davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (PA)

I have been trying to have freedom mortgage to fix the paperwork on my mortgage to change the name I had gotten a divorce I had a divorce decree and a quick claim deed and still to this day I have not received the PaperWorks in the correct names this is that been going on for quite a while then Covid hit I lost my boss a job and had my son and his girlfriend living with me I fell on hard times I was told to the mortgage company that there was a full branch plan that I could get into and I could refinance my loan without any credit check which took my payment to {$480.00} then the program came out from XXXX XXXX I applied for that because at that time I was XXXX something behind on my mortgage then freedom mortgage had sent information to the XXXX HAS stating that I was not in behind on my mortgage that my payment was going to be pushed to the back of my line now for some reason or another they took me off of the for XXXX XXXX and my mortgage went up to XXXX and something dollars I have had nothing but problems with this company is trying to get the PaperWorks corrected signed notarized and sent back they keep saying every time I call they need this paper they need that paper then they say oh yeah well we found it here Ill submit it to them telling them in the underwriter department that it is here well still to this day I have no correct PaperWorks to sign and I dont know whats gon na go on as far as the XXXX program if I can get any help now because now XXXX and something dollars in the rears on my mortgage so I really need help with this company this mortgage company Freedom Mortgage has been nothing but headache after headache after headache each person I talk to gives me a different story different information and still some of them say they need this paperwork that paperwork and that they was also going to bring it to a supervisor I have yet to receive a phone call from any supervisor stating that the issue was fixed and I will be receiving the PaperWorks upon requesting an appointment with a notary so that the papers can get notarized
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WI)

I have been paying credit card through XXXX every month for many months on a XXXX dollars credit line. They have always taken payment from bank account. All of the deductions stopped. I couldn't reach anyone at XXXX to find out why. They ran my account way up to {$930.00} then apparently wrote it off. Sold it to MIDLAND CREDIT who is harassing me every day. They even are using XXXX legal notifications to scare me. Every day another phone number tactic. My wife going through XXXX treatments which is consuming to me. They continue to harass me every day and for a much higher amount. Their buying debt from creditors that stopped collecting from me then no way to resolve a XXXX total credit line. This is hurting my credit while all my other creditors remain in great status. I am disputing this amount of claim and, the daily harassing of me.
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2022-07-07
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXXd daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-07-07
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. (NC)

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (LA)

I have sent out letters to dispute accounts which does not belong to me. It has been more than 100 days but I did not receive any response from them. I filed a dispute exactly last XX/XX/2022, another one from XX/XX/2022 and XX/XX/2022. They are not investigating about the issue nor taking proper measures when they received my letters.
Consumer complaint received 2022-07-07
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. (LA)

I have sent out letters to dispute accounts which does not belong to me. It has been more than 100 days but I did not receive any response from them. I filed a dispute exactly last XX/XX/2022, another one from XX/XX/2022 and XX/XX/2022. They are not investigating about the issue nor taking proper measures when they received my letters.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Around XXXX my wife and I filed a XXXX tax return. She disappeared and I filed a missing persons report. Around XXXX of XXXX I deposited the check at TCF bank  with only my signature as I did not notice her name on it. She is not a XXXX citizen, has no XXXX ( so could not have an account ). The bank has taken the funds from the US Treasury ( confirmed ) and now hold the funds for her to come in and sign. I have worked with the bank extensively on this. Have told them just to return the funds and I will file Married filing separately but they still will not return the funds. I have talked to the IRS, IRS Taxpayer Advocate and the bank extensively. The IRS says it is a bank issue. It seems that the bank took these funds illegally and should not have. Who can compel the bank to return the funds to the IRS to credit? How can I resolve this?
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NY)

In XX/XX/2018, I noticed about {$5000.00} of XXXX charges on my credit card from in game purchases. I notified XXXX that I did not authorize these charges and I was told that they would refund the money. When I did not receive the refund, I contacted my credit card company who investigated the matter. Somehow I lost the fraud claim and paid the balance. To prevent this from happening again, I was told to cancel the credit card and place a merchant block, which I did. 

In XXXX of this year, I noticed XXXX charges again. I contacted my credit card company and again cancelled the card and placed a merchant block. However, the charges continued. I cancelled the card 3 times and placed merchant blocks. I was told by my credit card company that I would not response for the charges because I placed a merchant block. However, today I was told that I am responsible for the charges. I have contacted the card company numerous times and I did not give XXXX the new card numbers. However, XXXX remains able to charge my card by passing the merchant block without the card number. 

