davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Online BOA credit card said something was wrong with my credit card account and to call them. I did XX/XX/2023 and because I dont have a cell phone and can not receive text verifying I had to go into XXXXXXXX XXXX XXXXXXXX to be verified on XXXX XXXX I went in was verified and the banker called the XXXX XXXX and I told her my account had been taken over and these criminals at XXXX XXXX XXXX XXXX XXXX XXXX XXXX had changed my address to theirs and my email and phone number to theirs. It's then that i verified my charges all to XXXX and XXXX which came to XXXX which I paid off in full XX/XX/2023. The fraudulent charges were all in their homestate XXXX. She said she would close my account and send me a new card but I never received it. It was sent to the crooks in XXXX. This is after I went through my correct address phone number and email. I thought it was all settled after I gave them this information and told them this was account take over fraud. I was frozen out of my account and the past XXXX XXXX I have not been able to get back on check their messages etc. I called XXXX XXXX again XX/XX/XXXX when I received an email statement Of XXXX aprox which were the fraudulent charges from my original account and the one that was sent to the criminals. Today XX/XX/XXXX I got an email statement of XXXX I called fraud got a new claim started with my information
Consumer complaint received 2023-10-19
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. (TX)

I recently reviewed my credit report and found a number of inaccuracies, including unauthorized inquiries and accounts with creditors and lenders that I have never done business with. I disputed the inaccurate information with Experian, XXXX, and XXXX, but I have not received any feedback from them despite it having been over 30 days since I sent them letters requesting investigations.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

My issue is with equifax. Months ago when I decided to look at my credit through the 3 credit reporting agencys. Equifax was not able to show my credit score of report. Through their online platform it was showing unavailable and I was also showing a BLNK error. I was trying to get approved for purchases through 3rd parties that needed to rein my report provided by equifax. So this turned into a major issue at no fault of my own. So I contacted equifax fo resolve the issue. After explaining my problem to the representative they told me I had do send a copy of my drivers license and a cover letter explaining the errors provided. So I sent them the information they requested and even purchased tracking on the delivery. When the package showed delivered. I called back and followed up over the next week. They kept saying they didnt have it yet when they did. The new representative also told me that I had to repeat the steps as if it was a new problem. I politely argued that I already sent this information and paid for it with tracking. They said they would escalate and look into it. I never got a return call or fix. Ive also disputed this over their platform. As of today on XX/XX/XXXX I am still having the same issue. No report information or score with a BLNK error code. Says to contact them again. I am trying to finance things I need in life and this is hindering me from making these purchases because lenders and third parties cant pull the reports they need. Whats weird about it is transUnion platform can pull all 3 reports. Experian cant even update because it is also telling me its unable to pull equifax information so it cant even finish getting XXXX report either. Nothing has updated past XXXX because of this. Please help me.
Consumer complaint received 2023-10-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC (MI)

I called in to resume payments to my loan, after receiving the MIHAF funds. The agent suggested that I applied for a partial claim. The application was submitted for the partial claim and denied. I was then advised to submit the loan modification application. I submitted the application with all of the required documentation. I have called in multiple times, requesting a supervisor call back. A supervisor by the name of XXXX or something to that effect, called me back and advised that she would research the issue and follow up with me later on that day ( that was in XXXX ). I have been calling in every few weeks requesting a status update on my loan modification. i received a letter dated for XX/XX/23 that I was offered a loan modification and that I would receive the terms of the modification within 15 days. Those documents have not been received or sent as of today 's date. I am unable to make single monthly payments on my account because of the account delinquency. When I originally called in to resume my payments back in XXXX, I was eligible to make the monthly payments and setup an arrangement for the the past due amount. I am extremely frustrated and stressed because I do not know that status of this loan modification. I have been advised on multiple occasions that a member of their leadership team would follow up with me.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-04-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Flatonia Investments, LLC (MD)

