davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

My family went into a Covid 19 forbearance with Freedom Mortgage. It was supposed to end on XXXX XXXX. I called in XXXX to get information on refinancing options and she wanted to review them. At the time I was not available to dicuss the options. Since XX/XX/XXXX there was no communication until XXXX XXXX. I received a letter dated for XXXX XXXX that stated we were in default for {$46000.00} with a {$15.00} fee a and {$2.00} Less amount in Suspense. I then called to ask why I was'nt notified when we will be coming out of forbearance and why was not I given any options on how to exit. She stated they don't have to that is not how forbearance works and they were waiting on me to call them. Now i have to do it manually and it will take up to 30 days in the meantime they will report to the default to the bureaus. This mortgage company is going to use this tactic to force families into foreclosure. You have to catch it before people loose their homes.
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (LA)

The company emailed me about a collection that I do not owe. In XXXX of 2017 I paid the company before it even went to collections. They havent been sending me anything up until now. Which I do not owe them anything. The company was supposed to delete from account but obviously they did not. They were suppose to document the account but I guess they didnt do that either. I asked them to validate the account which they did not they only sent something for a payment. On XXXX  of my credit report it does show paid.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TN)

Capital Accounts LLC has placed a collection on my credit profiles claiming that I owe {$260.00} to XXXX XXXX XXXX. I've never been to that facility as I DONT HAVE ANY PETS!!!!! It's ridiculous.
Consumer complaint received 2018-02-09
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. (GA)

I obtained a car loan through XXXX XXXX XXXX. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed.I had not taken possession of the car again after that time.On XX/XX/XXXX, XXXX XXXX reported to the credit agencies that the car was repossessed. (Not sure why, maybe to extent the bad credit filing)On XX/XX/XXXX XXXX XXXX reported to credit agencies that I reopened the same account.On XX/XX/XXXX XXXX XXXX reported to credit agencies that the car was repossessed. This leaving the account on my credit until XX/XX/XXXX.I have attempted to resolve this matter with XXXX XXXX and the credit agencies with no avail. XXXX XXXX continues to put fraudulent information on my credit report and refuses to correct their own error.I have only had one account with this company, which ended in XX/XX/XXXX upon them taking possession of the car.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (VA)

I missed a call from Franklin Collection Service based in Mississippi. I returned that call to find out why they had attempted to contact me after I had requested validation of the debt owed. I spoke with a collection agent named XXXX and again asked for validation of the debt. I then asked them to cease and desist any further phone calls about the debt until I could verify the account. At this time the agent became aggressive and began to raise her voice. She then started yelling and said that it didn't matter if I payed the debt or not because they already reported it on my credit report as a collection debt. Afterwards she stated that she was going to verify my information, and said that and asked me if my phone number was correct and then said " it doesn't matter I'm going to just take it out. Since you don't want us calling you cause we don't have the answer you want, you don't want us calling you back. '' She then continued getting louder and cutting me off from talking trying to get me off the phone while I tried to ask for a manager.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NY)

XX/XX/2021 I disputed 2 transactions from my checking account with AXOS bank. When I tried to use my card it stated the card was no longer working they canceled my card with all my funds. I did not request or authorize them to do so I called customer service I was advised that if I had another account I would be able to wire the funds and I would receive the money the same day as long as the transaction was processed before XXXX XXXX XXXX XXXX. Everything was processed or so I thought I never received an email so I called customer service. They stated they were not able to look into my account and I would have to wait for a call back from a supervisor they never tried to get me a replacement card when I requested it they are contacting me to give me a clear explanation they are refusing to resolve this issue and they are holding {$1000.00} of my funds
Consumer complaint received 2022-04-29
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. (VA)

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX / {$0.00}
Consumer complaint received 2021-06-07
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: SELECT PORTFOLIO SERVICING, INC. (FL)

