davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX  and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX, i am a first hand witness to this transaction. this communication is in regard to an account that is currently in dispute. A letter was sent out to the creditors and i made it clear that this account is in dispute and verification has been requested pursuant to 15 usc 1692g ( b ). this letter was mailed on XX/XX/2022 and verification has not been received. this complaint is being made to XXXX so there is a proper investigation made regarding this account. in the meantime, this account must be removed from my consumer report due to not receiving the proper disclosures to opt out of having my personal and private information shared with any nonaffiliated third parties which includes XXXX XXXX or Equifax. 

I declare under the penalty of perjury under the laws of the United States of America that the foregoing is true and correct.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

am an XXXX  worker who holds an account with Chase. This was communicated to Chase at the time the account was opened. Last week I arrived in XXXX for work and contacted Chase to arrange for a wire transfer. My location was clearly communicated multiple times and several agents advised that this was no issue. 

When I initiated the wire transfer, it was flagged and I again called Chase this morning. They advised that not only the transfer was froze, but my account as well. No agent is able to access my information. They advised that I can only unfreeze my account by personally visiting a branch. This is not a regional bank from 1950. This is a massive global entity that operates in nearly all countries. Yet they deliberately misadvise customers about their product and it's availability for members of the global workforce. They falsely advertise the ease of use internationally and allow customers to deposit their salary, then seize that money leaving customers stranded. 

To be clear, if I can not pay my rent or buy airfare in a country like this, I will become highly vulnerable to dangerous and corrupt police. Each and every Chase representative is personally responsible for that. This will become a PR nightmare and legal case for Chase unless they find a solution for myself and all the other international workers.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aqua Finance, Inc. (AZ)

Attempted to dispute account through the credit bureaus. Account is showing completely different info on each of my credit reports. 
FTC requires per FDPCA info needs to be reported accurately. Reported to XXXX and XXXX as a XXXX XXXX XXXX and XXXX shows Collection. There is also a monthly payment of {$87.00} showing on XXXX while no monthly payment for XXXX and XXXX. Date opened for XXXX and XXXX show XX/XX/XXXX and XXXX show XX/XX/XXXX. All 3 credit bureaus show different high credit amounts. XXXX shows : {$8000.00} ; XXXX shows : {$7000.00} and XXXX shows : {$5700.00}. Credit limit on XXXX show : {$7000.00} and XXXX and XXXX show : {$0.00}. XXXX and XXXX show Collection as Payment Status while XXXX shows 120 days late. Date last active show XXXX completely different dates, XXXX shows : XX/XX/XXXX, XXXX shows : XX/XX/XXXX and XXXX shows : XX/XX/XXXX. Also account was recorded as a XXXX  from XX/XX/XXXX - XX/XX/XXXX, XXXX shows XXXX XXXX XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX then XXXX XXXX XXXX XXXX  no info for XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX XXXX XXXXo info for XX/XX/XXXX. XXXX shows absolutely no Credit history. This account is having detrimental effect on my credit and is reporting inaccurately. Therefore account needs to be removed from each of the three credit bureaus : XXXX, XXXX and XXXX to avoid being in violation.
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2021 [ at XXXX XXXX CST ] ; XXXX XXXX [ a friend ] sent me {$1000.00} as he had done at least 3 times in the past [ this year ] using Venmo. 

All past times [ before XX/XX/2021 ] Venmo charged a fee that was consistent with their policy, a fee of about {$10.00}. This time around ; Venmo charged over 3 times the amount ; a total of {$35.00} was charged contrary to their own fee policy. It might not seem like a lot, but when you think about the hundreds of thousands of Americans this could be happening to, it easily scales to an issue warranting a Federal Investigation. 

