davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WA)

Mortgage company has been collecting taxes in escrow account since I refinanced mortgage in XX/XX/XXXX. Taxes were due to XX/XX/XXXX and I got a notice from the county ( XXXX ) during week of XXXX  at which point I contacted the mortgage company ( The Money Source ( XXXX XXXX XXXX https XXXX XXXX  ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Every time I was told that their team is researching the parcel number ( XXXX ) for property and I provided Property Parcel number from the county notice. Its been more than a month since I started following up and have been receiving the same response without any resolution. As of XX/XX/XXXX the property tax is going to be 2 months late.
Consumer complaint received 2020-12-30
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)

XXXX XXXX XXXX XXXX XXXX  , XXXX. is showing on my equifax credit report twice. The company has sent notifications for removal since XXXX to Equifax and it is still on my credit report. Attached is the response from XXXX XXXX  validating the submission for removal.
Consumer complaint received 2020-12-30
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 — Their investigation did not fix an error on your report
Company: CL Holdings LLC (FL)

Please see below that XXXX XXXX is stating that I opened an account on XX/XX/2019. I have never had an account with this company and I have had my information stolen and compromised in the past on the XXXX XXXX and had my wallet also stolen in the past with credit cards and my id. I do not owe this {$620.00}, it is not my bill. This account is not mine, and my name has been misspelled many times on my credit report. I know how to spell my own name and I have never, ever used a different spelling of my name when obtaining any service or credit. Neither of these company 's will respond to my messages to remove this off of my account. I have disputed this many times to get nothing done. This company can not hold me to this bill when this is not mine. This needs to be removed from my Credit Report. I am also contacting the XXXX  and the State of Florida Attorney Generals Office. This bill will not be paid, this is not mine and please remove it from all 3 Credit Reporting Agencies. 
Thank you. 

ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX DISPUTE REASON : Ownership This is not my account ; it belongs to a relative or person with similar name/address. 
CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX RESULT : Disputed information was verified as accurate XXXX  investigated your dispute but did not change your information. 
See your current report
Consumer complaint received 2020-12-30
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. (FL)

I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX , XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.
Consumer complaint received 2020-12-30
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. (FL)

I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXXXX/XX/XXXX XXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

on XX/XX/2020 I received an unemployment card at my home address. 
This card does not belong to myself or anyone in my household. I reached out to US Bank as that is who this reliacard is through, the person that I spoke with at US bank told me that this was a big scam that was going on with the unemployment cards right now.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Mortgage Account Number : XXXX. 

This is in reference to the original Complaint : XXXX filed by the Borrower with CFPB on XX/XX/XXXX and the second Complaint : XXXX filed with CFPB on XX/XX/XXXX. 

Borrower received a weird lengthy response [ in all means ] from the Lender and once again forced to put up this Complaint with CFPB demanding a one word answer. Also, I will be sending a hardcopy of the above Complaint to the Actor Director of CFPB Pursuant to the above Complaints, Company failed to answer to my one and only question : 1. Does the Wells Fargo Home Mortgage have the right to purchase a Lender Placed Insurance for a Past period? Company must provide an Answer, - Yes or NO Pursuant to the Mortgage Agreement signed between both parties, Wells Fargo Home Mortgage has the right to enforce Lender Placed Insurance. This doesn't give explicit authorization to enforce Lender Placed Insurance for the past period. Please refer to " Exhibit A '' which is self explanatory. 

If the Answer to the above question is " YES '' then it is totally discriminatory, due to the fact that the Borrower can't purchase an Insurance coverage for a lapsed period anywhere in US whereas the Lender can.
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (GA)

On XX/XX/2021 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-26
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc. (GA)

Im currently on a repayment plan with my mortgage company Mr. Cooper. For the months past due, its been divided into 12 months and added to my regular mortgage payment. From XXXXXXXX XXXX XXXX to current, I have been paying my regular mortgage on time however, its not being reported as on time. The mortgage company although have already reported the delinquent months to my credit are not giving me the proper credit status for my regular payments. I believe this to be unfair that my payments that are paid on time are not being reported accurately.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

Since I finance the car with Ally finance They have not actually reported my payments the dates are incorrect and it still showing that the payment last that I paid on it was in XXXX were in almost XXXX now and they have not updated it its every month that I go through this with them Ive called multiple times to them and explain the problem they do not fix it I disputed it with the three credit bureaus and they still have not fixed it
Consumer complaint received 2022-08-09
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-17
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)

Clients Name Clients Address The term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of this inquiry violates this. 15 U.SC 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, clients name, never gave you any written consent to include any of this information to my consumer report, neither did I give your company any consent to furnish nor communicate any of this information to any person, third party, or affiliate so your company is actively violating my rights under the FCRA. As a consumer my specified remedy for these injuries is : The deletion of the following inquiries listed below. 

XXXX Inquiry : XXXX XXXX, 2020 As a consumer by law these inquiries on this letter must be deleted immediately.
Consumer complaint received 2022-10-10
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. (PA)

I asked the credit reporting agency, Equifax, to correct this account- XXXX XXXX XXXX XXXX XXXX, because the balance is being reported inaccurately ( {$81000.00} ) even though the account is closed and paid in full. I verified this information with the lender. 

