davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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. (IN)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This needs to be removed or I will file a lawsuit.
Consumer complaint received 2022-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (VA)

In XX/XX/XXXX, I began the process of refinancing my equity loan with XXXX. The loan was transferred from XXXX to XXXX XXXX in XX/XX/XXXX. This loan has never been late and each payment was made in full on time. I planned to complete renovations on my home in XXXX before I encountered an unexpected delay that caused the renovations to continue into XXXX. During the month of XXXX, I closed on the refinance on XX/XX/XXXX and expected the disbursements to occur within 3-5 days of closing. In fact, I received the disbursements on XX/XX/XXXX. 

On XX/XX/XXXX the loan with XXXX XXXX was transferred to XXXX Bank. At this point, I was not notified from neither XXXX XXXX or XXXX Bank that the payment was late. I was only notified that the loan has been transferred. On XX/XX/XXXX I was notified that Dovenmuehle Mortgage ( DMI ) reported my account 30 days delinquent. On XX/XX/XXXX I reached out to my loan advisor at XXXX for clarity and was partnered with the Care Team of XXXX to correct this reporting. 

I reached out to DMI myself and was denied twice even after submitting the requested documents. I submitted the email showing that my loan advisor advised me not to send a XXXX payment since the loan was scheduled for payoff ; my credit report showing the delinquent reporting ; and the email verification to show the date the loan closed. The first response from DMI stated the account was reported in good standing. The second response denied my request for changes. The care team of the financial institution that I am refinancing with reached out to DMI directly. They explained the timeline and how I was not at fault ; but, DMI responded and declined the request to make any changes. 

I have sent another email asking for a goodwill adjustment. I have never been late on any accounts. I have always maintained an A+ relationship with all banks and financial institutions. The missed XXXX payment was a mistake. This loan was being refinanced and transferred at the same time. I hope that with the help of CFPB that the reporting can be corrected.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

This was back in 2016 I was trying to stop a foreclosure in my home address was XXXX XXXX  XXXX XXXX in XXXX XXXX XXXX XXXXXXXX I wasnt able to stop the foreclosure because I was just trying to keep my home I tried really hard to reach out to the company but to avail I still lost my home
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

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

15 U.S.C 1681 section 602 A. States I have 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 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I'm requesting that XXXX XXXX  XXXX remove the 30 day & 60 day and 90 day late payments for XX/XX/XXXX & XX/XX/XXXX and XX/XX/XXXX from my credit reports on XXXX, Equifax, XXXX  and any other reporting agencies. XXXX and XX/XX/XXXX mortgages payments are in Deferment. XX/XX/XXXX mortgage payment was made on time as reported on my XXXX credit report. 
From XX/XX/XXXX my XXXX XXXX  XXXX  XXXX  was hit hard by XXXX XXXX. My clients are restaurants and bars. They too were devastated by Covid 19 because they were forced to close. My revenue plummeted. By the end of XX/XX/XXXX I exhausted all of my savings. 
I requested a Forbearance for the XXXX and XXXX payments because of the negative effects of the virus and was approved on XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX  XXXX posted a 30 day & 60 day late payments on my credit reports. On XX/XX/XXXX i wrote XXXX and requested the late payments be removed due to the negative effects of Covid 19. XXXX denied my request, stating that I didn't say specifically " XXXX XXXX " was the reason for my request for Forbearance and that I had a prior late payment. 
The 2 late payments are negatively affecting my ability to acquire new contracts and credit which will grow my business revenue. On XX/XX/XXXX XXXX  XXXX  Servicing added a late payment for XX/XX/XXXX on my Equifax credit report, My Equifax is now reporting a 90 day late. This is an error, i made the XX/XX/XXXX payment on time. 
I'm determined to make my mortgage payments. I made 9 consecutive payments starting XX/XX/XXXX. It wasn't easy. I had to beg and borrow money from friends and family. I took out high interest rate payday loans and took on odd jobs to ensure that I made the mortgage payments. Due to the late payments I am no longer able to borrow money to help me pay the mortgage. I'm at the end of my rope. I'm trying my very best to avoid Bankruptcy. 
I ask that XXXX take in consideration the 9 consecutive mortgage payments and remove the 30 day & 60 day and 90 day lates from all of the reporting agencies. This will allow me to obtain new contracts and credit. My revenue will increase and I will be able to Honor My Commitment With XXXX  XXXX XXXX. Thank You For Your Consideration And Your Help.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER XXXX XXXX XXXX EQUIFAX IS GOVERN BY XXXX XXXX XXXX AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO XXXX XXXX XXXX I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS 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
Consumer complaint received 2021-01-13
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: U.S. BANCORP (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX and XX/XX/XXXX US BANK XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX  XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-09-03
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: Exeter Finance, LLC. (PA)

