davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
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)

On XXXX XXXX, XXXX in response to the Equifax hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today XXXX XXXX XXXX, XXXX XXXX to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem.
Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.
Consumer complaint received 2017-12-22
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: EQUIFAX, INC. (FL)

I have been trying to dispute innacurate account information on my credit file with equifax since XXXX 2017 provided proof of the information that need ot to be corrected letters have called numerous times to attemp to resolve it they state is fixed ive been trying to get a mortgage loan but every single time they denied mw because my scores are not reporting accurately and accounts are no being removed but are stil showing under a dispute status preventing the lender to pull accurate information and til this day already XXXX and equifax not only i was notify as been part of their fraud issue where my information was compromise not even an apology they havent been diligent in fixing this issue for me i tryed too many times cant no longer deal with them as they are very negligent i am a single mom of XXXX trying to buy a house for them and cant get pass this issue to be able to buy a home for my kids and get the opportunities i deserve because of them i decided to report them and even consider legal action agains them please help me i dont know what else to do or who to go to ive spoken to representatives supervisors and nothing seems to work once again thank you for you time and hope this resolves the issue
Consumer complaint received 2017-12-22
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. (CO)

XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXXnow age off date is XX/XX/XXXXData for joint account holders of same XXXX account reported by same CRA XXXX does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least XXXX different XXXX and multitudes of dates when the account was closed.
Consumer complaint received 2017-12-22
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (VA)

Ref : XXXX Date submitted to CFPB XXXX/XXXX/XXXX I am referring to my complaint that was submitted on XXXX/XXXX/XXXX in regards to complaint number XXXX ; where a specific requirement was to agree on a moratorium for payment of interest until the dispute matter was investigated. The bank did confirm in a letter to me that no ACH deduction will be made ; it would then seem this would also apply to manual payments to the bank to stop until the bank would have time to investigate my claim. 
The claim was answered on XXXX XXXX XXXX. However, meanwhile Wells Fargo has been continuously reminding me of my payment requirements for the disputed account upon visiting their bank website to complete some bank transactions. I wrote them a secured email via bank channels to advise them that the matter was under investigation. 
On and around XXXX XXXX I received a call from the bank representative XXXX XXXX who has been working on the above claim XXXX that they were completing the findings. I asked her that since I have not been paying the loan interest for XXXX ; what she would want me to do since XXXX was around the corner. She recommended that I pay. I also cautioned her that the bank should not report me for late payment and charge me a late fee. She confirmed she would ensure this was communicated. I made the payment to the bank the next day for the XXXX and XXXX interest. The bank wrote me on XXXX XXXX XXXX, I received the copy on and around XXXX XXXX. I was not able to access the reply from the CFPB site because access was denied. 
I am not finished with this complaint ref XXXX, since the bank has requested more information. 
On XXXX XXXX XXXX ; Wells Fargo called to inform me that based on their findings I was 32 days late on the payment to the home equity and that they were reporting to the credit bureaus. I told them that that this should not be the case since the account was under dispute ; I have also received a letter from the bank on any ACH deductions until the matter is resolved. They were not aware of the letter and insisted based on their review that because I was late by 32 days they would proceed reporting to the bureaus irrespective of the dispute. 
# 1. Wells Fargo admits that an error did occur in their findings with respect to the existing loan. The closing attorney of XXXX refused to pay their claim because the document had incorrect records on the second mortgage. 
# 2. The bank admitted error in unilaterally taking monies out of my account for XXXX on a non-existing secured loan and refunded the payment after 3 years in XXXX The bank must recall posting the late payment history to the credit bureau with immediate effect. If one has been done they must recall and advise me and the CFPB that the action has been completed. 

The XXXX XXXX call originated from XXXX at XXXX XXXX
Consumer complaint received 2017-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AMERICAN ADVISORS GROUP (NV)

On XXXX XXXX, XXXX, XXXX Montana AAG Vice  President, personally assigned me to his loan officer XXXX XXXX XXXX. In my conversation with XXXX XXXX, specific requirements pertinent to obtaining a reverse mortgage loan were disclosed. They included purchase agreement, counseling, FHA appraisal, and financial disclosure, all of which were provided. Nothing more was requested or deemed required. I explained my current and past residency and lack of credit history. XXXX XXXX clearly indicated this was not a problem since I was " the perfect candidate for a reverse mortgage considering my age, marital status, and substantial net worth ''. 


