davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Rocket Mortgage failed to make my insurance payment in XXXX of XXXX, resulting in a nonrenewal/cancellation of my Homeowners Policy. This went unnoticed by myself and them until I failed a claim in XX/XX/2021 with the insurance company. At that time after numerous calls to correct the problem Rocket Mortgage put in place a " Lender Placed Policy '' at the cost of $ XXXX and backdated it to XXXX of XXXX. The policy they replaced includes no coverage for any personal liability. After contacting both Rocket Mortgage and XXXX, the policy issuer I was told they would mirror the original policy. I have requested proof of coverage a number of times in both calls and emails but no written policy has been provided. XX/XX/XXXX of this year they debited my escrow account {$1100.00} for the coverage issued on XXXX XXXX. I obtained a new policy of my own in XXXX due to this high cost, so the policy was in effect approx. 30 days. Under Florida Statute 501.137 if a lender fails to make the payment from escrow, they are required to pay any costs incurred above the previously issued policy, for a period of 2 years.
Consumer complaint received 2022-09-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

My lender, Shellpoint mOrtgage services incorrectly added lender placed insurance to my account in late 2021. I notified them that this is incorrect and provided the documents to have this removed. The insurance was removed by they did not refund me until after reaching out to them over 10 times but I was only partially refunded. I am still owed over {$5000.00} and they just transfer me from person to person requesting additional information from me with no way to get the problem fixed. I need help!! 

total paid in lender placed - XXXX amount refunded- XXXX
Consumer complaint received 2022-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I was on a COVID-19 Forbearance plan with my previous servicer and then my loan was transferred to Mr. Cooper. I informed the new servicer my hardship has ended and I was ready to pursue a post forbearance option. The servicer collected some financial information and weeks later I received a letter in the mail dated XX/XX/XXXX saying I was denied for a FHA HAMP Modification due to excessive obligations in relation to income. I reached back out to the servicer to determine why I was denied and to ask if I was reviewed for all available options. The agent I spoke to claimed I was reviewed for all options and they gathered updated income information from me. I later received an approval dated XX/XX/XXXX for the FHA HAMP Modification but the payment increased by {$700.00}. I then received a letter dated XX/XX/XXXX saying I was denied for a Partial Claim due to exceeding statutory maximum and denied for a FHA Disaster Modification due to insufficient monthly payment reduction. I shared this information with a close relative who works in Loss Mitigation who suggested I call back to specifically ask if I was reviewed for FHA 's COVID-19 Advanced Loan Modification ( ALM ) and FHA 's COVID-19 Recover Modification. The agent I spoke with wasn't aware of those programs. I attempted to escalate by asking to speak with a Manager. I was informed all managers were in a meeting and that a call back request would be submitted. I was told I should get a call back within 48 hours. Two business days later I called back because I didn't receive a call back from a manager. The agent said there is an appointment for a manager to call me back at XXXX the following day which was beyond the 48 hour response I was promised. The next day, I didn't receive a call back at XXXX as promised but I waited until XXXX XXXX which would have been XXXX where the servicer is located before calling back in. I spoke with another agent to inquire about the manager call back and my review for FHA 's COVID-19 ALM and FHA 's Recovery Modification. This agent wasn't familiar with those options either and she claimed I didn't qualify for the FHA Disaster Mod due to not being current as of XX/XX/XXXX which contradicts what the denial letter disclosed. Both COVID-19 ALM and COVID-19 Recovery Modification does not have a requirement for the loan to be current as of XX/XX/XXXX nor does there has to be a payment reduction as mentioned in the previous denial letters. The COVID-19 Recovery Modification would be beneficial for me because it offers a 40 year term combined with a Partial Claim which would offer a payment that's roughly {$400.00} less than the modification I was approved for.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY (NJ)

Nordstrom credit card reported to XXXX XXXX, XXXX, and XXXX that " I Disputed the Account After Resolution. '' This is inaccurate. I requested through each credit reporting agency to have that removed as a comment on the account because I never in writing or verbally disputed the account and those comments disqualified me from obtaining FHA refinancing on my home. Nordstrom replied to the credit reporting agencies that the comments on the report were valid but never sent me proof that I disputed the account. I am requesting that Nordstrom show me written or verbal proof that I disputed the account or correct it on each credit reporting agency.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank extended an offer to its credit card holders a promotional benefit in the amount of a {$10.00} credit for purchases made at XXXX when using a registered Chase credit card. Provided here is the link to Chase XXXX XXXX 's announcement : https : //media.chase.com/news/chase-and-gopuff-partner-to-give-cardmembers-new-benefits I followed the requirements, namely using an eligible Chase credit card, and made a purchase at XXXX on XX/XX/XXXX and XX/XX/XXXX using my Chase Sapphire Reserve credit card. 