on XX/XX/XXXX, we contacted a realtor about a new build spec home on XXXX XXXX XXXX XXXX XXXX XXXX, MD. 
The realtor was not the listing agent, we did tell her we were asking about this home. 
" XXXX, " called about the home on our behalf and was told it was a new build spec home and would be finished late XXXX. ( because XXXX took awhile to get the info to us and we didn't want the home to sell, we decided to go directly to the builder 's office ( big mistake, they work strictly for the builder, and don't work for the buyer ). 
XX/XX/XXXX, we contracted XXXX XXXX XXXX XXXXXXXX XXXX. '' We told XXXX we were interested in the home. We informed her that my husband, XXXX, was having major XXXX XXXXXXXX on XX/XX/XXXX and we are not looking to purchase anytime soon as he will be unable to move. We asked again " we understand the home won't be ready until late XXXX? '' XXXX confirmed this and said " You should be good, XXXX maybe even XXXX because of the rain and permits etc. '' We also asked XXXX to see if we can get any refund on the home price because we are not using a realtor and that alone is a lot of commission taken off the price of the home at 6 % the price. Weeks later after asking again, she quipped back " oh, there is a listing agent ( we never spoke to this woman or even know her name ) She will get the commission on the home, and ill get a little of that. '' We reiterated about XXXX XXXX XXXXXXXX and she again said the " home won't be ready until at least XXXX. '' " We still have to get things set w/the property, permits, and HOA approvals and allll this rain we've had has pushed things back. '' " If you're interested, lets see if we can get you approved. '' THE LOAN : We mentioned to XXXX that we want to stick w/our mortgage company " XXXX XXXX as we have our current home w/them and we had an excellent process w/them and no complaints '' Her response was " XXXX only likes to deal w/our lender, Envoy Mortgage. They know Maryland law and the closing is a lot smoother for him going w/Envoy. '' " going w/an outside lender slows the process and we will charge 1.5 % interest per day on the price of the home if the closing is delayed. " ( bullying the buyer?? ) " We give incentives, 30 % off extras and 2 points back at closing and there are no delays because they know Maryland laws. '' ( XXXXXXXX XXXX is # 2 in the nation and is a national mortgage company?? ). 
I ran out of room basically, we have been bullied into a loan we can not get out of. they have XXXX of ours. We want to go VA and now we can't please help us.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

I submitted a complaint letter about the actions of the collection agency, I.C. System, Inc, in regard to a debt claim against me in the amount of {$230.00}. I have no knowledge of any contractual agreement or transaction with I.C. System, Inc, and I have never received any services or goods from this company. Despite my request for verification of the debt in question, I have received no documentation or proof that substantiates this claim. Given the absence of any prior knowledge or dealings with this company, this situation raises serious concerns about the validity of their claim, and I am worried that I may be the target of a scam or fraudulent activity.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

I WAS IN NJ RECENTLY, AND TRIED TO USE MY PAYPAL WORLD MASTERCARD. MY ORIGINAL CREDIT LINE WAS {$1500.00}. MY BALANCE WAS UNDER {$1000.00} AT THE TIME I TRIED TO USE IT ( XX/XX/2024 ). I TRIED TO USE IT AGAIN ON XX/XX/2024. I COULD NOT. I CALLED PAYPAL CUSTOMER SERVOCE AND THEY TOLD ME THAT THEY LOWERED MY CREDIT LINE TO XXXX XXXXXXXX-JUST LIKE THAT. I HAVE BEEN MAKING CONSISTENT, ON TIME, AND AMOUNTS WAY ABOUT THE MINIMUM PAYMENT EACH MONTH SINCE OPENING IT-AND THEY STILL LOWERED IT-AND WITHOUT ANY ADVANCE WARNING.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I awoke on XX/XX/XXXX to find my checking account that I use to auto pay XXXX XXXX payment was overdrawn by over {$2700.00} dollars. I called XXXX immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to XXXX XXXX in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. XXXX then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in XXXX. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that XXXX had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to XXXX as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by XXXX.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

I have received several notices from Nelnet that my student loan account is past due, even though I have made two payments on time ; I have email confirmations from both payments, one made on XX/XX/XXXX, and the other on XX/XX/XXXX. I emailed them about this on XX/XX/XXXX and have so far received no response. I am currently on hold with their customer service department and have been for about an hour now ; everything I am reading from others who are trying to make payments on their loans confirms this. Nelnet is allowing interest to accrue on my loan while they aren't processing my payments. How can this be legal? They are a private business that made a contract with the federal government to handle my loans, and they are not handling them. They are not doing what they agreed to do.
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CHOICE CAPITAL FUND (CA)

