davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (LA)

Consumer attempted to find a temporary living situation in XXXX, Georgia so that she could work a month-long film job. A suitable option was found at XXXX. Consumer got in contact with the renter, renter provided a rental application, then a contract, and requested payment via wire transfer or mail. After rental application was submitted and approved, payment was made via a bank to bank transfer ( wire ). After payment was made, renter stopped responding to phone calls, texts, and emails. 

Fake real estate company : XXXX XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX ( fax ) / XXXXXXXXXXXX / XXXX XXXX  XXXX XXXX, XXXX, NE XXXX Contacts : XXXX XXXX XXXX and XXXX XXXX XXXX Recipient Bank Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Notes : -Chase bank is unable to retrieve the funds in question, but has opened a claim. They say the funds are no longer available in the recipient account.
Consumer complaint received 2017-09-14
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: Experian Information Solutions Inc. (MD)

On X/XX/2017 I accessed Experian to obtain a free credit report in light of the XXXX data breach as my data was included in the hack. After providing the requested personal information and follwing the instructions to create an ID/password, I revieved my report and logged off. 

I then received an email welcoming me to the XXXX XXXX account. Nowhere was I presented with any information stating that I was signing up for a paying membership account. I have attempted to cancel the membership, but the language is so complicated that I have no idea what I canceled. All I know is that I can no longer pull current credit reports! 

This is a problem with all 3 credit monitoring services and should be stopped!
Consumer complaint received 2017-09-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (MI)

I placed the loan on XXXX/XXXX/XXXX for {$400.00}. I called them last Friday XXXX/XXXX/XXXX to ask for an extension for my loan. On XXXX/XXXX/XXXX, I spoke with someone from the Collections Dept. to able to repay my loan in 3 installments, I did this with online chat. The rep told me that in XXXX I could start repaying my loans which totaled, {$460.00}. Today, I went onto the website and it stated that I would have to repay the entire amount of {$440.00} on Monday, XXXX/XXXX/XXXX. I called Cashnetusa on the phone and the rep told me that the company would attempt to take out the entire amount and then my loan repayment could proceed on XXXX. I told them that I would not be able to start repayment on XXXX. I 've performed this several times, without incident. My account will be arrears because of this transaction even though I 've made 2 attempts to rectify.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

Dear Sir or Madame Equifax has repeatedly reported my name incorrectly, with many different variations, which has affected other organizations being unable to access my credit report. 
Attached are several older Equifax reports which show these incorrect variations. 
Equifax Report XXXX XXXX XXXX XXXX XXXX. 
Equifax Report XXXX XXXX XXXX XXXX On XX/XX/XXXX I faxed Equifax identification such as driver licensure, social security and utility bill. 
About 3 month ago, I mailed in identification, which an Equifax agent stated they did not receive. it. 
Therefore, XX/XX/XXXX using certified mail, I resent Equifax my identification of driver licensure, social security card and utility bill. 

Enclosed ; A ) Dispute Letter Sent to Equifax B ) Old Equifax credit Reports XXXX and XXXX C ) Supporting ID documents sent to Equifax
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (IL)

After months of back and forth and no verification provided all medical from merchants credit had been deleted I even provided a letter from them saying it would send notice to delete to credit bureau .... in XXXX XXXX said accounts were deleted NOW THEY HAVE REAPPEARED WITH NO NOTICE ... written notice nor verification ... this is against the FAIR CREDIT REPORTING ACT which clearly states you can not do that without notification nor can you reinsert previously deleted items
Consumer complaint received 2018-08-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MCLEAN MORTGAGE CORPORATION (DC)

We closed on our place recently. The closing documents we received from the title company contain blank forms with only a signature, missing notarization, and lastly with regard to the termite inspection is inaccurately completed. E.g. the name of the pest control company on the form is completed with the mortgage companies name. We've asked the lender multiple time for an explanation and none has been provided. The lender claims " the loan is closed '' and there's nothing to do. We've asked the lender to resolve these errors and they are refusing. They've asked us " what's your motivation? '' " what answer are you looking for '' via a phone call last Friday. I response that I would like them to respond one of two ways : 1 ) There was a clerical error and we will correct it. 2 ) There is no error. The latter of which, seems suspicious since other council to us has advised that these forms are required for a VA loan and certify appropriate housing conditions & new home warranty. If the lender will not provide the completed documentation, this seems fraudulent - we would like this resolved by having the errors corrected and new completed documentation sent to us. We are also asking for the completed closing package that the bank has for us to make sure those documents match what we returned to the title company.
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CT)

My escrow bills ( tax and insurance ) in 2018 will be going up by XXXX total for the year. However, my loan just transferred servicing and somehow they say I need to pay XXXX per month more. 

