davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

I contacted Chase on XX/XX/XXXX after receiving a XXXX for tax year XXXX for a principle forgiveness. I spoke to XXXX XXXX to inquire as to why I was receiving another XXXX in XX/XX/XXXX when I had already filed my taxes in XXXX. Also, I was responsible for claiming the full {$24000.00} but the deferment is in increments of {$8100.00} for a total of three years. I stated I 'd only received one deferment so why did n't the XXXX reflect the amount allocated to me. I was transferred to XXXX in the mortgage department who transferred me to XXXX XXXX in Servicing Escalation department at XXXX XXXX. I was transferred at XXXX XXXX to Default Modification Escalation Department  where a case # XXXX was created to address my concern. I was advised I would receive a call back in 48 hours to no avail. I contact Chase on XX/XX/XXXX at XXXX XXXX and spoke to XXXX Escalation Supervisor regarding the case for my XXXX, if it would be changed to reflect the correct amount, or if they 'll take the full amount off the principle immediately. I informed her my next anniversary is in XX/XX/XXXX for the second payment to be applied to the principle. She denoted she was waiting on a follow-up request from the back end department and some one would call me back. I received a call back from XXXX XXXX from the escalation department at XXXX XXXX. He opened up another case XXXX with the back end department and they were the ones to send over discharge information to the IRS but will see how they wish to proceed. I 'd receive a call in 7-10 days. I contacted Chase on  XX/XX/XXXX at XXXX because I had not received a response and spoke to XXXX in the escalation department. She read XXXX notes which stated that the IRS request the full discharge amount to be applied during the year the modification was initiated. I expressed my dissatisfaction with the explanation because I 've filed taxes for the full amount and could possibly default but have n't and they 've sent the information to the IRS. It does n't make sense. Will I receive another XXXX for XX/XX/XXXX  & XX/XX/XXXX? Will the amounts be at XXXX is the question I proposed to XXXX? I was suppose to receive a call back by XX/XX/XXXX with a response and have not received a call.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (AL)

XX/XX/2019

CFPB

Complain about misuse of power.

I was offered Credit Card from XXXX XXXX XXXX,  15. monthno interest and US $ XXXX.- ,
limit.

Inthe process the employer for XXXX  ,he ask me about where he will be able ti send me Cash Advance money, with 3 % charge. ask if I have some CC , ask I admitted in Wells Fargo, have been with the card for 10 years, but are not using that because of 24 % interest. I have ask for lower the interest and been cut off. Therefor is account with US $ XXXX. limit not used in Wells Fargo,

The next thing I know is there is Cash Advance from XXXX in my Well Fargo account for US $ XXXX.-, and i talk with Wells Fargo ask them to transfer this money to my saving or checking account. they say all money taking out from this CC will be on 8 % cash advance cost. even as this are not their money,  WF ask me to talk with XXXX  and ask them to instruct me to talk with XXXX  as I did, and they denial any further transfer.

Now this amount sit in the Wells Fargo, and I can use this for normal buying, but not with any other use.

I am ready to return this money to XXXX  and cancel the card. But I are stuck.

Kindly give my advice. to do.

Thanks

XXXX XXXX
XXXX XXXX XXXX XXXX, AL XXXX
XXXX
Consumer complaint received 2017-09-09
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. (TX)

It was announced XX/XX/XXXX that there was unauthorized access to data controlled by Equifax from mid XX/XX/XXXX through XX/XX/XXXX. Rather than contact people individually and personally, we found out via a press release, and had to verify our identity through their own site to find out if we were affected. I checked today ( XX/XX/XXXX ), and I 'm on the list of potential victims, where my SSN, license number, addresses, and birthday are compromised. That 's more than enough information to allow someone to open new lines of credit in my name, or otherwise compromise my financial standing. The company 's resolution to this is to enroll with their TrustedID partner for protection and monitoring, but the service only lasts for one year. My information can be used for significantly longer than a year, however, as my social security number can not be easily changed without identity theft having occurred, changing my name would be silly, my birthday ca n't be changed, and my addresses are impractical to change. This service is not free after the first year, and we also can not enroll immediately- we 're assigned a day that we can enroll, and mine is n't until the XX/XX/XXXX. We 're also given information on freezing our credit reports, but that 's not free unless you 're already a victim of identity theft.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

Equifax has been hacked and their site indicates that my information was open on the Equifax computers to the hackers. This happened in XXXX and I just was aware of this BY NEWS REPORTS yesterday, XXXX XXXX. It has been reported that officers/executives at Equifax dumped their stocks when they found out about it in XXXX. Equifax has betrayed a public trust and should not be allowed to function ... put them out of business since they are not acting in good faith. Little people, like me, have had our security compromised by their XXXX Equifax 's ) lack of professional standards. The hackers can hold onto our info for some time before " cashing in '' on small folks like us ... .so now my meager finances are at risk FOREVER. I am a senior living on a pension and can not afford to take a financial hit. There must be a penalty imposed on Equifax for their disregard for our financial safety.
Consumer complaint received 2017-09-09
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. (NC)

Private information in my credit report has been released into the public realm from Equifax without my permission. I subsequently placed a freeze on my credit report, and was charged to do so by Equifax ( I was required to pay for the freeze with a credit card. ) I feel the freeze should have been placed with no charge since my data was compromised by their own admission.
Consumer complaint received 2017-09-09
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. (NY)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-09-09
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. (FL)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.
They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-09-09
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. (MI)

Equifax allowed unknown persons to access my DOB, SSN, name, address, drivers license number and private credit report information. They did not protect this information to the best of their ability. I have now had to shell out {$30.00} to freeze my credit with 3 credit bureaus and pray to XXXX that hackers are not fraudulently using my information that Equifax did not protect.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CO)

I checked on Equifax regarding their data breach and it turns out that I was effected by it. 

