davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (VA)

I did not authorize the following companies to run my credit check and ruin my credit score. I contacted the credit bureaus and was told I had to submit an CFPB report for the FTC & it should be removed quickly.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report. I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request immediate action to protect my credit information and block and delete all items associated with this breach. 
Inquiries XXXX XXXX Date of XXXX : XX/XX/year>
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have checked my credit report and I have discovered a fraudulent account on my credit report, this account is XXXXXXXX XXXX opened on XX/XX/year> with the account number XXXX, this is account is fraudulent and I do not have not given my consent for this account to be opened on my credit report.
Consumer complaint received 2021-09-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (CA)

XXXX XX/XX/XXXX I entered the COVID Forbearance relief program on XXXX XX/XX/XXXX for one year. I have since successfully made the XXXX ( XXXX XXXX Trail payments starting on XXXX XX/XX/XXXX to qualify for a loan modification. I have continued to make on time payments every month and on XXXX XX/XX/XXXX will be 8 months of on time payments. 

I have made five request to M & T Supervisors to receive my loan documents to close on a loan modification with M & T Bank. Each time the Supervisors submit an 'escalation ticket ' which amounts to nothing. M & T 's has stated on numerous occasions that I have provided all they need for the loan modification ; however, my loan modification documents is held up with a third party reviewer. 

It is my belief M & T Mortgage is slow rolling my loan modification documents because I have made it clear I am refinancing my loan under the VA XXXX program and M & T does not want to loose my higher monthly payment ( {$4000.00} ). Each month I could have a lower VA Mortgage payment by 1 % point but I am powerless against M & T Bank. 

This written correspondence will serve as my notice to M & T Bank 's tactics to undermine homeowners by holding loans hostage so to profit on higher interest rates. There is no other explanation.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (MS)

RoundPoint mortage added extra insurance to my account unnecessarily. I never lapsed coverage and did not need any extra coverage. They did this and are now trying raise my mortgage by almost {$400.00}. I dont need two insurers on my home.
Consumer complaint received 2021-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC (NC)

In XXXX, Best Egg offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate two personal loans that I currently have with XXXX XXXX. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with XXXX XXXX and direct deposited the balance of {$2600.00} into my personal checking account. 
On XX/XX/XXXX, I was notified by XXXX XXXX that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than Best Egg said they had paid. I contacted Best Egg to get the information but was told that they would have to research it and get back to me. When I heard back from Best Egg some time later and provided the information to XXXX XXXX, I was told that the holding period had passed and they had returned the funds to Best Egg. I again called Best Egg to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me. 
I then went back to XXXX XXXX several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Best Egg has not honored their agreement to pay my loans but they are continuing to withdraw money from my account. I will also be duplicating this complaint against XXXX XXXX because they admittedly cashed the checks but have not credited my accounts. 
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (AL)

ON XX/XX/2021 I NOTICED AN ACCOUNT ON MY CREDIT REPORT IN THE RESULT OF IDENTITY THEFT. I CONTACTED XXXX XXXX XXXX XXXX TO WARN THEM ABOUT THE FRAUDULENT ACTIVITY. THIS COMPANY FAILED TO INVESTIGATE AND PROVIDE ME WITH ANY AND ALL SUPPORTING ITEMS REPORTING INACCURATE AND FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS A COMPLETE VIOLATION. THIS ACCOUNT HAS NOW BEEN SENT TO A COLLECTIONS FOR DEBT THAT I DO NOT OWE BECAUSE OF THE LACK OF KNOWLEDGE, INTEGRITY, PROFESSIONALISM, AND BEING COMPLIANT AND REFUSING TO INVESTIGATE AT ALL. LEAVING ME TO HAVE A DAMAGED CREDIT REPORT FOR SERVICES I DID NOT OBTAIN
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

My XXXX XXXX auto financing loan did dont appear in XXXX, Equifax , or XXXX credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.
Consumer complaint received 2024-01-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WSFS FINANCIAL CORPORATION (LA)

