davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC (CA)

Security Credit Services/ Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from XXXX XXXX XXXX. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax XXXX, GA XXXX Or XXXX, PA XXXX Or XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX ACC # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

The problem lies with that Equifax will gladly mail a copy of the credit freeze to my foreign XXXX address, however will not allow me to login and view the data. Regardless of how many attempts to speak with an agent or email the request, the account remains locked for some reason. Besides, Equifax does not recognize that US citizens living abroad are also US consumers. This creates a problem for many individuals, who are just trying to view their report and ensure that the data is correct. However, creating a lock on the account for some unknown reason creates suspicion of other activities. From the email, " You will also receive a confirmation in the mail, which will go to your address in XXXX ; '' and " The security breach was reported on XX/XX/XXXX, Equifax made available to all U.S. Consumers on XX/XX/XXXX called XXXX & XXXX. '' In the meantime, this is the continued error that Equifax produces when attempting to login into myEquifax account : https : //my.equifax.com/membercenter/ # /login/error/mc-customer-care
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

My wallet and phone were stolen from me on the night of XX/XX/XXXX at an event in XXXX XXXX. I reported 3 credit cards stolen the next day and disputed several unauthorized charges and those charges were all reversed. For one of the stolen cards ( Chase Amazon XXXX Visa ), I later received a letter saying the dispute had been investigated and they had determined that the disputed charges on that card ( two at a bar near where the theft occurred and one at XXXX ) were valid, and I was responsible for them. I called and they told me that they had determined that since the charges had been made in person and not online they were therefore valid. I explained again that the physical card had been stolen and not used by me, and filed another dispute, which was again dismissed. Finally, in a third dispute I provided police reports of the theft and insurance claim made for the stolen phone as supporting evidence, and again received a letter that my claim had been " thoroughly investigated '' and the transactions were still deemed valid, and that I was therefore responsible to pay for those charges. I have held this card for 15 years and the amount in dispute is {$410.00}. I have witnesses that my wallet was stolen and I reported the cards stolen to the credit card company the next day. I did not make or authorize the charges in question, and will so testify under penalty of perjury. I understand that under the law and my cardholder agreement I am not liable for unauthorized charges. However Chase 's Fraud Department, without explanation or discussion, refuses to uphold this agreement and to reverse the unauthorized charges in question.
Consumer complaint received 2016-10-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (SD)

My life changed drastically back at the XXXX, and my payday changed also. I called and asked LoanCare if they would please move my due date out a few weeks. They refused stating it is a contractual agreement. Well, hello! Life freaking changes, how am I supposed to know we would have a tragic death in the family and that my employment would change. If this company has even an ounce of human compassion they would change my loan due date by 12 days, and it would n't hurt them in the least, but we are just a number to them. I ca n't wait to get my loan picked up by a VA refinancer. LoanCare is the worst mortgage company I have ever dealt with.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

Venmo stated I violated their terms and agreement. I asked what I have violated, they did not have an answer. They permanently deactivated my account with { {$1000.00} } still pending to be deposited into my account. Now they say they are keeping it for 180 days and will no longer answer my questions.
Consumer complaint received 2022-04-13
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX Acct XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (OH)

Apple - Goldman Sachs does not accept United States Postal Service po box as a legitimate mailing address vs. a physical billing address.

Millions of Americans especially in rural areas rely on a USPS po box , to prevent mail theft, identify theft, etc that stems from rural mailboxes being isolated and unattended.

Yet the financial services companys expectation is that consumers who pay by mail have to mail their checks to The Apple Card payment address which is : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I deal with XXXX, XXXX, XXXX, XXXX XXXX and other using a USPS po box , no questions asked.
Consumer complaint received 2016-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XXXX I sent a letter to Bank of America and spoke with XXXX different employees of Bank of America. XXXX XXXX, Manager of the Short Sale Dept, phone XXXX, assured me he will have an incorrect report to my credit report corrected within 5 business days - or by XXXX/XXXX/XXXX and he would send me a letter of correction. He said it would take 30 to 90 days for the credit reporting agencies to make the correction. 
Bank of America reported that I owe {$64000.00} to Bank of America as a result of a short sale. 
Bank of America prepared documents signed by me stating the bank accepted payment in full when the property was sold XXXX/XXXX/XXXX to a new owner. There were no further costs to be paid by me and I did NOT sign a promissory note agreeing to pay any additional amount to Bank of America.
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, my name is XXXX XXXX and I have for the past 6 months reached out to XXXX, XXXX, and equifax in hopes of fixing my credit submitting all information required such as identification, dispute items, with account # s and still to this date I have had no traction in my disputes. XXXX for the past 3 months have been sending me my results for the disputed accounts pending, then saying its completed with an empty report # saying I have to pay {$20.00} for the results and then saying it can not be found. The debt I am disputing is still unverifiable nothing has been sent to me and I am just trying to get an apartment in which I can not have my credit fixed for the life of me. As these reporting agencies are just taking advantage and violating FCRA laws in which they just are not responding especially XXXX, XXXX and Equifax.
Consumer complaint received 2022-09-15
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. (OH)

