davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (VA)

First of all, this is my Social security benefit card in which Social security automatically for some reason signed me up. Ive used it for nearly 3 years with no problems. Its thru Direct Express. On XXXX XX/XX/2019, I contacted them at XXXX, and mentioned to them my card has been damaged, and needs to be replaced. This is the first and only time after nearly 3 years I needed ANY assistance from Direct Express. The woman I spoke to said in order to issue you a new card, we need to deactivate the old card in my wallet. I thought that seemed strange, however I told them that was ok to do. I paid an extra {$13.00} to have them expedite it to me by XXXX XX/XX/2019. I use this card to pay my mortgage, electric, telephone, groceries, and car insurance, so I needed it as soon as possible. They also said there would be a tracking number on my email. Well XXXX came and went and no card. I contacted them on XXXX, and they were rude and hung up on me. I looked up this bank on line, and first of all theres no physical address, they only have a 1 star rating, countless number of complaints.Well after 45 minutes of trying to contact them I finally spoke to someone who understood English. She rest assured me she would help me out. She told me she would reimburse the {$13.00}, and send me out another card on XXXX XX/XX/2019 Meanwhile Ive been watching my account online making sure funds are not coming up missing.It still shows that its all still there. 
Told me in would be in my hands by XXXX XX/XX/2019. Once again no card.They told me to wait because of XXXX of XXXX it could take a little longer. I contacted them again on XXXX XX/XX/2019, and the man who could not speak English told me the problem this time is I live in Virginia, and supposedly they addressed it as Vi, and not Va.Once again reassured me they would send out another card, expedite it to me for another {$13.00} and I would have it in my hands by XXXX XXXX XXXX. I realize Im 1 day early, however once again they told me I would be able to tract it on-line, and there is no tracking information available. PLEASE PLEASE HELP ME. Im a XXXX an on a fixed income and I need this money to live on. The amount is {$3500.00} not including the {$27.00} they charged for supposedly expediting the 2 cards. Remember there are supposedly 4 card involved. 1 in my wallet thats been deactivated, and 3 supposedly sent to me. 2 expedited, and 1 sent in regular mail. My name is XXXX XXXX XXXX XXXX. Phone # XXXX. Address is XXXX XXXX XXXX XXXX. XXXX, Virginia XXXX. XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (FL)

Hello, you all removed Source Receivables management from my XXXX  report a few weeks ago successfully. this account is still reporting on my XXXX  report. If you can get this removed. I would gladly Appreciate it. this account was deleted and later purchased by another Collection agency.
Consumer complaint received 2019-02-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc. (AL)

I was prior to hard hit credit i was confirm all my information and submit required documents to SOFI and i was confirm them 3 times over the phone before submitting application and their representative were confirm you are eligible for our loan program and you documents also verified as well that can be meet our criteria. After submit my application they were saying we are not consider your documents to lend you money since i not meet the their criteria. All and all i would they they were lied to me and unnecessary force me to push submit application and they hard credit pull that effect my personal credit. I was also reach out them to resolved issue but they were suggested me to report online. That is the reason I am reporting here.
Consumer complaint received 2019-07-15
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: WELLS FARGO & COMPANY (GA)

I have been in XXXX since XXXX XXXX - until XX/XX/2019. Went into wells Fargo bank showed them the discharge papers from been released from XXXX and the papers when I got XXXX I have to go through this process is stressful when I have to go with the law on fraudulent people identity is not acceptable in USA. So why is the financial institution letting people get away with it because they doing the same thing, Don't care about people getting their identity stolen so they can straighten their credit out. Thank you
Consumer complaint received 2019-07-15
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: DISCOVER BANK (NE)

I contacted discover card helpline on their messaging option and i got auto reply some of our agent will contact you soon but I kept on waiting for almost an half an hour but there was no reply from them and till now my query has not been resolved and it is height of unprofessionalism that now their messaging option is not working at all in my discover phone application, seems like they blocked intentionally and they are continuously harassing me.So I request you intervene. 