The credit card company is " unable '' to assist me. All of my call get rerouted to different departments, who claim that the last department is the only one who could help. I have asked if I could record the conversations because some of the information they provide is completely unbelievable. Such as one person claimed to have never heard of a merchant block. However, they refuse to allow me to record the conversations. They do not provide employee identification numbers or anything that I could use to later identity them. I am only given their first name.
Consumer complaint received 2022-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Consumer complaint received 2021-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

At around  XXXX   XXXX  PDT on  XXXX   XXXX ,    2017, I logged into my online account associated with a Bank of America prepaid VISA debit card ( California unemployment benefits ). When I attempted to transfer funds from the prepaid card to my person al bank account ( in order to cover my monthly rent check ), I received a message that said that money transfers were " temporarily '' unavailable. The website did not indicate if and when users next could transfer funds.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (FL)

I received a text from something called the CBE Group. Seems there are a lot of complaints about them on the internet. In the text they say that I need to contact them. No reason was stated. I have received nothing in the mail from them and have no knowledge of any debt that I owe.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (GA)

On XX/XX/XXXX I obtained credit reports from XXXX, XXXX, and XXXX. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my American Education Services/National Collegiate Trust ( AES/NCT ) student loan accounts. AES has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to AES via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the credit bureaus.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

National Credit System is reporting inaccurant information on my credit report. 

They are reporting that I owe them XXXX dollars from an apartment who are misrepresenting our arraignment and providing the with inacurate information. 

The apartment complex had my correct address and fowarded mail was provided but did not send me the letter advising when and why they reporting my debt to a debt collector. I recieved other mail to my new mail box- they did not even attempt to send me a debt collection letter. If they did I would have challenged the inaccuries of their report. XXXX began being fowarded XX/XX/XXXX which is a few days before I moved out. 
They were very nice in talking and never answered my emails back, but only would come to my door and talk. 

They were offered back pay before this time they reported this information and refused the accept the money and National Credit System has not been able to provide me with any truthful information involving this debt, but yet sent the paper to Nation Credit system without sending it to me so I could defend myself. 

This has caused me to have to leave in a homeless shelter because I am not able to get adeqate housing. I have disputed this account already and will attached open dispute in this complaint.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I received a call from a Chase representative, from the Chase customer service number, saying that my account had been compromised. They had identifying information about my bank account, information Chase is responsible for protecting. They used that information and the fact that they were on Chases phone number to convince me that I needed to initiate a wire transfer reversal to stop funds from leaving my account. I took these steps, under the advisement of the Chase representative, to protect {$9200.00}. Except it was someone who had spoofed Chases phone number and was actually wiring the money to themselves. I immediately went into a Chase branch in XXXX, Texas, and asked them to stop the transfer, but it was too late. They put in a swift recall request with XXXX XXXX to mark the transfer as fraud, but I learned on XX/XX/2023 that it was unsuccessful and the money had left the account it was wired to. Neither Chase nor XXXX XXXX have offered any solutions other than asking the person who took the money - a scammer operating under Chases name and phone number, with my personal information at hand - to give it back to me. I would like Chase to take responsibility for the lack of care they have taken with their own phone number, as well as my personal information, and take additional steps to restore my money.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2021-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

according my case # XXXX I requested forbearance : I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments. 

Company says forbearance starts XX/XX/2021 til XX/XX/2021. My mortgage payment was not met for XX/XX/2021 due to covid-19 hardship. This forbearance did not include XX/XX/2021. 

I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : text=For % 20more % 20help % 2C % 20contact % 20a % 20HUD-approved % 20housing % 20counseling, can % 20temporarily % 20stop % 20making % 20payments % 20without % 20any % 20penalty.
Consumer complaint received 2017-06-01
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. (LA)

XXXX   XXXX  is reporting a derogatory account on my credit report. I mailed  XXXX   XXXX  a letter requesting validation bearing my signature, showing a contractual obligation to pay them. They never sent back any supporting documents, only a letter stating everything is accurately reported. They also failed to mark my credit report with a " disputed by consumer '' remark within their  30  allowable days.