davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo (IL)

Kovo Credit reported on my XXXX credit report as if the account I opened with them was a collection and I settled for less than what they lent me PLEASE SEE ATTACHED ). Based on Kovo credit website, it is a credit builder company. That have a monthly service for some sort of downloadable books or pdf 's. Nowhere on their website does it says you can cancel and if you cancel you will be penalized. I have attached screenshots from their website and the only email screenshots that I have. Nothing mentions any sort of cancellation repercussion. I signed up for their membership ( NO CONTRACT ) on XX/XX/XXXX and made the first payment, I made another auto payment from my account on XX/XX/XXXX, and on XX/XX/XXXX I sent them a cancellation email. On XX/XX/XXXX they responded to the email and acknowledged they cancelled my account per request and will be sending me my money back ( SEE ATTACHED ). 

Under no circumstances did I get any credit from them or services from them, for them to inaccurately flag my report as " Settled Account '' and report it negatively. THIS IS MISREPORTING. THIS MISREPORTING CAUSED MY CREDIT SCORE TO SIGNIFICANTLY DROP.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (PA)

Chime has denied me any sort of refunds of money that was transferred from my account to XXXX XXXX. I went back and forth with XXXX XXXX and chime for months. XXXX XXXX  sent the XXXX dollars back to chime to deposit to my account and they refused saying that it was XXXX XXXX that wasn't giving me back my money. I asked for statements and my statements were inaccurate. Spoke to multiple representatives and was assured i was going to get it. That was in XXXX of XXXX. I now currently have an issue where my wallet was stolen and now XXXX is missing from my account and i have disputes this XXXX times already and again keep getting assured that im eligible for provisional credit and im going to get my money back but this has been for over a month now. I lost my vehicle due to non payment and have now lost my job and home. I have documentation of Supervisors and Reps and call logs that i have talked to on theses matters that i can provide. I was also never notified by mail or otherwise about a lawsuit with chime taking place. I have been with chime since XXXX and all i want is my money back and to close this account for good. That doesnt include literally almost every dispute i have ever filed was denied. This company scams and takes money from you and doesnt care if you want it back.
Consumer complaint received 2024-07-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Yes, I have multiple inquiries. Thats on my credit report that does not even belong to me that I did not make it when I try to dispute it with the credit bureau. They denied it and kept sending it back to my credit report. I told them it was not mine and I let them know And no outcome
Consumer complaint received 2024-07-04
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: PENNYMAC LOAN SERVICES, LLC. (DC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

I reached out to dispute payments I made to a unlicensed contractor who scammed me into making payments before he was done. I paid through venmos buyers protection policy. I learned that the contractor was not at all attempting to complet the work but instead was using my vacant home as a hotel. Items that Id had there were stolen and sold, as well as damaging multiple items in my home. I disputed the payments made to the contractor on XX/XX/XXXX. I provided pictures of an attempt to paint a ceiling which he did not but instead started to paint and over sprayed the ceiling fans instead and then did not complete. I also included other areas where he should have painted but clearly was not painted. After this the seller was given time to respond. On XX/XX/XXXX Venmo responded that the dispute was denied. I then immediately requested that the information used in the decision be provided to me. Instead they reiterated that the dispute was denied. I then submitted two support tickets : ID : XXXX and XXXX asking again for the documentation. They stated it was denied due to : " This decision was made because if an item is materially similar to the seller 's description, we do not consider it to be significantly not as described. '' whereas there was nothing materially similar about what we agreed to before and what he attempted. This person scammed me for as if they were a licensed contractor instead did not provide any of the services and I should be given a refund for payments made to him under fraud.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

DITECH MORTGAGE AKA XXXXXXXX MORTGAGE CONTINUES TO AGRESSIVELY AND IN A VERY HARASSING MANOR TO ATTEMPT TO COLLECT A DEBT ON THE MORTGAGE BACK FROM 8 YEARS AGO THAT WAS SETTLED THROUGH A SHORT SALE. THEY KEEP REPORTING A FULL BALANCE ON CREDIT REPORT RUINING CREDIT REPORT AND CAUSING A GREAT FINANCIAL DISTRESS TO ME AND MY FAMILY. THIS NEEDS TO STOP IMMEDIATELY!!! 
Name : DITECH FINANCIAL LLC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Past Due : {$55000.00} Acct Status : 120+ DAYS PAST DUE Hide Details GREEN TREE XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : 120+ DAYS PAST DUE Account Owner : Joint Account High Credit : {$120000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$55000.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$710.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 70 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency : XX/XX/XXXX
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX, I unfroze my credit report so that a mortgage company, XXXX XXXX XXXX, could submit a credit report request. I unfroze it for 2 days as the mortgage company said they would only need one day to submit the request. 

