davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (CA)

On XX/XX/XXXX, I was enrolled in XXXX XXXX XXXX hardship program due to my financial situation. The enrollment took place over a phone call, during which the agent assured me that my interest rate would be reduced and any late payment charges would be waived. To set up automatic payments, I provided my bank account number and went through multiple verification steps. The call was recorded for customer service purposes, and before ending the call, the agent confirmed that everything was set up correctly. 

However, on XX/XX/XXXX, I received a letter stating that I had not met the payment requirements. Troubled by this, I promptly contacted the bank and was informed that they would investigate the matter and get back to me. Unfortunately, I haven't received any communication from XXXX XXXX  since then. In the meantime, they reported the late payment to the credit bureau, causing significant damage to my credit score. Despite making multiple calls since XXXX, both XXXX XXXX  and the credit bureau have failed to assist me, exacerbating the negative impact on my credit. 

I respectfully request that XXXX XXXX provide me with a copy of the recorded phone call as evidence of our agreement regarding enrollment in the hardship program. Furthermore, I request that they take immediate action to remove the late payment from my account, as it was a direct result of their failure to fulfill their promises. I also urge the bank to discharge any accrued interest rate charges and late payment fees, considering this situation as a failure of their service. It is my sincere hope that XXXX XXXX will rectify this matter promptly and restore my credit to its rightful state. 

Furthermore, I would like to emphasize that the bank 's actions have caused significant stress and hardship in my life. By reporting the late payment to the credit bureau, my credit has been severely damaged, resulting in the inability to obtain loans or credit when needed. It is crucial for XXXX XXXX to acknowledge the negative consequences their actions have had on my financial well-being and take appropriate measures to rectify the situation promptly. 

Thank you for your understanding and assistance in conveying this message to the relevant parties. If there is any further information I can provide, please let me know.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Hello, I got an alert in XXXX around owning a first installment for an XXXX Account. I have never ever applied for the account or shopped at XXXX in the amount of XXXX. I got an email that I was approved for XXXX. When I reached out to XXXX, the only message I got was you open the account and now you have to pay it. I sent an email to them with all my information to confirm my identify and asked what information was used for credit line approval. Now my fraudulent affirmed account is impacting my credit due to it being 60 days late. In principle, I could probably pay this but my concern is this could potentially happening to other people. It would be great to understand from XXXX  what was used for approval so I can make sure I lock down those identity markers to stop this from happening. Also, what was brought and where was it shipped so I can see where the fraudsters are. I am hoping you can help with this.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

On XX/XX/XXXX I reported a series of fraudulent transactions that emptied my accounts on chime. These are the claim ID 's I was given : XXXX and XXXX. The claim ID XXXX was for charges totaling {$6600.00}. Claim ID XXXX is for charges totaling {$2500.00}. This was literally all of the money I had. Essential funds I needed to live on while pursuing my XXXX XXXX XXXX XXXX Money from student loans and personal savings needed to just stay alive and eat , drive my car places, etc. 

Claim ID XXXX was found to be in my favor On XXXX XXXX over 4 months after I originally reported this claim. I reported these charges over and over again for months and fought and fought and out of nowhere on XX/XX/XXXX they finally find it in my favor after denying me EVERY time on the SAME exact date I'd report it and re-open the claim since XX/XX/XXXX. It took them over 124 days to return my money. The pain and sufferring that occurred between filing the claim to XX/XX/XXXX was MUCH greater. I had to max out credit cards, let interest accrue, borrow money from friends and family and pay them interest, and STILL am in debt to credit cards and other people because I had to borrow this money. When they emailed me on XX/XX/XXXX, and returned the funds on that same day, I noticed they also CHANGED the " date reported '' for these charges to XX/XX/XXXX. They are LYING. You can see in the attachments below the charges and amount and date reported, then the new email with the charrges and same amount with the date reported changed. I reported these charges XX/XX/XXXX, and on top of that NO NEW INFORMATION was sent to them by me. The entire time, they claimed they investigated and reinvestigated every time when really, they were provided NOTHING by that merchant and never even reached out to them. I am owed well over this {$6600.00} they returned for the sufferring I've been through and continue to go through. I expect at a minimum of {$10000.00} as a fine to Chime to pay to me so I can cover my interest and debts accrued over the last XXXX months, this is absolutely unacceptable. 

