davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
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. (CA)

I had been victim of ID theft, and therefor many accounts were opened under my name with out my knowledge, and my credit was XXXX beyond my imagination that such thing can really happen. 
i have tried to call the creditors and also the bureaus all three of them but XXXX and XXXX were a little helpful except equifax who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing XXXX XXXX   and equifax. please have these fraud accounts removed from my credit file thank you and XXXX bless you.
Consumer complaint received 2019-04-12
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: Credit Technologies, Inc. (MD)

In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 2017
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

Westlake Financial Services, XXXX, CA took my XX/XX/XXXX car loan payment and applied it to another consumers account. The money was deducted from my bank account so I did not realize it had not been deducted from my principal loan balance ; until it happened again in XX/XX/XXXX. I activated my online account and researched all payments against loan payments and found the 2 Missing payment. I contacted WFS and after proving with bank tracking numbers they correctly applied my payment to my account. I pay approx {$6.00} per day in interest. I asked them to put back 1 years worth of interest as the payment was missing for that long, as well as late fees, as they payment was not late, but for a year it my account was obviously not current and always 30 days behind. WFS opened a complaint in my name and told me for nearly 2 months the accounting department was trying to calculate the correct interest amount and apply it back to my loan. They would never let me speak to anyone in the accounting department. I reached out to WFS on XXXX, XXXX, email, and phone, and get the same answer. We are looking into it and please wait for the accounting department to investigate. I then contacted the XXXX XXXX XXXX, and WFS said I needed to wait for a letter they sent me. I never received the letter, or an email, or a phone call. XXXX sent them a follow up and they replied that I needed to give usps time to deliver their letter. 3 weeks and it never arrived, is plenty of time. I think they were playing the waiting gameas they knew XXXX would close the complaint. Which they did today, and advised me to file a complaint with you. I would like the interest accrued daily for 1 year plus late fees to be returned.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

Since XXXX, Freedom Mortgage has attempted to charge me a late fee each month even though I have never been late with my payment. I have repeatedly had to prove that I was not late with any of my payments. In XXXX, I paid my mortgage, entering my account number correctly ( triple checked as always and no other company had an issue submitting for payment that same month ), but several days later Freedom Mortgage reversed the payment. They did not attempt to contact me to let me know there was any issue. I did not realize they had reversed the payment until after my payment was now late. Speaking with them on the phone they claim I entered the account information incorrectly. Again, I do not believe I did. I triple checked and it is the same bank account number that I enter to pay all my bills. I have not ever had an issue previously from other companies using the account number. 

Freedom Mortgage purchased my loan and I have had difficulties with their website and their company since that time. I feel like they have been attempting to put on my record a late payment and charge me extra this entire year and now they found a way to do it. I can only imagine if they do this for every client how much extra money they would rake in charging everyone almost {$73.00} extra a month. 

If they had reached out as soon as there was a problem ( if there even was one ) then  customers would have a chance to rectify the problem prior to the due date. They have my email address and my phone number. Terrible customer service and a rotten business practice. 

Oh and by the way, I mentioned while on the phone just a minute ago that I would be making a complaint and suddenly the website isn't allowing me to see my account information. I could see it prior to complaining but now it is suddenly unavailable.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX someone accessed my mother 's Chase online login, through which she had access as a user of both my and my brother 's bank accounts. That person initiated a XXXX with XXXX transfer from my brother 's account into my account, then transferred {$1300.00} out of my account with XXXX to a person no one in my family is familiar with. Due to a low balance alert on my brother 's account we became aware of this issue almost immediately while the transaction was pending and called Chase, but it was not stopped. Then while my mother was on the phone filing a claim ( I could not as it was technically my mother 's login compromised ) they initiated another transfer for the remaining sum in the account, around {$250.00}, and this transfer was stopped as not authorized as they were on the phone with her. We have not heard any resolution on this claim despite multiple family members trying to speak with someone in the fraud department. They did as a courtesy make the funds available again, but pending resolution of the claim they may need to be returned.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Made full payments on XXXX on my credit cards to help raise my credit XXXX XXXX XXXX and Capital One, unfortunately my bank account was closed due to fraudulent activity and the paymentswent back then they decided to close my account with no questions ask didnt let me pay the balance not even to reopen my credit accounts they completely shut it down and sent it to collections, which has damaged my credit. Please help it wasnt my fault, they way XXXX XXXX handled the situation was very wrongfully done. No customer care at all.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

These are all new credit inquiries that I did not authorize and have no knowledge of. 

XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXXXXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (GA)

I submitted a request to receive my consumer report from Early Warning Services on XX/XX/2019. The request was read on XX/XX/2019, but I never received any response.
Consumer complaint received 2019-04-15
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. (MO)

To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my report.
Consumer complaint received 2019-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

OK I cant Trans Union and reported that I have a XXXX XXXX XXXX a auto loan finance that I dont recall me giving consent to run my credit I have some from Arizona I live in Virginia as we speak so does not make sense why I would try to purchase a car in Arizona they told me that they belong to me and that they could not help me thats why I know I want proof that I did consent to these and that I signed up to run my credit
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC. (NE)

Wakefield and Associates debt collection agency out of Colorado has sent me written communication about a medical debt that is apart of an on going lawsuit. After receiving this letter I contacted the agency by email ( which was an option provided ) to advise them I am represented by an attorney and any futher communication should be through my attorney. Since then I've received another letter and more than at least 5 phone calls. Once I received the second letter I again sent another email. I also work for a debt collection agency.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

To Whom this may concern, Upon looking at my credit file in XXXX of XXXX to obtain a mortgage, I realized there was a collection being reported as an open collection item on my credit file in the amount of ( {$3900.00} ) by a company called FCO Fair Collection & Outsourcing. The company said the debt was opened on XX/XX/XXXX this debt is most certainly not mine as this case was dissmissed without prejudice in court ( see attached REQUEST FOR DISSMISSAL signed by the court as of XX/XX/XXXX ), only to have this debt forward to a collection company causing great hardship for me and my wife in trying to obtain a mortgage for our family after years of renting. I attempted to contact creditor to provide proof of debt only to be told debt is allowable by law and that don't have to prove the debt is owed. I went only tell them that the debt was dissmissed in court and forward proof of said dissmissal I was told that the legal court document was worthless and that they legally have a right to seek damages for wear and tear, paint and carpet outside of court. I tried to explain to them that I've in apartment for over 2 1/2 yrs and thought I left the apt spottless, it was signed off my the onsite manager upon acceptance of the key. Nevertheless, it would be expected to paint and replace  carpet but not at my expense I would like the matter be resolved and removed from my credit file.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Good evening I would Like to file a formal complaint on Transunion I have asked them about 3 times to investigate And remove incorrect reporting on my credit report But they fail to do so. there are a lot of major Violation on Transunion behave.. fcra says each account must be reported 100 % accurate CFPB I WOULD like to point out a few Violation on Transunion behalf XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX No account number Incomplete info Please delete This account asap This account Is showing a pass due balance per FCRA No closed accounts should show a Monthly payment Transunion Remove this account ASAP OR I WILL FILE A LAWSUIT FOR FCRA Violations
Consumer complaint received 2019-04-12
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. (MN)

I Need to file a complaint on Experian reporting agencies. I have asked them about 7 time to Please investigate negative reporting on My credit report they keep claiming they the accounts are verified I have sent them factual info and they fail to do a proper investigation. Which is a violation per the FCRA. I DEMAND THE FOLLOWING XXXX ACCOUNTS BE DELETE FROM MY CREDIT FILE. DUE TO WRONG ACCOUNT NUMBER I HAVE ENCLOSED A FILE SO THEY CAN SEE FOR THEMSELVES AND I DEMAND THE FOLLOWING XXXX XXXX ACCOUNTS BE DELETE PERMANENTLY ALSO I SENT YOU PHYSICAL PROOF OF THIS NOW I'm asking you to send me proof of your Physical investigation I wan na know who you spoke with when you spoke with employee id badge number what documents you sent to them what they sent back to you I need Physical proof any sign copies with my sign signature attached as I stated over the last time these are Not my account Not sure who they are and you keeping claiming that you have verified these XXXX accounts I asked that you not use your XXXX digit code system called XXXX XXXX I'm asking for physical proof I sent it to you in this account ( see File ) and I expect you to send me Physical proof as well. per the FCRA 611 I HAVE EVERY RIGHT TO ASKED FOR PHYSICAL IF YOU CAN'T SEND ME WHAT I'm ASKING FOR I SUGGEST YOU DELETE THE ACCOUNT ASAP OR LEGAL ACTION WILL TAKE PLACE!
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: JPMORGAN CHASE & CO. (VA)

We were misled by the CHASE credit card 's 0 % APR cash offer that we did utilize twice in XX/XX/XXXX and in XX/XX/XXXX we paid it all back early, because of the scam about charging auto-matic purchase interest even when paying off all of our charges off every month, as usual. 

All 4 statements- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are attached, showing the history. 

Also attached is the XX/XX/XXXX letter to Chase regarding the mistake that they had made on our XX/XX/XXXX that appeared to cause a pitfall " every month '' as they again charged us purchase interest, ( on XX/XX/XXXX for {$37.00} and XX/XX/XXXX for {$22.00} ) even with ALL PURCHASES being paid off on or before the due date, as we always do. We'd like our {$60.00} for these amounts, returned immediately to our Chase card that ends in - XXXX. 

