davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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: TD BANK US HOLDING COMPANY (NY)

I have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

There are XXXX persons who are on the mortgage, XXXX of whom are married. However, XXXX party had the mortgage servicer send all correspondence to their address, so the other XXXX persons on the mortgage have not gotten statements. I was paying the mortgage for the amount that I thought covered the monthly payments in full. I just found out that this amount was not sufficient to cover the monthly payment. The servicer will not communicate directly with me about the loan, even though my name is also on the mortgage. I am the mother of XXXX of the spouses, and neither my XXXX nor I have been able to communicate with the servicer of this mortgage. I have made repeated attempts to get up to date information about the loan and have been refused any and all meaningful communication with the servicer.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consolidated Management Group, LLC (MA)

They called my wife telling her they were from an investigation unit and they were heading to my house. After her telling them I was not home they threatened to come to my job. They left my wife a message very rudely stating they need to deliver to me in person a summons at home AND MY JOB. They nonstopped called her. After contacting them they were trying to force me to give my bank account information. They have called my cousin and uncles harrassing them with multiple calls looking for me, even after I called them. All contact needs to be through mail. They need to stop contacting my family.
Consumer complaint received 2022-10-06
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. (FL)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank is complicit in opening fraudulent cards in my name, then when I called for their help, instead of closing the fraudulent accounts, they opened MORE accounts in my name. 

Please help. 

I was informed by the IRS, that I had debt cancellations for this bank, even though I dont have an account with them. The bank could not even find the account I was calling about. But they opened a different one in my name. 

I called on XX/XX/XXXX to report the fraud & get it reported, and on XX/XX/XXXX I got a new card from them, instead of them closing & investigating the fraud. 

They couldnt even tell me when the fraud accounts were opened. They had different addresses for the cards. 

Someone at the bank is in on this scam. Please help.
Consumer complaint received 2021-09-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

When I enrolled at XXXX in 2006 I ended up dropping and transferred to XXXX before graduating. I never received the difference in my financial aide that XXXX received. I tried to ask for loan forgiveness due to this and Navient denied it.
Consumer complaint received 2020-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COLLECTION SERVICES OF ATHENS, INC. (KS)

I have gotten repeated calls from a third party debt collection company based out of XXXX GA - I have contacted them twice to tell them to stop calling as I carry XXXX debt. They say they can't bring up my number so they must not be contacting me. My Caller ID says otherwise. Repeated calls. No messages. Caller ID shows XXXX. The latest hang up was XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

On XX/XX/2021 I logged into my Chime account through the application on my phone. I transferred {$1600.00} from a recent deposit of a grant I received to pay back rent from my Chime account to my connected XXXX account. I checked for 3 days waiting for a deposit that never came to my XXXX account. This was not my first time transferring money from this account to my XXXX and it was successful prior to the {$1600.00} I transferred. I sent chime numerous emails and chats complaining that my funds have disappeared. They assured me that if the transfer fails it was go directly back to my Chime spending account. I sent chime my pnc bank statements showing that a deposit of {$1600.00} was never received. Chime continues to deny my claim and even said that my evidence doesnt prove anything. I want my {$1600.00} back from chime they stole my money
Consumer complaint received 2021-02-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. Capital One granted me a loan to purchase my used XXXX  XXXX XXXX at an interest of 14.83 %. I have more than 1 year with the credit, I have made all the payments on time. 
2. I applied for a loan refinance for an interest reduction and was denied.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Due to the Equifax security breach, I placed a freeze on my credit report on XXXX XXXX 2017. I then realized I need to run my report, so I called back to lift the freeze, & discovered I need to pay {$5.00} to take this action. 
I reluctantly paid as, I needed to run my report, but I am extremely angered about this fee since 1st off it is due to lack of secure diligence by Equifax that I have to place the freeze to begin with! And I foresee Equifax taking advantage & making profits off many by their failure! 
1 Example : I am a XXXX XXXX XXXX who maintains licenses in several states. As part of my annual license renewal, the licensing auth. needs to run my credit report. My complaint is - It should NOT be allowed that Equifax can profit over their 'immense ' lack of security protocol issue & charge consumers {$5.00} each time the lift a freeze. Their lack of security is bad enough for an institution that is holding such delicate private information, let alone not holding them responsible to correct & protect the situation. 