The next day, the mortgage company reported to me that the Experian was still reporting that my credit was frozen. I called the Experian to verify that my credit report was unfrozen. They asked me a number of questions to verify who I was and then told me that I would have to submit a request in writing since I had failed to answer the questions correctly. They refused to tell me which questions I had answered incorrectly or give me any guidance on how I was supposed to answer the questions. I later found out from contacts with XXXX that I had to give exact amounts in dollars and cents when I was asked for amounts of a bank loan, credit card balance, etc ... Again, this was not explained to me by the Experian representative. 

Since I could not get a letter to Experian before the temporary credit unlock closed, I waited until after my credit report was locked and submitted a new request to unlock my credit report from XX/XX/19 to XX/XX/19 as the mortgage company told me that they would have to submit a second credit report right before closing and I didn't want to go through any last minute issues with the Experian just before closing. Again, I received notification from Experian that my credit report had been unfrozen and, again, the mortgage company reported that the credit report was still locked. I tried calling Experian again but this time, after I put in my SSN, I received a pre-recorded notice that I had to submit my request in writing including my SSN, personal PIN, addresses for the last two years, DOB, a photo copy of my drivers license, and utility bills or bank statements addressed to my current address, and my two last bank or utility statements. I was also informed that Experian would not respond back to my mail request " for security reasons ''. 

Since I am trying to find out why they are not unfreezing my credit report as they reported they had, their lack of response to my letter is completely unacceptable. How am I supposed to know if they have fixed the issue or not? When am I supposed to tell the mortgage company to try again?
Consumer complaint received 2024-07-04
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: RFNA, LP (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-04
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: HSBC NORTH AMERICA HOLDINGS INC. (MD)

XX/XX/year> Dear CFPB, I am writing to file a complaint regarding a charge-off reported on my credit report by HSBC Bank USA , associated with account number [ XXXX ]. 


Despite consistently making payments towards this debt, I was unable to bring the account current, leading to it being charged off. While the charge-off itself is accurate, the reporting does not reflect the efforts I made to settle the debt during a financially challenging period. 

This charge-off has severely impacted my credit score and has disrupted my ability to : 1. Secure a XXXX loan to finance my XXXX XXXX XXXX 
XXXX. Secure approval for grants from the Small Business Administration ( SBA ), for a business I am trying to establish. 

- I have contacted HSBC Bank USA, multiple times to request a reevaluation of my case and a possible goodwill adjustment due to my consistent payment efforts. Despite my efforts, my requests have been denied. 
- I have reviewed my credit report for any inaccuracies and confirmed that the information, while accurate, does not reflect the context of my payments and financial hardship. During my payment agreement prior to the charge off, I continued to make payments with the intent to pay until my financial situation improved. However, due to the severity of my financial situation I was unable to participate in a formal payment agreement. 

I have attached the following documents to support my complaint : 1. Correspondence from HSBC stating to change my credit report to settled in full for less than the balance owed.

2. Correspondence of my payment of {$700.00}, with text paid in full as agreed.

3. Relevant sections of my credit report highlighting the charge-off. 

XXXX XXXX XXXX Desired Resolution : I respectfully request that the CFPB assist in resolving this issue by : XXXX. Encouraging HSBC Bank USA to reconsider my case and remove the charge-off from my credit report as a gesture of goodwill, given the efforts I made to pay down the debt. 
2. Ensuring that my financial hardship and consistent payment efforts are considered in the reporting of this debt.

Thank you for your attention to this matter. I am hopeful that with the CFPB 's intervention, a fair resolution can be reached that accurately reflects my financial efforts and alleviates the undue impact on my creditworthiness. 

Sincerely,
Consumer complaint received 2024-07-04
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: WELLS FARGO & COMPANY (MD)

I am writing to bring to your attention the issue of unauthorized hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act, any hard inquiries that were made without my request are eligible for removal from my credit report. 

