davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (MA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

When I was in college a co-signed for a private student lo an ( AE S ) for  XXXX   XXXX  who is now  XXXX   XXXX . About 5 years ago I was told that I could be removed as a co-signer due to the primary account holder making timely payments. Apparently they did not remove me a co-signer and she 's is behind on her payments and now they are reporting me as delinquent as well which has negatively affected my  credit score by  dropping it more than  XXXX  points within the last two months.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As a XXXX veteran, I applied for a VA refinance loan for my primary residence from XXXX XXXX XXXX XXXX in XXXX, SC XX/XX/2016. With all pertinent information in hand, I delivered my application to the loan officer who promptly checked my credit score with TransUnion and other credit reporting agencies and informed me that my TransUnion score stood at XXXX, far below their lowest requirement of XXXX and therefore was denied a VA loan from their establishment. That surprised me because I had subscribed to popular credit score company XXXX XXXX which reported my score was above XXXX. The loan counselor advised me that website credit scores and official credit scores use different formulations and the scores may not match. Although disappointed, I did not dispute the denial. However, I then joined the TransUnion credit score website for a fee, which also listed my credit score by TransUnion above XXXX. Confused, I continued to work on my credit hoping to get a better official credit score in the future. On XX/XX/2016 I applied for a home improvement loan from XXXX of {$2400.00} but was denied credit in part because of a credit score of XXXX. I promptly called TransUnion and asked for my credit report at cost, including credit score which I recently received in the mail. The credit score included in the report dated XX/XX/2016 is XXXX grade c and not the XXXX score quoted to XXXX, my prospective creditor. I now feel like I have been discriminated against for some unknown reason. I have complained to a loan officer at XXXX XXXX via telephone to no avail. I have notified XXXX via U. S. Mail of my intentions to dispute their decision. I have not officially notified TransUnion yet, but intend to do so. I would like for TransUnion to explain to me why they listed my credit score with prospective creditors at such low level but continued to tell me via their website and credit karma 's website that my score was much higher. The result being credit denial and major personal embarrasment. I would like an official apology from TransUnion explaining their error, if any, and I would like for them to correct the score given to XXXX XXXX XXXX XXXX and XXXX.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I applied for a loan with Bank of America XXXX to refinance my home. The XXXX application was denied on the phone because my credit score was not high enough. I asked for a letter stating that I was denied and never received it. As 3 weeks went I was finally able to get a name of a supervisor via online chat. I called him and I was told the loan never went to underwriting, therefore they were unable to generate a letter. I was told the I had to do XXXX application so I applied for a loan again on XXXX/XXXX/2016 with Bank of America and the same thing happened again. Two months later and I have not made any progress towards receiving a letter saying, '' Our bank can not help you ''. My house is going into FORECLOSURE because I ca n't get an official letter from the bank saying the loan was denied. Why am I being treated unfairly? Is this how Bank of America is allowed to operate? Is there a different set of rules that they can choose to use since they are such a huge company. I understand that being denied the loan would not make the bank any money, but can I simply get a denial letter so that I can move on and get an extension on my 2nd mortgage that has matured. PLEASE, CAN SOMEONE HELP ME SAVE MY PROPERTY!
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After paying XXXX they sent me a bill saying that I still owed them money and late fees. I called them to settle the issue. Spoke to a representive and supervisor on XX/XX/2017 on XXXX seperate accounts, XXXX and XXXX.Bottom line we cleared all accounts.They agreed to dismiss the XXXX.dollar late fee for XXXX which paid that out..XXXX had a late fee of XXXX dollars on it, be reminded that these bills were paid in full. They were sending me a bill for late fees. To clear out all accounts as well as future accounts I agreed to pay the XXXX dollars late which I did at the time and close out all accounts. They agreed and we proceeded. On XX/XX/2017 I received a letter from them stating that I had until XX/XX/2017 to send them XXXX dollars.After calling them again and reminding them that they made this arrangement, they said yes but after further investigating they could not do it. To me you made the arrangement, we settled it and I'am done. XXXX, instead of excepting their responsibility puts a negative report on my credit report never mind the fact that I have been dealing with them for years with serveral differant accounts with never a problem but this was of their doing. I WONT IT OFF!!!
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (IL)