We never would have accepted their offer for only a 3 % transaction fee if Chase had disclosed that all of our re-occurring charges and other purchases, on this visa that ends in - XXXX. 

{$170.00} is the amount that we were charged on our XX/XX/XXXX statement for the {$5900.00} cash advance, we are not going to demand that CHASE return that, but they should. As anyone can see, we surely did not get to enjoy their offer for 0 % APR on the cash advance part of the statement for the year that they offered! We had to pay it off early to avoid that monthly " scam '' they run on the purchases! You'd have to pay off every purchase, while it's only a " pending authorization '' and before it posts to the statement to avoid being charged " purchase interest ''!
Consumer complaint received 2019-04-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

In XX/XX/XXXX, my wife went through a XXXX  procedure on her XXXX. Due to medical treatment she was put on short term XXXX until XX/XX/XXXX. Since XX/XX/XXXX we started to fall behind on our mortgage payments. On XX/XX/XXXX my wife and I sat down with a housing recovery specialist from XXXX  ( XXXX  XXXX XXXX ) to try and alleviate the issue and look for options to get caught up with our house payments. On XX/XX/XXXX, a loan modification application was submitted to Shellpoint mortgage servicing, after continued emails and phone calls to try to communicate with the appointed point of contact from Shellpoint to verify they had received all the required paperwork, the application was denied due to verbiage on the packet. After finding out what the mistake was on the first application we submitted a second loan modification on XX/XX/XXXX, again being denied due to " debt to income ratio '' ( DTI ) being out of range ( too much debt ), they failed to account for my wife 's income even after they were provided with several months worth of pay stubs. Once again we are going through the process of applying for a change of circumstances as of this moment. This whole process would have been a lot easier if it wasn't for the lack of communication and due diligence on Shellpoint 's behalf. The following are issues we were presented with during the process : Excessive / duplication of documentation requirements in assistance process you had to submit the same documents over and over again Lack of proper / due diligence review of documents ( pay stubs ) submitted the pay stubs you have submitted have not been reviewed and filed/recorded correctly Lack of contact /communication throughout the assistance process the POCs do not respond to emails or call back regardless of numerous attempts to communicate with them. 
Due to the issues listed before, we are now 8 months behind in our payments, and without a clear resolution to this problem in sight. As I write this, we are submitting my wife 's paystubs for the third time in hopes everything is done correctly this go around. We are acting in good faith and want to keep the property but it seems that Shellpoint is more interested in foreclosing. Due to the nature of my loan ( VA Loan ), I have my VA representative looking into this case.
Consumer complaint received 2019-04-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

To my knowledge, I was never late on my GM Financial lease with account number XXXX****. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true so I am asking as a long time customer for this error to be fixed. I have had this auto lease since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. I would have never known unless I looked at my credit report. Nobody ever told me I was late. To my knowledge, I have always had 100 % positive payment history and have not only tried to pay way before my due date.
Consumer complaint received 2019-04-16
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. (NJ)

On XX/XX/XXXX at XXXX XXXX, I applied on line, for my " Free '' Credit Reports at XXXX. I provided all of the requested personal information, and correctly, from my financial records, answered all " Security Questions '', as requested by the CRAs.

I received my " Free '' Credit Reports from XXXX and XXXX XXXX on line immediately. 
Equifax, however, declined to provide my report on line, and provided me with a PDF form to request this information, by mail. In addition, Equifax stipulated what documentation I had to provide in order to prove I was who I said I was. 
This information, included : Copies of my Social Security Card, A Pay Stub with SSAN, and W2 Form. for Identity Confirmation ; and for address confirmation, Drrivers License, Rental or Lease agreement/house deed, pay stub with address, and utility bill. 

Complaint : 1. Equifax had sufficient verification, to issue me an immediate Free Annual Credit Report, but elected to stonewall in an attempt to circumvent the requirements of providing an annual credit report without cost to me. They are of course hoping to sell me a " For Fee '' Credit report, only verification needed would be my Credit Card. which is what happenedto me the last time I requested a Free Credit report from them in XXXX. 

2. Information requested is unreasonable, and exactly what the FTC and Consumer Agencies advise NOT to provide, to prevent identity theft. ie : SS Card, Drivers License, and Deed. That's all an identify thief needs to not only steal my identity, but clean me out. I have lived at the same location for 33 years, which they know. I am retired, so I do not have Pay stubs, or W2 forms. I no longer have a residential telephone to bill, and all utility bills are paid online without paper billing. 

It should be noted, that the other two CRAs, XXXX  and XXXX, found my online verification sufficient to provide me with a report, and did not make unreasonable requests.