davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

This account was closed over three years ago in XXXX, however, the company just recently on, XX/XX/XXXX, reported on my Equifax credit report that I had a late payment in XX/XX/XXXX, which is not possible since the account has been closed for more than three years. This information is incorrect and inaccurate should be removed from any and all credit reporting agencies.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

This account was closed over three years ago in XXXX, however, the company just recently on, XX/XX/XXXX, reported on my XXXX  credit report that I had a late payment in XX/XX/XXXX, which is not possible since the account has been closed for more than three years. This information is incorrect and inaccurate should be removed from any and all credit reporting agencies.
Consumer complaint received 2021-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (OH)

Told at the beginning of COVID-19 pandemic I would be eligible to put my account in forbearance once out of forbearance missed payments would be able to be added to the end of my loan. Spoke with a rep today ( XX/XX/21 ) and found out that they would not honor that and I needed to pay {$16000.00} out of pocket, do a loan modification which would increase payments, interest rate, and/or length of my loan, or a repayment plan where I pay {$16000.00} in addition to my normal monthly payment over 3 months. 

HomePoint Financial had sold my loan as of XX/XX/21 and is attempting to take advantage of me as they are now saying they were unable to add the forbearance back on my account, even tho I qualified per the Cares Act for the length it promised. The supervisor, XXXX, I spoke with then went on to play the emotion card by threatening losing my house if I did not do the loan modification application today. 

As the call was going no where I asked the supervisor to extend my forbearance per the Cares Act. Supervisor stated I could only have 30 days due to them selling the loan. Informed supervisor that the previous rep had offered 90 days. Supervisor told me once again I had been misinformed. 

Homepoint Financial is taking advantage of the COVID-19 pandemic and using it for their gain. They are not being compliant with the Cares Act and each rep you speak with is offering something very different.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had noticed unauthorized charges on my Capital One account and contacted the Fraud department, I reported the transactions and was credited back. However then I was re-billed for those same fraudulent transactions, even after both Capital One and XXXX  indeed verified it being fraud. 

I contacted XXXX and they admitted it was fraud and that they had " taken a loss '' yet I am still somehow responsible for these charges I did not authorize? 

We validated it as the items were delivered to a random address I am not associated with. 

I was re-billed on XXXX XXXX for {$32.00}, {$48.00}, {$64.00}
Consumer complaint received 2021-03-23
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. (GA)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the chargers listed. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2021-03-23
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. (MD)

Mr. XXXX is a victim of identity theft with multiple fraudulent attempts to obtain credit using his personal information. Some of these fraudulent inquiries are reporting against Mr. XXXX credit history at TransUnion and include XXXX / XXXX XXXX ; XXXX XXXX ; XXXX / XXXX and XXXX XXXX XXXX XXXX. 

Disputes, including copies of Mr. XXXX identity and a police report filed by Mr. XXXX avowing the fraudulent nature of these credit requests have been sent to TransUnion on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. However, upon review of Mr. XXXX credit file on XX/XX/XXXX, all disputed and fraudulent inquiries continue to report on his XXXX records.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My wife and I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX we have been on time since XX/XX/XXXX we got in to a dispute over the car not being fixed correctly never was told it still had manufacturing warranty on it it still anti have bank statements to prove we have paid more I argued with XXXX there XXXX XXXX XXXX I had to threaten civil action just to get reciepts to check with bank statements then when I did that they took my on time payements off the credit reports without a explanation I called the companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX the sale was for XXXX the payment is down to XXXX we have paid over XXXX this proves we paid on time plus more so I disputed to TransUnion XXXX also they said there is no explanation stateing why this happened its was just a act of revenge trying to hurt credit score which caused me a lot damage when my credit was finally getting better then XXXX XXXX XXXX XXXX XXXX XXXX pulled this stunt they did not do what was promised to report to credit report like they were supposed to
Consumer complaint received 2021-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

This company refuses to tell the whole story- eliminating critical data which favors the borrower and any lender may wish to see. They in effect provide an incomplete statement and misleading! " This item already reflects that it has been paid. Whether the item was paid in full or paid in settlement, this item can not be disputed using this reason since it is already reflecting as Paid. In paying this obligation if you did not meet the terms of your agreement, in addition to reflecting as " paid, '' the account may also indicate the number of days you were late with your payments, including whether your account was Charged Off or in Collections prior to being paid. '' The rest of the story the fact is this lender NEVER attempted to resolve the debt even after multiple attempts at contact. CFPB reports opened as well as with other agencies.
Consumer complaint received 2023-03-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX XXXX XXXX. I have contacted the credit bureaus XXXX XX/XX/XXXX Equifax, andXX/XX/XXXX ) on numerous occasions along with contacting the creditor, XXXX XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX XXXX has yet to provide a response to my initial complaint. I also submitted a complaint with theXX/XX/XXXX my complaint continues to be ignored. However, Equifax,XX/XX/XXXX, and XX/XX/XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XX/XX/XXXX, Equifax, and XX/XX/XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to XXXX XXXX XXXX XXXX XX/XX/XXXX ) via certified mail 2. ) Reference XX/XX/XXXX Complaint date XX/XX/XXXX 3. ) Police Report 4. ) ID Theft Affidavit
Consumer complaint received 2021-03-23
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. (MD)

Mr. XXXX is a victim of identity theft with multiple fraudulent attempts to obtain credit using his personal information. Some of these fraudulent inquiries are reporting against Mr. XXXX credit history at Equifax and include XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

Disputes, including copies of Mr. XXXX identity and a police report filed by Mr. XXXX avowing the fraudulent nature of these credit requests have been sent to Equifax on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. However, upon review of Mr. XXXX credit file on XX/XX/XXXX, all disputed and fraudulent inquiries continue to report on his Equifax records.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

In XXXX of 2018 I purchased a cell phone and plan from XXXX. I put my account with them on auto pay, primarily because of my health and XXXX XXXX. I explained to the representative that this was the reason and that it was imperative that my service not be interrupted for this reason. 