Regarding XXXX Account 's. Disclosing personal information to create multiple accounts reported to the XXXX  Credit bureau and currently i am fighting this assignment fraud. XXXX  Identity Fraud, Identity Theft dates, Co-conspirators & ROBO-signors Mortgage Servicing Fraud occur new account information and other transfer fraud MERS Mortgage Fraudulent transfer, Transferring a mortgage to another servicer. Fraudulent Assignments and fraudulent activity created a car loan account. Fabricated assignments, forged signatures and utter counterfeit created to fraudulently obtains a mortgage on my property. going on in Florida. Case Number : XXXX XXXX XXXX Case Style : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX - XXXX XXXX Case Status : OPEN Case Type : CIRCUIT CIVIL. Weekly Circuit Civil Foreclosures Report Clerk AP # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX case ( XXXX ) XX/XX/XXXX : XXXX XXXX cici : city of XXXX XXXX a florida municipal corporation attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX phone : XXXX
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I do not have a contract with this Midland. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX   ) and  they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Consumer complaint received 2021-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (MN)

In XX/XX/XXXX I opened a Nordstrom store account. My purse was stolen with all my personal information including account information from Nordstrom. Charges in the amount of {$280.00} were made at the Nordstrom without my consent nor knowledge. At this time charges were also made to my XXXX XXXX and XXXX XXXX. I filed fraud claims with Nordstrom in XX/XX/XXXX.. On XX/XX/XXXX I spoke with XXXX Nordstrom Fraud Investigator and was told that my claim was denied back in spring of XX/XX/XXXX. I never received any information stating that my claim was denied, in fact when I called Nordstrom a few days prior to speaking with XXXX I was told that my case was still opened. I am basically accused of making the charges due to the fact that the photo copy of my Drivers License is not current. I have always kept 2 Drivers License on hand in case one is ever lost or stolen. I did not make any charges on my Nordstrom account to be held responsible. Because of this Nordstrom is reporting negative information.
Consumer complaint received 2021-11-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CA)

I was advised by the business that they would remove the tradeline from my credit report after two years from the date first became delinquent, if the account was paid in full. The account has been paid and it has been two years since delinquency. I contacted the business and placed a dispute through XXXX, yet the tradeline still remains on my credit report.
Consumer complaint received 2019-09-27
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: U.S. BANCORP (TX)

I received my US Bank ReliaCard issued for XXXX  through the Texas Workforce Commission on XX/XX/XXXX, I called the 800 # provided around XXXX XXXX   CST, said it was activated and gave me the available balance. At XXXX on the same day I went to use the card for groceries and it said the card was Not Authorized. I called the customer service 800 # to tell them about the issue and I was told it was locked because of the attempts to purchase the groceries and that I ha to wait 24 hours to call or go online to activate the card. 

On XX/XX/XXXX, I called the 800 # customer service only to tell them that I remembered when I called the day before it said the 3 digit # on the back of the card was incorrect, but because I called it locked me out another 24 hours. 

Therefore, I have money from XXXX   because I XXXX  my job and can not get access to it and I was told by the representative that it was absolutely nothing anyone could do about it to fix the situation.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (PA)

I was notified on XX/XX/2023 that my account was closed, with no reason given. I filed an appeal, and received an immediate response saying the same thing. I have never used my account for illegal purposes.
Consumer complaint received 2019-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am 120-150 days  past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I paid my lowes bill off in full to XXXX balance, 3 days later they ran my autopay balance and took it out a second time even though my balance had already been completely paid off I called and said you need to reverse the double payment you took out, my account balance was XXXX and you shouldnt have took anything at all out for a scheduled autopay on a account that had a XXXX balance They said we can mail you a check I said no you need to reverse the transaction you were not authorized to pay non existing balances just if I had a balance They refused, I told them I was pressing fraud charges through my bank and writing a report about how they took a double payment out on a account with XXXX balance and almost bounced my checking account doing it Im furious and would like paperwork on how to sue them for emotional distress
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