See attached forensic mortgage analysis. This is a good example of Mortgage Fraud by a Debt collector pretending to be a mortgage company. This is fixing to end up in Federal Court, Read the Attachment. Color of Law Crimes, Civil Rights Violations RICO, Racketeering. These companies destroyed my family broke apart with the stress, after 25 years. I was put in Default the COVID deferment, they were fined but I never saw a XXXX. The revolution was fought by We The People to gain sovereignty of our land from the XXXX, and our Great Western Experiment, the only one ever in the History of man. Where you did not have to be born into a certain bloodline to not be a XXXX XXXX XXXX Unfortunately that didn't last long, the American Revolution part 2 ( the civil war ) and we lost. The corporation Started in 1871 in the States called the XXXX XXXX  XXXX XXXX XXXX XXXX, by the King of XXXX... The truth is there was a Federal Lien when I purchased the place and looks like the title company is about to be in Federal Court also. there is a Federal Lien on every ones property. We all can sue the title companies. This is a fact. read the attachments. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has no Oath of Office, Ruled against me in these proceedings. case # XXXX,
Consumer complaint received 2021-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (RI)

Fedloan servicing is not updating my progress towards PSLF. I have submitted two forms, most recently on XX/XX/XXXX certifying my employment at a qualifying employer from the months of XX/XX/XXXX - XX/XX/XXXX. Most of my payments were accepted. However, for some reason, the period from XX/XX/XXXX - XX/XX/XXXX was not counted as qualifying and is still listed as " eligible ''.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE (CA)

My Credit score is XXXX My credit card # XXXX XXXX XXXX XXXX Exp XX/XX/24 Had this card for 4+ YEARS. ALL OF TRANSACTIONS ARE BEING REJECTED BY BARCLAY 'S BANK, OVER THE PAST 30 DAYS. I HAVE PAID ANY AND ALL XXXX BALANCES IN A TIMELY MATTER. I HAVE SPENT OVER SEVEN ( 7 ) HOURS ON THE TELEPHONE TRYING TO RESOLVE THIS MATTER SPEAKING TO THE SUPERVISORS ON DUTY. THAT ASSURE ME EVERYTHING HAS BEEN RESOLVED ONLY TO HAVE MY NEXT PURCHASE REJECTED. 
BARCLAYS BANK IS A BANK THAT CAN NOT BE TRUSTED. )
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

My Rights Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, including accounts that were discharged in bankruptcy. Additionally, the Bankruptcy Code states that debts discharged in bankruptcy should not be reported as derogatory. Given that all the accounts in question were discharged, I believe these derogatory marks violate my rights. I request that these accounts be reviewed and that accurate reporting be ensured.

General Comments I understand that my credit score is affected by these derogatory marks. I have made efforts to maintain good financial habits, including ensuring all accounts are paid on time and maintaining a {$0.00} balance on closed accounts. Given that these accounts were discharged in my bankruptcy, I would appreciate your prompt attention to these matters and any guidance on how to resolve these issues.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2021-09-21
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. (OR)

On XX/XX/2021, there was a hard inquiry on my Equifax credit report. It came from XXXX  XXXX XXXX XXXX. I did not authorize XXXX  XXXX XXXX XXXX- verbally, electronially, or physically ( via signature ) - to access my credit report. I then promptly filed a dispute with Equifax regarding this innacurate hard credit pull, as I did not authorize this. I do not believe the action was one of Identity theft, because I did have an account with this credit union, but they accessed my credit report with information they had on file and without my authorization or provided information. Equifax refused to remove the hard inquiry after my report was filed. Documentation of this is attached. I requested the credit union remove the hard inquiry, but they refused and told me to contact equifax to dispute it, which I did as I mentioned.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On Friday XX/XX/2021 at around XXXX pm I received a text notification from Chase about a quickpay transaction that was in process asking if I was doing it like they usually do. I answered no and they replied saying that I couldn't use my account until they talk to me and gave me a phone number they were going to call from and mentioned that it was the number on my card. Five minutes later I received a call and before answering I verified that it was actually the number on my card, the customer service number from Chase. The person didn't ask me any personal information just verifying the name of the person on the transaction to see if I knew it and my email address and I again said that I didn't process it. He mentioned that XXXX XXXX was the bank that was requesting the money and that they said that the only way to process the refund for the money was to process another transaction to myself using the email address on my account for the {$600.00} which I did because I was sure that I was talking to someone from Chase Bank and I was sending the money to myself. After that he told.me that they'll take care of everything and my account will be blocked for 48 hours. Since the money was taken from my account I went to one of Chase branches to see what was happening with my money and they told me that they can't do anything because I initiated the transaction, that it looks that somebody copied their phone number to do the scam. Something that I believe is not fair because how I was supposed to know that the person calling wasn't actually one of their employees if I verified the number on my debit card.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

