davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (GA)

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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

LoanCare took over the processing of my mortgage loan from XXXX XXXX  XXXX XX/XX/XXXX. I went through the process of setting up a new account there their process. Now when I try to log in I get an error. I have worked for 4 days with LoanCare to try to get them to help me work through the problems. They continue to lie, make up excuses why things are not working to no avail. It takes 1/2 hour to get through to a real person every time I call them. I have spent over 8 hours trying to work with them on the phone, but they keep telling me to try again in 1 hour, 1/2 hour, next day, but when I try again, the same problem arises. Have be on calls with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the latest attempts to get this solved. It also took 3 or 4 days last week to set up the account. Many problems there, but those have been resolved. But what good does it do to set up an online account if you can not log in? 

Also I was set up to make payments automatically with the old mortgage processing company XXXX XXXX  and LoanCare says that will continue with them. However the payment has not been processed and I have not been credited with the payment so I am incurring increased interest charges since the payment has not been made. I am concerned if I make another payment at this time, they will all of a sudden process both payments since their IT systems are so bad.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I have tried several times to remove my Credit Freeze from Equifax. Each time I receive an error message asking me to call their customer service line. When I do, Equifax informs me they can not find a record of me, despite me having access to the MyEquifax account, being able to see my credit score on their portal, and having my freeze in place. I have been asked to send identifying information ( including my social security number ) which I have mailed and uploaded to the myEquifax website ( both about 3 months go ) and I still am unable to lift my freeze and I received no update and they are still unable to find a record of me.
Consumer complaint received 2020-07-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Rapid Auto Loans LLC (FL)

Rapid Auto Loan Issues Aged Reports For 4 months I informed Rapid Auto of aged reporting issues where their system reflecting inaccurate information.Their system was adding an extra 30 Days to my payment status. In example, if I am 1 day late, the rapid auto loan system was showing 31 days late. It took them several months to fix an issue which should have been resolved in minutes. This has caused harassing phone calls and texts related to issue.Harassment Rapid Auto sends several texts daily stating the my vehicle has been dispatched for repossession. The statement is an illegal form of collections which stresses the customer. If I am late with a payment, I set an arrangement with the company and make the payment on the stated date. The texts they use to agitate or harass their customers is illegal. My vehicle has never been out for repossession as it incurs additional costs for the lender and customer. Rapid would also need to attempt to cure the current status before dispatching any vehicle for repossession. This falls under unfair business practices and should be prevented by any lender.Pay off - At 26 % interest, I have requested a payoff from Rapid for 3 months and have not received a call back to settle the account. I am incurring an additional XXXX dollars monthly in interest fees that I have been trying to avoid. I sent several request to XXXX to settle the account with an adjustment to the payoff amount. Rapid is choosing to ignore the request in an effort to maintain interest payments through the term of this loan. I would have saved XXXX dollars so far in interest payments if they provided me the adjusted payoff 3 months ago. I have requested another payoff with XXXX payments left which would save me XXXX dollars. I am requesting a final payoff from Rapid of XXXX which also includes the 3 months of interest payments in which they ignored.Rapid auto loans has no language in contract regarding prepayment and has included 12 months of interest in the principal they say i owe. Since I have been trying to pay this early, I am not liable for additional interest payments. The loan needs to be settled at fair value and I have been trying to do this for3 months now. They dont respond and forces me to make the payments monthly.They should be investigated for how they manage interest accruals in contracts and charge their customers.I am requesting that CFPB discuss these practices with the lender and ensure these issues are resolved. Rapid Auto should not be in the business of lending considering these concerns. I am sure others have experienced these deceptive practices by the company. They should be audited and fined for these occurrences. I am also requesting their license be put under review while CFPB investigates these claims.Thanks,
Consumer complaint received 2021-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I entered a one-year forbearance plan in XX/XX/XXXX. From my understanding, the forbearance was from XX/XX/XXXX to XX/XX/XXXX. In hopes of addressing the back owed amount prior to the forbearance ending, I reached out to Bank of America in XX/XX/XXXX to confirm my options. BofAs representative advised that I had to pay the entire forbearance upfront. Concerned with the threat of foreclosure, I agreed to look into it and follow back up. 

I reviewed the CARES Act and called BofA back to assert my rights. I was told to submit a request for mortgage assistance through their portal with the guidance of their Home Loan Assistance Document Checklist. The portal stated the process would conclude within 10 days. I maintained close communication with my assigned representative, XXXX XXXX, who confirmed on XX/XX/XXXX that my loan was being updated with modified terms. 

I did not hear anything else for over a month. Concerned with the forbearance ending soon, I connected with XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). I submitted a third-party authorization form via BofAs online portal on XX/XX/XXXX. I followed up on XX/XX/XXXX and their representatives claimed it was not on their system, so I resubmitted it and XXXX faxed it that same day too. BofAs representative XXXX advised me to resume my mortgage payments after XX/XX/XXXX while everything was finalized. 

XXXX explained that because I was able to resume my mortgage payments, I would qualify for a standalone partial claim under the FHA post-forbearance guidelines through the CARES Act, since my loan is an FHA mortgage. I decided to proceed with a standalone partial claim request, especially since my XXXX request for mortgage assistance was getting nowhere, hoping this would finally resolve the forbearance. 

XXXX requested a standalone partial claim on XX/XX/XXXX. BofAs representative stated that the paperwork would arrive via XXXX within 5 8 business days. On XX/XX/XXXX XXXX followed up, since I had yet to receive paperwork, and BofAs representative claimed the paperwork could not be mailed out until I was out of the forbearance plan. The second representative recorded the request and stated it could take up to two weeks to confirm if I can be evaluated for it. 

