davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC. (CO)

I have previous sent a complaint regarding ECMCXXXX XXXX and now including XXXX XXXX XXXX XXXX contact at XXXX. I filed originally with CFPB last fall because XXXX XXXX XXXX illegally sent my loans to collections while I was XXXX stating " They had sent me notice that my economic hardship had been denied. '' I asked to which address they sent that information ( Knowing very well I was homeless and had no address ) they said they could n't give me this information. So ECMC is still continuing to contact me. I had told them to stop contacting me previously while i was contesting the loan being sent to collections. They have not stopped calling they call daily. XXXX XXXX XXXX called me at my work on behalf of XXXX. I HAVE NEVER OFFERED OR GIVEN THIS NUMER TO ANYONE NOR HAVE I EVER GRANTED PERMISSION TO CONTACT ME AT THIS NUMBER!!! I can not believe this is happening! I have {$55000.00} in student loans in good standing and XXXX XXXX and their blood hounds are harassing me for {$2000.00}. I should have been included in the class action law suite against XXXX XXXX and XXXX that happened at the beginning of the year. Reading the description of what happened in the suite I qualify to have my loans removed.
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 — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately Chase is the primary company that refuses to remove the acct that was opened by someone on XXXX $ XXXX no XXXX XXXX XXXX XXXX XXXX acct no XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY
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 — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

Hello, i am writing with respect to the recent Equifax hack. I am a victim of this hack but I do n't feel like I am receiving the help I need. Equifax has offered my only one year of credit monitoring but I need lifetime free real-time monitoring of my credit reports. 

This hacked data is never going to be removed from the internet so why should Equifax be able to get away with offering only one year of free credit monitoring. This awful situation is due to their negligence and they should at a minimum be required to offer me free lifetime real time monitoring of my credit reports. 

I hope there is something that can be done to compel Equifax to step up their game and get serious about helping the people they 've hurt with their negligence. 

Thank you, XXXX
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

On XXXX XXXX, XXXX and XXXX estimated between XXXX XXXX and XXXX XXXX ( approximately 3 times ) i spoke with Credit Collection SERvices and XXXX  regarding 2 reported debts on my credit reports that do not belong to me. I was told by CCS that they closed and removed the collection accounts from my report on XXXX XXXX, XXXX and was given back to XXXX to handle. After getting my reports again I noticed the accounts are still on my reports under CCS and XXXX is still pursuing the debts that do not belong to me. These debts were opened in my name without verifying if the information was mine or not. I asked for both CCS and XXXX to send in documentation to include my signature, and photo drivers license, social or anything else to validate those debts and I was not provided with such from either company. That is a violation of FCRA section 609. There are 2 accounts in my name that are not mine due to incarceration during those dates in question and both companies were provided with that infomratin and they still refuse to removed them from my reports or follow FCRA section 609 guidelines.
Consumer complaint received 2018-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (WA)

We have an active short sale under review and offer and supporting documents were uploaded on XX/XX/XXXX. Despite several messages and calls the file has yet to be updated and the foreclosure date set for XX/XX/2018 no longer has a suspended status. Our offer is for {$770000.00} which is double the opening bid amount and higher than the current BPO.
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 — Account status incorrect
Company: EQUIFAX, INC. (UT)

I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by 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. (WA)

As an American who has used credit in the past, I was more than likely 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, and through a central service that applies the freeze throughout the ecosystem rather than requiring consumers to waste time contacting each individual agency. 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 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In response to the XXXX security breach, I attempted to place a freeze on my credit report with XXXX and TransUnion and got messages from both that it would cost me {$10.00} to do so because I live in Virginia. This is XXXX. XXXX did n't charged me to place a freeze on my credit. Furthermore, this whole mess is XXXX XXXX fault. XXXX is the one that allowed this breach to occur and it should pay for all consumers to protect themselves and any losses they incur as a result. I should not have to pay XXXX XXXX or TransUnion 's {$10.00} charge and I wo n't. So, if my credit is stolen as a result of my inability to place a freeze on my credit I will be suing both XXXX and TransUnion along with 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: Experian Information Solutions Inc. (OR)

