davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (TX)

I have tried to get validation of a debt that appears on my consumer report. I have sent request on XXXX, XX/XX/22 and XX/XX/22 with no response from the consumer reporting agency ( Experian ). I requested that the account be validated or deleted and to date, no response has be forthcoming.
Consumer complaint received 2022-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

XXXX- I spoke to a US Bank XXXX XXXX XXXX Loan specialist to discuss the options that I have due to losing my home with this mortage last year when a car drove threw it on XXXX. This young male representative from XXXX Bank XXXX XXXX not only refused to assist me but was argumentative and denied me any options for mortage assistance.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern, I have experienced low level fraud on my Chase bank account from XXXX XXXX on at least two different occasions and I would like to know if this can be investigated further and resolved. 

Each time, I have had over {$200.00} taken from my account in increments of {$50.00} - {$60.00} from four random people like ; " XXXX '', " XXXX '', " XXXX '' and " XXXX '' etc, with the number XXXX attached to it. ( Please see attached bank records transactions took place on XX/XX/XXXX and were reversed in XXXX ). 

These erroneous transactions have caused a negative balance and I need there to be a correction with this account. 

I am also writing the attorney general in this regard. Chase corrected the matter only to reverse and refuse to keep it corrected. 

The account number is XXXX Please advise on what can be done and what further information you need from me in correction to the issue. 

Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX CEO/ President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( o ) XXXX ( c ) Volunteer work Neighborhood Advisory Board XXXX XXXX
Consumer complaint received 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (FL)

The letter Great Lakes provided in claims XXXX. XXXX stated I attended the institution of XXXX XXXX college but they did not admit to the institution in question who committed the fraud which was the XXXX institution of XXXX XXXX, Nevada. I can not prove I attended this institution with school documentation because I did not attend this institution!!! My loan service through Dept of Education named Great Lakes Borrower claimed to have done there own investigation on the Institution in question. The claim they presented they opposed investigation claim they found to be true, was in fact inaccurate!!! XXXX XXXX college orchestrated the FRAUD through another institution. As a result the school has been closed, if the Department of Education knows this why are they still trying to hold me accountable for fraud one of their employees committed??? Did this person get jail time? There response does not justify this claim as resolved, there response does not justify a resolution to this issue. My original claim XXXX should have never been closed because it was not resolved. The letter they attached for their response is dated XX/XX/19, I NEVER RECEIVED THIS LETTER! SO how could be a resolution or explanation for the issue at hand when the letter was just written. Meanwhile, they continue to report to the credit bureaus and hurting my credit.
Consumer complaint received 2021-12-22
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. (SC)

XXXX, Equifax and XXXX are all reporting unauthorized collection accounts on my consumer report which is hindering me from purchasing my first home for me and my children. I never gave any of these credit reporting agencies oral or written consent to report any of these collection accounts on my consumer report. I don't think its fair to me that they can just report whatever they want on my behalf without getting my permission.
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I only miss onXXXX payment since I've been with Wells Fargo home mortgage. My monthly mortgage is XXXX .I contacted the mortgage company and imformed them that I had a major problem that needed immedaite attention my son was XXXX  I had to support him. I ask if they would put the payment on the end because I would not afford to make this payment up because I am XXXX  and I'm on a fix income. 
Wells fargo offered to give it's customers a three month deferred payment about five years ago due to a hurricane disaster that affected my state. Now since I miss this one payment they are sending me harrassing phone callsa and claiming I'm XXXX in the rears. What I need to know is if I only miss one payment of XXXX how do I get to be XXXX XXXX plus more in dept. I did not ask for the deferred payment, this was offered to all N.C. residents that were affected by the hurricane. Please Help because this is affecting my credit.
Consumer complaint received 2021-12-22
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: MECHANICS BANK (FL)

My car was totaled in an accident.The insurance company was in communication with Mechanics bank. There was a administration lapse of communication between Mechanics bank and XXXX on releasing the check.The accident happened in Florida. Causing XXXX delays in the inspection. Finally I communicated with the bank on XX/XX/XXXX XXXX. It took Mechanics bank another 18 days to get payoff get the administrative delays resolve. They cashed the check 3 days late. I was advised not yo make the payment because it would change the payoff. Ive called Explaining the mistake even the XXXX representative or the adjuster Is willing to talk to them they will not comply. I have never missed a payment or ever been late on anything in my life. To have my car totaled and then for them to add this late payment when its ultimately the insurance company and they are dealings its not fair. Thank you for your help
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

XXXX XXXX, XXXX. ( " Servicer '' ) continually fails to respond to my email requests through their portal, and then claims no knowledge of said requests when I call to speak with a representative ( even though I have automated emails confirming receipt of my emails ). In the normal course, it is not a major issue, just an extreme annoyance. However, every year for the past three years, Servicer has failed to respond to my inquiries and document submissions regarding payment of my homeowner 's and flood insurance premiums. This has caused me to be late on my insurance payments and nearly caused my insurance to lapse one year. I am having the same issues again this year - when I call, they claim no knowledge of emailed submissions. There is a real risk that my insurance premiums are not paid from the escrow Servicer has been holding over the course of the year without an intervention.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (CA)

I am currently in process of making a large purchase, and before I ran my credit I performed a credit check and saw IQ Data International pop up and is reporting an amount of {$2400.00}. I have no clue who this is or was, so I XXXX searched the company and I called them. They asked me some questions and if I ever rented an apartment in XXXX? I said no and I have no clue why this is popping up. I then was grilled about people I do not know and was asked if I ever co signed for anyone.. which is a no. I was told I would receive a fraud packet to fill out and return. Waiting for mail and nothing so I called again, a week later, was asked about an address I never even heard of and was told they are resending it out. Waiting again nothing. So we are out 3 weeks now. I called today and Im being told it may take up to 10 business days from today! Why? I again was also grilled about living in this apartment, my social security info and place of residence. I feel completely violated and want this issue to be resolved asap! This is completely unfair and Im being treated as if this is my debt and I know what is going with it. I have never heard from these people ever! Also am being asked to provide documentation that I do not have!!! Its ridiculous. I am ok with policy and procedures, but I feel that its taking way to long to fix the issue and also being probed about something I have no clue about.
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank (NY)

