davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

For Dell Comenity Bank Hello and thank you for helping out I wanted to please reach out because I contacted Dell Comenity bank and havent had any feedback or anyone contact me with an update regarding my case On XX/XX/2024 I made XXXX purchases, each for : {$820.00} The package was promised to have been delivered the XXXX or XXXX however it arrived the XXXX at someone elses house in the photos provided I reached out to Dell and Comenity bank but the transaction still show on my account and with a bill due XX/XX/XXXX, its effecting my minimum due
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024 I received a package from a company called " XXXX  '' with a cell phone inside. I have no knowledge of ordering this phone or paying for any activation of such. The email I received had a customer service phone number for me to call If I noticed something wrong about the shipment. I decided to look-up the company on the website and call this number instead. The company confirmed that the number listed on the email sent to me was not associated with " XXXX  ''. " XXXX  '' also informed me there was an account created and opened in my name on XX/XX/2024. They have flagged the account and sent all of the data used to open this account to their fraud department. They will also ship me a return label to return the device. I also asked about the credit card that was used in the transaction because it not a card that I have no knowledge of. The rep informed me that the credit card used has my name and my home address as the contact information. The contact number on the shipping label does has never been associated with me.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

My credit report is stating paid in full for less. I have a letter dated XX/XX/15 which says the entire debt was forgiven. This company has continuously reporting incorrect information. I want all trade lines deleted because they are in violation of FCRA.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (MD)

I had XXXX contact me by mail via a debt collector, about a debt from XX/XX/XXXX, back in XX/XX/XXXX. I  refused to pay the debt because I do not owe it. XXXX bill you a month ahead of time. So the last bill that they send you is the bill for the following month. so they resulted to dealing with it through a debt collector. The previous debt collector kept sending me bills in XX/XX/XXXX.That debt collector was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX XXXX. I disregarded them since I didn't owe the debt. I didn't here anything for a year or so. then on XX/XX/XXXX of this month I received a notice on my account with XXXX XXXX service I have with XXXX that XXXX requested to close the consumer account on my credit record. Then I started receiving phone calls and bills from a debt collector. The name of the company is named EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX. I informed them that I didn't owed the bill and I wasn't paying it. So on XX/XX/XXXX the file a report with the credit agency XXXX. I'm not sure whether thy filed with the other credit bureaus. But anyway the reason for my complaint is that this company is ruining my credit record by filing the report every week. They file the same report for the same bill, three times in three weeks. They filed the same debt on my credit record on the dates of, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of this year, XX/XX/XXXX. They also informed me that they are going to continue to file this same report on my credit record every week until the bill is paid. Which will means that my credit will ultimately be ruined, over a bill I don't owe. I don't now what else to do!!! Is this legal? Are they allowed to do this? What can I do? Please help!!! Can they do this, file the same bill more than once on my credit report? Below is attachment of the credit record : Credit Report Alerts XXXX Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} Updated tradeline XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX Account closed at consumers request $ USD XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX currently known as XXXX is reporting falsely on my credit report. They do not fix the error I have paid them ontime and they report 30 days late to the credit report Im requesting for this error to get fixed as soon as possible Account number XXXX
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CrossCountry Mortgage LLC (AZ)

They cancelled our first mortgage assistance request saying we didn't submit documents back in a timely manner. Everything that was requested when I received was submitted ASAP so that we didn't delay the process. I finally resubmitted our package and gave them all the docs they initially requested for but now they are saying it could take up to 30 days. We don't have 30 days before our mortgage goes delinquent. We just need some help and time to get back on our feet. I am starting a new job and my husband picked up a part time job to keep us afloat but if we can please get some help so we don't go into default, that would be greatly appreciated.
Consumer complaint received 2023-11-13
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. (GA)

Between XX/XX/2023 and XX/XX/2023 Trans Union has reinserted an account transaction from XXXX XXXX XXXX on my credit report. The company has failed to provide certifiable proof that the account information is accurate. 

I have first hand knowledge that I never gave XXXX XXXX XXXX nor Trans Union any authority nor written consent to furnish or report my identifying information.

The company 's actions are negligent and is causing me and my family harm.