For over 30 years I have had a credit card account with Chase. A few months ago I decided to add an authorized user on my account because I had n't used the account in quite a while. Well from the moment my authorized user began using the account it was one headache after another! Now I appreciate and understand Cjase wanting to make sure that no funny business is going on with the account but what they did and are doing should be illegal. I informed Chase in writing that the account would be used by my authorized user and at which stores, dates and approximate amounts spent. Well they kept freezing the card and I would have to call them or wait for them to call me to verify activity on the account. This happened at least 5 times in 3 weeks. In XX/XX/XXXX I put in for a balance transfer offer that Chase was doing at the time for a couple of credit cards that I had some small balances on. Bear in mind these were my own accounts in my name only. Well Chase decided to shut down my account, remove my authorized user and not communicate with me as to why it was being done. My credit limit was {$26000.00} and there were approximately {$14000.00} worth of charges to the account including the balance transfers. For 2 weeks every time I tried to call to get information about what was going on I kept being told that I would have to wait for someone in another department to call me. The call never came. Then I find out through my authorized user that Chase closed the original account and set up a new account with a XXXX balance. I never received a new card, a letter or anything explaining what was going on. So when I call then XX/XX/XXXX they tell me that I need to go into a branch with a valid photo ID before any information can be shared with me. Despite the fact that I have a credit alert on my credit report which gives my number to call to verify Chase never did that. If I had been asked to go into a branch back in XX/XX/XXXX when this all began I absolutely would not have had a problem doing so. However, it was a month or so later after they had taken all of these actions without so much as a phone call or letter of explanation. And if I had not been made aware of the new account and called myself I never would have been notified that they wanted me to come into a branch. And to top it off last week after showing that the balance is XXXX and refusing to give me access to my account online, they withdrew a payment from my authorized user bank account for payment! My authorized user bank account info was on the account because they had agreed to have payments come directly out of their account since they were using the account. It was really all about rebuilding their credit. So I want Chase to either give me access to my account and send me new cards or to stop reporting this to the credit bureaus. They took over my accounts as completely as any identity thief ever could!
Consumer complaint received 2016-07-12
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

On XXXX XXXX I contacted Moneygram to see if it was OK for me to send money again, as they had cancelled a trasfer a few months ago. I was told it was now OK. I sent {$1000.00} to the XXXX on XXXX XXXX. When she went to receive it, she was told I had to contact the company. I contacted Moneygram and they said they declined to send, and I should return to get a refund. 

On XXXX I went back to Walmart and was told it was over their limit and did n't know where I had to get the money. 
I called Moneygram and tkey told me I had to go to the XXXX Currency Exchange to get the money on the other side of town. 
On XXXX XXXX I went to Currency exchange and was told that the computer said that I had to go some place else to get a refund. 
On XXXX XXXX from the currency exchange I contacted moneygram and was told I need another reference number, which their agent XXXX provided, and told me to go back to walmart to get the monmey. 
On XXXX XXXX I returned to Walmart and gave them the new number. They said the computer would not allow them to refund my money. 
Walmart called moneygram with me present and I spoke to XXXX. He said that I had to go back to the XXXX Currency exchange to get the money with the new number. I asked if he knew XXXX who told me to go to Walmart, and he said No. 
I asked him how do I get reimbursed for my time and mileage. He is in XXXX or someplace and had no idea what I was talking about, and responded I needed to show my driver 's license. 
Finaally, I returned to the XXXX currency exchange on the other side of town and was refunded my money. This all took many hours and wear and gasoline and wear and tear on my car, all because they are incompetent.
Consumer complaint received 2017-09-08
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. (TN)

My information seems to have been potentialy impacted by the recent equifax data breach. I heard of the breach, entered my information, and recived a message saying as much. My spouse was the same. In finding this out, i was required to literally fill out more paperwork on a mobile phone, in order to enroll in a service that by enrolling in it prevents me from seeking legal action from any harm that may or may not happen. If it does, my finances are down the drain. It feels like we are being bent over a barrel for something that is NOT OUR FAULT!!!! I will not be extortioned by a company that has our information, AND CLEARLY HAS NOT HAD ENOUGH SECURITY IN THEIR SYSTEMS!!!!
Consumer complaint received 2017-09-08
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. (WA)