XX/XX/XXXX received loan totaling {$870.00}. Principal {$540.00} Fees {$320.00} Payments started XX/XX/XXXX, they wanted {$350.00} but I couldnt afford it so this is how I was paying. XX/XX/XXXX {$170.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$120.00}, then XX/XX/XXXX I started having hardships so they said I could start paying {$50.00} so thats what I agreed to. 
They emailed me a payment plan of {$50.00} going into the year XXXX. This is when I started emailing questions and not getting no replys! I have been looking through all emails, and I remember they sent me a balance why before my hardships and it was like {$500.00} something.white this pmt plain its back to {$800.00} something! Am I crazy or just misunderstanding!!
Consumer complaint received 2023-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (PA)

Source receivable management along with XXXX XXXX trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX XXXX phone because it was an inside job with a dishonest XXXX worker Source receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX  which I did not. Source receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by source receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.
Consumer complaint received 2023-08-07
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. (NC)

My name is XXXX 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.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WA)

I had a Chase Reserve credit card with {$620.00} annual fees ( It is now downgraded to Chase freedom - no annual fee credit card due to how badly their customer service handled my request for info on why so much interest charged for a small underpayment ) and recently faced two problems.

1. I had the above card for several years and never missed a payment, always paid in full. In XXXX 2023, I was traveling and setup an estimated payment of {$3500.00} a week before due date and didn't notice some tail end charges that added up to {$3700.00}, so it was {$260.00} shy. For this miss, Chase charged an interest of {$56.00} within 2 months ( i.e {$330.00} per year ). This seems like predatory, loan shark kind of behavior. 

2. On their website, they boldly advertise " Complimentary Airport Lounge Access '' ( please see : XX/XX/XXXXXXXX ) and we paid the fees for that advertised benefit. On XX/XX/XXXX, when I tried to use this benefit, I was denied access to the empty lounge - they stated " it was reserved for VIP passengers ''. I asked Chase to compensate me for this experience ( expecting maybe a {$50.00} credit - typical lounge paid access cost ) but instead their customer service chose to point me to the fine print which I am sure is buried in there somewhere. So at this point, I am requesting a refund of the full {$620.00} paid in annual fees for this card for the last year - I was advertised a benefit that they were unable to provide when it mattered- and that is false advertising imho.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I have tried many times to get Comenity Bread to report the account as OPEN/NEVER LATE. The company continues to report the account as CLOSED on my XXXX and XXXX XXXX credit reports. This is not correct. THE ACCOUNT IS OPEN AND BEING USED EACH MONTH. I need them to report the correct status
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. 
My account was CLOSED for zero reason an no explanation given. Also i had a total of over XXXX $ from my tax return in there. 
I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member a while with verified account, an then this happens. 

believe when I verified my identity I put the wrong email an it triggered the system. I emailed them all the correct info including a selfie of me, since the first request was to prove my identity, an still nothing.
Consumer complaint received 2023-10-31
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I submitted a ftc report and dispute to XXXX, transunion, XXXX stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

NAME : XXXX XXXX CONSUMER XXXX D.O.B. :XX/XX/XXXXSSN : XXXX ID TYPE : DRIVER LICENSE ID NUMBER : XXXX ADDRESS : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  TEXAS XXXX EARLY WARNING SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Consumer Report. I have NEVER opened or used any of the following account numbers : BANK NAME : XXXX XXXX XXXX XXXXXXXX ( DATE OPEN XXXX ) ACCT # : XXXX ROUTING # XXXX BANK NAME :XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPEN : ) XXXX ACCT # XXXX ROUTING # XXXX BANK NAME : XXXX XXXXXXXX XXXX XXXX DATE OPEN ) : XXXX ACCT # XXXX ROUTING # XXXX I dont recognize the following accounts in question. I am a victim of identity theft, and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warning Consumer Report immediately. I attached a copy of the report to this request. 


Warm Regards,