I am exercising my rights under the FCRA to request a reasonable reinvestigation. If Trans Union can not verify that the account transaction is not inaccurate, the transaction must be promptly deleted from my credit report and file within 15 days.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND TRTANSUNION AND XXXX CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS XXXX AND TRANSUNION AND XXXX CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

My complaint is regarding PNC Bank access to linking to third party apps via the XXXX service. Theyre one of the top banks listed but for some reason, they only allow themselves to be linked to specific apps, despite many third party apps supporting XXXX and giving the option to link PNC. Some apps go through without a hitch and others fail every time whether their two factor authentication is enabled or not. This needs to be corrected and I almost guarantee its all dependent on who pays PNC to allow it. In this specific case, the app is XXXX but I also had the same issues linking to XXXX while no issues at all with the XXXX app.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

XXXX XXXX XXXX Hereinafter referred as consumer or affiant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX NISSAN MOTOR ACCEPTANCE CORPORATION FULFILLMENT DEPARTMENT ATTN : XXXX XXXX, XXXX Hereinafter referred to as you, your, your company or affiliates XXXX XXXX XXXX XXXX, TX XXXX CC : REGISTERED AGENT C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX : ADVERSE ACTION Dear NISSAN MOTOR ACCEPTANCE CORPORATION FULFILLMENT DEPARTMENT , I , the consumer and natural person, was denied credit by NISSAN MOTOR ACCEPTANCE CORPORATION , when I applied for a extension of credit for a vehicle. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. 

You are subject to criminally liability for violating 15 U.S.C. 1961 as I have proof that I was discriminated against by NISSAN MOTOR ACCEPTANCE CORPORATION due to the response that I received. 

NISSAN MOTOR ACCEPTANCE CORPORATION is in violation of 15 U.S.C. 1681m and 12 C.F.R. 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used, and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NISSAN MOTOR ACCEPTANCE CORPORATION.

If NISSAN MOTOR ACCEPTANCE CORPORATION fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make NISSAN MOTOR ACCEPTANCE CORPORATION criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I will also follow up with and invoice for said violations of ( {$5000.00} ) per violation. 

Thank you, XXXX XXXX XXXXXXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Rights Reserved
Consumer complaint received 2023-11-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: RoundPoint Mortgage Servicing LLC (GA)

For two weeks now I have been trying to get a payoff document from my mortgage company so that I may sell and close on my house. I have contacted them by email and submitted a request over the phone, but have not been able to talk to a live person. I am number 52 in line as of this complaint. I am running out of time for the closing and can not get a response.
Consumer complaint received 2023-05-09
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: JPMORGAN CHASE & CO. (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I have been a home owner for the last 4 years and I have ALWAYS paid my mortgage payments on time and I have NEVER missed the payment deadlines. 

As always, on XX/XX/2018, i went to 'Freedom Mortgage ' website and I made my payment by entering my name and my bank routing number and checking account number. I hit confirm and the system took me to the next page and said 'Your Payment Is Scheduled ' and it also provided me a confirmation number for the payment. This clearly seemed like the payment process was completed as the system itself confirmed it with a confirmation number. 

However, on XX/XX/2018, i received a call from Freedom Mortgage informing me that the payment was not successful due to technical issues and they asked me to provide my bank routing and account number again, which i did and completed the payment for XX/XX/2018. I asked them what the technical issue was but they were not able to explain me the exact reasons for the payment not going through. 

Freedom mortgage has technical issues with their systems as it confirmed to me that the payment went through but now they blame me for being late. 

I am in no way responsible for this late payment as I duly made my payment and their system provided me a confirmation number as well. I have never been late with my mortgage payments in my entire life. 

I have now been reported to Credit Bureaus as late causing my credit to fall by about 80 points, for ABSOLUTELY NO FAULT OF MINE. 

I request you to kindly investigate this matter and order Freedom Mortgage to fix my XX/XX/2018 payment issue and have them work with the credit bureaus to correct my XX/XX/2018 payment as NOT late. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (PA)

I had applied for a new SAVE plan over 60 days ago on XX/XX/23 before the payments were supposed to resume. They placed my account into forbearance pending " administrative form. '' My SAVE plan was marked as approved on studentaid.gov and my payment amount was calculated as $ XXXX. I recently received an email stating that my new payment was {$140.00} and for the PAYE plan which is obviously wrong. I have emailed them 5+ times and attempted to contact them via chat and call. My new due date is XX/XX/23 and they have taken me out of forbearance.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (GA)

