davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Equifax have violated my consumer rights. According to 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) and 15 USC 1682g Equifax have reinserted negative items onto my credit report illegally. I demand that the negative accounts from XXXX XXXX that was previously removed be deleted and blocked. It is illegal to keep the negative accounts on my file without any written consent of reinsertion. I know my laws and I will make sure they are enforced. Attached is my XXXX report showing the accounts were not there but and XXXX report when they were reinserted. 
XXXX XXXX. {$61000.00} XXXX XXXX. {$5400.00} XXXX XXXX. {$6400.00}
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc (GA)

Hello Good Afternoon, This is XXXX XXXX I currently have an account with Chime. My account has been placed on hold for suspicious activity. This has caused a major inconvenience for me. Can something be done about this? I have submitted all required documents to get the hold uplifted more than once. Ive emailed multiples times with no response. This is my only financial institution at the time. I need to access my money ASAP. Please advise Thank you XXXX XXXX XXXX
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

We purchased our home insurance from XXXX XXXX. but no matter how many policies we forwarded them and other proofs that we gave Tiaa, they would not drop their escrow ins. However, Tiaa did drop the escrow ins. after the complaint was made through Consumer Finance Protection Bureau. Thank you CFPB. Now Tiaa ( XXXX  ) will not accept our mortgage payments saying through a lettter stating that we are in default and we own payments for XXXX, XXXX, XXXX XXXX and XXXX of this year. Our mortgage pmt.is XXXX. The two paymts. for XXXX and XXXX shoew {$580.00} - we do not know where this amount originated. XXXX said we are in default for these payments and a corporate advance balance ( interest ) of XXXX. The total default is {$4.00}, XXXX and is due! XX/XX/XXXX. These payments are recorded as received by XXXX but they will not accept them. We called XXXX and the agent said that he found an error that XXXX had made as they applied our XXXX XXXX payment to the escrow ins. We asked him to correct the error and he said that they could not as this occurred over six months ago and the error will not be corrected. We asked, then how can we resolve the issue and continue to pay our mortgage. There was no answer. This is the way TiaaXXXX is going to take our home- by legalized theft
Consumer complaint received 2021-11-16
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX and JPMC has reported defamatory information about me to XXXX on XX/XX/2021. I am challenging the incorrect information with the XXXX and JPMC inquiries on my credit report. Where XXXX clearly violated the law. XXXX and JPMC put on my credit report an inquiries that is not mine. The inquiry is false and the date false. Verification of claim against me ( a sworn affidavit ) Im challenging this inquiry with XXXX and JPMC of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this inquiry such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove inquiry from XXXX credit report immediately.
Consumer complaint received 2022-11-11
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: FactorTrust, Inc. (NV)

XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - closed - Summary XXXX XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 Payment Status Charge-off Unpaid balance reported as a loss by credit grantor Worst Delinquency Bad debt/collection Charge Off/Other Derog Balance {$1400.00} {$0.00} Credit Limit 15usci1681i 15usc1681ia 15usc1681i5 15usc1681b i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
Consumer complaint received 2022-11-11
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. (GA)