I called Chase on XX/XX/XXXX to inquire about receiving my statement credits and was told I could expect to hear back within 5 business days. I did not receive a reply, so I called again this morning and was informed that due to a company name change ( from XXXX to XXXX ) I am not eligible to receive the credits. I do not understand what a company name change - something of which I have no control over - should somehow make me ineligible for a statement credit, especially given the fact that I followed all the requirements as listed on Chase Bank 's own website.
Consumer complaint received 2022-01-13
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. (LA)

I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (MD)

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Experian and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX  INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (IL)

My name is XXXX XXXX, a federally protected consumer. I am filing this complaint against Equifax for reporting a collection account without reference to the creditor name, address, or phone number. Please see attachment labeled Equifax Exhibit A.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, I had {$1100.00} transferred out of my account to an unknown account that was under my name. I did not authorize this, nor did I make that account. After contacting chase and informing them it was fraud, they returned my money on XX/XX/XXXX. On XX/XX/2022, they concluded their investigation and determined that there was no fraud at hand, and once again removed the {$1100.00} that they had given to me back. I called chase again, and they said I should go make a police report and then come back, and the case would be reopened. I made a police report, and they were able to give me information on where my money went to, however they told me I would have to call that bank and close my account there and ask for my money back. I called the bank XXXX XXXX XXXX XXXX and they found the account and closed it, however, we're unable to return my money and told me to talk to chase about it. I called Chase and they said my claim was still denied, despite making a police report and doing what they told me to do. They told me to return to the police and ask them to investigate, however, the police said they can not do anything as they have no jurisdiction out of state. At the moment, I'm stuck.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

My account is new. 2 checks got deposited one of them bounced back the 1st 1. The 2nd one cleared I have the money in my account my account is not closed And there's no way I could touch it or use it is it and when I call a bank the they keep giving me the back-and-forth run around. I Have your family and have bills to pay and it's not fair that I can not touch my money
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (VA)

While I was attempting to do a refi on my mortgage, I was told by my mortgage company that i had a default payment on a student loan from XXXX. I have never taken any courses at XXXX. This is the information I received ( Dept of ED- GUARANTEED, Case # XXXX, Authorization # XXXX. ) I have no Idea why this was on my credit report.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank has consistently lowered credit limits and even closed my accounts that were always paid on time and were in good standing! This has created problems with my XXXX XXXX dropping. Two of the accounts they closed were two of my longest standing accounts, were used and not inactive, and paid every month on time for over 10 years!
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1000.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1400.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Amount : {$1100.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
Amount : {$1600.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-13
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. (TX)

IN ACCURATE INFORMATION ON CREDIT REPORT. DOES NOT BELONG TO ME. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$43000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$650.00}
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

In late XXXX I refinanced my home loan with XXXX. My first payment was due on XX/XX/XXXX, which I paid early to ensure it was effective on XX/XX/XXXX. I was later notified that my mortgage was sold/transfered from XXXX XXXX XXXX XXXX XXXX XXXX ) to Mr. Cooper on XX/XX/XXXX. I don't know the exact date, but in mid XXXX Mr. Copper started showing my mortgage was past due on their website and in letters to me. I called to explain I paid my XX/XX/XXXX payment to The Money Source and asked how I could help get this corrected. I was told there was nothing I needed to do and that there was a 60 day grace period. On XX/XX/XXXX I receive a letter in the mail from Mr. Cooper stating I was in default for being over 30 days late and offering me options to short sell my home. I immediately called and was sent through the debt collection department as part of trying to clarify that I believe it was a mistake. After being asked about if I was in financial trouble, asked for additional personal contact info, they eventually acknowledged the payment was received and I was not in default. They then proceeded to offer me options to buy additional services through them. It is wrong that a mortgage company would notify a client that their mortgage is in default and past due during the first 60 days after a loan is transfered/sold when payments were made on time.
Consumer complaint received 2019-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica (CA)

doing busness with direct express field a dispute with them way back in XX/XX/XXXX in the amount of {$87.00} usd i saw an ad on XXXX for a scooter from XXXX XXXX i gave direct express all the paperwork and emails from her saying that i tried to cancel six times direct express refuse to help me they would not help what due i due just want XXXX bucks back
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

A company called "  Jefferson Capital Systems ' ' is trying to collect a debt. They call my place of employment literally every day. I wrote them a letter to stop contacting me at my place of employment. They continued to call me at my employment plus leaving messages as well.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2022 my phone number was not working tried to recover it at the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX representative stated the phone number was transferred to another person with another cell phone company which I did not authorize. XXXX representative and I called the phone company holding my phone number they stated unable to release my number back since the number is protected by whoever has this number. The next day I realized a notification email from 2 different bank wire transfers, XXXX transfers, and XXXX XXXX XXXX. the total amount of {$26000.00} was stolen from my account. 
I was able to get a refund from XXXX XXXX for {$5000.00} but Well Fargo bank did not accept my claim even escalated 3 times. I already made a police report and an FTC report.
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (VA)

I have been getting phone calls from a company claiming to be aargon collection agency using my fathers name. They keep harassing my phone number and call from different lines in Kentucky. When I call the number back they do not identify themselves nor want to provide contact information. They are very rude aggressive and unprofessional, I went on their website to submit an inquiry and they respond back without a signature line. When I asked for their information they mention that under federal regulations they are not allowed to provide that information. When I submitted an inquiry they mentioned MS . MALE NAME - they want to speak with a SHE but reference a male name which makes no sense.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax refuses to report accurate information on my credit report which is a violation of 15 U.S. Code 1681 as this is unfair and unlawful. I have been affected for over XXXX  years and this may be discrimination. This company has failed to comply with FTC and is at the fault for being noncompliant.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX since XX/XX/2021. My PayPal account : XXXX has stucked funds in it that i have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For identity verification, I attached my valid ID. Please see attachment.