davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last XXXX digits are XXXX and who is this?
Consumer complaint received 2017-09-10
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)

Equifax did not take proper precautions with my PII and carelessly exposed it along with millions of other peoples PII. Data should not have been able to be accessed via a web application, and it absolutely should have been encrypted. now they are making money on all of those who are effected having to pay them to freeze their credit accounts.
Consumer complaint received 2017-09-21
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: Ditech Financial LLC (NJ)

Hello, I attempted to make a payment online to Ditech on XXXX XXXX, XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XXXX XXXX, at XXXX XXXX  when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XXXX and was advised that Ditech put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (WV)

I made a purchase to XXXX on XX/XX/XXXX for a T-Shirt with my Bluebird by American Express Card in the amount of XXXX, I did not receive the merchandise. I notified Bluebird about this and filed a dispute for the charges on XX/XX/XXXX. I was advised that if the dispute could not be resolved within 10 day that Bluebird would issue a credit. As of today 's date XX/XX/XXXX the credit still has not me issued. I made a call to them inquiring where my credit was and was advised that if the merchant refuses to issue a credit back to my card then they ca n't help me.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

XX/XX/XXXX To : Toyota Credit Research Team, Account number : XXXX Ive been approved for two payment extensions for my XXXX Toyota XXXX beginning XX/XX/XXXX. Since then I have signed the agreement and mail it out to the address on the agreement Toyota Motor Credit XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted Toyota about the status of the extension since I didnt see it reflected on my Toyota account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XX/XX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XX/XX/XXXX the negative marks from XX/XX/XXXX on are incorrect
Consumer complaint received 2017-09-10
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. (WI)

In XXXX XXXX, I utilized Equifax for a credit report, as I do every few years from this company. In light of the recent cybersecurity breach, I chose to check if my data was compromised via the website www.equifaxsecurity2017.com. After supplying my information ( much to my hesitation ), I received the following message : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] For more information visit the FAQ page.
In no way did I authorize for Equifax to distribute or make available my personal information. Historically, I have submitted my personal information, including but not limited to my name, DOB, SSN, addresses, and drivers license numbers to Equifax in secure sessions in order to obtain my credit report.
According to the FTC, this breach lasted from XXXX until XXXX. As a trusted credit reporting agency, Equifax should have notified impacted consumers as soon as the breach was known, so that they would be able to take decisive and proactive measures. Instead, consumers such as myself will have to act in fear and with the potential for significant losses.
Consumer complaint received 2017-09-21
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. (IL)

I am a victim of the Equifax breach. For XXXX months between XXXX and XXXX Equifax 's failed to secure my personal identifiable information, and that of XXXX XXXX other Americans. 

I never consented to Equifax mining my personal life to build a file on my behavior they could then sell to others at a profit. I never consented to Equifax inadvertently releasing that information to those who intend to misuse it. I certainly never consented to Equifax waiting several months to alert me of this grave security threat until the time was best for them. 

I certainly did not consent to Equifax adding insult to my injury by pressuring me into signing up for a XXXX XXXX service ( run by the same company who failed spectacularly to safeguard my information in the first place ) simply for the privilege of learning if they had failed to protect me.
Consumer complaint received 2017-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northland Group Inc (TX)

The following debt is over 7 years old. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. 

The last activity with both debt were XXXX2010. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.
Consumer complaint received 2017-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (SC)

My mothers credit file ( XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX ) is showing a Chase Card, XXXX XXXX, XXXX, DE. XXXX, XXXX opened on XX/XX/XXXX when she was XXXX years old. On XX/XX/XXXX this account was closed, charged off with a balance of {$11000.00} due. With a Power Of Attorney I contacted Chase VP XXXX XXXX in their CRA department as well as numerous managers to validate the debt to no avail. Chase employees have repeated given me a facsimile line of XXXX to send the document in order to discuss this account. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this was done. Additionally A copy was sent to Branch Manager XXXX " XXXX '' XXXX of their XXXX, Ga. branch with no resolution. 

As of this morning I again talked with Senior Specialist XXXX? -XXXX and was told he would not be able to discuss this account. Chase has begun a deliberate and unlawful refusal to validate this account
Consumer complaint received 2017-12-07
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. (OH)

This is regarding creditor XXXX XXXX XXXX account # XXXX. Previously, the creditor claimed a charge of amount of {$6300.00}. As of XXXX-17 per email and phone conversation with an account representative with XXXX XXXX XXXX, the account balance has been updated to {$0.00} from the incorrect charge off amount of {$6300.00}.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NM)

On or about XX/XX/2017 I made a purchase from XXXX XXXX, a XXXX XXXX. I purchased a power washer and agreed to pay for the purchase through a credit offer from Synchrony Financial ( credit card ). I went on line to Synchrony 's web site to review my bill and set up payments ... There was a " Promotional Purchase '' offered " no interest for 12 months '' I entered into that payment plan. Having participated in other 6-months, 12-months, same a cash offers I thought this was a good deal, until I went on line after my first payment had posted and reviewed my bill. I shocked to see " Promotion Fee '' of {$50.00} added to my bill. I called the company ( XXXX ) to inquire about the {$50.00} fee and was told that by singing up for the " 12-month promotion '' I agreed to pay the {$50.00} fee. I stated that at no time was I told that there would be a fee of {$50.00} to enter into a same as cash payment plan. The customer service person informed me that cost was in the contract I signed, I replied that I was not informed that this type of fee would be imposed. I requested to speak with a supervisor, XXXX # XXXX in XXXX came on the line, I explained my situation to her and she replied : " I 'm sorry Sir there is nothing I can do for you. '' She went on to say that you should have looked at the paper work before signing. I feel that this is a fraudulent action by Synchrony Financial, the {$50.00} fee I was charged would possibly end up being more than any interest I would have paid on a {$400.00} charge over a 12-month period.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-12-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Aqua Finance, Inc. (FL)

This is a add on to a complaint I already put in on XXXX XXXX,2017 complaint XXXX about AQUA FINANCE, INC.. 

