davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
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)

I applied for a XXXX XXXX card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and Equifax reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my XXXX.
Consumer complaint received 2020-07-15
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: BARCLAYS BANK DELAWARE (FL)

I purchased a ring at the XXXX jewelry store onboard a XXXX XXXX cruise ship, the XXXX XXXX, on XX/XX/XXXX. The purchase was for {$4200.00} part of other expenses I incurred on the ship totaling {$4800.00}. I paid for my purchases using the XXXX XXXX Visa card issued by Barclays Bank. The ring needed to be sized and was going to be delivered to my home a week or two after the cruise. I never received this ring! I began calling the jewelry store, XXXX, in XXXX inquiring about delivery of the ring. I was told they were shut down because of the COVID-19 quarantine in XXXX and XXXX did not know when the ring would be sized and delivered to me. I asked for a refund. After many weeks of hone calls and emails with XXXX, I was told a refund was issued on XX/XX/XXXX. On XX/XX/XXXX I disputed the charge of {$4200.00} with Barclays because I did not receive the refund promised. On XX/XX/XXXX Barclays denied the dispute. I contacted XXXX again and asked about the refund and they told me XXXX issued the refund on XXXX XXXX but XXXX XXXX would issue the refund to my credit card account. I called XXXX XXXX to inquire about the refund and was directed to an automated recording stating their accounting system was not able to issue any refunds and the call was disconnected. I have never received the ring or a refund for the purchase and Barclays should remove the charge from my Visa account.
Consumer complaint received 2022-10-04
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. (NY)

My debit card was stolen. I saw a transaction for {$290.00} from XXXX. I did not make this purchase it was from my stolen debit card.I called the bank and they reversed it. Then they took it back out. I went to the bank and they said the reason they took it back out was because my pin number was used. I told them my card was stolen and I NEVER gave anyone my pin number. I also calledXXXX to get information about the purchase and they couldnt help me at all. I went back to the bank and told them I wanted to appeal it. They said I couldnt because my pin was used!!! I got nowhere.
Consumer complaint received 2020-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (FL)

XXXX of 2019 we started a loan modification process with Loan Depot. They accepted and in XXXX we started the first of our three test payments. In XXXX the contract was signed by both parties and agreed to. However when Covid 19 hit they placed our mortgage in Forbearance which our us asking or approving. In addition we received no notification that this happened. We then got a bill showing we owed several thousand dollars and when my wife called the recording said we were in Forbearance. We told them we did not approve it nor ask for it. My wife asked to cancel it and noted we have paid our new loan amount every month because we did not know we were in Forbearance. After that we got letters and emails stating it was canceled and that we now owed over 10,000 dollars. They also stated the modified mortgage was null and void. At which time they started hitting our credit daily so I am now down to a beacon score in the mid 500. We have contacted them multiple times and we are always told we would get a call back and we never get a call back.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (SC)

I have wrote pro collector, & XXXX XXXX XXXX 3 times through via mail the debt collector who is allegedly stating I owe them money. I have not yet received any information where I stated and asking for contracts that included my signature stating we did business.
Consumer complaint received 2020-07-15
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 — Was not notified of investigation status or results
Company: PNC Bank N.A. (IL)

PNC bank flagged my loan account saying that I was a120 day late on my account. My credit was XXXX and it dropped 69 points because of this. Now I pay all my bills on time. On XX/XX/20 I paid {$45.00}. 0n XX/XX/20 I paid {$250.00}. On XX/XX/20 I paid $ XXXX.0n XX/XX/20 I talked to a sales representative and she {$200.00} out of my account and then reversed the payment and the same thing happened on XX/XX/20 a payment for XXXX and reversed that one to and the payment that went through was never a 120 day late but PNC flagged my credit score twice
Consumer complaint received 2021-04-07
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)

After filing several disputes with Equifax and XXXX, both still refuse to remove a collection account from my credit file long after the creditor sent me a letter indicating that the account is paid in full and that the company would be notifying the three major credit reporting agencies to take the appropriate action on the account. Both companies are in violation of the Fair Credit Reporting Act! 

