davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-27
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: EQUIFAX, INC. (NC)

XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX-HARD INQUIRYXX/XX/XXXX XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX7-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX XXXX XXXX-HARD INQUIRY-FRAUD XX/XX/XXXX-XXXX-HARD INQUIRY-FRAUD I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE PAST THREE YEARS BECAUSE OF MY CREDIT BEING COMPROMISED BY EQUIFAX. I HAVE SPOKE TO EVERY CREDITOR LISTED ABOVE AND THEY ALL HAVE AGREED THAT I HAVE SIGNED NO APPLICATION. I HAVE CONTINUOUSLY REPORT THIS TO EQUIFAX AS FRAUD AND TO REMOVE THESE HARD INQUIRIES FROM MY CREDIT AND EVERY TIME I DO SO, THEY SAY ITS FACTUAL RECORD WHEN THERE IS ABSOLUTLEY NO WAY ITS FACTUAL RECORD. I WANT EQUIFAX INVESTIGATED JUST AS ALL THE OTHER MILLIONS OF CONSUMERS WHOSE CREDIT HAS BEEN COMPROMISED BY EQUIFAX TO MAKE SURE THEY ARE DILLIGENTLY DOING THEIR JOB TO REMOVE FRAUDULENT INQUIRIES ON MY PERSONAL CREDIT THAT SHOULD ABSOLUTELY NOT BE THERE. THE NEGLIGENCE OF EQUIFAX HAS RUINED MY CREDIT BECAUSE OF THIS.
Consumer complaint received 2018-06-28
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. (TN)

All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, TN ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a XXXX XXXX   visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an XXXX XXXX visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have XXXX my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My credit score dropped 60 points due to me paying off a mortgage that was on my credit report for 13 years. Transunion shows this account as closed but did not reflect that it was paid off. 
I contacted XXXX and spoke to someone in a different country that I could barely understand. They stated that I lost that file off my credit report and therefore it was not used in the calculations of my score. I asked the gentleman to send to another Department to file a complaint. He stated that I should send it in writing. Once again I requested to file my complaint by phone. He refused at which time I asked for a supervisor. 

I spoke to another gentleman claiming to be a supervisor but he stated they exact same thing. He stated that they did not allow consumers to file complaints by phone and that I needed to file my complaint by letter. I asked for his supervisor and he told me that he would send me to the United States Legal Dept. 

This was at XXXX XXXX and the call was anserwed at XXXX by the Special Needs Dept. I spoke to a Lady who stated the same thing and that my credit history was not a reflection of my Credit Score. I requested to file a complaint by phone and She stated that they do not accept complaints over the phone. She then placed me on hold and stated that I could file a complaint over the phone. She stated that my complaint had been recorded and I asked for a compliant # for me to research at a later date. She stated that there was no complaint #. After I raised the question of there being no number then she said that there was a complaint # XXXX. I expressed to her that I was filing a complaint with the CFPB and she stated that number would be available for them to find.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I opened a XXXX XXXX account in XX/XX/XXXX by giving them {$250.00} deposit which was a requirement because I did not have a social security number or credit history. It was a month to month contract. I disconnected my service after 6 months and XXXX sent me an email regarding my disconnection of the service and they told me in the statement how they would proceed with final billing and returning the equipment. Under the final billing section it said depending on your date of the disconnect order, you may receive a credit for services that were paid for in advance, if a deposit was required when you ordered you services, the refund will be applied to your XXXX account to satisfy any outstanding debt or charges for unreturned equipment or other billing. Any remaining credit after applying the deposit refund to your outstanding balance will be refunded by a check. So I understood that they will charge my final billing or any other outstanding bill they would take form the {$250.00} deposit that I gave them when I opened the account and that they would refund any remaining money by check. The email date is XX/XX/XXXX at XXXX. The email was sent from XXXX. So after I received this email I have waited for my refund check for the amount of the difference in my debt ( final bill ) and my deposit. The difference was suppose to be {$50.00} and change. However, after eight months XXXX sent me the full amount of my deposit by check instead of the difference between my debt and my deposit. Then I questioned why they sent the full amount and then I figured out that they sent me to collections without my knowledge. I contacted XXXX regarding that and tried to solve this issue and I paid my debt right away after a month I received my deposit back. I explained this situation to XXXX but they did not accept their fault and correct it. And after two years when I get my social security number, I started having a credit history, I have seen a derogatory mark submitted by XXXX due to this collection issue and was being reported to Experian credit agency unfairly and incorrectly. I then tried to contact Experian as well as XXXX again via phone and email. However they did not fix this situation. They did not fix it and my credit is being damaged by this credit report. I want to get a house and/or lease a car but this falsely reported derogatory mark is hurting my report significantly. I want this to be fixed as soon as possible by XXXX.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