I had put in this prior complaint and was surprised and thought great customer service since I received a call the next day on XX/XX/XXXX from a " XXXX '' who was in management ( called from a unknown number ) and she apologized over and over how Aqua Finance was wrong in this whole process with me, all representatives/Managers I spoke to all stated I was late/past due and that was incorrect regarding my account, which I am very upset about if I did not know my laws and or rights then that would of been it. XXXX explained how all of this was " bad training and they will look into this '' and how she wanted to move forward with the process of loan I agreed she stated she will make notes and forward all my info to the head guy in financing and I will get a return phone call. Well go figure .... it is now 8 days later and no returned phone call or any emails etc..I have no idea if I was approved, denied, nothing! I am so frustrated with this process especially how I feel I was told I was denied original on the prior claim which is NOT correct and in my eyes a " False Statement '' from the Finance Company this is very unprofessional and agian I am highly frustrated due to now allowing them to move forward and fix the problem they have made the situation worse and once again misleading information by having someone contact me back ( after pulling my credit ) and NO ONE can communicate with me in regards to the loan process, I have no call back number for this XXXX and I do not want to even call customer service do to the prior complaint and I was mislead/lied to by all the managers ... .this is the MOST horrible experience I have been through when applying for a loan, especially frustrating that I have a existing loan which is in good standing so I have a relationship with this company already.I need to know what I can do about this i feel like I have false denial statements ( original complaint ) and now this company has pulled my credit and no phone calls back to me ... .I am ANGRY!!!!!
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

This is regarding creditor XXXX XXXX XXXX account # XXXX. Previously, the creditor claimed a charge of amount of {$6300.00}. As of XXXX-17 per email and phone conversation with an account representative with XXXX XXXX XXXX, the account balance has been updated to {$0.00} from the incorrect charge off amount of {$6300.00}.
Consumer complaint received 2017-12-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Since XX/XX/XXXX, I started submitting all requirements for Loan Modification to XXXX XXXX, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. 
I was requesting for their XXXX in-house Homeowners Assistance Program Evaluation Summary that they sent to me last XX/XX/XXXX and until now appealing XXXX to follow the right Federal Home Affordable Modification Guidelines. The right determination on the Evaluation summary indicates that on the Loan Modification Agreement should be FIXED RATE NOTE and not Adjustable Baloon rate, where the rate is fixed on 30 year loan ; the only change in our payment would result from changes in my taxes and insurances. Its not acceptable the BALOON NOTICE of {$180.00}, XXXX after XX/XX/XXXX. The way XXXX modified my Loan is illegal and not under the Federal Home Affordable Modification Guidelines. 
XXXX is trying fully vesting in & entitling me to unapplied amount Principal balance of {$80000.00} that XXXX have to Deffered my balances eligible FULL FORGIVENESS of DEFERRED PRINCIPPAL REDUCTION amount and NOT BE REDUCTION only for 1/3 %. I respectfully request that the loan be modified from their 20 year term to a 30 year term or 40 yrs, the interest rate be reduced to the current 20 year market rate and the payment should be adjusted accordingly. The very minimal reduction in payment in XXXX HAMP modification they did for me is not acceptable or affordable. It has to be re- calculate into FIXED RATE NOTE and not Adjustable Baloon Rate. 
I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated from XXXX XXXX Mortgage servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request now in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with XXXX XXXX requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. XXXX XXXX have not dealt to me in good faith until this moment.
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I have made several attempts to rectify this matter with Experian and XXXX. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO. (GA)

In XXXX of XXXX I filed a report with CFPB stating that the information on my Ford Motor Credit account was incorrect. Ford resolved the issue saying that no delinquencies should be shown on my account from XXXX through XXXX XXXX. However, in XXXX of XXXX a late payment of 30 days for the month of XXXX of XXXX was posted back to my account with Ford Motor Credit. This is all in case XXXX of mine with the CFPB
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (OH)

My ATM card was stolen and several unauthorized transactions appeared on my account. XXXX XXXX has denied my claim. They have n't even investigated. If they had, they would know that I did n't make these transactions. Also, they did n't even include all of the unauthorized transactions in my claim. They only included 2 ATM transactions and one debit card transaction. There were several others.
Consumer complaint received 2017-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NC)

Within the last several days, a collection agency named Diversified Consultants started reporting a debt on my credit report. I have no outstanding, unpaid debts ; and this listing is a mistake. Furthermore, I received no notice of this account from Diversified Consultants INC, and would have certainly contested it, if given the opportunity. The Fair Debt Collection Practices Act states that a collection agency is required to give a 30 day notice to dispute BEFORE they report the account on one 's credit report. I was not afforded this opportunity, and this is a violation of my federal rights. This account just showed up on my report, without any notice at all.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

With the XXXX data breach, my wife and I spent hours trying to 1 ) get our credit reports from Transunion, XXXX and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from Transunion and XXXX on line but XXXX is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call Transunion to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. XXXX should be paying this not us as they made the XXXX up. This entire process needs to be shut down.