See current copy of my Equifax report still showing the account as a collection account with a XXXX balance. 

See copy of the letter sent from the creditor that describes the statement I mentioned above.
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

I have contacted Enhance Recovery Col concerning a collections they have on my account, I have also tried to get this account verified through the credit agency and they have not provided me with an actual agreement, contract or identification for this account, I have a credit alert on my file that states I am victim of identity theft this file has been in place since 2015 this account states that you must call me at the listed number before issuing credit and this did not happen nor is this my account.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

A forged check in the amount of {$6600.00} was drawn from our company account on XX/XX/2019. This was brought to the attention of our bank, Wells Fargo Bank when the account was reconciled. Despite numerous requests Wells Fargo has not been helpful in resolving the issue by claiming : 1. no responsibility in clearing a check that was totally out of sequence ( our last check was number XXXX and the check presented was number XXXX ) ; 2. the crime was brought to their attention more than 30 days after its occurrence ; 3. that it can not reveal whether the perpetuator of the crime was still an account holder at Wells Fargo ; and 4. that it is not Wells Fargo 's responsibility to help resolve this crime.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

We have a home loan with Quicken for an investment property. The payment was ~ {$950.00} and for the last 4 years, we have paid {$1000.00} every month, have never been late. 
Last night, my wife checked her credit and saw 2 delinquencies filed for this loan. We called quicken to try to understand what happened, they told us there was an escrow change and our new payment was {$1000.00} - and since we were short {$50.00}, the credit agencies where notified. 
We explained to them we have not received any information regarding a new payment in writing nor any phonecalls. They insisted they mailed us a letter in XXXX ( which we did not receive ) and because we were short by {$50.00}, our mortgage is delinquent. They refused to work with us to fix it - had we known it would have been no problem. 
We are not only now afraid that her credit has dropped by 200 points but we are afraid they will use situations like these to foreclose on properties like this, it is predatory behavior. I have other loans with other companies and no one has treated us this way - especially after a 4 year relationship and especially for a {$50.00} gap which was clearly a communication issue. 

We then found out that Quicken did not change our address in the servicing database from a move 3 years ago even though we called in to make that change AND did a USPS change of address. They confirmed it was mailed to the wrong address but refused to work with us. What's more is that we have had loan applications with them since and confirmed that they did in fact have the most recent address. They didn't tell us the escrow changed, then filed a delinquency record and refused to update it or any late fees for {$100.00}!!! 


This feels illegal and exploitive.
Consumer complaint received 2020-07-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I filed a complaint thru the CFPB to XXXX Equifax more than 30 days ago and have not received the results. 
Your furnisher has placed in collection on my credit report that I have. Balance of {$270.00} from an XXXX account. I have sent both credit reporting agencies a letter from XXXX stating that I do not owe XXXX any money. I am including in this second complaint the letter from XXXX again. Under the Fair Credit Debit Act the credit reporting agency must report accurately or be fine {$1000.00}. If I owe another furnisher then you must report that furnisher name with the proper Code. 
Your furnisher XXXX XXXX XXXX has no Creditor Code as explain by XXXX in their letter. 
XXXX Equifax did you read the letter from XXXX stating that I do not have an account with XXXX and that their is no Creditor Code? 
XXXX Equifax it has been over 30 days and you have not corrected your error of the XXXX account why? 
XXXX/Equifax your reporting a XXXX account that is not mine why? 
Also do the credit reporting agencies bureaus have an obligation to investigate the furnisher that XXXX XXXX XXXX does not have a license to collect and operate in the state of Michigan? 
Do the credit reporting agencies know that XXXX XXXX XXXX lost their license for reporting false debt on seniors? 
XXXX/Equifax did you know the state of Michigan states all seniors must not answer XXXX XXXX XXXX because they are a Scam Debt Collection Agencies to just report them to legal agencies. I agree with the State of Michigan and will not answer them by law and report them. 
XXXX letter states for the credit reporting bureaus to remove XXXX name from my account it is wrongfully to use XXXX when the bank states I did not owe them any money right? 
XXXX/Equifax you are wrongfully using XXXX copyright name to collect a debt that was never owed to them you just want to give a no license debt collector in the state of Michigan free money right? 
XXXX/Equifax I did not have a debit with XXXX for any debit collector agency to collect so why are you reporting I owe XXXX? 
So if the real debt collector steps up then the senior would have to pay twice and take XXXX/Equifax to court for reimbursement right? 
The question I have sent again is for XXXX and Equifax to answer and not the furnisher? 
The State of Michigan state seniors do not have to answers to the Scams of no license XXXX XXXX XXXX in the state Michigan for seniors just report them to the State of Michigan.
Consumer complaint received 2020-07-15
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. (MD)