Also, it is suspicious my loan just transferred last XXXX and they said the escrow balance was only {$4.00}. 

I think XXXX, the prior servicing company, maybe did n't pass the escrow fund to the new servicer Amerinat. 

Amerinat claims they sent me a letter showing me the calculations however I never got it.
Consumer complaint received 2018-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I moved and could not receive XXXX-internet service in my new address. I continued with the XXXX XXXX service and discontinued my services with the Internet. However, XXXX-internet services were not canceled and they continued charging it on my XXXX account. I was not aware of these charges until I was reviewing my account. They charged me for approximately 8 months at {$60.00} a month and on top of that also charged my interest and late fees. I have spoken to their representative who continues to tell me that XXXX reimburse me ( false ) and that I had to pay them {$470.00}. This is extremely unfair and unjust, I do not owe them anything and in fact, they awe me for charging me fee for no service. As they continue to state that I owe them money, I was and am still up to date on my XXXX XXXX  bill, ( of which was combined with internet service ). 

In short, I am owed {$480.00} plus all the late fees and misc charges to my account. The representative admitted they owed me money, but that is when they hang up on me. I have called several times and have put on hold and transferred around. This is frustrating, I am attaching my last statement from XXXX XXXX XXXX for account number XXXX
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Hello, I want to freeze my credit with Equifax. I tried to do this over the phone, as I understand that this is the safest route. I received a message saying they ca n't process my request at this time. When I tried to freeze my credit online, I received a similar message. I do not want to send personal information through the mail to the Equifax address for credit freezes, which is this : Equifax Security Freeze XXXX  XXXX XXXX XXXX, Georgia XXXX That just seems like an open invitation to identity thieves
Consumer complaint received 2017-09-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (CA)

I write as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased a {$94000.00} CD from Key Bank XXXX XXXX XXXX, XXXX. The CD matures tomorrow, XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Key Bank mailed notice of approaching maturity with instructions for contacting Key Bank with instructions on whether to reinvest or redeem. I called Key Bank and received an XXXX XXXX email that said Key Bank would need three notarized documents for XXXX XXXX XXXX XXXX to get back its invested funds. At considerable inconvenience, I submitted the three notarized documents along with a cover letter requesting that Key Bank send the proceeds to XXXX. My cover letter requested that Key Bank call me if it had any questions. I called on XXXX XXXX to confirm that Key Bank had received my instructions. The person I spoke to, XXXX, said the documents had been received and were in legal for review. He suggested I call back today, XXXX XXXX. I called back today and was told that Key rejected my submission as inadequate because the cover letter was not notarized. 
I protest : 1 ) Key Bank creating costly notarizing rules before it will redeem the CD funds ; 2 ) Key Bank not promptly contacting me about any deficiency in the submitted documents 3 ) Key Bank demanding notarizing of the cover letter not requested by its XXXX XXXX emial. I submitted the three notarized documents Key Bank 's XXXX XXXX email requested and still ca n't get back XXXX 's funds on the maturity date tomorrow.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KS)

I, as far as I can tell, was a part of the Equifax credit information hack. Now, due to mishandling of my information by the credit reporting agencies, I must pay the credit reporting agencies to freeze my credit. This has many issues : First, due to current demand it is difficult/impossible to get through to be able to do this. Second, it is unconscionable that some of these companies are taking advantage of the situation and attempting to trick users into signing up for paid credit protection services when the user attempts to freeze their credit. Finally, it is ridiculous that I must pay these companies to protect my information that I never consented to them collecting in the first place. Paying Equifax to freeze my credit is simply rewarding them for their careless handling of my information. Protections such as credit freeze should be federally free to perform, otherwise it seems to amount to racketeering ( " That 's sure a nice identity you got there ... sure would be a shame if something happened to it. '' )
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (VA)

My XXXX year old son has a sub-account under my Bluebird account. Because he is old enough, he tried several times to create his own master account under the Terms of American Express. 