I kindly request your prompt assistance in removing this unauthorized hard inquiry to restore the accuracy and integrity of my credit report. Your cooperation in resolving this matter expediently would be greatly appreciated.
Consumer complaint received 2023-05-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

A check for XXXX and XXXX Mortgage payments was sent from XXXX to Colorado Housing and Financing XXXX in plenty of time to be credited to my account and to avoid any late fees, I have verified that it was sent, to and tried to contact XXXX to tell them it was paid, person who finally answered the phone explained the benefits of automatic withdrawal so my payments won't be late anymore, after trying again to explain that it was paid already and that taking the money from my account is not going to solve my problem I got frustrated and hung up. 

I need to start charging XXXX for my time trying to straighten out their constant issues with my mortgage and treating me without any kind of respect, all the fees you have charged me should really be refunded to my account as I still say that nothing that has gone on with my mortgage as been my fault, going back as far as XXXX forgetting to pay my insurance from my escrow and then charging me for a foreclosure for over 2 years while you tried to say it was my fault, and your other illegal activites, including double accounting, and your constant lies- which I have in writing since I usually cant talk to anyone about my issues maybe you could assign a person to my account, who's willing to answer their phone, and would be aware of what has gone on with my account, and would talk to me when I have issues, and I could work with them to avoid pulling my hair out every month. 

A mortgage loan is not supposed to be this difficult.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (MN)

I opened an account with Chime a few days ago and transferred some money into the account. Then I realized I needed to transfer that money somewhere else, so I tried to transfer it back out of my account via the Chime app. 

The app disallowed the transfer, saying " Oops - Before you can complete this transfer, you'll need to activate your Chime card. '' I talked to their customer support, and they confirmed that although the account 's virtual card was already active, their software would not allow me to transfer money until I activated my physical card. That card is still in the mail, so I have no way to transfer the money out of the account as of today. 

Their customer support could not provide a reason why this transfer restriction is in place. I don't believe this policy benefits the consumer. 

While Chime 's terms of service do mention a few restrictions on new accounts that haven't activated their card yet ( Section I. C. 13. of their Deposit Agreement ), it does not mention this particular restriction on transfers. 

I believe that this restriction on transfers is not permitted, and Chime should be liable under 15 US Code 1693h for any damages that a consumer suffers as a result of Chime 's failure to initiate one of these transfers.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I have disputed with the credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that the information that they are reporting is inaccurate. They have yet to fix the issue. I then contacted XXXX myself to get proof that they had sent the credit bureau the correct information. They informed me that on XX/XX/XXXX they reported to the credit bureau that my loans are ingood standing. Unfortunately the credit bureau is still reporting that I had late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (CA)

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the following inaccurate information on my credit report. The items listed below are incorrect and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

The disputed items are as follows : - Late Payments : 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  : ALDOUS & ASSOCIATES According to the FCRA, the following sections have been violated : 1. **15 U.S.C 1681 Section 602** : This section states that I have the right to privacy. The inclusion of the above-mentioned items on my credit report is a direct violation of my privacy rights.

2. **15 U.S.C 1681 Section 604 ( a ) ( 2 ) ** : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not provided written instructions for the reporting of these items. 

3. **15 U.S.C 1666b** : Under this section, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. The late payments listed on my report are therefore incorrect and should be removed immediately. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC (TX)

I had a spending account with dave that i use frequently. I had roughly XXXX dollars in it i needed until payday ( over a week from now ) i have no other funds and without notice they closed the account and i do not have access to my funds.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OR)

Experian somehow deleted missing address that was listed on my credit file last yr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is causing me harm from accounts being reported on my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC (NY)

I dont know the exact date I called but I called the debt collection company gave them the case number that I keep receiving on emails and didnt tell them anything besides the case number and for them to send me a validation letter, I completely ignored everything else they asked me nor did I answer
Consumer complaint received 2023-12-20
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: SYNCHRONY FINANCIAL (MD)

Subject : CFPB Case XXXX XXXX Credit Account Number Ending in XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You stated that this account was properly investigated and you are currently reporting accurate information. HOW SO IF... 

Date of Last Activity is reported inaccurately XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 Date Of Last Payment is reported inaccurately. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 This is grounds for removal. 

1

5 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. 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer 15 USC 1681e
( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Delete this account
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (OH)

While looking into a recent identity theft issue I noticed a Discover account with roughly {$4000.00} in debt, I have never owned or opened any account or had service from Discover whatsoever, this debt is not mine and it has stopped me from getting a credit card from anyone or any type of of financial support.