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Exeter Finance on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Exeter Finance violated federal law. see 15 USC 1681b A2. I did not give Exeter Finance Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

I was banking with chime bank since XXXX of XXXX and i started to recieve my unemployment to the acct around XX/XX/XXXX and was fine and i was saving on the acct and then in XX/XX/XXXX they emailed me and stated they were closing my acct, they didnt state why and said to read what i agreed to and i called to see what needed to be done and how to access my funds and no one would give me a straight answer.
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

PayPal won't transfer my funds to my bank account. PayPal charged my bank account directly to refund an XXXX  XXXX  ( without my consent ), while placing the funds originally paid by the customer on hold. Why didn't they refund with the money on hold? I've been waiting for them to transfer original funds which have been on hold for a long time now. Customer serve and chat representative are technically nonexistent. This entity is disgusting! I encounter a problem every single time I have to deal with them.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (LA)

I used the 'Mail a Check ' feature offered by XXXXXXXX XXXX XXXX Chime ) on XX/XX/2022. Chime 's policy states that it takes 3-9 days for the check to arrive. I received a notification from Chime, on Saturday, XX/XX/2022 at XXXX XXXX XXXX notifying me that the check 's estimated arrival to my landlord would be Tuesday, XX/XX/2022. Today is Thursday, XX/XX/2022 and my landlord has yet to receive the check. I placed 2 calls to Chime 's customer support and was kept on hold for over 40 minutes. On the 3rd call, the agent let me know that the check was currently being processed and would arrive to my landlord in 3-9 days, however that is the complete opposite of what CHIME states in their policy and in the notification I received. I have also filed a complaint with the XXXX
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AK)

I have applied for a refund of {$10000.00} from EdFinancial on XX/XX/22 and they have not processed the refund yet. They wont give me any dates on when it will be completed either. I just want my refund.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NC)

LexisNexis, please tell us why this was returned and our request was not processed. 
As a couple, we do most business transactions together. Our names are listed on the proof of address, with individual IDs showing our current address. 
If this is not completed as requested, I will file an FTC and/or CFPB complaint. Why is it necessary for us to use two stamps and two envelopes? 
If there are any questions, you have our individual phone numbers to call rather than DELAY our rightful consumer requests!
Consumer complaint received 2021-09-03
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: I.C. System, Inc. (VA)

I had a collection on my credit report from about 4 years ago from XXXX XXXX and electric in which belongs to my mother. I have been disputing it ever since it was originally added to my credit report because it does not belong to me. On XX/XX/XXXX my dispute finally was accepted and the account was deleted, the creditor at this time was called XXXX XXXX XXXX. About a week ago ( around XX/XX/XXXX ) the collection was added back to credit report after it being OVER A YEAR and now has a new creditor called I C System. Now the collection is saying it was opened in XX/XX/XXXX which is totally inaccurate from when it was originally on my account and i would have to wait another 7 years for it to drop if it is not resolved. Also it was deleted originally for false information and its been over a year why was it added again with a new creditor a year later. Im highly upset.
Consumer complaint received 2019-02-04
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. (MS)

In XXXX of 2018, I sent a certified letter to Equifax asking them to verify an account listed on my Equifax credit report. Equifax initiated dispute number XXXX. The account is listed in collections, but I do not owe anything to the listed collection agency. From my understanding, if Equifax can not positively verify the account, it must be removed from my credit report. I explained to Equifax when I called them today that the debt collection agency refuses to send me proof that I owe them and keeps demanding that I set up payment arrangements. I have already disputed this with the debt collection agency itself but they reported to my credit anyway with a remark stating " consumer disputes account, '' so both Equifax and the debt collection agency have already been alerted that I do not agree with their claim that I owe anything. In fact, I have been trying for months via phone and via written requests with the debt collection agency to get this issue resolved. The debt collection agency will not respond to my multiple requests for validation. However, today I was told by an Equifax employee that I would need to submit yet another dispute with the debt collection agency and that if they still do not comply, that I would need to file a police report. If the law states under the FCRA that unverified accounts must be removed and if Equifax is unable to provide me a copy of verifiable proof, why is it that I'm having to take additional measures such as going to the police to have this issue resolved? Why isn't the debt collection agency being required to provide verifiable proof that I owe the account listed on my credit report? This is unfair and the fact that I'm being requested by Equifax to provide additional documentation is ridiculous especially if the debt collection agency is not being required to provide verifiable proof of this account. How can I provide proof of something that does not exist? How many letters am I going to have to send to the debt collection agency before something is done? What happens if the debt collection agency never responds to me? The runaround in this situation is extremely frustrating.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I applied for an extension of credit with Chase for the XXXX XXXX XXXX, I received an adverse action letter stating that I was denied because my XXXX Credit Report. The CFPB states that credit reporting is optional, title 15 USC 1602 Definitions and rules of construction subsection ( f ) ( " credit '' ) the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Subsection ( g ) ( " creditor '' ) refers ONLY to a person ( 1 ) who both regularly extends etc. Subsection ( e ) ( 'person ' ) means a natural person or organization.