Equifax did n't do their due diligence to ensure my personal information was safe and I am now potentially at risk of credit fraud.
Consumer complaint received 2020-04-29
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)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX  XXXX {$0.00}
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello, In XX/XX/XXXXI filed chapter XXXX b.k. with my spouse. My primary home loan and house was with XXXX XXXX XXXX. From XX/XX/XXXXforward XXXX did not report any activity on my account. In XX/XX/XXXX XXXX sold my mortgage to another lender. When that happened I was getting flashes from XXXX XXXX, XXXX XXXX, and other credit agencies that I had a fresh new bankruptcy. The only b.k. I had was inXX/XX/XXXX. I went into the branch of XXXX here in XXXX. The manager had me talk with the mortgage department via telephone. The person on the other end stated they marked my account twice. Once as closing it. Once as stating it was part of a bankruptcy. XXXX refused to change their two remarks regarding the sale of the mortgage. I complained to Trans Union via a letter and never heard back from them. It has been close to 60 days since that written complaint. It seems as though assets and accounts in bk are to be reported once. As part of the bk. Not as a fresh bk which drove my credit score down by over 30 points on Trans Union. It is false information which no one will take responsibility for. I would appreciate any help you can provide. 
Thanks, XXXX
Consumer complaint received 2017-07-01
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. (NC)

I contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit report.
Consumer complaint received 2020-04-29
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: HCFS Healthcare Financial Services of TeamHealth (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2017-06-29
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. (GA)

Equifax improperly re-inserted an account into my credit file without notifying me. I had disputed an account with XXXX XXXX XXXX 11 months ago and Equifax removed this account from my credit file, but then about 6 months ago they improperly reinserted the account without the notification required by law. I have since then attempted to get this improperly reinserted account removed from my credit file, but they have refused to do so. The account number is XXXX Balance {$3300.00}. This is not my account and I have provided Equifax with a police report, Identity Theft Affidavit, driver 's license, and my social security as I was supposed to do, and they have refused to act. It is a violation of the FCRA that they reinserted this fraudulent account into my credit report. I did not open this account and this account in no way belongs to me. <P/>Equifax also has my credit file mixed with ( 2 ) other peoples credit report and they have been made aware of this multiple times, however they refuse to separate the 3 files, I have many accounts on my credit file that do not belong to me. I have been able to determine that the accounts that Equifax has on my credit file belong to XXXX XXXX, and another individual named XXXX XXXX. Equifax has refused to resolve this matter. <P/>The following accounts do not belong to me and are not even under my social security number they are under a totally different persons, yet Equifax continues to report these accounts as belonging to me, and these accounts are as follows : XXXX XXXX XXXX Account Number XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX not mine not my social security number XXXX XXXX  XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX Not mine not under my social security number XXXX XXXX XXXX XXXX XXXX XXXX fraudulent account that was improperly reinserted after Equifax deleted. <P/><P/><P/>Fraudulent Inquires or Belong to someone else XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX  XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XXXX XX/XX/XXXX ( Not mine fraudulent )
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi To whom it may concern I gave my debit card to my mom to deposit XXXX dollars into my checking account of capital one 360 bank She deposit XXXX dollars first and got the receipt Then she insert XXXX dollars into atm and atm took money inside and didnt count or gave any receipts or didnt show any error. 
I called the bank to file a claim And next day i went back to bank branch and it was temporary closed due to covid19 It is still closed at of it now after 40 days. 
They returned XXXX temporary but took it back saying there is no record of you depositing Money into atm and you dont have any receipts to substantiate your claim I dont know what to do as the bank saying our investigation is closed and we cant open the investigation again There are cameras inside the bank and the first receipt of deposit.
Consumer complaint received 2020-04-29
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$5900.00} XXXX/XXXX   XXXX {$840.00} XXXX XXXX XXXXXXXX XXXX {$570.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXXXXXX {$130.00} XXXX XXXX   XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX/XXXX/XXXX   XXXX {$440.00} XXXX XXXX  XXXX {$570.00} XXXX/XXXX  XXXX {$40000.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX   XXXX {$410.00} XXXX  XXXX {$5500.00}
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I needed a credit report for when I changed apartments. I use TransUnion for this, but I only needed a single credit report. 

Three years later, after reviewing my latest credit card statement, I find out I have been charged {$19.00} a month since XX/XX/2017. I do not remember agreeing to pay for monthly reports, and there is no way I willingly and knowlingly signed up for this service. Plus, I have found many other complaints online about these predatory business practices, and that TransUnion was fined recently for such practices : The recommendations I found were to report directly to CFPB. 

The reason I have not been as diligent about checking my financing is that I started an intense XXXX XXXX XXXX around the same time. I am extremely busy and have limited capacity. Even more so, I cant afford these unwanted charges for an unwanted service. 

I have logged into my account and can not figure out how to terminate this service. I want it to stop immediately.