I also have a client that is currently held up to enter a Purchase contract of sale, because Equifax will not lift the freeze off her account via the website or call, but she has to send delicate private info to them via regular mail to their office, ( thus putting herself more openly accessed to fraud ), for Equifax to lift her freeze. On top, through her communications with Equifax, no one is able to explain 'why ' she has to mail in her info & no one will confirm how long this process will take. 
These are MAJOR FLAWS. 
2 Credit Bureaus suffice. 

Thank you
Consumer complaint received 2022-08-11
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. (PA)

On XX/XX/XXXX I received a copy of my consumer report and recognized some accounts that do not belong to me. I requested the bureaus investigate as well as provide me with any contract bearing my wet ink signature on it. I also filed a FTC Identity theft report. I want these items removed immediately. I did not authorize these accounts I have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX These 5 duplicate accounts need to be verified or deleted
Consumer complaint received 2022-08-11
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. (PA)

On XX/XX/XXXX I received a copy of my consumer report and recognized some accounts that do not belong to me. I requested the bureaus investigate as well as provide me with any contract bearing my wet ink signature on it. I also filed a FTC Identity theft report. I want these items removed immediately. I did not authorize these accounts I have no knowledge of them. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX These 5 duplicate accounts need to be verified or deleted
Consumer complaint received 2021-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

XX/XX/2021, we received a tax delinquent notice that was supposed to be paid through our escrow account. The original amount was {$980.00}. I contacted Amerihome and was told over the phone that the bill would be taken care of and that the process was just delayed. However, in XXXX, I received a formal delinquency notice with a fee attached to the same bill I was notified back in XXXX, this time in the amount of {$1000.00}. Again, I reached out to Amerihome. I was then instructed to send an email of the letter and they would take care of the issue within 10 days. I never received a notice from Amerihome. However, I did receive another delinquency notice of the same tax bill in XXXX with another fee added to the amount of {$1100.00}. I therefore reached out a third time to the company and received instructions to repeat the process of emailing the delinquency notice and waiting 10 days before having it resolved. Within the 10 days, I saw that the bill was paid along with the fees directly out of our escrow account to the full amount of {$1100.00}. When I reached out asking why the bill and the fees were directly paid out of our escrow, we were then told that the tax bill was not their responsibility. Firstly, I would have appreciated being told before all the fees were added so I could have figured this out myself. Secondly, this is the first time in years of living here that we have received a delinquency tax notice that was not the responsibility of Amerihome to pay through our escrow. We have been paying all of our taxes through the escrow just fine previously, so I am not sure how they can decide one year that the tax bill is not their responsibility to pay. 
Later, as of XX/XX/XXXX, we then received a delinquency notice of our Home insurance. To prevent cancelation of our policy, we paid the month directly out of pocket to the amount of {$270.00}. In discussing this with Amerihome, they are claiming that the house insurance company has not provided any info for them to pay. I am not sure what info was required because we have used the same exact house insurance company since the purchase of the house. In discussing the issue with our house insurance company, they stated that Amerihome was simply not paying the renewal insurance policy.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

I have received repeated calls from Diversified Consultants Inc regarding XXXX/XXXX  service that I canceled and owed a balance on due to programming and equipment fees that I have paid and the equipment has been sent back and therefore I have zero obligation to this debt. The programming fee of {$55.00} was drafted from my account on XX/XX/2019 ( See attached PAYMENT.jpg ). The equipment was taken to the XXXX store on XX/XX/2019 as I was instructed ( see attached .pdfs ). From that point it was the responsibility of XXXX to ship the equipment to XXXX/XXXX. .As the attached recording proves I contacted DCI on XX/XX/2019 to inquire if the equipment had been received and while on the call made the payment arrangement for the programming fee. I have since received at least two more calls from DCI stating that I still owed a balance to which I dispute. I instructed the last caller to cease and desist from calling me and that I would be filling this complaint. I will seek legal counsel and file suit for any additional calls.
Consumer complaint received 2019-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