In addition, the same action has still not been applied to Claim XXXX, all charges from the EXACT SAME merchant on the EXACT SAME date reported on the EXACT SAME date as well of XX/XX/XXXX. I expect this total of {$2500.00} to also be returned to my account ASAP along with interest and fines to be paid to me promptly ; I have been a victim of electronic funds transfer fraud committed by Chime as well as records falsification with Chime clearly changing the dates on when these fraudulent charges were originally reported.
Consumer complaint received 2017-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (PA)

My car note was recently acquired by  Flagship Credit Acceptance  from  XXXX   XXXX . As I 've done with  XXXX   XXXX , I set up auto pay for my loan, over paying weekly in excess of the monthly payment. Everyday, EVERY SINGLE DAY, no less  than 6-8 ( SIX TO EIGHT! ) times a day, Flagship calls to collect  money I do not owe! Flagship sends me emails weekly to acknowledge the deductions yet they harass my family and me by endlessly calling our home phone as well as my cell. I 've attempted to block these harassing calls but they keep calling from different numbers ; either a  XXXX ,  XXXX ,  XXXX  or  XXXX . This has to stop! I AM NOT BEHIND IN MY PAYMENTS! As a matter of fact, I am OVERPAID.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

I disputed an account on my credit file and was advised that the item will be removed. However when I pulled a new report the item is still showing. I have made XXXX calls and spend over XXXX hours on the telephone with Equifax. I have had a number of problems with this credit reporting agency. I feel that they are using tactics to intentionally cause my score to be low. The item that is in dispute is the XXXX XXXX / XXXX XXXX for {$4200.00}.
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

I paid into my escrow account monthly so that my Home Owner 's Insurance would be paid " hassle free '' every year by my mortgage company. 
On XX/XX/XXXX BSI Financial wrote and mailed a check to XXXX XXXX XXXXXXXX XXXX for XXXX. I assumed the check paid the annual premium and all would be well. 
I checked my Escrow balance and the XXXX had indeed been deducted, so again, I reasoned that the Insurance Premium had been paid. 
XX/XX/XXXX, I received a notice of non payment from XXXX. So, I called BSI who said the check had accidentally been sent to the wrong department, but would be reissued promptly. 
XX/XX/XXXX, I received another notice of non payment from XXXX. Again I called BSI who assured me the check was on the way. 
XXXX agreed to keep the policy active while waiting for the check. 
BSI kept insisting the check had been cashed. I asked for a front and back copy of the cashed check to provide to XXXX ( this request was initially denied ) Inevitably, XX/XX/XXXX my insurance agent informed me that my homeowner 's insurance policy had been cancelled due to nonpayment. 
I called BSI Financial who provided a check # XXXX showing that the check was paid. The ball pings back to XXXX. I call XXXX and provide the check details and the front and back check copy. XXXX informs me that they never received the check. XXXX 's endorsement stamp is not signed on the back of the check. Someone wrote their name on the back of the check. So the ball pings back to BSI. I called and asked BSI to investigate who's bank account the funds went to and to please help me recover the missing funds. ( Obviously, I did not write a personal check, so I have no authority to call BSI 's bank and report a fraudulent check and request the funds to be recovered. ) BSI insists that XXXX is responsible because BSI mailed the check to XXXX. XXXX XXXX, also points out that the check has no notes in the memo section to include a policy number or policy holder name. The check looks very shady. XXXX insists they never received, much less cashed, the check. Now, BSI has the responsibility to follow up and ask the bank to recover the funds if the check was fraudulently cashed. I am stuck in the middle. I now have $ XXXX missing from my escrow account and a cancelled home owner 's insurance policy.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I got an alert that XXXX was being deducted from my bank account by XXXX XXXX I did NOT authorize this transaction! I called chime immediately and told them XXXX somehow stolen my bank card information and updated it into their database, then proceeded to make an unauthorized transaction from my account. I also emailed chime alerting them of this as well. Yet my money is still not back in my account why do I have to fight for MY MONEY? I worked for my money! If I'm telling my bank that the transaction was unauthorized why do I got ta prove that it was unauthorized clearly I do Not dispute every single transaction that I make but with this particular transaction I am disputing it because my banking information was compromised and funds stolen out of my account due to an illegal unauthorized transaction. Yet chime still allowed my money to be stolen illegally.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

i have XXXX hard inquires with equifax that does not belongs to me i have tried to contact equifax but they keep giving me the run around about these inquires the inquiries are : XXXX XXXX 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 2023-04-19
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: Experian Information Solutions Inc. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. l received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX : XX/XX/2021 Please remove it from my credit report. 
4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Consumer complaint received 2023-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (FL)