Thank you
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VT)

I had no difficulty putting a 'freeze ' on my credit reports with XXXX or XXXX . On the other hand, Experian required that I answer more questions and provide more information ( that I entered 3 separate times ) and then denied completing my online request saying, " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' They said I must instead send copies of ID by mail as well as all of my personal information. They provided a telephone number for customer service and implied this was another option for identity verification ( as it was with one of the other two companies ). After requiring me to provide much of the same personal information ( computer, not a person ) on the phone they said they would only accept mailed information, repeating a long list of what they would require and then just hung up. There was no option to speak with a customer representative. 

It appeared that Experian really had no option to complete the security freeze online even though they presented this as a routine option on their website.
Consumer complaint received 2019-07-13
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. (MD)

I've reported this dispute several times. 
XXXX has updated my credit based on my report and XXXX ; along with Equifax have yet to update the lateness 's on my report. I had a loan and stated I went 30,60,90 days late on an account while making payments on all of those months That doesn't make sense and missing a payment as small as {$19.00} for 3 months while making a considerable amount of money doesn't make sense either. 

That is not possible. 

I paid all of my payments on time 4 screenshots will be attached two are my XXXX payment history one is the updated report by XXXX based on the screenshots and information that should be updated this way on Equifax & XXXX The last is how it shows on Equifax ; along with XXXX You can not go 30,60,90 days late on anything while actively making your payments. 
The only way this will happen is if you're near defaulting on whatever loan or account Even if, the payments were late. they are made on a 14 day biweekly payment system - Whatever payment was made would still just rollover to the next two week period and never report as late. 

This is the last time I'm reporting these issues and the next will have to be legal action
Consumer complaint received 2019-07-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (GA)

In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX - Loan Servicer Bridgecrest. My car insurance became unaffordable and I allowed it to lapse. After being pulled over for no car insurance on XX/XX/XXXX, my car was impounded. Reinstating my car insurance was unaffordable at that time and it took THREE MONTHS to get my car back. I allowed a voluntary repossession so that the impound lot ( XXXX XXXX XXXX ) wouldn't sell my car at auction ... But when Bridgecrest received my car, they almost immediately prepared it for auction. I was able to get the car back to the sum of {$2500.00} paid directly to Bridgecrest ; {$150.00} in XXXX fees to pick up the car, plus associated fees - tickets, fines, etc. 
Reinstating my loan raised my car note from {$190.00} bi-weekly to $ XXXX  monthly. I had no other options. Also, I can no longer pay for free - there's a {$4.00} fee on top of this new payment amount. 
Recently, my payment was late. It was due on the XX/XX/XXXX and I got paid on the XX/XX/XXXX. I reached out online twice and spoke to no one. I was unable to pay online by XX/XX/XXXX. Less than 7 business days and ONE payment late, my car was repossessed. Now, they will not give me the car  unless I pay {$1700.00}! I can't afford that! My car will again be taken to auction. 
Please help me get my car back. I've invested so much time, energy and money. They've been bullying me from the beginning, convincing me to do the voluntary repossession and setting it up for auction very quickly afterwards. Twice. 
There must be a way to get my car back - again ; it is ONE payment that was less than 7 business days late.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/XXXX, Midland Funding LLC filed a false claim against me in the District Court of Maryland   for XXXX XXXX stating they were the owner of an account I had with XXXX XXXX   in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX , XXXX, a XXXX   XXXX XXXX XXXX ( the " Seller '' ), and Midland Funding LLC, a XXXX XXXX XXXX XXXX ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with XXXX XXXX. Midland Funding LLC is not the legal account owner of any accounts I previously had with XXXX XXXX. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX XXXX  XXXX, who represented Midland Funding LLC according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that Midland Funding LLC was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out Midland Funding LLC had violated the Consumer Financial Protection Act of 2010, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. Midland Funding and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (PA)

For Years, Ive had an escrow account with T D Bank to pay my real estate taxes and homeowners insurance in XX/XX/XXXX. 
I was notified in XX/XX/XXXX by T D Bank that I had no Insurance ( not true ) and they will provide their insurance at an additional {$2000.00}. 
I called my broker and he said my policy was going to lapse if it was not paid ion 7 days. It turns out, T D bank never released the funds. I thought I had it straightened out so I paid my broker with a credit card and he will reimburse me when the payment in full comes form T D Bank. 
It never came and then I received a notice of cancellation for non payment. 
T D bank appoligized and turns out they only made a partial payment that was due at the moment. I got another notice of cancelation and I paid the balance in full. 
Along the way of trying to resolve this I signed a form for T D Bank to stop taking money from my checking account to the escrow account andI will pay my insurance next year on may own and to refund me the difference that they never paid this year. 
They continue to keep my money and they are still deducting money from my checking account for my next years insurance premium. Once again, XX/XX/XXXX, ( see letter from XXXX XXXX ) I tried to get this straightened out and Im told, I will receive a full refund of non paid premiums and any deduction for payment for XX/XX/XXXX within 3 business days. 
No Refund and another deduction in my account for XX/XX/XXXX towards the XX/XX/XXXX Policy They are stealing my money, lying about refunding it to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2019-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

We purchased a home in XX/XX/XXXX with the original loan being a 5/1 ARM, the mortgage company at the time was Washington Mutual ( WAMU ), which became JP. Morgan Chase after the financial meltdown. 
In XX/XX/XXXX we were provided a loan modification by our mortgage company ( JP Morgan Chase ) since we were 2-3 payments behind, however we were not in foreclosure or pre-foreclosure. 
After providing all the requested information and documentation we were sent some documentation to sign and return, which we did. Last spring I contacted the mortgage company regarding a possible refinance in order to eliminate the PMI on the mortgage payment, during the conversation I enquired about the length of our loan, the representative would/could not provide that information. We never went forward with the refinance, however I was still curious about the length of the loan and after looking at my online account I was able to see that the maturity date of XX/XX/XXXX. I've since received copies of the original loan modification agreement confirming that XX/XX/XXXX is the maturity date of our mortgage. 
This means that our 5/1 ARM was refinanced into a 40 year mortgage at 4.625 % after requesting a modification in order to lower the monthly payment, and catch up with 2-3 months pass due payments!
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2019-07-13
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: Experian Information Solutions Inc. (FL)

To Make a long story short I and 3 other family members signed a rental contract with XXXX XXXX 4 Rent.They filed evictions against us wrongfully with lies such as non payment of rent we forwarded copies of rent receipt ; copy of money order for the month that month which they refused to take we paid our rent every month in full.they also lied to courts said that utilities was included with rent.Our utilities was being paid monthly directly to XXXX XXXX XXXX if we did not pay XXXX we would lose our utility services we received billing from XXXX every month.proof of that to XXXX totally refused that month rent ; file evictions with lies.City code officer inspected the house at time of our occupancy and found bad mold which we should not have ever been continuing to live with anyway we told XXXX they refused to correct. we reported all info with answer to eviction summon also copy of money order and copy of email from XXXX that money order was refused and keys was demanded.so actually XXXX really just gave us back the rent money really.Final Judgement only ruled us to give them they property and we did they kept our {$14000.00} deposit unjustly. The Judge did not order any money owe to XXXX and closed the judgement final. XXXX now has XXXX XXXX reporting neg on my credit report.still they was deleted from all other parties credit report I do not owe XXXX or XXXX XXXX either I should have fair treatment as well we all went through the same thing.Neither one of us owe them and should not be on either of our credit report. we have no money owed with a judgement against us for XXXX even the clerk of court will tell you that they tell us
Consumer complaint received 2023-07-02
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: JPMORGAN CHASE & CO. (VA)

I took my father who has XXXX XXXX down to Florida, when we arrived at XXXX XXXX. When I went to get him and his XXXX  and XXXX XXXX off the bus, I left my XXXX purse with his medications, and my drivers license, my debit card and a Chase XXXX  card in the wallet, I found a police report. I also checked with Los and found the purse was never found. I provided Chace with the police report and paystubs where I was back home when the card was being used and I also provided them with proof that I had to replace my fathers medications. They still are saying I am responsible even though I found the card as lotta stolen, lost. I lost the card on XX/XX/XXXX and I returned back home to Virginia on XX/XX/XXXX the card was used. through XX/XX/XXXX after several phone calls to them they ended up issuing me another card but failed to cancel that card until I called a second time on the XXXX. and on top of that theres about {$1200.00} in charges that I can see and theyre charging me over {$3200.00} and not showing me half the charges that theyre charging me for.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following accounts appear on my credit while I was living abroad in XXXX, I have reason to believe my identity was stolen 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