Equifax Credit Bureau have not allowed financial institutions to retrieve my credit reporting. I have contacted Equifax in XXXX of 2022 and they stated there was no freeze or hold on my file. They requested that I send over my driver license and social security letter with my birth certificate so they can verify the accuracy of the information by fax. I fax the information and I received confirmation from Equifax that the investigation was solved and information was verified. I was told that Companies would be able to retrieve my reporting moving forward. However, I have applied for credit 3 times after that and once again the institutions have not been able to retrieve my equifax credit report. Equifax is asking me to go through this tedious process all over again. In the mean while, I have lost an apartment and have not been able to get financed for a vehicle because their failure to provide the information on my behalf. The straw for me is when I went to apply for a XXXX XXXX position which required my credit report and they could not retrieve my information once again. I was told I had to apply for that position at a later date once my credit filing can be verified. Equifax lack of reporting is interfering with my lively hood and how I provide for my family.
Consumer complaint received 2021-11-16
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: Synovus Bank (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX total amount was {$150.00} and now {$57.00}. 
This account was opened on XX/XX/XXXX. 4 years and 10 months ago. I have no knowledge of this account. I have not paid on this account because I was not aware that it existed until I checked my credit profile. I have not received any billing statements from this account in mail or email. The account does not belong to me. I have requested a numerous of ID criteria, proof of verification from the company and all three credit bureaus ( XXXX, XXXX and XXXX ) and have been denied all adequate documentation. The account is closed but yet is still being reported as a delinquent account payment, which is causing harm to my credit and XX/XX/XXXX score, preventing me from getting approved for other financing. I have disputed this account repeatedly for 1year. The company refuses to show any documentation that the account verifiably belongs to me and I know they can not because it does not belong to me. This account is a fraudulent account and I asked the company to remove it on several occasions along with the all three credit bureaus. I have filed a local police report and filed a complaint with all three credit bureaus and placed fraud alerts on all accounts. This is causing harm to me psychologically, mental and emotionally this is causing stress and unsettlements financially. Because of all the fraud alerts it now makes it harder to get any financing, on XX/XX/XXXX XX/XX/XXXX, car, and housing. This is too stressful for {$57.00} that does not belong to me.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have master card credit card from bank of america I found transaction in my statement XXXX for XXXX XXXX MI. I did not made this transaction and i did not know any thing about this merchant. I made a claim to Bank of America after that they sent me a new credit card and remove this transaction. about one month later they called me and denied my claim. I tried to describe that I did not made this transaction but they did not gave me any attention. 
I called them again and reactivate the claim again. 
after one more month they did not change the decision
Consumer complaint received 2022-11-11
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: JPMORGAN CHASE & CO. (TX)

To whom it may concern, The account name JPMCB CARD with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted Chase bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. Chase bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and Chase has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at Chase recommended I dispute the account to the 3 credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my XXXX and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you
Consumer complaint received 2021-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (VA)

I'm with Midland mortgage as my service provider. I've been in the FHA forbearance protection by the government up until XX/XX/2021. They even sent me a letter stating that XX/XX/2021. The month of XXXX came and I started receiving numerous phones calls from Midland Mortgage. They even left a voicemail requesting I call them back. Their billing department answered and said they was removing from my forbearance plan early and place me in review. I said don't do that because I'm not ready. They still done it anyway. I called several times trying to get on my forbearance plan as stated until XX/XX/2021 and they said I was. Then later said I wasn't and couldn't place me back on because I should have expired already. Its not true
Consumer complaint received 2016-04-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

I was not aware I had outstanding medical bills since My daughter had state insurance at the time. Since the accident, XXXX months passed and I never received a medical bill, or collection debt. I found out thru my credit report since it change dramatically due to collection that I was never aware of. They ruined my credit without my knowledge or notification of a debt. How can they ruin people 's credit without the opportunity for payment arrengments?
Consumer complaint received 2022-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2022 I received an email stating that PayPal would be keeping my {$26.00}, XXXX due to Acceptable Use Policy Violation. 

PayPal is in breach of their contract as their contract states all/any disputes would be handled via Arbitration. I was not allowed to have a third party involved as far as an Arbitrator nor court involved in this decision, PayPal has played the role of Judge, jury and executor. 

PayPal has not presented me with any evidence regarding their alleged claims against me but instead has taken an aggressive adverse action against me. 

