davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I disputed some inaccurate inquiries on my credit report due to fraud and a collection account that is not mine because I have no signed, notarized contract or document between myself and that collection agency for them to collect a debt from me and the credit bureau will not remove it. These items are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX I also have a revolving account that has late payments that they refuse to remove. Those payments were late during the height of the COVID pandemic and according to the CARES Act, those late payments were not supposed to be reported : XXXX XXXX Account Number XXXX XXXX Account Status OVER_120_DAYS_PAST_DUE Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type LINE_OF_CREDIT All of these items should be rectified on my credit report. It has a fraud alert on it since last month.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (PA)

I paid mortgage to Everbank ( Everhome Mortgage ) and money for Flood insurance, although my home is not included in the sinking area. I asked the company to remove payment for Flood Insurance with me this payment as it was burdensome for my family budget. Because of this, I 'm too used my credit cards for ordinary routine payments. Now Everhome Mortgage decided that my house does not need insurance. However, I would like to ask for the money back, for all the time that I was paying this insurance against my will, if it is technically possible. Thank you.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

I recently contacted Chase, a third party ( Equity Accelerator Program ) that was taking payments on my loan and forwarding to XXXX XXXX. I needed to stop the automated withdrawals according to XXXX since I was on my last payment and they would not accept an automated payment for the last payment. Chase requested my husband 's social security number in order to stop the payments ; however, my husband is not on the note and never has been, he is only listed on the mortgage since we reside in Florida. I tried to explain this to them and they refused to stop the withdrawal. I do n't think this is acceptable.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

A scammer is using zelle with the number XXXX ( XXXX ) XXXX as XXXX XXXX. The number responded saying it wasn't her but when I tried requesting my payment back through zelle, her information popped up. I wasn't able to access my zelle at the moment so I had XXXX XXXX them to the account $ XXXX! Her XXXX is @ XXXX. She also has another zelle account under " XXXX XXXX  '' which they requested a zelle transaction which shows it is from XXXX.
Consumer complaint received 2022-10-08
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)

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681section 6 o 4a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

The last letter I sent to the credit bureaus was XX/XX/XXXX and yet they have failed to respond to my written letters. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and must be delete immediately : XXXX XXXX XXXX CO Date Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX XXXX  Date Inquired on XX/XX/XXXXXXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXXXXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I send letters to Experian three or four times to remove my personal information that i dont want in my credit report. 
The personal information is a address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2022-05-05
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: Mr. Cooper Group Inc. (AR)

I had a FHA mortgage with XXXX from XXXX XXXX XXXX with good standing however was transferred to Nationstar Mortgage LLC XX/XX/XXXX and home was taken over by a real estate agent and I was locked out of home in XX/XX/XXXX after he entered home without legal course and took everything out of the home. I had made numerous complaints to various authorities about their practices to no avail for they were taking out fees, late fees, inspection fees, advance corporate fees, admin fees, etc with my escrow depleting it and then allowed a third party company XXXX XXXX out of XXXX to release my personal information to keep me in a position to where I was unable to refinance, making my credit score get down into the XXXX 's at some points and then continued to push me into a corner for inability to seek resolution while being denied for XXXX due to my XXXX XXXX  being altered by someone according to what they said, it was altered by their doing not mine. I felt that they were invading upon my privacy as a consumer and person that was unable to seek resolution from these people. I now have a foreclosure on my report and they did not have proper legal recourse to the home. When speaking to them they have stated it was an XXXX to foreclosure to short sale, so there are discrepancies with my credit in the amounts, dates, and other relative information on credit report to them also reporting an account being open until XXXX when I was forced out in XX/XX/XXXX. They have told me that the account was still open and had activity which was not my activity however the real estate agent as well Nationstar that needed to be responsible for said information not under my account number, there were other chain of events overall from XXXX XXXX XXXX  as well that I have not included in this complaint due to the numerous events that continued to occur. They continue to report inaccurate information to limited data on credit reports and I am seeking to have some resolution.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

In accordance with the fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX ) XXXX ) ( 2. ) XXXX XXXX XXXX {$1900.00} ( 3. ) XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

We close on our loan in XXXX of XXXX. This was a new construction home where the XXXX was responsible for paying XXXX taxes. In XXXX of XXXX we received a delinquent tax notice for our school taxes due in XXXX of XXXX. I called citizens to pay the delinquent tax bill However they charged us for the school taxes even though they were not our responsibility. Also at this time our tax lines were updated to XXXX tax amounts which were for land only and not including the home. We received an average escrow check for {$2600.00} some change in error. I called citizens again to let them know they needed to reimburse our escrow for the school base amount that was not our responsibility and to correct the tax lines because we did not have an overage. I have reached out to citizens on multiple occasions since XXXX trying to resolve and fix their error however it has not been fixed and I am still out the money for the school taxes that they took from our account in error. My last contact I emailed them the estimated amounts that I received from our county and school for them to update the tax lines and the response was that they were in the process of looking at something else and that they didn't need to look at the new request. This has been a very frustrating ordeal.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