Ive noticed some unauthorized inquiries and account on my credit report, According to the ( FCRA ) these are unverified and unauthorized items and I would like them to be removed from my credit report. 

Inquiry : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX DATE : XXXX XXXX, XXXX Account : XXXX XXXX  DATE : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-12
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. (TX)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-04-19
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: ONEMAIN FINANCE CORPORATION (TX)

One XX/XX/XXXX when signing the original loan documents papers with Onemain Financial. During the signing process the loan representative changed the original loan documents causing the original loan approval to be deleted. The loan representative keep trying to get the loan reapproved but his actions resulted in multiple hard credit inquires and letters that the loan was declined. I was finally able to sign for the loan on XX/XX/XXXX. I called XXXX  but was told that I need to file a police report and send them a copy of the report. They refused to open a dispute. 
I mailed a letter dated XX/XX/XXXX to Onemain Financial disputing the multiple hard inquiries. I confirmed, by phone, that the letter was received on XX/XX/XXXX. 
Their response was to send me letter why my loan was turned down instead of investigating the issue. I have made several calls to get a update on my dispute but only receive a run around. My last contact with Onemain Financial was on XX/XX/XXXX. I was told that my file was given to someone who was investigating the dispute and finished it XX/XX/XXXX. I was also told that I may to start the dispute process over.
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Io, Inc. (VA)

The debt collection agency " Receivables Management Systems '' in XXXX, VA at XXXX attempted to collect a debt from medical fees. The only bill I have received included only a total balance, account #, and contact information for the company. No information was indicated as pertinent to dispute, nor was a right to dispute included. Nor was information sufficient to validate the amount of the debt provided - specifically, I requested an itemized bill so that I could verify individual charges before I agreed to the total, and they have refused to provide an itemized bill. It has been several weeks since I requested that information.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I paid my mortgage and second mortgage off in XX/XX/2022. I sent the payoff notice to the credit reporting agencies and there has been no update. XXXX and XXXX returned the dispute as certified correct. Which is a violation of the FCRA and was in fact incorrect. The information has been submitted numerous times and no update.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax XXXX XXXX, GA XXXX Or XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX SS XXXX DOB XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX CR ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX SS XXXX DOB XX/XX/XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (CT)

I just went through a bank merger from Peoples United to M & T bank. Upon access to my new online account, I discovered incoming ACH payments are displaying the senders social security number. 

I tried calling them but I can not get through on the phones because they are flooded with issues related to the merger.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TN)

Hi, I have tried now 7 times to get my date of birth corrected. It stays corrected for about 1 to 2 days and reverts back to the wrong birthday. The most recent Equifax dispute numbers are XXXX, XXXX and XXXX. Again it was corrected for 1 day and reverted back. I filed a CFPB complaint XXXX and again it was corrected but reverted back in 1 day. I have spent several dollars trying to correct this and buying credit reports. What will it take to fix my birthday to XX/XX/XXXX?
Consumer complaint received 2022-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

I'm a XXXX old XXXX female & sole owner of my home. I got several months behind in XXXX due to covid. My housemate could no longer help & I struggled to get him out so that I could get someone in to help me financially. I finally got him out in XXXX of XXXX & my son moved in to help. From XXXX of XXXX to XX/XX/XXXX, I made consistent payments until my mortgage co ( Fay Servicing ) sent that payment back & informed me they would no longer accept anymore payments until I paid the arrearages of approx {$7000.00}. I had no way of catching up until I could apply for assistance thru the XXXX Program. I called Fay & was told I could file for Loss Mitigation so on XX/XX/XXXX, I faxed over XXXX pages of documents from XXXX XXXX. Weeks later I was informed that the application itself wasn't filled out so on XX/XX/XXXX, I faxed over XXXX pages & haven't gotten any response on my application, only monthly statements saying how much I owe including lawyer, title search & other fees. I've checked XXXX XXXX application dates to file but saw notices that they weren't accepting applications yet. I did inform Fay Servicing that I was waiting to apply so I could get caught up with arrearages but got no response. Also, adding that I was told to fax & forward all documents relating to Loss Mitigation application to XXXX XXXX which I did. Now I owe over {$14000.00} & still no reply about my application. I've emailed them & get no reply. Lately they call, let it ring XXXX time & hang up. I'm going thru multiple testing procedures for XXXX  XXXX & the stress is XXXX XXXX XXXX because I'm scared of losing my home. I hope you can help get some answers. Thank you, XXXX XXXX
Consumer complaint received 2022-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (TX)