a hard inquiry was added to my credit report from XXXX XXXX. i never applied for a loan from their company. When i contacted them, they could not find any information on my file. i gave them the last 4 digits of my social security number and they still couldn't locate my file. Two days ago i received a letter from them stating that i had applied for a loan and my application was incomplete. the letter also stated that because i had an apllication that it authorized the company ( XXXX XXXX ) to actually inquire into my credit which resulted in an hard inquiry on my file. i made another contact with the company after i received the letter. They tried to tell me that i had an application on file with their company but they did not believe the social security number was accurate. i asked them to just remove the hard inquiry from my file. They told me to contact transunion as it may be fraud. i only want them to correct my file to reflect what really transpired. this matter has become complex and i believe this is very simple.i need your assistance in this matter ... Thank You
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I weve into a XXXX  on XX/XX/21. Upon check out I was told by the cashier I could apply for a point system and get 15 % off. I was told it would not affect my credit score. The worker said there was an error message and the company would alert me by mail. When I got home I saw alerts from Experian that I had a new credit card inquiry. I alerted the company and they told me to write a letter to dispute it. The other credit bureaus removed the report. However, I checked yesterday and Experian still has this incorrect inquiry on my credit report. This is very concerning because they also have incorrect information about my bankruptcy including false amounts on multiple accounts and my student loans are not listed as forgiven as they should be.
Consumer complaint received 2021-09-10
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. (PA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors, please delete the items as soon as possible.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

i wrote a letter to this company dated by in XX/XX/2018 this company failed to respond to me. I've since then reached out the the credit companies and still haven't gotten any where with this debt that is supposedly owed. I don't know what this debt comes from.
Consumer complaint received 2021-02-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

Please see complaint filed # XXXX which I filed yesterday! Today I received a payment history which shows my original principal balance was {$340000.00}. This is a mistake on behalf of The Money Source, our original principal balance was {$330000.00}. 
They have change our payoff amount to reflect the above.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

This is a complaint against XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Mn. 55125.My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca.XXXX.Some time ago I opened a checking account at XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX added a feature called " bill pay '' without explaining to me that there were risks involved in having that feature, and they then paid XXXX fraudulently submitted bills out of my checking account without asking me whether the bills were legitimate, which they were not. I was then held " responsible for the " debt '' so created, and reluctantly paid it off as soon as I could, even though it was not my fault. Nevertheless the matter was reported to XXXX XXXX by the XXXX XXXX and XXXX XXXX has been barring every attempt by me to open a new checking account, such as at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and so on, all based on derogatory information from XXXX XXXX  XXXX XXXX XXXX XXXX even closed down my existing checking account based on derogatory " information '' from XXXX XXXX   XXXX XXXX XXXX has no business causing me harm this way, especially since I paid off my falsely create " debt '' so-called to XXXX XXXX XXXX XXXX XXXX and have had no defaults anywhere. I called XXXX XXXX   over the phone but received no satisfactory information from them. They would " disclose '' nothing. They would not answer any questions nor provide any relief. I appeal to CFPB for help with this problem created by XXXX XXXX XXXX and would like CFPB to stop XXXX XXXX from doing all this to damage my reputation. Thank you, and I look forward to a favorable response.
Consumer complaint received 2018-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

A capital one 360 checking account was established on XX/XX/XXXX. On XX/XX/XXXXI attempted to link this account with XXXX for fund transfer for investing. I was unable to complete the process getting an error message " Capital one is blocking you from enabling external applications ''. I called capital one and talked with a supervisor and was told the were blocking me because the account was new. This may go away after 15 or 30 days. But he also added it may not.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

From XXXX transactions, SLS reported {$66000.00} as an " amount paid '' by the borrower with a " beginning balance '' on the account of {$66000.00} and no other charges or fees. See attached XXXX Form 1098. In XXXX, SLS claims these XXXX transactions no longer equal XXXX. See attached SLSXXXXResponse. SLS claims what they are reporting as an " amount paid '' by the borrower was in fact an external transfer to another servicer.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (WI)

On XX/XX/19 I made first contact with IQ Data about a debt that appeared on my credit report. I asked to know how much the debt was and asked if it was payed in full if I could receive a letter of deletion. I was given 2 amount that could be payed, with the second, full amount guaranteeing me such. I needed time to attempt to contact the other party of this " shared debt ''. When i could not reach the other party i called IQ Data back and asked for a debt validation letter. XXXX threatened that if I wanted one there was no possibility of receiving the letter of deletion I had asked for. Telling me that exercising my rights was " taking a step back. '' I feel it unfair, when I had never been contacted before, and never showed any ill faith about paying the debt that I was treated so poorly by someone who works for a company who's slogan indicates that they seek to help in a courteous and fair way.
Consumer complaint received 2021-07-08
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: AC AutoPay LLC, Denver, CO Branch (CT)

Im on a joint auto loan with my girlfriend and when she decided to refinance with AutoPay, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my XXXX  report from XXXX XXXX company I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?