davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

now with the security bleach of XXXX i have no trust in the the major bureau they have violated my right for year giving me higher rates putting loans that are not mine it 's time to make the giants pay for what they have done to me and my family. they have violated every consumer right act ..
Consumer complaint received 2017-09-12
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. (CA)

XXXX XXXX ACCOUNT XXXX AND XXXX XXXX ACCOUNT XXXX are improperly reporting on equifax XXXX and XXXX credit bureaus.XXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX XXXX ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by XXXX and XXXX.these debts should not be on any credit file as they are insured and the result of error.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

this is in refferiance to my american express debit card ... .. I 'm inquiring if you could help me gain  account information i purchased the card with my debit card but i have a different account now.. from there i purchased a few totals over or possibly 12 thousand ... from there i would like to with in reguards to my social security hoping thats what is locating refferianceability I 've even had a sev and ... from the m .... with that stated i would like if you could do all in your power to help i do n't have any information to offer as in any more other than my birth date as well which isXX/XX/XXXX as well from there i would like if you could refferiance the applicabilty of a prior complaint i would of sent ... aswell if unable what is the difference if i purchased with a XXXX bank debit card from a checking account in the united states of america do to thts were i from live as well would of been using the card ... if attempted purchases would matter.. i canceled an order from XXXX ... as well I 'm not sure but my latest deposit or money transfer ( all only in regards to the american express gift card reloadable card ) from transit check ... if not 1,800 dollars 2,800 dollars ... humbly I 'm in a destine situation this was my emergency money which for whatever reason if email encryption then that but i ca n't access ...
Consumer complaint received 2017-09-12
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 allowed my personal financial data ( along with approximately 143 million other consumers ) to be stolen by unknown attackers. 
This data includes name, social security number, date of birth, address, telephone number, driver 's license number, credit card numbers, bank information, etc ... 
I am now responsible for freezing my credit account, filing an identity theft report with my police department, contacting my bank, credit cards, insurance company, etc. to inform them of this incident. I 'll need to have passwords and pin numbers changed, I 'll have to get credit cards re-issued, I 'll have to constantly monitor credit reports and my bank accounts, and hope one of these thieves do n't try to file a tax return, take out a loan, loot bank accounts, charge to my credit cards. All this will need to be done for many years now, since getting a new social security number is not feasible.
Consumer complaint received 2017-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (TX)

Borrower took out a student loan with wells fargo - I am a co-signer for borrower 's student loan. Borrower is now living overseas. Problems with the borrower 's bank and wells fargo payment processing system leads to periodic payment lapses. When this occurs, wells fargo fails to contact the borrower and instead only contacts co-signer. This has been occurring since XXXX when the loan was in repayment status. For seven years I have been battling with increasingly higher levels of management at wells fargo student loan servicing ; they have always assured me that they CAN contact the borrower when this happens. Phone numbers and email contact for the borrower have been supplied numerous times to wells fargo. Yet this never happens and inevitability I receive a letter indicating this payment lapse. These notifications are always sent by XXXX mail to the cosigner and arrive while I 'm traveling, delaying receipt of it and corrective action. I have been further assured that calls would be made to me to speed up notification times, but to date this has never happened. Finally, 7 years later, wells fargo sends the cosigner a letter that they are not allowed to contact the borrower who is living internationally due to privacy regulations nor are they allowed to contact me via phone. Upon requesting a copy of those regulations, I 'm rebuffed and told that I need to identify those regulations myself - a ) why wells fargo are not able to contact a borrower living internationally when a payment lapse occurs, and b ) regulations preventing wells fargo from contacting co-signer by phone when borrower 's payment lapses.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am asking that the 30 day late negative placed on my credit report by XXXX XXXX XXXX be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website 2 more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using XXXX financial services, I am extremely disappointed to be writing this letter.
Consumer complaint received 2017-09-12
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)

Due to the recent XXXX data breach I want to freeze my credit. I was able to do this easily with XXXX and XXXX, but Experian has made it impossible to freeze my credit in a timely manner to protect myself. Ive tried their online system multiple times as well as their customer service lines and each time I face multiple crashes and a final message that they are unable to process the freeze so I should mail in a large number of sensitive documents. No option to communicate or alternative process was offered. They also charged me {$10.00} on each attempt even though they did not provide any useful service.
Consumer complaint received 2017-09-12
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. (CA)

I believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my XXXX mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from XXXX that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that XXXX has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case XXXX did not get my statement out to me on time.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (IL)

I was contacted by a Mr. XXXX on the behalf of XXXX & XXXX apartments. This was end of XXXX to late XXXX early XXXX. I stated to him that I did n't owe them anything I was never presented with a bill after I returned my keys. He then stated to me that it would go on my credit report and I would n't be able to rent another apartment. XXXX XXXX or XXXX. I received a call from my aunt who was a cosigner when I first signed my lease with XXXX & XXXX, but she did n't sign when I renewed my lease with them. She stated that this XXXX guy has been calling her about a debt I supposedly owed to this apartment company. I stated to her that she should n't have gotten any calls because her signature was only on the first year that I stayed in the apartment. I called Mr. XXXX over 6 times. When he finally answered I stated my name and went on to ask why would he contact my aunt and she had nothing to do with my business because she did n't resign the lease when I renewed with this apartment complex, so she should n't have been contacted. I stated that he has disclosed personal information and asked could I speak with his supervisor he stated no and hung up in my face. I called back repeatedly he finally answered I stated that he waa rude and unprofessional and asked could I speak with a supervisor. He transferred me to another man. I stated my name and what I was calling for he too was rude. I repeated how mr. XXXX was very rude and how he has been contacting my aunt and informing her on information that has nothing to do with her because she only signed for the first year of my lease. He stated to that he was n't aware of what transpired between mr. XXXX and I and how do I want to settle my account. Still speaking in a even tone my voice is slightly elevated but not screaming. I said to him so after all that I said to you Thats your response. He then proceeded to tell me that my aunt was contacted because she was the guarantee on the lease so she is liable. I said no that not right because she never put her signature on the new lease that I had so how can that be. I then asked to speak to his supervisor he told me repeatedly and he too hung up in my face.
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am paying on a mortgage for my personal residence located at XXXX XXXX XXXX, XXXX, CA XXXX. I purchased the home in XX/XX/XXXX and it was financed by XXXX XXXX XXXX. The initial loan was an interest only 5 % fixed 40 year loan. The loan was interest only for the first 10 years, after which it would convert to a 30 year fixed rate note at 5 % until paid off in XX/XX/XXXX. I have made all mortgage payments on time since I have owned the home. 
XXXX XXXX XXXX sold the mortgage in XX/XX/XXXX. Please refer to the attached Mortgage Servicing Timeline. The loan has been sold five times since XXXX XXXX XXXX originally owned it. 
Although I have made all of my payments on time to the servicer I believed to be the correct one, one payment has gone missing. I believe this occurred sometime between XX/XX/XXXX and XX/XX/XXXX. I am honestly not sure which of these companies has my money -- -I  want it back. The current servicer, Select Portfolio Servicing stated to me on the telephone that they would be  responsible for recovery of the missing funds and return them to me if I could help identify the culprit. I assumed at the time this would include seeing that corrections to credit bureau scores would be made. One of their representative s told me he believed the evidence indicated there was a missing payment, but he was unwilling to give a letter to that effect. 
So far none of these commitments have been kept by Select Portfolio Servicing. It appears they believe that I am one month behind in my mortgage and my credit score is a miserable XXXX. It should be somewhere close to XXXX. 
I can provide bank statements for my XXXX XXXX credit union account for relevant months if necessary. The CFPB has my permission to view any relevant documents necessary to get this corrected. The loan recently converted to a fully amortized 30 year fixed rate loan. As a result the payment has increased and I am now chipping away at the principal. 

