davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

I have a 30-year VA mortgage that is owned and serviced by Freedom Mortgage since XXXX. I have consistently made all my payments on time from a specific bank account ( bank account # 1 ) by EFT initiated through the Freedom Mortgage website. In XX/XX/XXXX, I switched to using another primary bank account ( bank account # 2 ). I added this bank account to my online profile with Freedom Mortgage in order to make my XX/XX/XXXX mortgage payment. I made the payment for my XX/XX/XXXX mortgage payment through Freedom Mortgages website using bank account # 2. Rather than pull the funds from bank account # 2, Freedom Mortgage repeatedly tried to pull the funds from bank account # 1, which resulted in me receiving overdraft fees from Bank # 1. I logged into the website again and initiated another payment for the XX/XX/XXXX mortgage bill and requested to pay it from bank account # 2. I waited four days and Freedom Mortgage did not pull the funds from bank account # 2. I called them to inquire into the issue and they agreed to refund me the over draft fees charged by bank account # 1. A few days later, they finally debited the funds for the XX/XX/XXXX mortgage payment from bank account # 2even though I had repeatedly requested that they debit the funds from the account. A few days later, they reported me delinquent to the credit bureaus, even though I was not and had consistently been requesting to pay my mortgage payment from bank account # 2. I called them the same day and spoke to someone in the escalations department. She reviewed my good payment history and spoke to her supervisor. She agreed that the error appears to have been caused by Freedom Mortgage repeatedly attempting to withdraw the payment from bank account # 1even though I ( the customer ) had made repeated requests to pay from bank account # 2. She agreed that Freedom Mortgage would send corrected information to the credit bureaus that my account was not 30 days delinquent because the delinquency was due to their own processing errors. It has now been 8 days since Freedom Mortgage agreed to send the correction to the credit bureaus and that has not been completed. I called their customer service number earlier today, and after waiting on hold for 35 minutes, the agent explained that task was closed without being completed and she initiated a request to reopen it so that my credit information can be updated as agreed.
Consumer complaint received 2021-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (FL)

I had originally taken a loan of {$500.00} from MoneyLion on XX/XX/XXXX. This loan is showing on my credit report as XXXX XXXX but this loan was paid off. The way MoneyLion works is that you have to pay your Loan off to get another one. There is another Loan on my account that was issued on XX/XX/XXXX for {$500.00} which shows XXXX XXXX XXXX XXXX  No one at MoneyLion has been able to provide me an explanation on how I was able to obtain this loan without paying the one in collections from XXXX, XXXX. They have not been able to provide any loan documents or statements regarding the loan from XX/XX/XXXX.
Consumer complaint received 2021-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (OH)

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank (AL)

On XX/XX/XXXX, I called my bank to stop payment on a lost check. The bank employee asked for the necessary information to stop payment and then placed me on hold. When the employee returned to the line, he addressed me as " XXXX XXXX XXXX. '' I asked him to repeat the name, and he did, which was my mom 's first name. I asked him to repeat my account number back to me so I was sure he was in the correct account ; he was. Someone had added my mother 's married name to my business checking account without my knowledge or consent. My mom died in XXXX. I'm not one hundred percent certain, but I believe my mother had been added as account owner/account holder of my business account. The bank can not provide or produce a signature card, nor do they know the exact date this incident occurred. They believe her name was added in XX/XX/XXXX. My mom was 80 years of age and in failing health. However, XXXX shows my mom having employment history beginning XX/XX/XXXX, same month and year the bank believes her name was added to my account. The branch manager filed an internal complaint. When the branch manager could not get answers from upper management, he instructed me to file a complaint with the bank. I emailed their customer care department on Tuesday, XX/XX/XXXX. The bank contacted me via phone on Thursday, XX/XX/XXXX, to say they were investigating. This is fraud, and I have many reasons to be concerned about when, why, and how my mom 's name was added to my account without my knowledge and authorization. However, I have heard nothing since, and it took almost two months and filing an online complaint to garner their attention to this matter. For many reasons, this needs to be investigated. It is illegal. 
Many thanks!
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

While doing a credit report, I discovered I had a balance of XXXX dollars from a Capital One Walmart credit card. The account was reportedly opened on XX/XX/2022. I never applied for or received this card, therefore I never used it. I have started a fraud investigation with Capital One, and they recommended that I start a claim here as well. I have never received a phone call, an, email, or physical piece of mail from Capital One saying that I have an account with them or that I owed them money. It was only through running a credit report that I became aware of this.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (MA)

When I was XXXX  and Naive I financed a car from honda financial, They told me nothing about credit I got a XXXX ended up not being able to drive, couldnt work so it got repoed, now this is stuck on my credit even though it is paid and closed XXXX XXXX with still short credit history I cant open anything to improve my credit due to the repo, Computers detect a repo automatically denied for everything, They even sent me a check after the repo I assumed everything was okay, they did not tell me I had a debt issue And on the American Honda financial site it lists my wrong address
Consumer complaint received 2023-01-21
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: Chime Financial Inc (MT)

This is for Chime bank, I submitted a dispute XX/XX/XXXX to chime support service and they have looked into it and dispute is still pending. I have called them just about every week asking for paperwork on the money I apparently owe them but they can not provide that information, I have asked what I owe them several times and they state that I owe them nothing, and it shouldnt be showing a charge, though on my credit report I am having points taken off every week because they keep reporting I owe them {$640.00} XXXX week and {$320.00} another then {$310.00} and back up to {$640.00} in a cycle, though they have no record of it. I have lost over XXXX points because of this and now every time I call they hang up on me.I am lost on where to go now. They are knocking down my credit report weekly charging the same things
Consumer complaint received 2023-06-11
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: EQUIFAX, INC. (NV)

XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 more than 7 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX  XXXX XXXX called me numerous times and demanded I pay XXXX to their collections for a Chase Bank account. Placed for collection on XX/XX/XXXX. I never opened a Chase account and I filed bankruptcy in XXXX. I notified XXXX but they said they investigated and said the disputed item was accurate. It is not.I want this removed immediately from my credit report. I also reported this to my local police department and they gave me a report number. They will also look into it for me. I hope someone can help me with this fraudulent activity. I will not call this company because I have anxiety plus other health issues and dont want to end up in the hospital from stress. I never even received any letters or statements from this company showing I owe Chase bank and what its for. There are scammers out there looking to take peoples money but I dont have any money to give. Im going through a financial hardship as it is.
Consumer complaint received 2021-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NH)

I am writing today to explain my current financial situation. Unfortunately for several years, I was not handling my own finances. My husband took over total control of the finances and became XXXX and XXXX XXXX along with having XXXX XXXX. On his third attempt, he committed XXXX on XX/XX/2021 and I am now able to handle the rebuilding of my finances. Along with my social security of {$2300.00} I am working full time earning approximately {$2300.00} per month at XXXX XXXX. This would adjust to {$55000.00} per year. I am also receiving XXXX  income totaling {$30000.00} per year a for a total income of approximately {$85000.00}. I would like to propose a trail payment plan of a direct withdrawal of my monthly mortgage payment from my checking account for the next 6 months. If income and on time payments continue then be reconsidered and continue with the direct withdrawal process.
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: EQUIFAX, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MO)

AT XXXX CENTRAL TIME RECEIVED EMAIL FROM WELLFARGO STATING THAT APPLICATION WAS RECEIVED ON XX/XX/2021, NEXT EMAIL WITH ACCESS CODE XXXXXXXX XXXX TO VIEW APPLICATION, NEXT ONE TO COMPLETE ENROLLEMENT, THEN NEXT ONE TO ACCESS DOCUMENTS NOW, LAST ONE WAS ONE STATED WEVE UPDATED YOUR CONTACT INFORMATION TO THE FOLLOWING : EMAIL TO : XXXX ; PHONE NUMBER ( *** ) XXXX. I AT THIS POINT I CALLED WELLSFARGO CUSTOMER CARE TO REPORT TO THEM THAT I HAVE NO BANKING WITH THEM. RECEIVED CASE # XXXX. 
CALLED AND TALKED TO THEIR FRAUD DEPARTMENT-XXXX  AND HE IS SENDING A LETTER TO MY ADDRESS ON THIS MATTER. ON PHONE FOR XXXX SECONDS. THEY ARE ALSO SENDING A REPAIR KIT AND SUGGESTED TO FILE A COMPLAINT ON THE FEDERAL TRADE COMMISION
Consumer complaint received 2021-09-28
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-09-28
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)

Transunion has a fraudulent inquiry on my credit report.cThe fraudulent inquiry on my credit report is from XXXX XXXX inquiry is from XX/XX/2021.
Consumer complaint received 2021-09-28
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TN)

I originally was approved for a home loan with Caliber Home Loans back in XX/XX/2020 at a XXXX interest rate. I also originally obtained homeowners insurance with encompass and bundled auto insurance as well with a home insurance yearly premium at that time of {$930.00}. I later took the vehicle off in XX/XX/2020 of the bundled insurance bringing my home owners insurance premium up at that time to XXXX. I later refinance loan in XX/XX/2020 and my homeowners insurance yearly premium at that time again was {$1100.00}. In the refinance documents in XXXX Caliber had my yearly home owners insurance rate on the closing documents of {$1000.00}, which was {$100.00} short by 3 months. Now Caliber is saying my escrow is short {$310.00} due to caliber trying to play catch up to their error. Which is causing escrow shortage.I understand there are increases but my main concern is the shortage in my escrow account that shouldnt of happened based on caliber home loans mathematical error. I feel this is unfair, kinda swept under the rug when speaking with agents and is a very high personal concern of mine that was this may happen again.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NY)

On XX/XX/2021 I received a bill stating that I owe {$1200.00} from the XXXXorporation ONLINE INFORMATIONS SERVICES INC. I XXXX XXXX has never contracted with this corporation or the service address stated.
Consumer complaint received 2021-09-28
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. (NY)

I want to verify the method of verification with the bureaus regarding my accounts in question. I am attaching the letters I created and mailed out a few months ago with the accounts in question. Along with my ID verification to show this is my account.
Consumer complaint received 2021-09-28
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. (MI)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I submited an FTC Identity Theft report numerous times via mail and via fax to Equifax and they are refusing to remove the information that is falsely reporting on my credit report. I received a paper copy of my full credit report, dated XX/XX/XXXX, via mail from them stating ( page 4 ) that " the disputed item is not currently reporting on the equifax credit file ''. The compananies on the mailed paper document that I disputed under inquires shows as XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. In this same exact report on page 64, those same companies are displaying under inquires ( XXXX XXXX XXXX XXXX, XXXX XXXX ) and there are two other companies I do not recognize and that are not on my online report with Equifax ( XXXX on XX/XX/XXXX , XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). These new company names seem to be consistent with dates of the original inquiry disputes I submitted ( XXXX ). I have pulled my credit report online as of XX/XX/XXXX and the following company inquires are listed on my current credit file still ( XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( listed 3 times ). This company is being contradictive, information is inconsistent, I requested proof for all of the accounts I disputed on my credit report ( original signed contracts or agreements with my signature ) on XX/XX/XXXX - still have yet to receive it, it has passed the 30 day window to provide it- which with the law states they should be removed, the paper credit report mailed is not consistent as to what is displayed online - inconsistent and inaccurate reporting which is affecting my credit profile.