was taken out in XXXX of XXXX for said ex husbands dental bills. 
In the divorce decree, it states that the respondent ( ex husband ) shall pay the stated debts to the Care Credit Card. The XXXX shall hold the XXXX harmless from any obligation to make payments on the same. The ex husband charged off the account with an amount of {$2600.00} in XXXX of XXXX & it is affecting my credit & ability to obtain any type of loan. 
I have disputed with the credit bureaus to have this removed & they are still saying I am responsible for the debt. I have contacted Synchrony Bank & they have not done anything to correct it.
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation (FL)

I keep getting calls from Concord Servicing Corp Phone number XXXX. They are looking for a " XXXX, XXXX ''. I am not that person. I have called them and emailed them asking them to remove my number from their system and to stop calling me. They continue to call. Please make them stop.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (GA)

I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to Experian, XXXX, XXXX, and related companies XXXX & XXXX XXXX  to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX  # XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (AZ)

On XX/XX/XXXX I called and reported my card stolen. They cancelled the card and said it would take 15 days for the new one to arrive. I said it was fine and hung up. 30 days later I called again. They said it had been sent back saying I couldn't be found. I gave them my address, again and they said they were sending a new card. 30 days later I called again, they asked me to wait a little longer. I waited until XX/XX/XXXX, which was officially 60 days later. They said by the end of the month. It's XX/XX/XXXX, no card. When I call the system says high call volume call and call back. I want cancel my card because I don't want to be charged monthly fees when I can't use card.
Consumer complaint received 2023-01-19
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The Lender XXXX XXXX has inaccurate reporting on my credit history. First with transunion XXXX. XXXX. XXXX the are report my account as okay, but on experian it's reporting as 30 days late XXXX. XXXX. XXXX. I called to try and right this and they claimed everything to be reporting correctly. I have confirmation emails proving that payments were made on time to account. 

Lender is also reporting that I had one 30 days late payment in XXXX of XXXX, that is inaccurate, I have XXXX XXXX confirmation on XX/XX/XXXX amounts paid of XXXX to the lender to prove that information false. Original amount monthly payments were only {$410.00}.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

I received a form letter from JPMorgan Chase informing me, " that in accordance with the instructions received from my attorney, we are providing nine years of credit card receipts to you wife for your individual Chase accounts ; and changing your mailing address ''. 
I never requested or authorized this action. The attorney who sent the letter did not have the authority to do so. I have filed a complaint with the California State Bar, but I can not proceed against the attorney or my wife for violations of the Credit Card Act of XXXX and other statutes because Chase ; despite several requests, has not provided me with any copies of the correspondence. 
This event occurred in XXXX, XXXX ; and to date ; my credit card statements are still being sent to an address I did not request, making it extremely difficult to prevent any late payments or other issues. 
I have had no cooperation from Chase.
Consumer complaint received 2020-12-07
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. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2021-06-09
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: Mr. Cooper Group Inc. (CA)

XXXX Was investigated and went in my favor Mr Cooper updated credit report temporarily and later updated it as late again each time i dispute its not updated properly they fail to look at notes and mark it as late. Please assist with MR Cooper making this update to all 3 credit agencies as a permanent update as not late per their confirmation later attached in above case number that was closed last year after1st dispute were i involved consumer financial
Consumer complaint received 2022-08-21
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)

This is a follow to a complain I sent back in XX/XX/2022. XXXX response was incomplete. They responded on XX/XX/2022 with I may have been a victim of fraud. That was their conclusion. XXXX responded that they contacted the data furnishers and asked them to verify the accuracy of the information with I disagreed. They responded and verified that the disputed information was accurate and verified. Equifax responded that item was removed and not currently reporting on credit file. 

How is it that Equifax wasn't able to verify that the report was accurate but XXXX claims that the companies was able to verify it as accurate. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

These accounts are still reporting as in accurate XXXX XXXX account # XXXX XXXX XXXX XXXX # XXXX. I have attached an updated credit report. 

Also, Equifax stated that they removed the accounts and not currently reporting but somehow, they are still reported on Equifax report.
Consumer complaint received 2021-02-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (AZ)

On XX/XX/XXXX, XXXX XXXX of Freedom Mortgage reached out to me to do a XXXX XXXX. I told her of my experience and she stated it would be different this time. After looking over the paperwork I decided to go ahead and go through with the refinance. I had went through an experience with them last year in regards to adding my spouse to the title work. The same issue arose and they told me that they could not add her. I had to resend everything again to have them add her knowing that they could and it would be easier to do it during this process. I went to scheduled on XX/XX/XXXX and they could not accommodate my request when I told them that I could not close on the date provided. The scheduling department kept trying to explain the process and would not let me pick my own notary since they could not accommodate my request which should be my right as the consumer.
Consumer complaint received 2024-09-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (TX)

My insurance company paid me to repair my roof. My mortgage company is co-signed on the insurance payment check from my insurance company so I needed them ( Freedom Mortgage Corporation ) to send me the first payment so I can start repairs. 

Freedom Mortgage Corporation stated to please allow XXXX business days for the initial draw ( payment ) once the completed documents are received by them. 

I confirmed by phone with Freedom Mortgage that Freedom Mortgage received the endorsed check and all required documents by XX/XX/year>. I contacted them several times by phone since then to check on the processing status of my initial draw and they always said the check had not cleared in their account. Today I confirmed with my insurance company that the check had cleared. I challenged Freedom Mortgage on why they were delayed, then they said they would expedite my situation on Friday XX/XX/XXXX and that I could expect to receive the first draw in another XXXX business days. This means they plan to hold onto this money for almost an entire month while I'm unable to pay for repairs to protect my home and family. 