Since the pandemic started we have been living paycheck to paycheck. We never asked the bank for help as we were able to nearly get by till our next paycheck. However in XXXX the bank started putting {$1100.00} in our account and calling it a temporary XXXX relief credit. We never asked for it or agreed to it. But we didn't know this was happening until we got a letter from the bank stating they were ending the relief credit. I checked the account and saw this had been going on for almost 3 months. The letter explained they did this to help people with a negative balance in their account to get their full stimulus check. We didn't get the letter or know this was going on till I got paid from work and noticed i only had a couple of XXXX in my account when there should have been at least a {$1000.00}. That morning is when we got the letter and already spent our stimulus money. While this was happening but didn't know anything about this till after we had drained our account to only a couple XXXX left. After they took the {$1100.00} back out of our account, our account don't show these credits and caused our account to become seriously overdrawn. It also caused our house payment to bounce and incur a large amount of late fees. Now our account and all our bills are incurring late fees and large amounts of overdraft fees. I personally talked to XXXX members of the bank to try and get help and one did stated they did this to help and also stated others had the same thing happen to their account. All this should not of happened without anyone knowing what was going on till the last minute. I should have been given an option to opt in or out of the temporary credit or at least been notified before they took it upon themselves to try and help.
Consumer complaint received 2021-05-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: AES/PHEAA (OK)

myFedloan never notified my of the change in deferment, they never notified me vial mail or call regarding this which reflected missed payments on multiple loans on my credit report. I have made several attempts via phone and letters to fix this issue but I have not been able to get clarity and I am asking these derogatory marks be rescinded as they have failed to update my contact information, address and my accounts should have and still are in deferment My DOB is wrong in their system I have sent in numerous letters and called regarding this to get this amended, without avail.
Consumer complaint received 2023-01-12
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX  ), XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-03-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

trying to get my home refinance thru XXXX, i believed that i have outstanding credit i pay everything on time and have plenty of credit, the 3 reporting agencies came out with 3 different scores, i also been a victim of fraud in the past, i have a full time job and my yearly income is over {$100000.00}, i owe {$80000.00} on my home and is value over {$400000.00} never been in bankruptcy, so why is it that the 3 reporting entities are trying to make me a victim when i have comply with the rules all my life, i'm just trying to get a refinance and get some cash back so i can build a warehouse, is there anything that somebody like me can do to try to survive, yesterday i also was trying to change home insurance because my policy when up this year for no reason with XXXX XXXX XXXX i try to get a shipper policy with XXXX and after they ran my credit they said the same thing that my credit report score came in to low and that is why they are increasing my insurance policy, this is predatory lending all over the system and the most affected are the most vulnerable like us Senior citizens, please help
Consumer complaint received 2022-04-29
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. (MD)

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-04-29
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. (MD)

- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

HSBC locked my checking acct. I called & they said it was because of 2 things : 1, my home phone # was changed. Well, I looked on my profile & it didn't ask for, nor did I provide a home #. Just my cell #. 
2, On XX/XX/XXXX, I got a deposit from a family friend : {$1500.00}. On XX/XX/XXXX I transferred this {$1500.00} to my other bank. They said because it was taken away, it must be fraud, when it specifically said " TRANSFER '' I have sent them an email, because they transfer me or hang up on me when I called. 
I was going to go to their branch, 20 min. away today. And first I called & the phone # was disconnected. And my GPS showed an open field & said " building missing. ''
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Great American Finance Co (MI)

Great American finance was opened on XX/XX/XXXX, and closed in XXXX. They are reporting late payments for XXXX and XX/XX/XXXX. It says on my credit report that the account is open. Which is false information. This account has been closed for 5 years.
Consumer complaint received 2018-02-09
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. (IL)

Called the customer service for the Chase Sapphire Reserve card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that Chase reported a complaint.  The Credit specialist at Chase is not giving me much information or having this resolved.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On the XXXX of XXXX I filed a claim with Bank of America for an unauthorized transaction. While I was at work, I lost my Debit card which resulted in unauthorized charges of {$1600.00} at a mall in XXXX XXXX, TX. I spoke with Bank of America today and they denied my claim, stating that I didn't report the charge in a timely manner. It was 3 days, and in that 3 days I traveled from XXXX to XXXX XXXX for work related emergencies. That {$1600.00} was strictly for my daughters new car and Bank of America won't help me at all. This is extremely hard times and {$1600.00} is a lot for me and my family. I don't know what else to do, please help me. Thank you Claim number with Bank of America XXXX