davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

XXXX XXXX XXXX {$760.00} XXXX XXXX  XXXX {$5100.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX/ XXXX {$11000.00}
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CO)

This financial institution is constantly requesting proof of insurance of my property and are continually adding their own lender placed hazard insurance even after I promptly submit the request for proof of insurance. My reputable insurance company has also sent them proof of insurance on several occasions on my behalf. Ive paid thousands of dollars in lender placed insurance, which I want back, as I have had insurance on the property the entire length of this loan. What is interesting is they have paid my own insurance premium via my escrow account as well as their lender placed premiums. Obviously I have insurance on the property. Another issue I have had is that they did not pay my insurance premium on time, so I had to make private payments to my insurance company for coverage. For example, my premium was due in XXXX and it was not paid until XXXX. My insurance company made several attempts to collect payment without much avail from this Company. This company also does not provide customer service during convenient business hours in my time zone. You can not leave a message or talk to someone outside of the insurance department about these issues. I have also tried contacting them via email without resolution. Their chat option on their website also does not work. I have had customer service ( whom could not assist me ) leave notes to my account. I asked customer service how I could file a complaint about my issues and they said there isnt a way to file a complaint within the company.
Consumer complaint received 2020-04-24
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. (MI)

XXXX XXXX  sold the account and XXXX XXXX  took over in XX/XX/2019. I was never informed about this, XXXX XXXX never contacted me for the payments or called. I left them Messages for months finally I got hold of someone in Customer service who took {$1000.00} Payment and informed me my Account is open and in good standing. They one day later I found out by reviewing my credit report that they closed my account months ago again without informing me ever and on XXXX XXXX their operator took my payment and inform me that account was in good standing as curtesy she waived the late fees because of the bank error. 

They defrauded me out of my money and misinformed me. XXXX XXXX  took the money during the most awe full time when I could have used this to feed my children.
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$250.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$740.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$170.00} USDOEXXXX XXXX {$420.00} XXXX  XXXX {$740.00}
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (GA)

I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these inquiries.
Consumer complaint received 2020-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these inquiries.
Consumer complaint received 2020-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-01-18
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: Convergent Resources, Inc. (TN)

This account is not mines i have tried to resolve this issue with the debt collection company because this is identity thief but they refuse to investigate this account. 

CONVERGENT OUTSOURCI XX/XX/2019 XXXX {$2200.00}
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (MN)

My name is XXXX XXXX XXXX resident of XXXX, MN and here is my complaint : Personify Financial has been sending me numerous advertisements and pre-approval notices by postal mail for at least 6 to 8 months now. I have thrown them away each and every time. However, in XX/XX/2019 I thought to myself to give it a chance since I wanted to pay off some credit cards since the holidays are forthcoming. I submitted the application to personify financial under the impression that personify was the actual lender. After accepting the loan, I discovered through NMLS consumer access that Personify Financial is not the lender, but it is a debt buyer which means they are not regulated at the federal level. The lender was Applied Data Finance LLC who is not registered to do business in the state of Minnesota. Apparently this is how these so-called debt buyers get away with illegal interest rates. I have attached the documents below regarding the loan, and please give me a call directly at XXXX for more details, or you can also reach me by email at XXXX Please help me take action against these under-the-table-wrongdoers.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (NY)

{$2800.00} was stolen from me by a Citi customer ( without my endorsement on the check ) and Citi still allowed the check to be cashed into their account. After allowing this check fraud, Citi would not get back to me and give me back my money after the customer has been indicted for grand larceny by the XXXX.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (CA)

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX.
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (NY)

AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. I have several addresses showing that do not belong to me please remove the following:XXXX XXXX  XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2019-08-20
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: CITIZENS FINANCIAL GROUP, INC. (TX)

I am trying to get the Hard Inquires on my credit reports removed as I did not give permission to these companies to check my credit I have talked to XXXX   and XXXX XXXX and both say they can not and will not help fix these I have called the companys where i could get info on them and they dont and wont do anything even though they can not show where I gave them permision to run credit reports on me all this happened on XX/XX/2018 some even did i hard inquiry twice on the same day I have not tried with XXXX becuase when I try to look and see details they want me to pay also with experian there is a collection for $XXXX and again I cant see who but I have proved this was wrong if it is from a dr on both other credit bureausI am attaching what info I could get from the the credit bureaus on the names and info on the Inquirys they did not really want to give me the info
Consumer complaint received 2019-11-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (SC)

I am dealing with Ally Finance and lost my job over a year ago Im trying to keep up on my payments because I need the vehicle to get to interviews. My car payment is {$690.00} per month and Im behind in my payments. Im also being changed 9 % interest each day I would like to report this as fraud 9 % interest per day unbelievable and fraudulent. Is there something I can do to have lower interest rate. They are threatening to come get the car. They are mailing me a copy of my contact and today was the 2nd request. I first requested a copy 3 weeks ago. I will send you a copy when I receive it
Consumer complaint received 2019-11-06
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. (NC)

There are many many accounts on my credit report with equifax, XXXX, XXXX   that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.
Consumer complaint received 2019-11-06
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: Experian Information Solutions Inc. (NC)

There are many many accounts on my credit report with XXXX, experian, XXXX   that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.
Consumer complaint received 2019-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/XXXX I filed for a due date change due to not having enough funds in my account. Which my car note is XXXX. Well after changing jobs and taking a severe pay cut. I tried to change my due date around XX/XX/XXXX and I was unable to. And I wasn't told weather I could or couldn't change my date a second time several months down the road until I called in. Nowhere on their app was this stated. 
Well it is XX/XX/XXXX and I made my late payment of XXXX $ little did I know I wasn't able to pay it so tired to cancel it after I got home from work. I was unable to cause the option was no longer there. I was not informed that I wasn't allowed to cancel after a certain time which was right after XXXX. Also, around the time I would have normally gotten off work. I don't get home until after XXXX because I have to get my XXXX from daycare. And being as most of the time i work without taking my break being as busy as it is during the morning towards the night I was unable to call or cancel if I would have known the cut off time. 
So I called and they told me that they couldn't cancel it at all. they told me to call my bank my bank would tell me to wait til it is process and file a dispute report which can take days to a week. 
I want people to be aware of the type of business they run. Not really helpful when it comes to due date changes or payments. Also not informing their consumers about their terms. They tried to knock off the late fee which was a whole XXXX XXXX I didn't care about them trying to come to an agreement by bribing me with taking the late fee away. What they can do is offer customers a change of date or you know actual assistance instead of this now their may be an overdraft when all is said and done. congrats capital one for doing what you do best XXXX people over and causing more of hardship for people that are currently struggling
Consumer complaint received 2019-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Nelnet gave me the wrong payoff information for my student loan. The loan was overpaid by {$250.00}. They show that my loan was {$6600.00} and that I paid {$6900.00} and that gave me a {$0.00} balance. The payment cleared the bank. I called and they at first said I had a XXXX balance and that it wasn't overpaid. Then after being on hold for 45 minutes they finally decided they did owe me the difference and would send it out within 10-12 days. That did not happen. After the second phone call and being put on hold for 30 minutes they determined it would take 2-4 weeks to refund my overpayment. Now after the 3rd phone call and being on hold for 45 minutes I am being told it will take 6-8 weeks for a refund. I think this  is standard procedure hoping people will get tired and give up. The entire 10 years I have had this loan they have misapplied my payments and refused to correct any errors on their part. I have asked for an audit of my account multiple times and to date of never received it. Complete crooks!!!
Consumer complaint received 2019-02-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (IL)

I have been trying to get in touch Conduent ( who took over from ACS ) on my student loan. I can not reach anyone at Conduent thru any of the phone numbers listed on their website. When I enter my social security number on the Conduent website to try to get information on their website, Im advised that Conduent no longer service my loan, but Im not given anymore information.

Id like to know : 1 ) who is now servicing my loan 2 ) does my loan balance reflect the payments Ive been making to Conduent thru online banking? 

Please help me.
Consumer complaint received 2019-02-18
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: SYNCHRONY FINANCIAL (NY)

IM A VICTIM OF IDENTITY THEFT, IVE REACHED OUT TO THE CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY AND I ALSO REQUESTED A COPY OF ALL THE INSTRUMENTS USED TO OPEN UP THESE ACCOUNTS ACCOUNTS XXXX XXXX XXXX -AMOUNT {$870.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX XXXX -AMOUNT {$20000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX XXXX -AMOUNT {$7000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX
Consumer complaint received 2019-02-18
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. (NY)

IM A VICTIM OF IDENTITY THEFT, IVE REACHED OUT TO THE CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY AND I ALSO REQUESTED A COPY OF ALL THE INSTRUMENTS USED TO OPEN UP THESE ACCOUNTS ACCOUNTS XXXX XXXX XXXX -AMOUNT {$870.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -CHASE CARD -AMOUNT {$20000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX CREDIT -AMOUNT {$7000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX
Consumer complaint received 2019-02-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (DE)

Hello - I received a promotional offer in the mail form CHASE. Open a checking account, meet the promotional terms, get {$300.00}. Open a savings account, meet the promotional terms, get {$200.00}. Open both, meet the promotional terms of both, get {$600.00}. The promotional offer code is XXXX XXXX XXXX XXXX. I went through the motions of applying, only to be stopped by an error message stating that my address is a XXXX address, and therefore I can not open an account without going into a local CHASE branch. I don't live in XXXX ( I've never even been to XXXX ), and there are no CHASE branches in my local vicinity, so I tried calling CHASE customer service and unfortunately didn't get very far. I was told that since there are no CHASE branches by me, that I can't open an account ( which I'm fairly certain is incorrect - why send me the promotional offer and then advise me that I can't open an account? ). Therefore, I'm hoping that I can get someone experienced at CHASE who can assist me with opening these accounts via submitting a CFPB complaint. The offer states that I have until XX/XX/2019 to take advantage of the offer. I've attached a ppt with screenshots of the " wall '' I'm being met with.
Consumer complaint received 2019-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I saw that Portfolio recovery associates was reporting a debt to my credit file.The account is listed as a XXXX XXXX account. On XX/XX/2017 I sent a certified letter with return receipt. I still have not received anything from them validate the debt.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

I filed bankruptcy on XXXX and did not include this card in the list of creditors since it is a secured card. I paid the entire balance last week to a XXXX balance thinking I could use it this week for gas and groceries. Unbeknownst to me, Citi closed the card after my payment went through. Citi now has my {$200.00} security deposit and my card is at a XXXX balance with funds that already posted to my checking account and has been taken from my balance. Im left with no money for this week and no warning. If I had known this would happen, I would have waited to make that payment since it was not due yet or I would have paid less so I would have money to live on this week. This is not fair. With a secured card such as this, they should not be able to close the account like that as its basically like you have a savings account because its guaranteed funds. I would never have imagined this would happen.