davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
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. (FL)

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE EQUIFAX BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department 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 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (AL)

i notified equifax about getting my free credit report and i was declined to get one. and i provided them all types of verifications to them about my idenity and i was still declined to get a free credit report. but at this moment i am having to go through alot of red tape just to get a free credit report. it is wrong or there may be some thing that is in my report that they don't want me to see or inaccurate information that is in my report that they don't want me to see.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I went to there website, although I knew this was a predatorial collection agency trying to collect on old debt over 7 years ago. 

I just have to pay them off to keep them from messing up my credit. 

I compensated TSI for the old debt originally under XXXX. 

I paid {$350.00} TSI for the debt on XX/XX/2020. 

The account number is XXXX and I was given a confirmation number : XXXX after payment in full. 

I was told the account will update the payment in 48 hours. 

I seen know change and I can't get back into the account I paid them with. 

I have all emails, snapshot and statement of payment with TSI for  {$350.00} I'm concerned about the account not honoring and indicating the {$350.00} payment. 

I experienced problems with logging into the website today to see if there was a change. 

If I honored the debt by paying in full, then hadn't this company indicated it yet?
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I received a letter from the collection agency, National Credit Systems, 6 months after my family and I moved out of XXXX XXXX XXXX  on XX/XX/XXXX. 
They charged us in the amount of {$600.00} for cleaning 3 bedrooms, and damages. My wife and I own our own cleaning business, we made sure the whole house was spotless, the {$150.00} was unnecessary for cleaning and I have pictures to prove. 
Sheetrock Repair ( {$250.00} ) : this was caused from water leakage in the kitchen, and the maintenance crew at XXXX XXXX XXXX took too long to come and fix the leak. 
Also, in my contract from XXXX I had a security deposit of {$300.00}, and my renewal contract after that the security deposit went down to {$170.00}. I am unsure what happened to the {$120.00}, and when I asked the Property Manager she said she would look in to it, and never got back with us.
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (IL)

WorldRemit money transfer # XXXX was never made available after being advertised as an instant money transfer. I used the system because of this claim however the money has not been made available after 4 days. There is no way to contact the company or cancel the charge through the online website. I would prefer to cancel and use another system I have tried to call their call center number which leads you in circles and they refuse to answer emails due to Covid-19 which makes no sense. Thank you for your recent email. Due to the present Covid-19 situation, our customer service team are unable to respond to your email at this time. I believe this company has been using false advertisement. baiting potential consumers into believing the money will be made available sooner than it really is. Please investigate the claims made on their website.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

I have tried several times to obtain my tax information for my residence so I can complete my taxes from XXXX. I've called several times and the issue is not resolved. This information is legally required to be sent no later than XX/XX/XXXX. 

This is for Loan number XXXX from Loancare.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (TX)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-05-20
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

On XX/XX/2020 Mr. Cooper/Nationstar Mortgage submitted a second application without my consent which created a hard credit pull. They not only did this once but twice to my credit. Why would one company need two applications and two hard credit pulls? I have reached out to the company and said : " I apologize for not fully explaining the process ''. I don't think its right for a company to submit applications without approval to pull a hard inquires on my credit. Moreover, how were those legal questions answered by them on my behalf?
Consumer complaint received 2020-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tesla, Inc. (DE)

Tesla has been charging my solar energy equipment lease account a {$7.00} monthly non-ACH auto pay fee since XX/XX/XXXX to XX/XX/XXXX even when I have a {$900.00} credit balance sitting on my account. I paid a total of {$52.00} in non-ACH fee in total without any payment services performed by Tesla. I earned no interest on the {$900.00} credit balance and the balance was more than sufficient to cover monthly payment of {$52.00}. I have no idea where this non-ACH fee came from and try to contact Tesla for assistance. Customer service rep responded via email stating I need to setup auto pay to remove the {$7.00} non ach fee each month. I don't understand this requirement as the credit balance on my account was more than sufficient to cover monthly payments for about 18 months. Tesla does not have to process ACH payment ( or non-ACH ) each month due to the large credit balance on account.

Tesla is padding erroneous fee on solar equipment lease agreement to take advantage of consumers not reading their monthly billing statements which is only available online not via paper statements.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (GA)

I pay I rental vacation house but I cancel my reservation later and at the moment that I cancel my reservation with XXXX the account was closed with Wells Fargo and I try to make a claim for the amount of XXXX. Dlls for the reservation of the house but they send me I letter that said that they cant do nothing about it because my account was closed and by the way at that moments the owners of the was try to make me the refund of the reservation but the bank send back the money to the owners house and now the owners dont want to resolve me this situation because they said that they refund me all ready buy I never received that money because the account was closed
Consumer complaint received 2020-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