Equifax will not investigate. They have not provided me with any proof or reason why they continue to report a balance on this account, when there is none. Equifax sent me a letter stating that they modified the " closed date '' but they did not. ( see attached document from them ). 

They will not provide me with any proof for reporting a balance on this account, which is closed and paid in full.
Consumer complaint received 2020-12-30
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: EQUIFAX, INC. (AR)

I am very upset because how can the bureaus just place information on my report without my knowledge of where exactly the information even came from so I sent off a letter onXX/XX/2020to this date onXX/XX/2020 I have not heard or received information from them regarding issues that are misleading and unverified I know this has to be a violation of my consumer rights because it has been over 60 days now without a response. I just hope they find out who the information belongs too and remove it from my profile. I do appreciate the quick response and the removal of inaccurate accounts.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

JPMorgan Chase Bank, N.A. has denied me access to my online Chase Bank account, they have refused to assist me with unlocking it, or whom I need to speak with in resolving this " error '' please call us to help you unlock your account. Sunday through Saturday from XXXX to XXXX Central Standard time I call them repeatedly, I have gone into Chase Bank Branches, I have contacted their Executive Office from their number which I retrieved off a past complaint filed against them through the CFPB. 

Chase Bank has me in a negatively financial impacting status, I don't know where my money is going, I am unable to dispute charges, and even if I could dispute charges, I can not view the account transaction history, nor view statements, nor send them messages on the secure message center feature, and this has gone on for months. 

My next step, is seeing Chase Bank in a criminal district court of XXXX XXXX, TX, and pursuing them at all cost.. This is uncalled for, and although the Fraud Department is the department I was always told to call, and speak with, they too said they are unable to help. So Am I supposed to be in negative deficiency of debt, and a negative balance of which I do not know what's going on, whose making transactions, or what I could possibly to do to put a halt to this. I have my income taxes, stimulus, federal benefits, employment income from my State Agency Office Job, and my campaign election funds are also managed within my online Chase Bank Account in a separate account, and now I am locked out of accessing them to proceed with my campaign for XXXX XXXX in XXXX XXXX, TX-State XXXX of Texas. The XXXX XXXX is the XXXX XXXX, and XXXX, and overall head authority in charge for overseeing the XXXX XXXX of our XXXX XXXX XXXX XXXX XXXX Texas. 

This has gone to far. 

Not to mention, I have my other deposits from other sources, IRS, refunds I am owed from accounts I was able to dispute without having access to my Chase Bank account, and the list continues.
Consumer complaint received 2020-12-30
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. (VA)

I am writing the CFPB once again because the last case was closed without an amicable solution when I wrote you previously, I provided an immense amount of evidence showing that the negative information that is being reported by XXXX XXXX XXXX for a creditor named XXXX XXXX with Account # : XXXX in the amount of {$470.00} is being illegally reported to my credit file that Equifax records has on my credit profile. 

Additionally, Equifax has deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Furthermore, XXXX  has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Equifax to do the same. 
Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. Please govern yourself accordingly.
Consumer complaint received 2020-12-30
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX TN, XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : I am writing to dispute the following information in my credit file. I recently received a copy of my credit report, and I noticed there is a few unauthorized credit inquiries made by the companies I'm not familiar with listed above. Based on true facts this is my 3rd complaint so far to Equifax regarding multiple errors, but I have not applied for any credit authorizing to the companies to view my credit report. The listed credit inquiries was made without my consent and authorization. Prior to your investigation, I'm requesting validation ( Matching addresses, names, phone numbers etc. ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2020-12-30
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. (CO)

I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allgate Financial, LLC (RI)

Paid off this debt in full to JH Portfolio Debt Equity in the amount of {$490.00}. The agreement was to remove item from credit report if I paid off the debt. The original holder of the account was XXXX XXXX XXXX XXXX XXXX. The phone # is XXXX. 
I've tried to call several times with no luck. The account is on XXXX  as unpaid debt, but was removed from XXXX XXXX and XXXX. I also tried calling JH Portfolio, but they went out of business. I researched that company only to find that it was complained on several times through XXXX. Apparently now a company call Consumer has the account. I researched, but apparently that company doesn't exist, This is a really old account opened back in XXXX and paid off in XXXX. Please help with the removal of this account if all possible ... Thank You!
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (AZ)

On the XX/XX/2020 I reported Credit card fraud to First progress financial. At this time the company informed me that's the would put a hold on my account and if I paid in full all was even. Today when checking the status of my account I found a new charge unpaid acuring interested and unpaid balance on my account. I was informed I was responsible for the new charges interest rate, but not the charges. 

In short, I am being charged interest rate on a charge that should never have been on my credit card in the first place because I cancelled the number and was sent a new card. The website is so far behind they can't tell me why I shouldn't be paid up on full. I now have a carries interest rate on a first progress financial card that is already over paid. 

Missing final documents from XX/XX/2020. No statement available. 
.
Consumer complaint received 2022-10-10
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. (NY)

In accordance with The Fair Credit Reporting act XXXXXXXX XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions