davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (KY)

My mortgage was acquired by Freedom in the first quarter of XXXX. At the time of acquisition I was current on my payments. Although I was in bankruptcy at the time, my home was not included. Not only did I pay my mortgage on time, I always overpaid. 
I received my first statement from Freedom dated XX/XX/XXXX. Not only was the payment amount incorrect, I was being charged XXXX as a past due amount. my statement also showed the money I had overpaid ( XXXX ) was being held as unapplied funds. 
My next statement was incorrect as well, I called but do not recall exactly what the rep said but I waited til the following month to see if the situation had been corrected and my payments properly applied. 
My statement dated ( XX/XX/XXXX ) reflected a payment amount of XXXX, with a positive balance in the category of past due amount of XXXX. My over payment ( unapplied ) was now XXXX. 
I paid the amount due of XXXX. I scheduled my next payment of XXXX to pay the amount due on XX/XX/XXXX. I expected the XXXX to be applied to my account however it disappeared. There was now a o balance. 
My over payments which should have been held until they equaled a full payment, were partly used, instead of XXXX I now had a balance of XXXX but my new payment due was otherwise correct at XXXX. 
This is just an introduction to the accounting issues I have had to deal with. 
I have spoken to numerous representatives who assured me the account would be looked at and errors corrected. 
My auto pay amount for XX/XX/XXXX was incorrect and this resulted in an underpayment on my part. 
My payment due XX/XX/XXXX including a XXXX fee classified as bankruptcy expenses was XXXX my auto pay was XXXX. 
I called Freedom and spoke to XXXX who told me to pay XXXX to bring the account current. I called back on the XXXX and was told to pay an additional XXXX and pay my regular payment amount next month ( XX/XX/XXXX ). My statement dated XX/XX/XXXX has erroneous fees in the amount of XXXX and XXXX overdue. I have no idea where these amounts came from. 
My XX/XX/XXXX statement reflected a payment due of XXXX. My auto pay paid XXXX. 
At this point my account should have been correct. I have made all my payments from this date forward before the XXXX of the month ( late ) with the exception being XXXX, XXXX, XXXX and XXXX of XXXX. Freedom granted me forbearance for these due to my loss of employment due to the Covid-19 crisis. On XX/XX/XXXX I paid XXXX for the month of XXXX. 
I owe XXXX for the months of XXXX XXXX and XXXX but Freedom says I owe XXXX. 
My account needs to be properly and fairly audited preferably by an appropriate outside agency. 
I have supporting documentation in the form of bank statements and mortgage statements. 

Additionally Freedom has neglected to report timely payments to the credit bureaus.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

We desperately need to have our credit freeze lifted in order for a bank to give us a loan. 

We have tried NUMEROUS times to contact you. On XX/XX/XXXX we had gone on line to have the freeze lifted until XX/XX/XXXX. Thinking all was well, we found out it was never done. 

We tried again on XX/XX/XXXX. We could not get through via phone. An automated system came in. There was no way of connecting with a human. We wrote via email and pressed submit, only to have the same page come up. We tried to submit over and over again, but to no avail. 

PLEASE help us as we need to lift this freeze. It is imperative that this is done. 

I would rather not put my PIN number on this email for obvious reasons. I can be contacted at XXXX, XXXX, XXXX Thank you in advance for helping us with this extremely frustrating issue!! 

XXXX XXXX. 

Sent from my XXXX
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Re : require to reflect the maximum possible level of accuracy I'm copying and pasted the letter I sent to XXXX  and To Whom It XXXX  Concern, According to the Fair Credit Reporting Act, 15 USC section 1681i, I request that you add the following credit references to my credit report : Contract # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. Please inform me within the statutory 30-day time period from your receipt of the purpose of this credit repair letter of your compliance with the provisions described in 15 USC 1681e, which require that all information in a consumers credit report must reflect the maximum possible level of accuracy. 
After 45 days I have not received any positive updates on my report. 
I have attached copy of my credit report how does it look like. No accounts, no score.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I disconnected my internet service with XXXX XXXX in XXXX. I was informed at the time by representative that because I was using my own equipment ( modem ) that I would owe the final months fees for services and there would be no further charges on the account. I had been using my own cable modem for several years. The company 's equipment had been returned over three years ago. The company has been trying to collect an amount of {$100.00} for equipment that was not being used. I call the company repeatedly, and each time, the customer service representative verifies that that they see I was using my equipment at the time the account was closed and that there should not be any amount due, however, BECAUSE, my account is now closed, they are unable to update the account balance. 