This company added a collection to my Credit bureaus saying I owe a debt from 2020 from XXXX. This information is false. Ive always paid my bills and do not owe any money to them or XXXX. I am disputing this debt with them and they have failed to send me the information Ive asked for which is to show me the Date I opened an account with XXXX and when the account was closed with the amount I owe to XXXX. Including my signature with the date. They have failed to give me any information only that I owe a debt I need to pay from 2020 which is false.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (IL)

XXXX XXXX previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX $ XXXX.How is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
US bank sent me the same notice from the same collections agency XXXX XXXX.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

Chase credit card company has refused to reverse many fraudulent transactions that appeared on my credit card. I called them on XX/XX/XXXX and filed a fraud dispute and on XX/XX/XXXX they sent me a conclusion letter that said I am responsible for all of the transactions. There were over {$7000.00} or more in transactions that I didnt make to one merchant according to my account history. Their conclusion letter did not say the reason for why they think I owe this money. The only thing it states was you received benefit from this transaction. There was no reason how or why and no directions for how to file an appeal with them. I called them and sales why this decision was made. They refused to tell me why it rather said they are not sure why the reviewer made the decision and that I was not able to talk to the review person. So I told them its wrong what can we do. They said they can have the review it again. So on XX/XX/XXXX they started a second review and told me it would take about two weeks to finish the review. Today on Saturday XX/XX/XXXX they sent me an email with a document dated XX/XX/XXXX saying that they finished the second review and that I am responsible for the transactions. Remind you there are over 100 transactions for one merchant and several to other merchants. They told me this would take two weeks. How can they complete this in two days? It seems they are not even doing reviews and just filing paperwork without doing their job. It is obvious I did not make these transactions. The first time I called I also asked them to send me a new card. They didnt send one. So this time I asked them why and they said it was never noted on my account that I lost the card. It is a total XXXX show how Chase is handling these fraudulent charges and shows how little they care about protecting their clients. Instead they are just trying to force innocent people to pay for things that they never bought themselves. I have read online that many other people have been having similar problems with Chase credit cards and bank cards over that date back all the way to XXXX to XXXX. I refuse to allow them to take advantage of me. As a consumer we have laws to protect us from this happening to us. And when these big banks like chase clearly show they do not care to protect us it seems we are left useless and the banks are allowed to ruin our financial situation. Please help me with this. It is hard enough when we lose our wallets and have them stolen. But then when our banks allow it to happen what do we have left?
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

A written request to delete the information from my report because it was incorrect, because it was unauthorized. 
Instead of deleted it from my personal information the credit reporting company updated the comment section and reported information that again was incorrect and inaccurate. 

I have written to them 2 times demanding the deletion and it has not been done. 

I have not provided authorization to provide information without my consent, especially for companies that have paid them to provide it to the for profit. 
They are a for profit company and the Federal Law states that it must ALL be accurate and correct. 

My rights have been violated on more than one occasion.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I contacted the credit bureau in reference to some unauthorized and uninitiated inquiries in my credit file. They advised me to contact the creditor, if I did not contact them in order to establish a relationship initially why should I have to contact them to have it removed. The credit bureau broke the law by allowing false information to be reported in my file. So they need to contact them to have it removed. 
XXXX XXXX XXXX NJ XXXX I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XXXX ) Sincerely, XXXX
Consumer complaint received 2022-04-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (AL)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with 90 plus days of no response. I have disputed this alleged debt and car was awarded to my ex wife back in XXXX with Santander Consumer USA was told that debt would be transferred to ex but been on my reports for over 8yrs and the XXXX credit reporting agency. I was told by the representative at Santander Consumer USA that they do not have to show me proof of debt .Last communication via phone call was on XX/XX/XXXX.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc. (MI)

I co signed on a school loan from XXXX bank when my son attended XXXX. It was deferred for a good while because my son could n't get a decent paying job. He has been paying XXXX now for a while. Before XXXX he wanted to be paid so he paid extra. He was paid ahead almost 3 months. 6 days after he last made a payment his loan was bought by Firstmark Services in XX/XX/2016. He received an email and an immediate bill saying his payment was due. He called and explained he was paid ahead for XXXX and was told they do n't do that and the money he paid ahead was put on interest, They changed his payment from XXXX to XXXX a month. He explained that he paid ahead and this was n't right what they were doing. They told him they would conduct a investigation that could take up tp 2 weeks. They started calling my house in XXXX and I told the lady he was ahead 3 months. She said to mail his proof that he paid ahead so he sent proof to them from his bank. In XXXX they started calling everyday all day threatening my credit if he did n't pay. He called them and was told that the 2 week investigation could take 120 days or as long as they wanted. I have repeatedly told these people that there was an investigation going on. Now they are threatening us to sue at the end of XXXX. Everyone I talk to knows nothing because they did not even have the paperwork yet from XXXX Bank. They know the loan is there but know no facts. All they do is threaten us on the phone. My son will make the rest of what they claim he owes so it does not go to court. But I feel like we are dealing with the mafia or loan sharks. Do what we tell you or else. I have ask at least 3 different people how they would like it if there car loan was paid 3 months ahead and then sold and they were ask to start paying immediately. They said they would not like it, so why is it fair to do that to my son. I 'm upset because I have really good credit and they keep threatening me for no good reason.