On XX/XX/2020, I checked my XXXX XXXX App and saw a hard inquiry initiated by XXXX XXXX. 

I immediately called the bank along with the credit bureaus to dispute the inquiries. The bureaus acknowledged seeing the hard inquiry done on that date above. 

I also added fraudulent alert to all my bureaus for extra protection. Despite my effort, nothing was done on any of these companies ; XXXX and all the 3 credit bureaus I would like you guys to speak on behalf of me to resolve this issue with all the credit bureaus, Equifax, XXXX, and XXXX. 

Thank you in advance!
Consumer complaint received 2020-07-15
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: DriveTime (CA)

I requested XXXX to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.
Consumer complaint received 2019-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waterfall Revenue Group (CA)

I spoke with this company multiple times. They once collected a payment from me on XX/XX/2018 for {$100.00} and said the payment went through and I was good. They never contacted me again. I was surprised find today when I was applying for my mortgage refinance that this company reported this debt as still in collections last month and my credit score significantly came down. 
I logged in to their portal to find out that the previous payment did not go through and I had to pay this again. I paid this again and it shows the payment is processing. 
This company has not been transparent about the fact that they were going to report to the credit bureau and damage my credit. I hope they can correct my credit asap so i can go through with my refinance
Consumer complaint received 2020-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (FL)

I borrowed {$570.00} originally, have been making weekly payments of {$86.00} for 7 months, but my payoff is over {$600.00}. That is not the process that was explained to me very briefly and in extremely broken english.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NY)

I already have an open complaint regarding this company XXXX I now report NEW COMPLAINTS regarding Chase Slate Credit Cards. I was contacted by " XXXX '' from the " executive department '' who initially repeated the same false claim that I had made late payments. I have NOT made late payments, and my credit report ( XXXX ) states that my payment history is EXCEPTIONAL They then stated that I had a collection account on my credit report, which I again corrected them as FALSE. There is no collection account on my credit report. 

Frustrated by blatant disregard of the facts, the damage they were doing to my credit without just cause, and their foul attitude, I endeavored to pay more of my debt to them. I made an {$11000.00} payment ( now that the check I had received had cleared my other bank ). That payment was made XX/XX/XXXX. Please see that attached documents. As of today, XX/XX/XXXX, Chase still refuses to change my available credit based upon the payment. They also refuse to report it to XXXX. This is the SECOND TIME they did this. 

On XX/XX/XXXX they claimed I had zero available credit when in fact I had available credit. 

The funds have left my account and clearly are in their account, yet they REFUSE to change my available credit and refuse to report the decrease in my balance to the credit bureaus Surely, there must be some laws that require them to credit a payment and report it correctly? They are intentionally now doing damage to my credit report.
Consumer complaint received 2020-07-15
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)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (RI)

XXXX XXXX XXXX XXXX is trying to collect a debt for PayPal Credit that is disputed because PayPal Credit has done to me what they did to other consumers ( Something CFPB knows about since they filed a lawsuit in XX/XX/2015 and received {>= $1,000,000} from PayPal Credit ).