I have been notified that I may be affected by the Equifax data security breach. As a consumer I believe that the security in place for such an important credit agency should have been able to withstand or prevent the attacks that occurred. As a result, my personal information may be in the hands of unwanted persons.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made all my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
Consumer complaint received 2017-01-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX XXXX, I submitted my deposit from XXXX, a non-profit where my position is publically grant funded, for around {$2200.00} ( I ca n't access my paystub from my computer ) to Bank of America. That day, I was able to spend around {$80.00} but did not try to use until XXXX XXXX ( to buy XXXX presents and groceries ). When I tried to pay for groceries, my card was denied. When I looked on my phone for my funds, making sure I did n't overdraft, it had my account locked and I called Bank of America. They said I would be able to access my funds from a week from my deposit. The next Tuesday, I went to Bank of America in person to close my account and receive my funds, but my account was closed and I was n't notified. When I asked why my account was closed and where my funds were ( roughly {$2100.00} ), they called the Risk Dept. which told me they flagged my account because my check had been thought to being tampered with ( my check is again from a XXXX ). They said on XXXX XXXX, they would either send me a cashier 's check for what is in my account or discuss the fraud. Today, XXXX XXXX, I called and asked where the check has been ( since it has been two weeks and it should n't take that long to put a check in the mail ). I talked to three different people, totaling around an hour, and ended up being sent to the " escalation dept '' - however, I 'm a social worker and made it to stay calm during the whole process. I was told from one person that in order to gain my funds, I needed to send a letter from my organization telling Bank of America the check was legitimate ; I was then directed to another department and told they were going to email the people who hold funds, could n't talk to them, and in 1-2 days I needed to call them and see what actions I needed to take in order to gain the funds " I believe are not fraudulent '' ( again, I work for a non-profit organization and have no past of criminal or fraud records ). I asked during this time, why was n't I notified, why I was told they would send a check XXXX ago but not notified of any actions, why I have to initiate all of these actions to funds they are holding even if they are legitimate funds.
Consumer complaint received 2017-09-08
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. (CA)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The XXXX XXXX account on my credit report shows inconsistencies. I 've made several attempts to address this matter and have been unsuccessful. Though I do have a late payment, TransUnion is reporting other late payments.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (DE)

I attended XXXX XXXX XXXX this college cost me several thousands of dollars. I did not receive the help or internships as promised. I would contact the college on several occasions and each time I had a new student advisor. I was always told the previous person had found another job. I was unable to find any jobs in my area for the degree I obtained. At this point the degree has become useless. I 'm stuck with a hefty bill I will never be after to repay and I think the Loans should be discharged. The college lost there accredation and has since then been reported as closed and was under investigation for several things.
Consumer complaint received 2017-09-08
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. (VA)

" Based on the information provided, we believe that your personal information may have been impacted by this incident. '' May? 

So Equifax did n't protect my data, sold their stock before releasing the bad news about the hack, and are trying to XXXX me out of my rights to a lawsuit with their arbitration clause.
Consumer complaint received 2016-05-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

On XXXX/XXXX/16, XXXX XXXX XXXX received a call from and was informed that the loan was eligible for the XXXX Lien Modification Program, Extinguishment. XXXX XXXX, from Wells Fargo, advised that a package was being sent to me with the information and document needed to fill out. For two times, XXXX XXXX XXXX spoke with XXXX XXXX where he would ask for the document, but the package had been sent to the wrong address, twice. On XXXX/XXXX/16, XXXX XXXX XXXX told XXXX XXXX that if only the XXXX was needed, it could be printed out and sent. The XXXX XXXX advised that on XXXX/XXXX/16, I was going to the office to sign the document. XXXX XXXX, from XXXX XXXX XXXX, specifically said to XXXX XXXX that the form was going to be sent out on XXXX/XXXX/16. So, on XXXX/XXXX/16 the form was sent and received by Wells Fargo as promised. 
Around the end of last week I received a letter from Wells Fargo dated XXXX/XXXX/16, saying that I do not qualify for the program because I was non-responsive. 
First of all, this is the first time that they have my address right ... only to say I do not qualify anymore ... how convenient! 
Second, how was I non-responsive? They sent the package to the wrong address twice and we sent the form the exact date we promised to send it. 
XXXX XXXX, from XXXX XXXX XXXX, called to find out what is going on with the account. She was told that : 1 ) the XXXX was incomplete -- I will let you judge if there is any missing information on the form. There is only XXXX borrower on this account and everything is filled out. 
2 ) that calls were made out to XXXX, and that someone spoke with her several times and she knew about the incomplete form. That is all a lie. After she submitted the form on XXXX/XXXX/16, she did not speak with anyone else. We are the most interested in solving this issue. But of course, it is not in the best interest of the servicer. 
3 ) the representantive on the phone ( XXXX from the Recovery Department ) stated that right now the full amount is due on this account. However, she still tried to get information regarding payments, asking if the borrower was able to make some payments of at least {$50.00} ... knowing that this amount was not going to cover the whole amount and it will just put at least some money into the servicer 's pocket. That is just wrong! She even said if the borrower could make a payment for them to try to solve the issue regarding the letter I received, as if I needed to make a payment for them to do their job. They are trying to collect money from a borrower that qualifies to get this loan forgiven. 
This is all a scheme to continue to perform fraud against us the homeowners. I am turning to you for help. 
Thank you.