Since that time, endless amounts of data have been requested and furnished whether the data was relevant or not. In early XXXX the account was reassigned to XXXX XXXX XXXX immediately after XXXX XXXX XXXX had called to advise the loan had been rejected due to a conflict between the XXXX  XXXX XXXX XXXX XXXX, and FHA requirements. XXXX XXXX XXXX 's explanation of the facts along with my email to XXXX XXXX XXXX, AAG CEO resolved the issue overnight. The loan was then reinstated. 


XXXX XXXX has repeatedly lied, misled, misrepresented and failed to disclose requirements initially, and throughout the loan process. XXXX XXXX  's standard answer is " I do n't make the rules '', but he certainly knows how to break them This has placed all parties at financial risk, and in my case, resulted in health issues. 


The UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. XXXX of XXXX XXXX, XXXX levied a {$400000.00} fine against AAG, it 's Officers and Directors for fraudulent actions comparable to that of XXXX XXXX Once again AAG has violated XXXXederal Law, and will be held accountable.
Consumer complaint received 2017-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Sierra Holdings LLC (NY)

My name is XXXX XXXX. The XXXX XXXX was towed by the city of New York. I had to pay the tickets so I could not continue to make the monthly payments. XXXX XXXX finance got the car from the XXXX, and when I tried to take the car back and to make payments, the customer service tech refused to lower the fees and deposits in order for me to get the car back. If you look at my payment history, it will show payments for about a year. Therefore, I would the account to be removed from my credit reports immediately. 

SS # XXXX.
Consumer complaint received 2017-12-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

I took out this loan XXXX/XXXX/XXXX loan # XXXX It has been problematic ever since. The dealership made me pay for things I did not need or want which was XXXX XXXX XXXX XXXX XXXX. After reading thru it all again they added on items I did not want and gave me such issues when trying to cancel. They would not email me items requested and said they would not deal with me unless I went in and were so rude. Yes I know when I bought the car I was at the end of a Chapter XXXX that my ex husband was paying off and the court gave me a signed form to get a car loan. The BK is now discharged and paid 100 % in full for almost a year now. But the loan rate is ridiculous and this bait and switch is not what I wanted it took me almost 6 month for them to take off the Gap. They refused to let me cancel extended warranty which I cancelled because already issues with car as AC does not work and they would not cover on brand new car. Also they did have a recall on camshaft sensor but then told me they would not cover. Also never disclosed AC was XXXX which I never heard of and the recharge is XXXX. This car is only a year old and I have had to replace all the cheap tires they had on it. I got the most basic XXXX XXXX and 2 months after I bought dealerships were selling for 15-17K and they charged me close to 30K!! They took advantage as this is the first car I have purchased in over 15 years and the rate is predatory almost 19 % To Date I have paid them XXXX and only XXXX has gone to principal. I requested an APR reduction as because of this I am so upside down on this loan and they received XXXX from dealership from insurance but they would not let me cancel the paint or oil changes they charged me for and never have time to do. So to date I still owe XXXX and looking at this they have payments all only applied to interest. The XXXX they applied to principal. The car is worth 10K max and I have had so many issues and XXXX made promises they never kept. I am being completely ripped off and even with better credit I can never refinance because I have been lied to on this loan. XXXX is too much to pay a month for this XXXX car that after 16 months have had to replace tires/brakes camshaft/AC I cant even afford to fix and if they told me it took the XXXX and cost I would have never purchased. My XXXX company car never took that I have never heard of it. I stopped contacting XXXX XXXX XXXX because they ignored me and were beyond rude. I have had issues with payments with XXXX XXXX which they did fix and waive late fees but with XXXX going straight to interest I mean if they gave me a reasonable rate this car would be halfway to being paid off instead they are hosing me.
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CO)