XXXX followed up on XX/XX/XXXX. BofAs representatives refused to continue communicating with XXXX, claiming XXXX was not authorized on the account. I followed up on XX/XX/XXXX. BofAs representative XXXX claimed their records reflected that I did not qualify for a standalone partial claim because I was not current prior to the forbearance. 

I requested an escalation, since I was current prior to entering the forbearance, which he said would take 7 10 business days. I followed up after the 10 days and was advised that there was no record of the escalation request, therefore it would take 7 10 additional business days. I followed up after the additional 10 days and was told there was no update to my escalation.
Consumer complaint received 2021-06-21
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. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # XXXX I was never late 30 days XX/XX/2020 XXXX not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # XXXX I was never late 30 days XX/XX/2020 Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2022-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I have been working with Wells Fargo on an FHA COVID-19 lpartial oan modification since last year. I thought that the process was over as I was told by XXXX XXXX XXXX that I would be receiving the loan modification in the mail. I did, but the problem is that my ex-husband is now on the loan package. I called XXXX XXXX two or three times in the past week ( XXXX ) asking why my ex is on the loan. The last modification package that I received ( which apparently had mistakes in it-hence the mailing of a new one ) only had my name on it. I am trying to find out if the loan package that was just my name was a mistake or not. No one will get back to me. 

He hasn't called me back nor has a man by the name of XXXX XXXX that responded to my last complaint ( XXXX ) who've I have also called and left messages on his phone ). I need to know what is going on as I need to get it notarized and sent back to XXXX by XX/XX/2022. I spoke with the mobile notary that was sent by XXXX and they can not notarize the document w/o my ex 's signature. 

Please help. I am afraid again of losing my home because XXXX won't respond to me. I've done everything that they have asked and still, I am in limbo. Last time they mailed and XXXX me over 4 foreclosure notices because of an error on their end. I don't think I can take any more stress over this predicament. 

Thank You, XXXX XXXX
Consumer complaint received 2021-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

please review the following accounts that appear on my credit report, without any authorization, it is hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-21
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: Bread Financial Holdings, Inc. (NJ)

This inquiries don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. 1. Identity Theft CCB/XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Charleston Area Medical Center (WV)

I am XXXX and was waiting for XXXX to pay their part on the medical bills so I got behind on my bills. I wanted to pay off the bills so I called and was charged XXXX this was on XX/XX/XXXX. This was the total I owed so I paid it. 

Got a letter XX/XX/XXXX, saying I was behind on a bill fro XXXX so I paid it. 

Now come to find out that bill was from XXXX XXXX, and had been paid in the XXXX I paid and now they will not return my money. 

The billing office is hateful and condescending and just try and make you mad..They don't know what they are doing and get paid for that They transfer me from one agent to the next al the while saying smart and hateful things. 


One office blames the clinic the clinic blames the billing office.
Consumer complaint received 2021-06-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Bill was paid in full on the XX/XX/XXXX including any pending charges before billing cycle of XX/XX/XXXX on XX/XX/XXXX I was charged {$13.00} for interest I called and spoke to a customer service person and a supervisor about how XXXX days after a XXXX balance on the account is now charged interest. Their story is because it is considered a revolving card the continue to charge interest. I replied they can eat that interest and cancel the card however I didnt wait around for more of their excuses to make profit for nothing. The Card holder Bank is Capital One Bank.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AL)

Made electronic payment from my XXXX XXXX XXXX to Citi Cards account. Citi has received payment, payment cleared my XXXX XXXX, but XXXX won't post payment for 2-3 days. This payment was originated on XX/XX/2022, cleared my XXXX XXXX on XX/XX/2022 and has yet to post to my Citi account. Previous payment ( electronic ) originated on XX/XX/2022 from same XXXXXXXX XXXX/same account credited to my Citi Card account XXXX XX/XX/2022.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/21 I submitted a letter disputing my personal information as there was inaccurate information being displayed on my credit report. They never corrected the problem or responded. I sent another letter on XX/XX/21 for the same issue. They have made no changes despite my multiple requests. Due to the fact that identity theft is at an all time high, it is important that these variations of my name, address and place of employment are removed and my personal information is displayed correctly. My information was also impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts listed are fraudulent someone stole my personal information AND social security number and photo ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME ... I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

between XX/XX/XXXX and XX/XX/XXXX I paid XXXX a total of {$3200.00} for the services of " XXXX XXXX XXXX '' a moving company that solicits business on XXXX They submitted fraudulent billing ie : billed too many hours and billed for workers who were not working and then they stole {$15000.00} worth of my household goods. I tried to resolve the issue with XXXX XXXX XXXX and I tried to resolve the issue with XXXX but XXXX refuses to take responsibility even though they allowed a criminal enterprise to solicit on their website, gave them fake reviews and did not screen them properly. XXXX claims they have no responsibility for for issues with movers who solicit on their website but they do not make this statement available for you to view before paying for their services. A sort of bait and switch routine as I see it. I tried to dispute the charges on my Capitalone Visa card but eventually they held me responsible for paying all charges. I believe they are in the wrong by doing so.
Consumer complaint received 2021-06-21
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. (NY)

I seem to have a fraud issue with XXXX. They are trying to collect a debt since XXXX XXXX. At the time, I was only XXXX XXXX XXXX. I reported this incident to XXXX and XXXX and they were able to remove this from my credit report in about 3 days. However, I sent 2 reports to experian about this matter. One report contains my ID, explaining that I was a minor at the time. The other report was filed a week later to their customer support email, explaining that I was a minor at the time of this account opening and that I still haven't received a response back from customer support. I dont know the exact date of the reports that I made, but I know its been well over 30 days since sending these reports.