When I realized I used money in my acct that was for a bill I checked the acct on XX/XX/XXXX ( Mon ). The check wasnt posted and my balance was {$2.00}. I rushed to the atm and deposited {$160.00} cash. The receipt shows my cash deposit and the available bal being {$160.00}. 
On XX/XX/XXXX I checked acct and balance was {$2.00} and the checked cleared. On XX/XX/XXXX I checked my acct and balance showed {$160.00} and showed the check cleared on XX/XX/XXXX then returned on XXXX and my cash deposit was posted in XX/XX/XXXX. What? 
In last month they have had problems with notifications being sent 1-2 days after the transactions. XXXX at Regions Bank told me theres a glitch in the system and my check was already in process. That doesnt sound right my cash deposit was posted on XXXX and my check posted on XXXX ( according to them ). Wrong- it was in reverse. I have a receipt showing the truth. Now the check for my water bill bounced and they will never allow me to write a check to them again. Please help.
Consumer complaint received 2023-09-12
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

DPT ED/XXXX XXXX Balance Owed : {$10000.00} ; DPT ED/XXXX XXXX Balance Owed : {$24000.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; DPT ED/XXXX XXXX Balance Owed : {$2000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT ED/XXXX XXXX Balance Owed : {$3500.00} ; DPT ED/XXXX XXXX Balance Owed : {$6800.00} ; DPT ED/XXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT ED/XXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (OH)

Was given a loan Deferment by Shellpoint Mortgage Servicing on XX/XX/23. 
They told me that this would not affect my credit and since they were only moving payments to the end of the loan and not writing anything off, that those payments that were moved to the end of the loan would show current.

They have reported those payments that they Deferred as late and have not responded to my request for them to be removed as late as per the CARES Act and as they indicated that they would.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (FL)

I accepted a payday loan of {$500.00} on XX/XX/XXXX. The original due date was XX/XX/XXXX I was going out of town due to a family emergency. I had asked to go on a payment plan in hope that things would get back on track unfortunately my hours were cut I am on a fixed income and Im barely making it. Today XX/XX/XXXX I reached out to see if there were options to set up arrangements to pay. I was told that due to the extended payment plan Im on the agent is unable to move it. I explained that my account is going to overdraft and I can not afford to have it happen and she didnt say anything. I can not afford an overdraft I have bills and other obligations to pay. She said if the payment doesnt go through it will go into the in house collections. I have previously had loans in the past and they were successfully paid and now there isnt any accommodations. I am not very happy. I am on a fixed income and Im barely making it. I would like a resolution to this matter
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Around XX/XX/XXXX I found out that I was the victim of identity theft and quickly moved to freeze all of my bureau reports and lock everything down as much as possible. Luckily nothing serious happened outside of some bogus bank accounts that were opened. 

Since then I have aggressively been monitoring everything through multiple services and each of the credit agencies own websites. Around XX/XX/XXXX I logged into my.equifax.com and found that I was staring at the profile of a completely different person with the same first and last name as myself. They had somehow swapped my Equifax account with someone else despite all of our information being completely different ( and middle initial ). I obviously immediately contacted Equifax since this was a massive breach of personal info and privacy. Their response was to close my account and make me open a new one, which did switch me back to my own info correctly, however upon doing so I found that they had added a " XXXX '' to my name, maybe in an attempt to fix it. 

At the same time I started getting alerts from other credit monitoring services that they could no longer read my Equifax credit report, so obviously things were broken. I spent weeks disputing the " XXXX '' in my name an finally was able to get them to remove it, however my credit monitoring was still broken elsewhere so all they did was hide the " XXXX '' it seems like. 

It's been this way for months, until this week when I logged in and AGAIN they have my account swapped with the same person who has the same name as me. This is twice now in XXXX months. I've contacted them and again they have no explanation and no fix outside of closing my account, which obviously does not stop this from happening again like last time and will cause me to lose my XXXX subscription that is paid for through XXXX. 

To make matters worse, they added a fraud alert on the other persons account with MY phone number and will not change it since I'm not the other person. So now I have someone who I do not know setup for fraud alerts under my cell phone number that can not be changed. It's ridiculous. 

I've requested multiple times that someone over there actually look into the real issue as to why our accounts are getting mixed, but I'm met with no help. This whole thing has been extremely frustrating. I've had XXXX issues with any other agency, but Equifax is consistently causing an issue. It's amazing to me that they just gave me access to someone else 's entire life TWICE and have done nothing to ensure it doesn't happen again. What if I was a scammer or someone looking to commit fraud? I would have this poor man 's entire life in front of me. It's terrible and they need to fix their systems to ensure this doesn't happen again, but instead all they do is close my account. it's a massive breach of trust, PII, and security to keep operating like this.