This is the 2nd time Chase Bank ( XXXX XXXX ) has closed my account after approving me ( I have good credit ), stating I am reputational risk for their company? I'm not sure what this means, since I have great reputation in my community, both financially and socially. I feel that I have been " personally discriminated '' against. I called Chase several times, and they said there is nothing I can do? No explanation given.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
XXXX on XX/XX/2018 by XXXX, Automobile dealer, XXXX on XX/XX/2018 by XXXX XXXX, Experian on XX/XX/2018 by XXXX XXXX. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (GA)

I started receiving calls on a medical debt that is over 4 years old from Capital Account starting XX/XX/2018. They get very nasty and abusive and when I asked them to just msil my any communication they got even nastier hollering and screaming at me. I have blocked their calls and they call back from over 6 different phone numbers. I have received calls twice in the same day. 
The company states they can continue to call me until I put it in writing. 
However, they informed me the call is being recorded so they have proof I wanted them to cease calling me. But they won't stop! 
I had a recent death in the family and this past Friday, XX/XX/XXXX, they called got nasty about me not wanting to talk with them and started getting aggressive and loud. I am now mad and upset that this company will not back off. I have taken to calling them back numerous times to get them to back off-but to no avail. 
I just got another call this morning XX/XX/XXXX. This needs to stop. 
I have made a record of the dates and times they are calling and the numerous phone numbers used.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NY)

my husband moved from XXXX to XXXX over 12 years ago and while living there in a rented condo on XXXX XXXX he ordered cable services from XXXX XXXX and used my social security #. I have contacted them several times they added his name to the account but would not change the social security number to his. He left XXXX and moved back to XXXX however he left a {$530.00} balance which they recently put on my credit report dropping my credit score by 58 points. I am retired and only get {$700.00} a month and I can not pay his bill. He works and has income but clearly doesn't care about my credit history as we are currently going thru a divorce.
Consumer complaint received 2018-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MD)

I am been working/attempting to work with Citi Mortgage on loan modification, now short sale since XX/XX/XXXX. In summary, Citi has denied any loan modification, put me in foreclosure 2 times, denied my appeals, denied an options at a court appeals hearing. I retained a lawyer to help with no outcome. I retained a company to facilitate the short sale process since XX/XX/XXXX to current. Citi Mortgage keeps asking for the same nonesense paperwork month after month to delay the process. They say confliciting information, They keep my file in one department ( retention ) for 6 months saying they want me to keep my home yet they put me into foreclusre 2 times during this process and I am forced out of my home. In 6 months of this year ( XX/XX/XXXX ) we started the short sale process, I found a buyer and the file still till this date sits at Citi mortgage. They refuse to move to the short sale department. Citi gives every excuse, keeps asking for trivial paperwork, and keeps me in the dark during the process. As of today, XX/XX/XXXX, Citi now has refused me to speak to my single pointn of contact saying they are switiching account reps and will get back with me. Citi refuses to give me names of supervisors, of phone numbers and excellation department information. I obtained a short sale approval from my Junior Lender, XXXX XXXX XXXX in 3 weeks start to finish. We submitted the approval letter to Citi and they are not working it. I have attatched copies of emails over the past 1.5 years that I have been seeking help thru Citi. You can see the pattern of repeat questions, saying they never received my documention when they did, putting me in foreclosure while they state my file is in retention and they want me to stay in my home. I have been unable to get my file escalated to a short sale in 6 months. Mu point of contact until he refused to answer my questions as of today and told me He will no longer be my contact and my account is being reassigned yet aggain ... .XXXX XXXX , XXXX. XXXX ext XXXX. I worked with XXXX XXXX on a rentention program in XX/XX/XXXX for 1 year and was denied, and they denied my appeal. XXXX. The law group handeling the foreclosure is XXXX XXXX XXXX XXXX. The lawyer I hired to help me originally obtain a retention program was XXXX XXXX. I have now obtained XXXX XXXX with XXXX XXXX XXXX who has been trying to work with Citi daily ince XX/XX/XXXX to obtain a short sale on my behalf. They /citi now refuse to access my file and answer all/any questions about my account effective today. I am asking for help. I want a short sale of my property. Citi will not facilitate. Total time workingn with Citie is now 1.5 years. All documented with my attatched documents and emails.
Consumer complaint received 2018-06-28
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: Exeter Finance, LLC. (FL)

On Tuesday, XX/XX/XXXX a letter was delivered certified mail asking creditor to verify late payments on a joint account. Thirty-one days later after retaining a new copy of credit report, I notified the company they did not contact credit bureaus to have account marked as disputed violating state and federal laws, FCRA section 623 ( a ) ( 3 ) & FDCPA section 807 ( 8 ). On XX/XX/XXXX I received a response from the creditor stating account was verified with no documentation showing so. On Monday, XX/XX/XXXX they received another letter delivered certified mail of all the laws violated by the company and their response was send them any and all documentation I have regarding account.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
Equifax on XX/XX/2018 by XXXX, XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (OH)

I filed a claim for unauthorized ATM transactions on my Bluebird American Express account. The claim was for $ 3k+ in fraudulent transactions. They research for one whole day before declining my dispute. The reason they gave was there was no error. No other explanation. I dont think they even researched my claim. Also, Ive previously sent them two dispute letters and they claim they never received them. I dont believe that for a minute! They just dont want to honor their zero liability policy. Im including the original letter I sent to them. The transactions are as follows ... 

XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$200.00}
Consumer complaint received 2018-06-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC. (MD)

I applied for Suntrust 's Home Preservation program last year when I was on XXXX. After finding out the specifics of the program, I asked to be removed. I have asked again this past Spring and was told I was going to be removed after 6 months which would have been XX/XX/XXXX. My mortgage is not 30 days behind. I made my XX/XX/XXXXpayment on XX/XX/XXXX. On XX/XX/XXXX I received a call from the Home Preservation program. When I call in they say they are attempting to collect a debt. I have asked more than once for them to stop calling me and have messages asking to be removed from the program. This is harassment.
Consumer complaint received 2018-06-27
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. (IL)

My first dispute letter was sent XX/XX/2018. My second dispute letter was sent XX/XX/2018. My third dispute letter was sent XX/XX/2018. My fourth dispute letter was sent XX/XX/2018. 

Experian continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or contract bearing my signature. 

Experian has not provided this consumer with the information of Who verified these accounts and HOW these accounts were verified by virtue of documentation containing my signature binding me to these negative accounts. 

Experian is now in violation of the FCRA and continues to be in noncompliance.
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

I borrowed approximately {$10000.00} on XX/XX/XXXX for a Term of 67 months from SANTANDER CONSUMER USA through a car dealership in XXXX, Vermont. I was given fraudulant information from the dealer, they gave the wrong VIN # and Santander approved the car loan based on that information. 
On XX/XX/XXXX Hurricane Irene hit, I lost everything. I was listed with FEMA as a catastrophe victim. When I went to trade my car in for a less expensive vehicle, as then I was homeless and broke, I learned of this fraud. The car dealer ran the VIN # and showed me how the car was worth XXXX dollars. 
I wrote Santander, called them and I could not get anyone to go off script and to help me to do the right thing. All I wanted was advicew from the legal department. 
I was homeless and broke and Santander would not allow me to deal with their legal department. I called and emailed them and got nothing. 
After months of trying to resolve the issue I left the keys in the car, and I left the car on the street in Washington, DC. I called Santander to tell them I was doing this, and still, I got no response other than, you need to pay your bill. 
Now it is XX/XX/XXXX and I would like to apply for a loan to buy land and a small shelter. Still I have Santander on my credit report looking like I just decided to stop paying for my car. 
I feel this is a false representaion of my credit record and with my wanting to do the right thing with Santander. I wanted to proceed with a case of fraud against the dealer. I needed Santander to help me with this, but all I could get was scripted Customer Service Representatives. It just breaks me that all these years later Santander is still on my credit records, misrepresented as the victim of a default. 
They are in the business of lending money it is their responsibilty to help a customer when fraud like this occurs. yet they were completely inaccessable to me. 
I was broke and homeless from a hurricane and they just wanted their next payment. 
What made matters worse forme was that my only FEMA emergency funding was {$1200.00}. That is what I walked away from after Hurricane Irene. I could not organize myself to start a suit of Santander or the dealership at that time.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (FL)

Yes thank you! .. Ive been trying to pay on the phone as XXXX compass bank said _last month that they had an internal/technical problem with the XXXX app.. however my complaint is I tried to pay with my XXXX bank on my current account _this month before the due date ( & previously ) as usual.. 
Recording ; _no operators available to take your call! _ Ive tried now three days and get a recording to leave my telephone number for _call back when they arent so busy__ I did <ph # can only leave it once> this is crazy.. now a late fee?
Consumer complaint received 2018-06-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Worldwide Processing Group, LLC (CA)

I received a voicemail at work and on my cellphone from a person name, XXXX. I did some research and found she is from a place called Forward Movement Recovery. Message left stated she was trying to locate me for tracing efforts. The message is also stating if they are unable to make contact with me they will take other means to contact all my references to locate me. The messages is threathening and does not say what it is regarding.
Consumer complaint received 2018-06-27
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. (PA)

Someone tried to open a Chase card with my email account on XX/XX/XXXX. XXXX XXXX says it came from Leet.cc, which is a gaming service that was breached in XX/XX/XXXX and my information comes up are a hard inquiry. I don't do any video gaming over the computer nor do I purchase games from this website. Who ever tried to get the card, did not. I had just noticed this at the bottom of my credit report today, XX/XX/XXXX. I am very upset this happened. I do not give out my email address except to certain stores and the doctors. I hope this gets removed from my report, because it is making it hard for my family to get a card, because it is there.