Sunrise Credit Services is now trying to collect the debt as a third party. I informed them over the phone the debt is not a valid debt, that I do not owe the money as I was using my own equipment, and they are not to make any further attempts to collect the debt that I do not owe.
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I received an email from Credit Acceptance to set up online bill payments on the purchase of a used vehicle. I have not ever purchased a vehicle through their network. 

I spoke to a representative and he was not able to give me any details on the purchase. I received a reply from their legal depart because of my complaint and they are not able to give me any details on the account.
Consumer complaint received 2019-11-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I presently am trying to obtain a settlement from Cashnetusa in regards to a " on line " line of credit. 
I am ashamed to admit I was so vulnerable to ever use this company, but I have several times since 2015. 
I was working then, paid every bi-monthly payment via ACH debits from my bank. 
Paid the loans off several times, but things would get a little tough, and id go right back and borrow more .. 
I was sceptical about the loan, but was told it was much cheaper and a bounced check ..they never discussed their interest rates, I ask about set payments and how long to pay off the loan, was told payments would be small and could pay what I could manage until the loan was paid. 
I have never missed a payment In 5 years ... but..my mother has become very sick, requiring XXXX 3 times/ week ... Im XXXX years old, I have moved my Mother in to care for her, so I have no paycheck coming in, only my SS check .I called CashNet 1 week before my payment of {$450.00} was to be debited from my bank, I explained I could no longer pay those high bi-monthly payments .I also informed them, I had notified the bank to stop payments to Cashnetusa, I also changed by bank debit card. I informed Cashnetusa of this action. 
I ask cashnetusa to please settle this debt with me and close out the account .I have gotten so much run around and still have not been able to reach any kind of settlement. 
I called them this morning again, they explained I was not yet eligible for a settlement ..I ask what criteria they had to be eligible, ,but they couldn't give me an answer. 
I have paid them over {$1900.00}, just in interest and fees in 5 weeks, my loan amount was {$3000.00}, it's now {$3400.00}. 
They did say that I may be eligible for a settlement in 6 months .. 
I said, while interest is still accumulating and the answer was yes. 
I told her I would settle with them for the {$1900.00} that I had already paid them in interest over 5 weeks, but, ,they couldn't do that ... I really want to settle with them, but, I would really like to put this company out of business in Virginia XXXX 
They are getting their victims like myself, based on the need for money at the most vulnerable times ..I admit, I fell for this and used this company for almost 5 years..I have paid them thousands of dollars just in interest ..never missing a payment ... 
Now, I've had a life changing experience and ask them to please help me to settle this debt once and for all ..but..they say they can not, bc, I'm not eligible. 

Thank You
Consumer complaint received 2022-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

There are 7 inquires on my credit report that I did not authorize. Also these inquiries should have dropped of the report XX/XX/2022. Even though they are wrong they are still passed the reporting date. THEY ALL MUST BE REMOVED>
Consumer complaint received 2020-08-24
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. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-05-25
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: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank - Account # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is not mine.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (UT)

American Express is reporting a debt I do not owe. When I checked my credit i saw this debt and paid it immediately. I never got a phone call, collection letter or notice. I have paid this debt a long time ago and it still updating.
Consumer complaint received 2020-07-09
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. PLEASE SEE THE ATTACHED REPORT FROM XXXX  WHICH CORRECTLY DOES NOT LIST THE XXXX XXXX XXXX ACCOUNT THAT IS NOT MINE. I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE NOTE THAT *ALL* NECESSARY ID VERIFICATION DOCUMENTS ARE ATTACHED HERE, AS THEY WERE THE FIRST TIME THIS COMPLAINT WAS FILED. MY SOCIAL SECURITY NUMBER IS XXXX. THIS WILL BE MY LAST ATTEMPT AT RESOLVING THIS MATTER VIA THE CFPB, AFTER WHICH I PLAN TO LITIGATE AGGRESSIVELY.
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-05
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 (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-30
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: Lewis, McDonnell & Associates (TX)

This is LEWIS MCDONNELL & ASSOCIATES is reporting a false and inaccurate credit information reported and it is a violation of 15 U.S.Code 1692e ( 8 ).
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

SHORT SUMMARY : I received a wire in payment for XXXX and I sent the XXXX. After that, the sending bank claimed fraud, and my bank illegally deducted the funds from my account and send them back to the sending bank, so I've lost {$36000.00}. According to UCC 4A-211, it was not legal for my bank to seize these funds, because wire transfers are final. 