It appears Freedom Mortgage Corporation are simply holding onto the insurance repair money I need to repair my home so they can make a profit off of the interest while it sits in their accounts and and have no intention of following their time commitments unless their customers complain about delays. 

I want to draw attention to this unfair practice that must cause even more harm to all their other customers who don't have the time to XXXX Freedom Mortgage corporation and wait on hold for over XXXX minutes every time I try to talk to a human being.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I was checking my credit report and I figured it out that someone else creates a new account with my information and then when I try to sign on to check my credit I cant because someone else is using my personal information and used it for their own convenience.
Consumer complaint received 2021-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to validate accounts on XX/XX/2021 to.. I didn't hear anything from them so I filed a complaint XXXX with you guys. According to FCRA reporting agencies have 30 days to validate disputed items. It took them longer than 30 days therefore my request to remove disputed accounts should be honored. I have attached the letters which state the date of Tranunions response
Consumer complaint received 2020-12-06
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: CITIBANK, N.A. (MA)

Notified company of fraudulent activity on my credit card on XX/XX/2020 and reported it to the police as well and recieved a claim number from them. 

In addition to the fradulent charges the billing address on my account was incorrect. I notified them and the credit bureaus of this incorrect information. 

On XX/XX/2020, I recieved a letter telling me the charges were NOT fraudulent and they appeared on my credit card statement again. I spoke with their fradulent security operations who refused my fradulent claim and explained again that I did not make these charges and I DO NOT and never have lived at the address they claim belongs to me!! They said " the facts and or information reviewed as part of the investigation does not substantiate the claim of unauthorized use ''. 

In addition to this, I closed my account on XX/XX/2020 and they issued a new card ... they sent that card to the Wrong ADDRESS and again fraudulent charges appeared on the new card ... which I NEVER RECIEVED or authorized use!!!
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I wanted to apply for capital one quick silver but it seems they have another card as well capital quick silverone as well which has a yearly fee .The names are so similar and as XXXX without desktop amd looking stuff up on a tiny mobile I accidentally clicked on that ..if the product are different shouldnt they try maybe different names so that for people like me applying for a card while juggling a lot of things accidentally click a wrong one..or is that what they are hoping for? That people accidentally click and they get money? i got a email immediately confirming my approval in which they mentioned my benefit which was same a quick silver but convienently didnt mention the fee ..i realised it was different only when i noticed the charge .now i am stuck with it because closing will effect my crdit
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (NC)

On XX/XX/XXXX I rented a car with XXXX in XXXX FL airport. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ) Rental agreement XXXX Confirmation No. XXXX. 
It was a XXXX XXXX  XXXX XXXX. Paid with VISA. XXXX XXXX No. XXXX with 24335 miles. At that time I only received the contract ( included ) but nobody walk with us around the car to check for damages and I did not see any, nor I received a template with the car and damages if there were any. I returned the car on the XX/XX/XXXX at XXXX XXXX  at the same location. An employee greeted me, walked around the car like checking it and asked if I wanted a driver to take me to the airline departure door. I was pleased because my son was just released from the hospital and he wasnt feeling well. I sat in the passenger seat and the employee-driver transported us to the XXXX  terminal in the same car. He opened the trunk and proceeded to unload our luggage. Gave him a tip and he left. One month later I received a call from XXXX  XXXX XXXX   : XXXX informing that I was responsible to pay XXXX $ for damages caused to the vehicle I rented with XXXX   while in my possession a d that I should send the check to XXXX   XXXX XXXX. I was surprised because I did not even see the damage nor I was contacted by XXXX  to informed me of this problem. I said I was not going to pay unless they sent me a prove that the car was in my possession when the damage happen and no after the employee returned the car to their office. This driver could have seen the damage when he opened the trunk to retrieve my luggage. He never said there was any damage in the car. Included is the claim from XXXX  XXXX, XXXX XXXX, Claims Recovery Assistant. I never received a claim from XXXX. They sent me the bill and a picture of the damage. 
I will appreciate very much if you can guide me in what to do with this claim since I think is not how the rental companies should operate. Who can assure me that it was their employee returning the car to their office who damaged the car. 
Sincerely
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

When I was XXXX I got a Car and shorts afterwards the Next year I XXXX because I am an XXXX XXXX XXXX in the XXXX. When I XXXX I didn't have anyway to contact America I tried to. download multiple Texting/calling apps, I tried emailing but to no Avail I could not reach JPMCB in XXXX. When I returned I noticed that I had a collection and it was from them It said my account charged off in XXXX when I was XXXX and whenI called and told them my situation they rest assured I was good and that it was okay. They gaslighted me Into believing things until I just paid the car off in one big lumpsum. While I was paying they reported every month CO reseting my date of last activity with them.I tried to ask them to stop since they can not legally do that and they said that they are doing what they are instructed.I didn't argue or fight with them because, I was young and didn't realize how bad that was. Now I recently tried contacting them to no avail to get the to delete the CO month by month and have a more accurate reading and they have not. I Paid the account off in XXXX
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have filed several disputes with Experian in regards to a public record item on my credit report. I have even filed with CFPB each time Experian has responded stating they verified the information the first time they stated they verified with Lexis nexus I have attached proof from XXXX XXXX that they have no file on me Secondly Experian states they verified with US Bankruptcy court I have attached proof from the US Bankruptcy courts that states Experian didnt revive this information from them Attachments letter from US Bankruptcy Court Letter from XXXX XXXX Photo ID
Consumer complaint received 2021-09-07
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. (GA)

Put in a Dispute for a fraud account with Experian. The customer service representatives, after calling twice ( XXXX & XXXX ) would not help and take care of this fraud account on my credit report. I have purchased fraud protection and other fraud products from this company to prevent this from happening as I have been a victim of identity theft.