Over the weekend I emailed Venmo over 4 times, including testimony from the sender XXXX XXXX. At the time of this complaint, I have received no response or refund from Venmo.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (IL)

When Affirm started out the only way to access your account was with the phone number you used while setting up the account. For verification purposes, whatever number that was on file, would receive a text code in order to log in, or for customer service to access the account, or to make payments. Months after having the account and making on time payments I had issues. I changed my phone number ( I switched cellular service ) and was unable to access my Affirm account. I called Customer Service to get my phone number updated and to make a payment and basically Customer Service couldnt help. In order to make changes to the account I needed the code texted to my OLD PHONE NUMBER, which I didnt have. I called several times, tried to make payments and tried to update my information but it was nothing Customer Service could do. The last attempt a Customer Service Agent told me after a couple of days if theres no payment Affirm will call me to try and collect the payment and that he attached my new number. No call happened, I couldnt log on, I called back but nothing happened. Eventually Account went into default then went into collections. At that point I was able to pay, but it wasnt as easy. XXXX XXXX had to update everything before I was able to pay, address, phone number, amount and once it was updated weeks later I was able to pay the bill. Bill was paid in full, Affirm will not update my status as paid in full, and I keep getting declined for future loans because of this. This account is several years old.
Consumer complaint received 2019-12-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (SC)

In XXXX of XXXX my wife and I had a modification done with XXXX XXXX XXXX. About two yeas later XXXX soled this mortgage to XXXX XXXX XXXX XXXX and Fay Servicing collects the payments. In XX/XX/XXXX our payment went up and we just payed it. In XXXX of that same year I called to ask why our payment went up. I was told that we were behind on our escrow by {$2000.00}. I told them that, that couldn't be right. ( This a 20 year mortgage with a balloon. ) I hung up, then about a month later I called back and got someone else and asked that they send me all documents dealing with this mortgage. I was told at this time that they saw that I had {$54000.00} in the rear from a PREVIOUS MODIFICATION. That {$54000.00} is my balloon. At that time I realize that Fay Servicing had added in the balloon into the mortgage. I finally had to get attorney to get the documents I want it, and they only sent the cover pages of the XXXX XXXX, the modification and financial statement that shows that they did in fact did add the balloon to the mortgage. My attorney has tried to get ALL the documents and it has been a year and we keep asking for them with no results. Now I want not only the documents, I want all audio recording of all phone conversation. they broke the law by not letting me know that they want it to make these changes and I agreeing to it, and violated the mortgage agreement. I wonder if this has happened to any one else.
Consumer complaint received 2019-12-04
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: Exeter Finance, LLC. (CA)

I have 12 payments recorded 30 days late. However I received an extension for a few of them and paid less than 30 days late for a few others. XX/XX/XXXX I made a payment XX/XX/XXXX and another payment and another on XX/XX/XXXX I also received an extension for XX/XX/XXXX. I have XX/XX/XXXX recorded 30 days late and I made a payment XX/XX/XXXX for this. My payment for XX/XX/XXXX was marked 30 days late as well and I made a payment for XXXX on XX/XX/XXXX. For XXXX and XXXX of XXXX I was given an extension to be added at the end of my loan however they still reported 30 days late. XX/XX/XXXX was also reported 30 days late which I made a payment on XX/XX/XXXX for XXXX. XXXX was reported 30 days late a payment was made XX/XX/XXXX. XX/XX/XXXX I missed a payment without realizing and called and spoke the them on their recorded line where they told me it wouldnt be reported since I made the payment. From XXXXXXXX XXXX XXXXXXXX  they recorded 30 day late payments. I know my payments havent been on time but they havent been 30 days late. I got the loan when I was younger and made a few mistakes paying a few days late I now understand credit and am working hard to fix it. This is hindering me from getting an apartment and overall has made my life more stressful. I appreciate the time and concern you guys are taking to look into this. Thank you
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services (FL)

Collection letters were sent by BYL Collections for apartment rental agreement that I was listed as a guantor. I never agreed to or even knew that my name had been used for this. I explained this to BYL and on XX/XX/19 they sent me a bill for XXXX with my adult son 's name and an unsigned Guaranty of Lease document. BYL has nothing in their possession that indicates that the collection is valid. They have not done their due diligence to verify the facts.
Consumer complaint received 2019-12-10
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: JPMORGAN CHASE & CO. (TX)

I provided Statements from the Credit Card company showing the date of my first delinquency ( in XXXX and another in XXXX ). I also provided a letter from the Credit Card Company demanding payment and the current past due status of my account. This clearly showed my delinquency occurred in XXXX, and this is when the clock should start ticking regarding the 7 years this negative information should be published on my credit report. 

Based on the information in the supporting documents from the Credit Card Company it is clear this negative account has been posted to my credit report exceeding 7 years. 