I got a lease-to-own loan from Acima on XX/XX/XXXX at XXXX, this had a 90 days payoff/buyout. I made all automated payments and paid off my account on their portal for XXXX on XX/XX/XXXX which was the payoff option on the portal. 
Last week Saturday at XXXX pm XXXX ( 3 months after payoff ), I got an email from Acima about my least past due and they were processing my card on file for a payment of {$300.00}. Then i called their customer service to ask why they were trying to charge my account after paying off the loan. The customer service rep said their was another payment on XX/XX/XXXX that was pending and didn't go through that why the account was reopened. I did not get a pending charge notification like they do for for the payments of XX/XX/XXXX - XX/XX/XXXX, and my bank did not see any charges from acima which was rejected. 
While asking for all my payment history that was deleted from the Acima portal and instructing them not to charge my account until they provided detailed record on my account the customer rep hanged up on me. 
I went on to send an email to their customer support XXXX XXXX. 
Sat XX/XX/XXXX XXXX PM Hello, I have fulfilled the payoff on this account on XX/XX/XXXX and do not authorize any further charges on my account till I have been provided a payment statement on this account to show any money that was never processed according to the Acima representative I spoke to today Saturday, XX/XX/XXXX at XXXX XXXX who hanged up without providing any information on getting my payment statements that were removed from the Acima portal. 
I do not have any emails of any payment charge pending for XX/XX/XXXX, or any email or notification of a failed payment for the month of XXXX from Acima or my bank, till today XX/XX/XXXX at XXXX XXXX  stating my lease renewal payment with Acima is past due. 


Date XXXX paid XXXX XX/XX/XXXX paid XXXX ( XXXX ) XXXX paid XXXX ( XXXX ) XX/XX/XXXX paid XXXX ( XXXX ) XXXX paid XXXX ( XXXX ) XX/XX/XXXX paid XXXX ( XXXX ) XX/XX/XXXX paidoff XXXX ( XXXX )
Consumer complaint received 2022-10-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

this compay credit collections service have my personal information i do not have any relationship with them nor any paper work how did they obtain it? 
if so ask them to render these original document for the job. if not its fraud they are on some pass the hot potato business model
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was recently scammed and Bank of America is holding my liable for the sum of {$47000.00}. They closed my accounts and took all of my money in checkings account and savings account even after explaining to them that i was scammed. I have no money to my name and no way of paying this amoung.
Consumer complaint received 2022-04-12
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. (FL)

I have disputed some accounts that has been reporting wrong info, they said they have investigated, and still reporting wrong info. I have advised them to delete that account, because according to FCRA they are reporting wrong information and had provided proof of wrong information.
Consumer complaint received 2022-04-12
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: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX I purchased XXXX  earbuds online using my apple card. It was the first time for me to use an apple card. On XX/XX/XXXX I returned the earbuds for a full refund. I did not realize that the original purchase on XX/XX/XXXX resulted in a {$5.00} cash reward. I incorrectly assumed that since I returned the item so quickly, the reward would be removed from my account. That {$5.00} turned into an amount due on my card. I never received a statement from XXXX  so I had no idea this was a balance due. On XX/XX/XXXX I noticed my credit score went from XXXX to XXXX. When I researched the reduction and realized it was from the {$5.00} charge on my apple card. I immediately paid it, not even knowing what the {$5.00} charge was for. At that point I did not care, I wanted my account up to date. On XX/XX/XXXX AFTER I paid the balance, XXXX  hit my credit score again. My credit score is now XXXX. I filed a dispute with all 3 credit agencies and XXXX XXXX admitted they should have just removed the cash reward balance from my account since I had not spent the reward yet. XXXX  also admitted they were wrong to hit my credit again on XX/XX/XXXX after I had paid the bill but yet all XXXX credit agencies are saying my credit score is correct and they have closed my dispute. 

A person with a credit score of XXXX does not ignore {$5.00}. I had no idea this was even on my apple card.