The debt is in dispute and is not substantiated by anything other than PayPal 's  dubious word ( again we know it is dubious because the XXXX CFPB filed a suit against PayPal Credit in XX/XX/2015 and received {>= $1,000,000} from them ).
Consumer complaint received 2020-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (ID)

I purchased a used XXXX XXXX XXXX from an out-of-state dealership ( XXXX XXXX in XXXX UT ) on XXXX XX/XX/XXXX. The loan was financed through US Bank. 

On XX/XX/XXXX, I was involved in a accident in which the car was deemed totaled by my insurance company. On XX/XX/XXXX, I sent my insurance company all of the paperwork to finalize the settlement - which would pay off the loan in it's entirety. 

On XX/XX/XXXX, I was informed by my insurance company that US Bank would not issue a " Letter of Guarantee '' ( allowing the loan payoff ) as US Bank required a perfected title from the dealership. During a subsequent call to US Bank I was led to believe that they had been in contact with the dealership in order to expedite the process. However, on XX/XX/XXXX, another US Bank representative stated that they have not contacted the dealership and that they had no intention of contacting the dealership as this " wasn't their process ''. 

I have had issues with the dealership with post-sales issues and now they are not responding to my calls. 

My issue and complaint is the US Bank has notified me that the loan will continue to accrue interest and I will continue to be responsible for payments until the loan is paid off. This seems unreasonable as all parties understand and acknowledge that the vehicle is totaled and is pending a full payoff. 

US Bank has notified me that I will be responsible for
Consumer complaint received 2020-07-15
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. (LA)

I was the victim of the Equifax data breach. I never received compensation for their inability to keep my data secure. Because of the data breach Equifax continues to list my name incorrectly despite repeated dispute attempts whereby I provide my driver 's license as proof. I have done this twice. The name that they have listed was NEVER my name and they refuse to replace this name with my correct legal name. This is disabling me financially and costing me thousands of dollars in high interest. Please help!
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (TX)

I just received notice that Credit Management LP ( Collection Agency ) has been added to my report report and it has damage my credit rating. In reviewing the information on all three credit report, I discover that Credit Management LP is allegeing that I owe {$450.00} to XXXX XXXX - XXXX. 

Back On XX/XX/2020. I had submitted a request to CFPD in regards to this matter. CFPB reference no : XXXX. It was determined that the information was unable to be validated and the it would had been removed from my credit report. I checked my Credit report in XXXX and the information was removed. 

Credit Managment LP is trying to collect an account that has already been disputed. 

I really need the help of the CFPB, Credit Management LP is re-polluting the information on my credit report.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I purchased XXXX anti virus service for my pc last year for around {$35.00} and this year when the service expired XXXX charged my credit card {$99.00} with out my permission by way of papal and papal refuse to return the money to my credit card.
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (CA)

History : - my mortgage of {$400000.00} originated by XXXX XXXX is closed in XX/XX/XXXX by my loan agent XXXX He ( XXXX ). 1st Payment due is on XX/XX/XXXX. Before 1st payment due I received loan service transfer letters, new loan servicer is XXXX XXXX/XXXX  tells my payments should be sent to them starting XX/XX/XXXX. So did I. 
- Late XXXX LoanCare/XXXX suddenly sent me mortgage bill after I have paid it to XXXX XXXX. I logged on XXXX website with my account number on the bill and sent them messages and XXXX XXXX  letters. They still asks me to ask XXXX to forward my payment to them. They are now saying service transfer date was XX/XX/XXXX, not acknowledging or mentioning XXXX XXXX  's letters I provided to them. The loan was sold on XX/XX/XXXX or XX/XX/XXXX, service transfer has occurred in XXXX! I am attaching the 2 service transfer letters. 

- Now loancare reported delinquent pay to XXXX  damaging my credit.