XXXX2017- applied on line for American Express Bluebird pre-paid card and got message " unable to create account. '' XXXX2017- contacted Amex Bluebird by phone. Spoke with customer service who put us in touch with tech support. Tech support suggested that we try different phone and email address. We still were unable to create the account. 

X/XX/2017- later on- contacted Amex BB customer service. They were unable to give more tech support, but I held for quite a while for a supervisor. Supervisor, said that although I meet the qualifications, Amex would not issue a card. She gave no explanation, even though I asked.
Consumer complaint received 2017-09-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XXXX XXXX, 2017, I made two purchases to XXXX for services in XXXX, XXXX. One was for {$81.00} and the other for {$94.00}. One was a day trip to XXXX, XXXX, XXXX XXXX XXXX with lunch, the other for Airport shuttle to and from XXXX XXXX at {$44.00} a transfer and before XXXX percent off XXXX, online discount. XXXX XXXX, 2017 came around and driver and tour guide at XXXX saw me using a cane and said they did not feel I could walk the 800 steps at the XXXX XXXX. I watched the youtube video a couple months prior to learn there were 400 challenging steps and a lift. The driver said there are now 800. Driver made tour unavailable. and would not do a refund for the XXXX XXXX. I asked XXXX twice to dispute with XXXX in XXXX who claimed that I " resignated '' and they will not do refund. I shared this with Bank of America on XXXX/XXXX/2017 who said no one has to give refunds unless I did not do a portion of the tour, that it was their word against mine in XXXX, and that the topic is not up for discussion any further, that Bank of America will document that the Company said " no refund. '' The rep from bank of America was curt and rude. I waited two hours for a call back and she was nameless and treated me like I am a pain in the XXXX and stupid. I told her I will file a claim with my travel insurance. She said good and bye bye. I 'm tired of getting no where with Bank of America. I 'm thinking about leaving their Bank again because the reps get younger, move too fast, and claim there is not much they can do just to go with a credit union. I was treated horribly. Not only am I placed on hold for complaining and XXXX there reps off at the Bank. But, I 'm not getting any refunds. Being told the case is closed. They keep sending me rejection letters as if I would try again to reopen any case. Also, the Bank is forcing me to pay extra for travel insurance. They do n't work to protect my money and are not on my side. They get testy and rude.
Consumer complaint received 2017-09-14
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. (ID)

Equifax Inc. has publicly stated that its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Some XXXX and XXXX residents were also affected. Checking with Equifax directly, all of my personal information is likely to be compromised, including : Name Social Security number Birth date Addresses Driver 's License number Credit card information Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX  through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 other consumers. 

So far I have set up a 90-day fraud alert with credit bureaus to notify me in the event and fradulent applications are made based on my compromised information. Ultimately, without major credit reform, I will be at a higher risk of identity fraud for the rest of my life. 

Equifax did not utilize appropriate security measures to keep my personal information and identity safe. Furthermore, they were aware of the security vulnerability prior to the date of the actual cyberattacks. It was a gross negligence of personal information management and must be addressed.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

If we the people are essentially forced into trusting credit reporting agencies with critical personal data, at the very least we should be allowed free freezes and thaws on our credit when their colossal XXXX ups threaten the financial security of millions of Americans. Not even going into the issue of how social security numbers are misused in this country and how fragile that entire system is. There 's no reason Equifax should be allowed to profit off credit freezes and identity protection after they leaked the personal data.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete all other unkwown addressses they are not correct. I have a inaccurate Social Securty number on my credit report SS : XXXX, please delete it at once. My name is NOT XXXX XXXX please remove the extra name from my credit report. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Following addresses need to be deleted : 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 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting 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. (WI)

Today, XX/XX/XXXX, I was the victim of a robbery where I was stripped of all my documents and banking information. Because of this, I decided to review my credit report and I noticed some inquiries that were made without my consent. I appreciate your help in removing this from my records. 

The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

During the year XXXX, I recently learned that my personal information was used to open an account with companies. I did not authorize those accounts and requested it be closed immediately. Such as Negative Accounts Activities and inquiries. 

Also it's a major violation under 15 U.S.C. sec 1681a ( 2 ), 15 U.S.C. sec 1681b, 15 U.S.C sec 6802, 18 U.S.C sec 1028A, Executive Order 13844.

DEBT VALIDATION CLAIM 15 U.S.C. 1692G