On XX/XX/21 I paid off my mortgage with Synovus Bank. I was told to expect a payoff letter within 60 days. I did not recieve this letter and called on XX/XX/21 to check the status. I spoke with XXXX XXXX who said she would email it to me. Still did not recieve it and left 2 messages in XXXX and another on XX/XX/21 to notify XXXX XXXX and asked for a return call. XXXX XXXX does not respond, I called again on XX/XX/21 however this time to XXXX. XXXX stated that she would send a message to the mortgage department and someone will call me. I am continually being ignored by this company and I still don't have my payoff letter.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XX/XX/XXXX entered into forbearance plan with XXXX XXXX  XXXX XXXX  thru XXXX so 180 days prior to this date i should not have any late payments per the forbearance plan. 

XX/XX/XXXX wire transferred {$2800.00} XXXX XXXX XXXX sent us the wrong wire instructions and lost the money and took 12 months to finally locate the funds and credit our account. So anything after XX/XX/XXXX should not be late payments. We called numerous times to get this resolved. Spoke with XXXX XXXX during this entire year
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

My debit card information was compromised and reported on XXXX. I filed a Fraud claim for the charges made without my permission and Regions came back saying that after analysis, they find no evidence of fraud. They were the ones who alerted me of the fraud. How can they say they found fraud, followed by saying that there was no fraud? I am out {$680.00} because of transactions made in a state I have never even been to.
Consumer complaint received 2021-12-22
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. (PA)

I am a victim of identity theft that creditors are reporting on my credit report after numerous of times trying to fix the false debt on my credit report from XX/XX/XXXX to XX/XX/XXXX i have called and spoke to fraudulent departments i have disputed information i have sent letters i have contacted original companies also.i filed police reports multiple times and summited information. I filed complaints through CFPB over the years also for help and followed the guidelines for identity theft for recovery non has been granted.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

On XX/XX/2019, I received a letter from Equifax dated XX/XX/2019. It had been sent to my previous address as I had just moved in XX/XX/2019. The first sentence of the letter stated, " As you requested, we successfully placed an initial fraud alert on your Equifax credit report. '' I am not aware of anyone, including me, requesting an initial fraud alert. I called Equifax to inquire about the meaning of this letter, and to update them with my current address. After answering security questions for 15 minutes, they told me in order to explain the letter to me, I would need to mail them a number of documents including copies of my Social Security card and my Driver 's License. I felt it was unreasonable to be asked to submit documentation simply to have them explain a letter they sent me. I am hoping you can help me to find out what this letter is about.
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc. (OK)

On XX/XX/2021 XXXX XXXX responded to : complaint number XXXX XXXX XXXX XXXX XXXX has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address XXXX XXXX XXXX XXXX has on file. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. However, on XX/XX/2021, I submitted a complaint with documentation on XXXX XXXX, XXXX XXXX XXXX, which had been referred to the Federal Trade Commission on XX/XX/2021. 
XXXX XXXX, has not provided to any verification of the debt, nor has their client provided me or them with a validation of the debt. I have made several good faith request in writing via certified mailing to all companies referenced above. Per the attachments. You will notice my health insurance XXXX, paid the XXXX dept. You will also, notice the subrogation letter, where this debt was paid as part of a auto accident settlement. Additionally, I have requested from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX the collection agency additional documents showing how I own what is being disputed. I sent certified mailing, and none of the companies responded or acknowledged receipt.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (KY)

Received a letter from U.S. Bank cardmember services in XX/XX/XXXX stating that my visa platinum credit card interest rate would be increasing XX/XX/XXXX, the rate will be increased from 13.99 % to 18.99 %. called cardmember service on XX/XX/XXXX to find out why, they stated current account pricing and credit bureau information is what they used to determine the increase. Have a service from another credit card company that monitors my credit and there is no derogatory reports. My history with us bank has no derogatory history, my balance with u s bank credit card is well under my credit limit the monitor service i use is same credit bureau as they used to come to the decision Later the same day talked to representative at u s bank who agreed that i should file a complaint because it wasn't fair that they raised the rate, but she said there was nothing she could do to help me with my concern. I have 4 other credit cards thru other institutions that hav n't changed. I have had this credit card for 20+years with no problems. U.S. Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-12
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. (NV)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

AFFIRM INC Contact XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management (TX)

In Accordance with the fair credit reporting act 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.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (PA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

The incident began at XX/XX/XXXX. I received a text message from Chase, Fraud alarm Did you withdrawal {$3000.00} on XX/XX/XXXX? I immediately replied " No '', I checked my account from Chase app, the money was cashed so I went to Branch to file claim and close account. While I was sitting in branch with ID and debit card with me, there were still several withdrawals from different ATM near me. I was confused and even the bank stuff felt confused. All activities were denied after that, but the first {$3000.00} has no information and updated. I called consumer service so many times. They delayed the {$3000.00} check that suppose to send me and after XX/XX/XXXX, they said it was over three months, the case was closed. If I want to reopen the case, I need to go to police station and file the case, but police officers need affidavit form from Bank, but Bank didn't help a lot. I have to XXXX affidavit form from paid website. Now, I already went to branch for 3 times, police station 2 times. Still haven't file the case and reopen my case. I just felt so exhausted. I don't know how to protect my property.