In the following two consecutive months my phone service was interrupted twice for no apparent reason through this company was paid from the auto-pay I had set up. 

I called them and explained that I could not trust my life to their service and switch to XXXX XXXX. They placed me up for collections, I disputed it and it was taken off my credit report. 

This company Source Receivables Mng., has brought this old debt from XXXX and is trying to collect on a old settled debt. This company sent no letters or information about their intent to collect and therefore has been the cause of thirty plus point loss on my credit report. This was wrong and very damaging to my credit.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Im submitting this complaint againstXX/XX/XXXX, Equifax, and XX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

While we were vacationing in XXXX, FL last week ( XX/XX/XXXX-XX/XX/2015 ), some crook went into a Chase branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and EMPTIED out our checking account. Someone posing as my husband withdrew {$4300.00} from our account leaving us with less than {$130.00}!!!!!! We have many bills coming due XX/XX/XXXX including our mortgage and homeowners associated dues, with others to follow including life insurance, car payment, etc. We went to the branch and filed the complaint. Chase says we now have to wait 30 business days and will not give us a provisional credit! This is OUTRAGEOUS. That will bring us into XX/XX/XXXX! We have bills to pay. This was not our fault. This was negligence on the bank 's side and they can easily fix this by pulling up surveillance video to confirm this was not us. Now we suffer because of the lack of security measures taken at the branch that allowed some low life criminal to empty our checking account on XXXX!!!
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

I was XXXX last year and I was late on a payment or two, I also attempted to pay the account in full but the payment was returned. however my credit limit was XXXX and they changed it when the payment was returned to XXXX dollars which made me well over the credit limit and that is not fair, i have called them on muiltple occasions to correct the problem and they did absolutely nothing. it is hurting my credit score bad! also the APR i about 25 % and im a XXXX XXXX XXXX. I have had a decent payment history with them i had the card since about 2019. I have enrolled on a payment plan which they told me my account would be forced current now all of a sudden my account is closed and none of their employees have did anything but tell me a generic answer and help to fix the situation.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive been trying since the covid pandemic began to get Bank of America to refund the fraudulant withdrawals to my CA edd prepaid debit card in the amount of {$700.00} on XX/XX/19. 
Was assisted by journalists in touch with consumer in similar situations and things were looking promising for the bank to come clean and make the refund. I even got a refund letter saying a refund was being made and they considered the case closed. When no refund was issued I contacted them and apparently because of rampant fraud they had closed my original account and opened a new one, but since the system could not refund into the closed account, I still have had no access to or received the refund that was promised.
Consumer complaint received 2022-06-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

The current servicer, Fay Servicing, is claiming interest owed going back to XXXX. I did not receive any mortgage statements from XXXX until XXXX. XXXX XXXX claims to have purchased my loan in XX/XX/XXXX. I never received notice of this transfer in ownership. The previous creditor ( unknown ) did not issue monthly mortgage statements and therefore does not have the right to collect interest during this time period. 

Fay is violating the FDCPA by attempting to collect on a debt where the statute of limitations has expired and by attempting to collect on interest that is not owed.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

Entered a XXXX sweepstakes and this scammer got me good took {$2600.00} from me now chime wont even respond to me!!! Every time I call they say for me to email this and email that nobody ever responses. My dispute was also denied!!!! Help me
Consumer complaint received 2022-06-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Requesting assistance in recouping {$4100.00} that was erroneously withdrawn ( stolen ) via our escrow account on XX/XX/2022. We have exhausted every personal effort to resolve this matter beginning XX/XX/XXXX to current with Mr. Cooper ( mortgage company, but are not getting anywhere. 

My wife and I are both military service members, and we were fortunate to purchase a new home last XXXX from XXXX Homes using her VA Loan. At closing we opted to impound a little over $ XXXX into our escrow account that was serviced initially through XXXX Mortgage ( See attached Escrow Closing Doc ). 30 days following closing our account was sold from XXXX Mortgage to a mortgage company that goes by the name of Mr. Cooper. 

On XX/XX/2022 they removed {$4100.00} from our escrow without authorization and/or notification. They have been unable to provide cause for removal or tracking regarding where the funds were placed.
Consumer complaint received 2021-03-23
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. (TX)

Last year I obtained a copy of my credit report and to my surprise I had a ton of negative and inaccurate items on my report. I tired to reach out to the reporting agencies multiple times and to no avail. I have wrong names, wrong address, and wrong employers on my report. I have debts from companies that I've never done business with or accounts that were paid off that's still showing a balance. According to the rules that I found online the agencies had 30-60 days to respond and provide proof of these debts and it has been well over 120 days with no answers at all. 

I sent letters attesting these inaccurate accounts on XXXX, XXXX, and again here at XXXX. So many discrepancies across the XXXX agencies like different account numbers, different amounts and different names and addresses. These items reporting on my report are totally unfair and a complete violations of my rights. The agencies have had adequate time to contact the alleged debtor to provide proof and until then I'd like them removed from my report. I believe my information was a part of the equifax and XXXX hack.