I have power of attorney for my father, who is XXXX years old. At the time of the alleged debt, in the summer of XXXX, my father lived in an independent living facility in XXXX, CO. He had signed up through the living facility to obtain cable through XXXX. He claims that the independent facility quoted him a price for the cable package, but when they went to install it the price was substantially higher that what was originally quoted to him. So he declined to have the cable installed. All of his dealings was with the independent living facility and he never signed any contract with XXXX, to the best of his knowledge. Over a year later on XXXX XXXX, XXXX, he received a letter from Diversified Consultants, Inc. XXXX. XXXX XXXX, XXXX, FLXXXXXXXX that he owned XXXX {$210.00}. I wrote a letter in his behalf to Diversified Consultants on XXXX XXXX, XXXX, advising them that my dad did not owe the amount as he had never signed any agreement with XXXX. To date neither my father or myself have received any response from Diversified Consultants. However some alarming events have taken place. I received a letter from XXXX stating that my father 's address had been changed to my residence. My father does not live with me and has his own address. Further neither my father or myself have ever notified anyone to change his address to mine. The second incident involved my personal credit information. I was advised on XXXX XXXX, XXXX, that on my credit information, my address has changed to my dad 's previous and present address. These two incidents need to be corrected as they are not only incorrect, but are inaccurate and not requested. A letter has been sent to Diversified Consultants to advise them of these unacceptable practices.
Consumer complaint received 2017-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

HAVE A MEDICAL BILL THAT WAS PAID FROM XXXX XXXX XXXX, AND THE FACILITY THAT I WAS SEEN AT IS CHARGING A HIGH AMOUNT ON MY CREDIT BECAUSE THEY WAITED TOO LONG TO BILL INSURANCE. I HAD XXXX XXXX XXXX AND THE BILL WTLL NEED TO WRITTEN OFF. IT IS WITH A COLLECTION AGENCY CALLED XXXX XXXX AND THEY ARE VERY RUDE AND IMPOSSIBLE TO DEAL WITH. THEY REFUSE TO TAKE IT OFF MY CREDIT AND IVE TRIED CALLING THE ORICIAL FACILITATOR. NO HELP THERE EITHER. I HAVE TH XXXX FROM THE ISURANCE PROVING THE PROVIDER WAS PAID.
Consumer complaint received 2017-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CT)

XXXX XXXX Stated that they reached out to me in regards to my credit card was sent to collections without my knowledge. The amount due is {$1500.00}. There were fraudulent charges on my card and the fraud department expressed to me that the funds would be put back on the card for me to utilize. The card is in collections and they stated that they contacted me but I never received a call concerning this. They have been extremely unhelpful and unprofessional in my attempt to get a better understanding. Furthermore, they lied the last time I reported XXXX XXXX XXXX. I reached out to the President 's Office several times and got no correspondence back via telephone. I would like them to stop the late payment charge so that I can pay it off due to there negligence in staying in contact with me regarding the collection status of the credit card.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (VA)

I am disputing the balance of XXXX on my XXXX credit card acct. Balance is very high and I have found multiple errors on my last billing statement alone, to be very concerned about the handling of my acct, to date. I have sent in overpayments on purchases too and no one seems to " know '' where money went. 
XXXX XXXX XXXX creadit card .... REFUSES to address my overcharges of items and added postage on my XXXX charge account. Company continues to give the EXCUSE " we can not see what original charges and they WILL NOT send me a representative name and a fax number, so I CAN SENT THEM A COPY of my account history, to review charges for errors on my acct. It is very clear that there has been mismanagement of my account over months now. 
I am disputing the account balance with XXXX customer ser. and bank, both companies are not working with me to address my over charges and both companies have been reported to the Better Business Bureau. 
** I am still waiting for a final response from Better Business Bureau Florida on XXXX customer service with their companies final response as to what they are willing to do to help me resolve this issue. 
** '' I just want to pay this card off and get these companies out if my life. I however will not continue to pay in an acct, that I am getting over charges on. 
***history OF ATTEMPTS to resolve attached.
Consumer complaint received 2017-12-22
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX and I was getting prepared to purchase a home. The lender pulled my credit report and Experian has someone else 's information on my credit report. I have disputed the items including accounts, names, and addresses and some have been removed but some items are still listed. They are listing several open student loans when there should only be one open student loan that I consolidated. The remaining loans are the other person 's as well. This upsets me because I am very credit worthy and this is n't fair. Experian is the only credit reporting agency that has this incorrect information. I am sending pages of my credit report showing the incorrect accounts that I disputed with them and have yet to be removed. As of today 's date they are still reporting. The most frustrating part is I had to send them proof of my identity and they still did not confirm the information. The other person has the same first name but NOT last name. Also I believe the other person 's social may be very close to mine but that is no excuse for Experian not to be thorough in their investigation.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXXXXXX 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-22
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: Experian Information Solutions Inc. (GA)

I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.
Consumer complaint received 2017-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.