Please help me get this corrected, I am not sleeping very well
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RELIANCE FIRST CAPITAL LLC (OH)

On XXXX/XXXX/XXXX, I applied for a home loan to refinance my current mortgage. The application was sent through a mortgage broker to Reliance First Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. When I received the application summary letter from Reliance First Capital, which included my credit report, it also contained an application summary for a completely person for a loan she applied for on XXXX/XXXX/XXXX. The documents contain this individuals complete credit report ( via XXXX mortgage ) social security number, all of her account numbers and other XXXX. While this may have been inadvertently included in my mailing, it still raises concern about the quality control and compliance processes at this company. I am now concerned that my denial letter with full XXXX is being dispersed to other consumers who have applied for loans through this company.
Consumer complaint received 2017-09-12
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: RoundPoint Mortgage Servicing LLC (CA)

I believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I enter all the relevant data and am denied by Equifax. I am told I have to mail a request. I did n't start this problem. I want my report online. And by the way, XXXX and XXXX  continue to charge for freezes. A disgrace.
Consumer complaint received 2017-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

I have tried to modify my HELOC with Chase, which is almost 8 % interest rate. I have applied over and over ( see attachments ). Chase has told me a variety of things, all which were never true. I have a phone recording of a Chase representative being very rude and leaving too much information, some of which was wrong, on my answering machine. I have also written to the home office. But it was a Chase customer service representative that told me to file a complaint with CFPB. Many of the representatives, along with myself, could not figure why Chase would not modify a HELOC loan with a less interest rate. Now Chase wants me to file legal separation from my husband in order for them to look at my file. 

I have submitted my complaint before ( XXXX ), but did not have the attachments and after reading Chase 's response, I felt that I needed to add the attachments to clarity my stance.
Consumer complaint received 2017-09-12
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. (AZ)

XXXX 2017. Equifax lost 143 million SS # 's, dates of birth and names, mine included. Force Equifax to pay for credit freezes/unfreezes at all credit reporting agencies for the next 50 years.
Consumer complaint received 2017-09-12
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. (RI)

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IL)

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and XX/XX/XXXX and are proceeding to sale set forXX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. This file was service transferred to Fay Servicing onXX/XX/XXXX which we were not made aware of untilXX/XX/XXXX - Fay Servicing has not responded to any requests for information pertaining to this file. To date Fay is stating noting has been received fro authorization to be provided.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

Equifax experineced a data breach. Using small print they are tricking people, victims of the breach, into arbitration.This is unacceptable. 

" Equifax is allowing people to sign up on its website for free identity theft protection and credit file monitoring following the disclosure Thursday of the data breach, which Equifax said was detected XXXX XXXX and affected 143 million consumers. 

But the credit monitoring service, through an Equifax company called Trusted ID, has a provision that limits liability to the company, and consumers who sign up for what is billed as a free service will be charged for it after a one-year trial period if they do n't call the company to cancel their subscription. 

The provisions, buried in the fine print of Trusted ID 's terms of service, added to confusion on Friday about how much help consumers are being offered. In a broader set of terms on Equifax 's website, visitors are told they must accept certain terms, including arbitration, before being permitted to register for and purchase any product from its site. 

" You also agree to be bound by this agreement by using or paying for our products or taking other actions that indicate acceptance of this agreement, '' it says. 

TrustedID 's terms also include this mandatory arbitration provision '' Source XXXX
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MN)

Ditech lied in their response to my last complaint. There should be no late fees from XXXX as all past due amounts through XXXX/XXXX/XXXX were paid on XXXX/XXXX/XXXX. They were paid the ENTIRE amount they claimed was owed. I have recordings to prove they are lying. They need to try again because I can prove they lied in response to you.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

The Chase XXXX was discontinued on XXXX and converted to a Chase XXXX card. A rewards perk with the XXXX card was a free nights stay with a spending amount of {$12000.00} a year. In a letter sent to me, it stated that the limit would be reduced to {$6000.00} in order to receive the free night certificate. I have met this requirement and have called in to Chase to both confirm this and to inquire when the certificate will post. The representatives I have spoken to have limited knowledge on this conversion and I have spent a good amount of time on hold only to get vague information.
Consumer complaint received 2017-09-12
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)

On XXXX XXXX, XXXX I was notified that my personal information was potentially accessed illegally, without my consent, via a massive data breach at Equifax. This data breach occurred late early XXXX of XXXX and Equifax failed to notify me in a timely manner.