Today is X/XX/17 and I have tried for the past three days to freeze my credit with all three credit reporting agencies. With all three I get a screen that says try again another time. I tried calling and got essentially the same answer.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have been attempting for several years for my mortgage servicing company ( SPServicing ) to remove the private mortgage insurance from my loan. Several years ago they were provided an appraisal from a licensed appraiser that also showed the loan to current value below 80 %. I have also made sufficient extra payments to have the loan at 65 % of the original loan value and they still refuse to remove the PMI. Multiple attempts to correct this have been made in writing, to which SPServicing only responds with a form letter advising they are following company policy.
Consumer complaint received 2017-09-13
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)

I 've discovered I was affected by the Equifax data breach that was reported last week. 

I could n't tell you exactly what was leaked because they have n't deigned to own up to any of their egregious mishandling of my personal information. 
No call. No letter. 
I had to check a buggy website of theirs that froze constantly and simply told me I was affected, not much else aside from the option to sign up for a service. 

I tried to obtain a copy of my credit report from the annualcreditreport.gov website but it only showed me one companies report and then reported an error. I was able to submit a comment about that and heard nothing back. That 's all I can do it feels like, leave meaningless comments. 

I had no choice when it came to Equifax collecting my information. Why are we consumers at the mercy of a huge unseeing uncaring conglomerate when it comes to the handling of our information? 

The fact that this breach occurred in the beginning of XXXX and Equifax delayed informing the public a whole month so the senior executives could sell off shares in the company is just despicable. Legal consequences and reform are sorely needed here. 

I feel utterly powerless in this situation. 

How can I protect myself for identity theft at this point?
Consumer complaint received 2017-09-14
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: BARCLAYS BANK DELAWARE (GA)

I could not believe what I saw when I pulled my credit report. There were these late payments below. 

XXXX Date Late XXXX XXXX, XXXX Date Late XXXX XXXX I have no idea how this could have possibly happened, I believe that I made all the payments on time and I have a XXXX balance on the accounts.
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. (CA)

I was impacted by the Equifax security breach and want to place a freeze on my credit. The fact that I need to PAY money to freeze my credit to fix this giant error by a company that clearly does n't care about it 's customers is just terrible. The American people should get free credit freezes/unfreezes in general.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2018-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CA)

Receivables Performance Management LLC ( RPM ), a national debt collector, is attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to collections. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. I have elected not to have my devices replaced after the claims were accepted by the insurance company and, as such, XXXX had billed me for and placed charges on my account for the replacement devices which has now been forwarded to collections with RPM. While I understand the norm is to replace the devices and then bill the account for the newly replaced devices that is not the case in this instance. Therefore, no money is due by me for the devices that the insurance company paid out on, all of which were in use at the time of loss. XXXX XXXX has sold the debt associated with my account to RPM for an undisclosed amount and the debt collector is now trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. In resolution of the double dipping attempt by RPM I would like full forgiveness of the debt by both RPM and XXXX XXXX along with updated credit reporting data provided to all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices including, but not limited to the California Public Utilities Commission ( CPUC ).
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. (MA)

Due to the Equifax security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with Equifax, XXXX, and XXXX. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the year 2022 I went with good intentions to buy a car at XXXX XXXX in XXXX. I have been affected in my finances and my credit with the inability to obtain a home for my family since this problem has destroyed my life and my credit. The dealer did deceptive, unfair and deceitful acts when selling me this car with compressor problems. I am a family man and I live in XXXX where the heat is strong. This account is fraudulent. 
The account on my credit is XXXX XXXX  XXXXBalance : {$15000.00} Account XXXX XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I arrived at this dealer and found out about the bad practices they are doing. First, they didn't tell me that the car had XXXX accidents, I had many mechanical problems and I gave it up voluntarily. They sold me an overpriced vehicle. Now they are charging me a sum of {$16000.00}. This account is XXXX financing, account number XXXX. This problem is destroying my credit and my finances, as well as my family. I have been a victim of fraud and deceptive practices, lying and theft.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2017-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