Twice now, I have requested all references to this account be removed from my report and both times I have received a response that stated the Credit Card Companies data is correct, and by stating this I can only assume the information I have received from the Credit Card Company back in XXXX and XXXX is not correct or the Credit Card Company is currently changing the information to allow them to continue posting this negative account information on my report.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Park Hill Holdings (AZ)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. 
I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
Consumer complaint received 2019-12-11
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. (TX)

Every month for the past 17 months I have had the same issues with Equifax. It is getting sol old and redundant, not to count that every time I call the company I get different excuse. 

I pay for monitoring, I have the report locked but when I want to access the report I get errors and when I want to unlock the report I am told the system is not working. 

I have now been denied credit over 30 times from various creditors because they also claim that they can not access the report. 

Also Equifax continues to notify creditors that I had possible identity theft and it is causing my accounts to get blocked till I resolve the issue. 

Some creditors claim I have a freeze on the report, I DON'T HAVE A FREEZE. 

My next step is to seriously sue Equifax if they don't knock it off.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 


How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

( 1 ) have sent EQUIFAX all the required documents they requested, but they have refused to remove the freeze and send me a confirmation that the freeze has been removed.

( 2 ) They have failed to provide a free copy of my credit report
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IL)

During my brief marriage to XXXX XXXX XXXX of the XXXX, GA area, he fraudulently secured credit cards in my name by forging my signature. I now have a situation where a credit management company is trying to garnish my work wages as a result of this fraudulent activity. The company is : XXXX XXXX XXXX XXXX. The XXXX  account number is XXXX and the telephone number is ( XXXX ) XXXX. Filed under my name XXXX XXXX ( XXXX ) XXXX.
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MD)

XX/XX/2015, hired a lawyer to handle the complete payoff of our Well 's Fargo mortgage. We questioned close to XXXX in fees and charges. They then sold the house to themselves, and are now evicting us. Spent XXXX on lawyers who wanted more to proceed. Filed suit on our own which is attached. Please review attached documents for detailed story. Thank you, XXXX XXXX
Consumer complaint received 2022-04-21
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. (MA)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report.

Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

I am the co-signer for 3 commercial vehicles through ALLY. The company that the vehicles were financed through filled for bankruptcy in early XXXX, and Ally closed our account and removed access from their payment portal shortly thereafter we must assume. When we tried to make the XXXX payment, we encountered the account closed and portal access removed. We immediately called Ally and were given a set of instructions to mail three separate payments to a PO Box , which we did. 31 days after or so in XXXX, we received a notification from my credit monitoring service that I had three late payments. ALLY claims that they never received a payment, while I spoke to the customer service person, before transferring me to the bankruptcy department, and she said that it was never processed as the account was closed. We never received any communication from Ally that our payment wasn't received or a process for payment, as the co-signer, while the bankruptcy was taking place. ALLY reported it to my personal credit as the co-signer without any communication to me. As soon as we found out that the payment wasn't processed, we immediately made a double payment through the bankruptcy department and set up a bank auto pay, to keep tabs of any future activity.
Consumer complaint received 2021-11-15
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. (OH)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MoneyLion Inc. (CA)

On XX/XX/XXXX I noticed an alert notice from XXXX. It said My credit score had dropped 14 points and I was very concerned. 
I realized it was a company called Money Lion, it says it's a secured loan I've never received any funds from them I've never opened the account and it says it was opened XX/XX/2021, And now it's reporting me 3 months late and it's not and it's not my account. I tried reaching out to the company via the phone number. This is the phone number that they have listed XXXX. When I have tried to call to see what was supposed to have gotten or purchased, it says the number is no longer in service. I'm very frustrated and I have no where else to turn I did a dispute via XXXX on XX/XX/2021.
Consumer complaint received 2022-10-16
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. (DC)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CASHCALL, INC. (OH)

Cash Call constantly harasses me and my husband. They leave messages threatening to come to our place of employment and speak with a supervisor. The use terminology which includes the word federal summons frequently. They have never sent anything on paper through the mail but they call every day from different numbers and unknown numbers. One of their representatives told me the sheriff would be at my husbands job the next day to arrest him. 
We took a loan online through XXXX XXXX about 10 years ago. We paid and paid but the balance just kept getting bigger so we gave up. There was no way to ever pay it off. I contacted the Attorney Generals office years ago and when I told them about the situation I was told the loan violated lending practices. I informed Cash Call of that and they stopped calling me for years but they are back again.