In addition the consumer wonders if this has been reported to the IRS for proper credit for taxes...
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

I am a co-signer on a 2021 XXXX XXXX, my mom was the signer. I was struggling with financial hardships and didnt have phone service in the month of XXXX when I got a text from my mom stating wells fargo wanted to repossess the car. I asked her to call and ask what we can do to stop that and they told us to make a payment of {$800.00} and that they would pause the repossession. I got up the money and I made the payment by XXXX. XX/XX/XXXX came around and around XXXX they came and took my vehicle. When calling WF they stated that they were so sorry that happened, and that theyd put it under review. We called again, they asked us to make another payment to get the car back but it was still under review. Called a couple days later & come to find out, they didnt put it under review they went off and sold it and it was too late they were just trying to get more money from me. They put in an incredibly horrible bind and I am now without a car and unable to go get another one due to this. What a horrible corporation.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harris & Harris, Ltd. (OH)

Harris and Harris has contacted the home where I work. This is a private residence. Not my employer. They have been asked not to call my clients home, out of respect for their time and phone line, but Harris and Harris has not stopped. If they wish to speak with my employer, then they need to contact the main office. Most recent call was XX/XX/11, on a holiday, @ XXXX in the evening.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was unaware that my dealership was going to put inquiries to several different banks. This was unauthorized on my Transunion Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (TX)

I was shocked when reviewing my credit report and found late payment 's on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (NH)

On XX/XX/2022 chime authorized a payment of XXXX from my canceled card ending in XXXX with no no overdraft no spot me it was a secured account with XXXX dollars. I disputed it with chime dispute never went in my favor..Chime has unfairly closed my acct because of there lack of ability to take responsibility of there actions. And because so I lose points to my credit.im a single full-time grandmother raising XXXX gransons XXXX is XXXX  XXXX I use my credit to purchase XXXX  XXXX  they are hurting a XXXX  while affecting my credit score.
Consumer complaint received 2021-11-16
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2016-02-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

My mortgage company, LoanDepot sent me notice that my taxes were increasing {$110.00} per year but my monthly payment would increase {$70.00} per month. I 've made several attempts to correct the matter via email and phone. Today, I called and the was placed on-hold to speak to a supervisor but no one has picked up the phone for over 45 minutes. I feel like LoanDepot is intentionally giving me the run around to discourage me from having the matter corrected as a similar tactic was used used previously when they asked that I allow them to analyze the matter and then they would call me back.
Consumer complaint received 2022-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

Looks like a student housing facility I stayed at in college turned over my debt to a lender. For me personally, I never had made monthly housing payments on my card or account when I was in school or when I had graduated. Seems to have been created in XXXX of XXXX and my credit score recently took a hit as of XX/XX/XXXX.
Consumer complaint received 2022-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 2288984 Ontario Inc. (AZ)

I emailed the company to Let them know my pay days have changed and it would be the opposite Fridays. Their response clearly lead me to believe they didnt read my email. 
I sent them paystubs as proof and I got no response from them. No communication what so ever. They just took money from my account on a Thursday morning. Which is not what is agreed upon in our contract. This cause me to become overdrawn. 
I reached dour to them again and have received no response yet again.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. I have advised this company that this debt is not owed, however, they continue to place this on my credit report for the second time. I have shown proof of such, which was ignored. The address this company has on file for me is not mine and I've never lived there. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have never been late on my any of my accounts with Capital One. I have disputed these late payments several. This reports are hurting my credit score and stopping me from getting approved for a home. One of the credit card accounts are closed but they continue to report it as being negative. They reported that I have been late on both accounts XX/XX/2015 through XX/XX/2015.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (TX)

I have been receiving repeated phone calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX ( Toll Free ). I couldn't figure out why they were calling me, so I eventually called them back and was able to speak with a human being about XXXX months ago. I was informed that I had an outstanding medical debt from an ambulance ride in Washington DC that occurred in XXXX. I informed them that I did not acknowledge the debt and that the debt was no longer enforceable because it was over XXXX XXXX XXXX and to stop calling me. I requested that they stop calling me and they having continued to call me.
Consumer complaint received 2022-08-25
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: Westlake Services, LLC (GA)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, Has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.