With that being said as the natural person & creditor I can not be denied my right to my unlimited credit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.
Consumer complaint received 2019-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

Incorrect count for qualifying payments for XXXX. My account reached an arbitrary amount of interest accumulated that caused XXXX to divide my loan into separate loans and their system reset my payment count to XXXX. I put a request in over a year ago for an accurate count and it still shows XXXX qualifying payments.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MECHANICS BANK (IL)

I have contacted the company to pick up the car since the start of car buying overcharged XXXX per month in interest also credit bureau payoff and principal balance are all three different amounts. Payoff is a markup of {$300.00} from principal balance owed. XXXX has offer a fair selling price offer included in this complaint. I have had the car for two Years only paid {$2000.00} in principal. Not sensitive to the pandemic
Consumer complaint received 2022-10-13
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: SYNCHRONY FINANCIAL (FL)

XX/XX/2022 SYNCB/Amazon -Not Authorized XX/XX/2022 XXXX XXXX XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX XXXX  -Not Authorized XX/XX/2022 XXXX XXXX XXXX - Not Authorized XX/XX/2022 XXXX XXXX XXXX Not Authorized
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (CA)

Background check is incorrect I have not been XXXX XXXX XXXX XXXX it was reduced to XXXX  XXXX  XXXX in 2014 also other charges XXXX county were mother who went to XXXX
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (WI)

on XX/XX/2018 i contacted XXXX XXXX about a unauthorized charge to my card in the amount of {$360.00}. They informed me that they couldn't find me in their system and made note of my first and last name. they informed me that if the payment tried to come thru they would reject it and not except it. I called my bank periodically checking on this charge thru out the week. unfortunately a week or so later the charge came out of my account. I contacted XXXX XXXX   again, which at this time they sent me to a head supervisor because the payment had not been taking by them. speaking with the supervisor she informed me that a third party was involved and gave me their corporate number. the third party was XXXX, i spoke to a lady who assured me that they didn't accept payment either because the hotel rejected it they would have no reason or authority to take it. I contacted my bank and informed them of the situation and proceeded with filing a dispute.I never received any products or services from this merchant. 

there was also a unauthorized charge of {$170.00} on XX/XX/2018 to my account by a moving company who couldn't provide service to me at the time i requested. I responded to the confirmation email and informed them that i would call them to set up something later. later that day someone from this company called me and states that they already tried to take {$170.00} out so what are they to do at this point. I informed the gentlemen that the deposit was not authorized and i only had a phone conversation with someone who couldn't even confirm a time the movers would be available. He placed me on hold for 5 minutes then hung up on me. when I tried to call back no one answered. I never received any products or service from this merchant.
Consumer complaint received 2022-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (NV)

I paid my medical bill to XXXX XXXX XXXX on XX/XX/2022 for {$200.00}. I received no mail communication nor voicemails from the Collection company, Grant & Weber INC, and they reported a collection to my credit for an original balance of {$200.00} from XXXX XXXX XXXX which was already paid.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Siggi LLC (GA)

I had a collection account with XXXX XXXX XXXX where in XX/XX/XXXX I sent a certified mailed letter asking for them to validate the debt with my signature stating I owed them. They failed to respond. I contacted them in XX/XX/XXXX and was told they are still awaiting the information from the original creditor Omni Financial, but got no response. In another attempt, I filed a complaint with CFPB against them ( complaint XXXX ). They responded by stating they aren't reporting to any credit bureaus which is false. I contacted them again and a supervisor refused to get on the phone stating I needed to contact Omni Financial. I have contacted Omni financial on multiple occasions, and they have told me the debt was purchased by XXXX XXXX XXXX.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This is not an error or accident I received a letter stating this complain was not from me and it is in fact being submitted by me. Do not ignore my complaint as this is a serious issue that needs to be addressed. I travel a lot for my work so I dont have time to be on a phone waiting for hours to get this done.
Consumer complaint received 2021-09-03
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 — Problem with personal statement of dispute
Company: JDJ Investments, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Turned this over to CBS Collections On my XXXX  report. 

All details in full and attached proof are attached below. I have contacted XXXX, original creditor and collection agency and still not handled properly.