I started a loan Modification about a year ago with PNC Bank. 
They asked for a massive amount of documentation, repeatedly, even tho it was provided numerous times. 
I also had a multitude of Reps, some lasting only a week. 
It was a horrible long process! 
I was in total compliance ( timely manner ). 
My Modification was denied and I had provided XXXX taxes, and my PnLs for XXXX and XXXX ( XXXX taxes not due at this point ) They only went off of XXXX taxes and diluted my income and inflated my expenses, even tho everything was diligently provided. 
I even hired a Mortgage facilitator to help me with the process and make sure things were correct and I would gain the mod, based on my income, but Pnc Bank, picked and chose what numbers they wanted to use, based on a favorable outcome for them! 
I appealed and it was denied. 
They are still not considering my XXXX and XXXX income at this time, which is not in compliance!! 
About to appeal again ( 3rd ) ..hopefully they understand now I will file all complaints necessary, until they follow underwriting guidelines! 
They have Not, to this year long process. 
Its Fraudulent
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OR)

Mr Cooper has charged me for a Valuation service ( BPO ) in the amount {$190.00}. I was not made aware of this charge at the time forbearance plan. In addition Mr Cooper suggested i do not make payments and refused to take payments while in " Modification period ''. The company pressured me to sell the property or face foreclosure before a family member helped me with amount due ( over XXXX ) There is also a {$25.00} fee that they are trying to charge, they refuse to send written proof of fee. The {$25.00} fee is a technical error on their behalf. 

They did respond with a letter for the fee 's, its was generic letter not showing me where they disclosed of signed for the {$190.00}.
Consumer complaint received 2021-09-21
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. (IL)

XXXX XXXX XXXX {$410.00}, XXXX XX/XX/XXXX {$670.00}, XXXX XXXX XX/XX/XXXX {$290.00}. I just looked at my credit for the first time in years, I see all the above listed accounts that someone put in my name. These are not my accounts, I never used these accounts nor did I apply for them. I have spoken with the creditor about each individual account and filed an ftc report. They have refuse to remove these items from my credit. These are fraudulent accounts and they need to be removed from my credit file.
Consumer complaint received 2021-09-22
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. (MI)

I am XXXX thru both ; Social Security and Department of Veterans Affairs. When it comes to the Department of Veterans Affairs, I am 100 % total and Permanent XXXX. I have written to all of the Student Loan Companies, completed the application for XXXX, and disputed the information with the credit reporting agencies. No one is listening! 

I have submitted all of the documentation possible from every agency. The documents provided clearly state that I am in fact 100 % total and permanently XXXX. Please help to have this information corrected.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tebo Financial Services, Inc. (PA)

Debt collector is attempting to collect a debt that does not belong to me and is fraudulent. Requested specific documents since car is listed as charge off never received those documents! never received the original contract with my signature on it! asked them to delete this immediately and its still on my credit report as a charge off I do not owe this collection agency and would like this deleted off my credit report immediately. 15 usc 1681 section 3 under exclusions this is illegal I never authorized any of this. Please get them to delete as I reported them to the bbb as well
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I noticed two fraudulent charges made in XXXX CA which I did not make nor authorize. 

My bank Citi bank refunded one for XXXX dollars but not the other for XXXX. 

That in of itself made no sense.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I made deposit at an ATM of a Chase branch at XXXX XXXX XXXX, XXXX, CA. After I put the money in, the machine was out of order and gave me a receipt saying to be sure your deposit went through, call at XXXX. I called right after and was told they needed a few days to investigate the amount of money in question. After several phone calls, they gave me a provisional credit of {$6200.00} and was told the investigation was over. I mode deposits in increments of XXXX dollar bills and put in {$7100.00} in total in my deposit. I followed up with another call a week later and JP Morgan Chase refused to do any further investigation.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (AZ)

Attempted to make payments on credit card but fell behind on payment s .After XX/XX/21 After financial hardship could not make payments. Had to put all finances toward Mortgage, car payment, and insurance and utilities.