Chase bank was contacted regarding an account that was not verified to be mine. I sent them a request pursuant to section 611 ( a ) ( 7 ) and section 623 of the FCRA. Chase Bank has not verified the debt and is willfully violating the FCRA. They do not have any original documentation, they have failed to respond within the legal timeframe permitted, and this account is not mine. Civil litigation is pending and will be filed if this is not resolved.
Consumer complaint received 2020-05-19
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 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 2020-05-14
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)

XXXX XXXX  LAST SS # XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX XXXX XXXX {$1100.00} I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Was notified by XXXX that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX XXXX XXXX XXXX OF TEXAS for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any XXXX XXXX provided to me since XXXX. I contacted XXXX on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day XXXX XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked XXXX how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. XXXX once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both XXXX and Equifax have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any XXXX XXXX provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information. Also, with Equifax, their online system allows you to dispute addresses and inquiries that should not/or do not belong to the consumer. Twice, I have disputed a couple of addresses and inquiries I did not authorize, and nothing was done ... .not even an update on the disputes!
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

Every time I log in to Citi / Best Buy account I automatically receive a notification that I have exceeded my log in attempts and that I must reset my password. This makes it prohibitively difficult to make payments timely. I contacted Citi / Best Buy and was advised that they require the password to be reset for security. Requiring that the password to be reset every time a customer would like to access their online account is a UDAAP/UDAP concern, as this is an unfair practice that negatively impacts the ability to make payment and is not a reasonable measure to ensure security.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-05-14
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. (CA)

AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO XXXX  DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 


WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS NOT MINE!!!!!!
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (ID)

Nothing. As usual, Equifax demands that I do things their way. They refused to help me in any way. I should not have to order my free report in writing because their so called " security questions '' DO NOT pertain to me or my credit at all. I am trying to verify what is on my credit report so that I can proceed to get a mortgage loan. All 3 credit reporting agencies are a pain in the XXXX to deal with and do not care about the people who work very hard to do what they are supposed to do financially. Why are there 3 of these XXXX companies anyhow? One is plenty.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

I have requested from Equifax my free annual credit report three times. I did receive my XXXX XXXX and XXXX  reports. However, I need my Equifax report and I even submitted a copy of my drivers license to confirm my address. Please Help!
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I applied for a cash-out refinance with loanDepot and let them know upfront it was an investment property that my partner and I had owned for less than 6 months. I also advised I did NOT want to pay any points for the interest rate. Every loan estimate I received showed points being charged with NO explanation given as to why I could not receive a loan estimate without being charged any points. 

After several weeks of trying to get information from my loan officer I requested to be put in touch with his manager to see what was going on. A simple refinance had stretched into a multiple month ordeal just before the Covid-19 drama had started. I should have been able to complete this BEFORE all the shelter-in-place requirements and surge in customer assistance. The manager called me ONCE, and I still did NOT receive a loan estimate showing NO points or an explanation saying I couldn't qualify for a loan with no points being charged. 

Strangely I then received a denial letter stating I didn't qualify because of my " length of residence ''. There was NO explanation what " length of residence '' meant and NO call from my loan officer to advise as to why I was suddenly denied supposedly based on information I gave when FIRST giving my application information. I have been at my current residence 10 years, and I was told by the loan officer the length of ownership in the subject property wasn't an issue. 

It appears my loan was cancelled and MONTHS of my time and energy wasted because I did not want to pay loanDepot points. I have good credit and no income issues. At NO point was I asked for additional documentation to address any residency concerns whether it be for my personal residence or the ownership length of the investment property. I was not advised at ANY point in the process of the requirements or how I may or may not qualify, and NO one will contact me back, even when I requested to speak with their Office of the President.
Consumer complaint received 2020-05-13
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 called into the XXXX XXXX XXXX IN XX/XX/2020 ( like everyone else ) and got an automated system and elected to use the government mortgage relief program for Covid-19. I was suppose to be called and we were to discuss what OPTION I was going to CHOOSE. I was never contacted. And they ( XXXX XXXX XXXX   ) WITHOUT MY KNOWLEDGE CHOSE THE Forbearance OPTION. I was under the strong assumption that I had many options. 

My issue right now is they also reported to the credit agencies false information about my loan. Number one : The loan should have not increased XXXX. ( they added another XXXX plus another XXXX to the loan. That was reported to the credit agency AS WELL AS THE FORBEARANCE. Also I did not choose to be in any kind of forbearance or loan modification as of yet. I was suppose to be contacted and choose the option on my own. 
My credit score decreased in value today BY 29 POINTS. With my Credit simulator my credit score would have been XXXX next month. Instead it dropped to XXXX And I have been working on getting an excellent credit rating for years now. Their were suppose to be NO credit reporting from any mortgage company during this time of COVID-19 CRISIS. But XXXX reported the credit to the agencies. 

I feel I have been wrongfully serviced by XXXX during this Covid-19 experience. I feel that they owe me an NORMAL loan and let me out of this predatory loan that I am in. 

Thank you in advance for your help XXXX XXXX XXXX