I refinance my mortgage and received a letter dated XX/XX/XXXX that my mortgage was sold to Loan Care effective XX/XX/XXXX. On XX/XX/XXXX I logged on to their website, made my first payment and signed up for e-statements. On XXXX I realized my payment had not come out of my account, so I went back on to the website to find that I have a XXXX principal balance. On XXXX I called Loan Care and spoke with XXXX ( XXXX ) who told me my loan was sold to XXXX XXXX now known as XXXX XXXX as of XX/XX/XXXX and she told me my payment would be forwarded to them. She claimed that a letter was sent to me on XX/XX/XXXX, but I never received this letter. 
I called XXXX XXXX and they have no record of me yet, and I never received a letter from them. XXXX, from XXXX XXXX then called Loan Care back to try to get the new loan number and they do not have that information. The new person we spoke with at Loan Care told me my payment would not be forwarded to XXXX XXXX. 
My loan 's first payment due date is XX/XX/XXXX. I am currently 13 days past due, and I have no way to make my mortgage payment. I understand there is a 60 day grace period when your mortgage is transferred however, not being able to make my payment is unacceptable, and I do not want my payment history to reflect a payment posted after the due date. 
XXXX XXXX states that it can take 7 days to load new transfers information to their system. It has now been 9 business days from the day of transfer and they still do not have my information.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

After the massive Equifax data breach was announced in XXXX 2017, my family checked to see if our identities were compromised. My wife, my XXXX old daughter, and I were designated as " potentially compromised. '' My wife and I could sign up for their identity theft monitoring, but their online system would not allow a minor to sign up. When I called their special Security Breach 2017 hotline, the representative just kept repeating that Equifax " generally does n't '' have  information on minors. She could not explain why my daughter 's SSN would be in their system. She said that I would need to call Equifax directly, but she did not even have the number to call. 

Trying to contact Equifax directly has been futile. They have deliberately obfuscated any direct way of contacting them. So far, I can not even determine a simple question -- does the SSN associated with my baby have any credit history or other association with Equifax? According to one rep, the answer should be " no, '' but she can not confirm it. 

So far, the only way I think I may get any answers is sending copies of important, sensitive documents ( my and my daughter 's SS cards, birth certificates, etc ) directly to Equifax. Since they could not protect the data of 143 million people, I really do n't want to add my daughter 's information to their company if it does not already exist. 

These credit reporting companies take our personal information and sell it as a commodity. They will give MY information to some random credit card company who wants to send me an offer, but I have to jump through hoops just to find out if my daughter 's identity is even actually compromised. They are 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I attempted to place a security freeze on my credit report with TransUnion on X/XX/17 at XXXX PST. The link to the Security Freeze option results in a webpage saying the service is temporarily unavailable. However, there is no problem accessing the webpage where TransUnion is trying to sell me their TrueIdentity product to " lock '' my credit report.
TransUnion appears to be taking unfair advantage of the XXXX hacking incident, and customer 's interest in freezing their credit reports, in order to FORCE us to buy their TrueIdentity product by making the legally required availability of a Security Freeze inaccessible. The increase in demand for Security Freezes can not be the reason for the unavailability of this service if the parallel, but more expensive, TrueIdentity product is still available.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

on XXXX XXXX XXXX in XXXX sent a check and payoff letter to Citi bank. The payoff letter contained my Name, address, and account number. On XXXX Citi bank deposited the check but never applied it to my credit card. A month goes by and I got a late fee, so I go to XXXX XXXX and we do a XXXX way call and XXXX had XXXX XXXX send in a research request. A month later they said that we needed to ask for another request, which we faxed in, they also claimed that there was no letter with the check. Per XXXX XXXX policy they have to send a letter, and they gave me a copy of the letter that was sent. Then XXXX weeks ago we did another XXXX way call and they said they were in process of taking care of. Now in XXXX it has been submitted to collections. The bank could not reissue the check since XXXX deposited and already received the funds. As of right now XXXX has stole my money.