DETAILS : My business is a registered with XXXX as a XXXX XXXX XXXX. I buy and sell XXXX. On XX/XX/20 I was contacted by a customer identifying herself as XXXX XXXX, asking to purchase XXXX. Because I hadn't done business with her before, I followed my XXXX  protocol by asking for photo identification, and I received a picture of Ms. XXXX 's driver 's license and a picture of her holding it. I advised her that the name on the wire from her bank had to match the name on the ID, she said it would, and it did. On XXXX XXXX my bank ( Chase ) advised me that the sender 's bank ( XXXX  ) had notified Chase that the wire was fraudulent, and was freezing my account. I advised Chase that the wire could not legally be recalled without my consent, and that I emphatically did NOT consent. Chase deducted the wire funds from my account anyway, on XX/XX/20, over my objections. 

I contacted XXXX who told me that the customer " might have been socially engineered '' and that the FBI is involved, but would provide no further information. I attempted to contact the customer but she has not returned any of my messages.

The wire was authorized because either the customer specifically authorized it, or else she gave someone access to her account, which legal precedent says constitutes authorization. 

Ally had a responsibility to vet the transaction with its customer but apparently failed to do so. Chase had a responsibility to not return the wired funds without my authorization but also failed in that regard. I humbly request that CFPB exercise its oversight authority to hold Chase accountable for its illegal action and to return my funds to me.
Consumer complaint received 2019-11-05
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. (GA)

I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there was a collection account reporting as XXXX XXXX in the amount of {$1400.00} for XXXX XXXX. I have never had XXXX XXXX and this account is not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.The fraudulent inquiries are XXXX XXXX XXXX XXXX twice, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, 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. (FL)

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (MI)

IC systems has violated my Federally Protected rights, I have not given IC Systems the prior consent to contact me which violates 15 USC 1692c ( a ).. I do not owe a 3rd debt collector nor am I responsible to pay one pursuant to 15 USC 1692a ( 3 ) this is an alleged debt and you are now on Notice To Cease & Desist all communications from me from all mediums as stated in attachment
Consumer complaint received 2020-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a previous dispute and as I was reviewing my account I noticed another charge that I did not make. I started the dispute process. It now has been 14 days since the claim has been reviewed and I have yet to receive even a provisional credit. I have never nor will I ever have XXXX  so that charge is not mine. I even advised them of my police report that was filed.
Consumer complaint received 2021-09-03
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. (NJ)

I'm writing this complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 40 days and I have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Consumer complaint received 2018-09-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Swe Homes LP (NC)

I have been working with SWE Homes in Texas. I purchase a mobile in XXXX and placed on some land in XXXX, NC, I sold the land and mobile home to someone and they defaulted on the land contact and purchase owner financing of the mobile with XXXX XXXX XXXX. After not being able to locate the purchaser, I tried to contact XXXX XXXX XXXX, I then later found out that XXXX land had file for bankruptcy in XXXX. In XXXX Through research I found out SWE Homes now owns the land. For months I emailed SWE I all written correspondence, inquiring about the loan in order get the home and land back on track. We no success, I find out that SWE Homes / XXXX XXXX now wants to foreclosure on the home. They did not contact me with any alternative plans, no loan modifications, not work out program. They would not respond to my emails or phones call. I never once, hide and disputed the obligation.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (DC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-09
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. (TX)

XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX.Dispute XXXX XXXX, XXXXUnder Dispute XXXX  XXXXUnder Dispute XXXX  XXXX  XXXX XXXXUnder Dispute US DEPT OF ED/XXXXDispute all ftc violations