I originally had my loan with XXXX XXXX and never had any issues. My Loan was then transferred to XXXXXXXX XXXX  and this is where the problems started. They raised the amount of my loan and never told me. However, I was still making my payments, as I regularly would have, but they were not applying them. Then I applied for a Modification, once I found out that they had raised my payments, I had this approved and then they sold my loan to RightPath Servicing ( Mr Cooper ). The modification was still intact and I made my payments straight from my bank. RightPath ( Mr Cooper ) never applied these payments and has now cancelled my modification and I am in jeopardy of foreclosure. I have copies of where these payments were sent, I have tried to reach out to the person that has been handling my account, since we had scheduled meetings via phone call, but she ignores me every time.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (LA)

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 8 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX, acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX. 

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 account without my written instructions.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

This is dating back XXXX when my home went to foreclosure since then I have attempted to modify my mortgage. Here we are in XXXX and still in this process I have exhausted all my options. Even though back in XXXX I was granted a trial modification that was approved and was instructed to pay for 3 months consecutively and my payments would become permanent. Well that did not happen, file bankruptcy based on counsel to see if modification would be approved and that did not happen. I would like to know do I have a legal right to pursue legal action and sue? Based on the financial institution accepting the assistance from the government/and violating DODD FRANK and HAMP PROGRAMS and not complying and actual assisting the consumers, because I am pretty sure I am not the only one in this situation. I spent thousands of dollars through this ordeal with attorneys where I could have been in a modification program to keep my home. In addition I accepted a short sale and to date two offers have been presented and bank has not responded. I am filing this complaint and will pursue them to the fullest,
Consumer complaint received 2017-03-30
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MI)

more then 2 or 3 years ago I did a online payday loan and paid it off right away, now within the last year I have some one e-mailing me asking for payment not sure if its for the same one or something different they wont give me any info about it I have not received any loan from them since I paid the other off. 
main creditor is ACE CASH
Consumer complaint received 2017-04-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has fraudulently, illegally collected thousands of dollars in overdraft fees from my account as part of their " Overdraft Protection Service, '' despite me sending multiple letters to their corporate offices via certified mail making clear in extreme detail that I did not want the service, was extremely dissatisfied with the service, thought their marketing of the service was unethical, and that I wanted a refund. After agreeing to refund {$500.00} " as a courtesy ( despite having taken {$6000.00} in the past 24 months alone ), Chase CONTINUED to assess fees are refused to turn off the service. I again mailed them and they responded, and again refused to turn off the service, which they claim is optional. Furthermore, they have no stated that they will not even discuss the issue with me further, and they are STILL COLLECTING FEES. It 's unbelievable that the bank has such flagrant disregard for their customers. I 've told them repeatedly I do not want an " optional '' service - yet they refuse to remove it - and have collected thousands upon thousands of dollars as a result.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO. (NY)

Ford has failed to validate the debt and address the multiple discrepancies in their lease agreement. They have disguised a consumer credit contract as a lease agreement and have not specified whether this loan was a purchase money loan or a financed sale as per TILA and Regulation Z requirements.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

I contacted Experian during the month of XX/XX/XXXX regarding information showing XXXX late payments ( XXXX ), and XXXX missed payments with XXXX. The XXXX contacted me on XX/XX/XXXX and communicated that the information being reported by Experian is not correct. Today, when I viewed my credit reports is states that, under " Payment History '' that there are XXXX late payments. However, when I click on the late payment icon it states that " Experian has not negative accounts on file or you as XXXX ''. However, this is inconsistent with the statement of " XXXX late payments '' on the dash board. Also when I click on what 's affecting my score it states the following : 1 ) XXXX no payments and XXXX late payment. This incorrect and inconsistent information is negatively impacting by ability to secure credit at a fair rate. This week, XX/XX/XXXX and XX/XX/XXXX, I contacted Experian 5 times and each time I was transferred to another dept, and at this time the issue is still unresolved. How can an organization be allowed to report inaccurate information that will have a negative impact on people lives.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CT)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I been trying to log in and pay bill online but my account is not on file i get asked to call fraud department to verify my identity. When i try to verify my identity or to make payment over the phone I get disconnected by their automation or say they will call back. Now I'm being cjarge XXXX $ of late fees. This is the goodyear credit card
Consumer complaint received 2018-05-08
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: CarFinance Capital LLC, Irvine, CA Branch (CA)

When l checked my XXXX  credit report, l noticed that an unknown inquiry was made by CARFINANCE CAPITAL LLC on XX/XX/2017 which l have no idea about it.