davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (CA)

According to Equifax my personal information may have been obtained by hackers that hacked Equifax 's servers and made off with millions of people 's personal information. I received confirmation that my information may be compromised by Equifax 's security site that offers a years worth of free security for people that may have been affected. Although on the surface this seems like a nice gesture, Equifax is actually taking advantage of this data breach in order to wash their hands of legal responsibility by getting victims of this hack to sign up for their " security service '' which binds the victim 's hands in a legal sense. Not only that, the heads of Equifax knew about this hack and took advantage by selling off their stock to protect themselves rather than face the consequences of this hack. Equifax is proving that they do not care about the countless people affected who did not request that their personal information be held by Equifax and have created a situation where their backs were saved while everyone affected has been left out in the cold.
Consumer complaint received 2018-06-10
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. (CA)

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

Account Name : credit collection serv Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} Account Type : Collection Account Name : XXXX   XXXX  XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : 11 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$280.00} Account Type : Collection Account Name : XXXX   XXXX Account Number:XXXX Date Open:XX/XX/XXXX Balance : {$630.00} Account Type : Collection Account Name : 11 XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$630.00} Account Type : Collection Account Name : 12 XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$590.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX XXXX XXXX {$590.00} Account Type : Collection Account Name : XXXX XXXX card Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$120.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$130.00} Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$340.00} Account Type : collection Account Name : XXXX XXXX XXXX XXXX   Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2300.00} Account Type : education/installment account Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance : {$4900.00}, {$6100.00}, {$5000.00} Account Type : education/installment account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Account Type : education/installment account Below are companies who put fraudulent and unauthorized inquires on my credit report. 

XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX us, XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (AZ)

Greetings, I have had a Wells Fargo credit card since XX/XX/XXXX. I have never missed a payment. When I opened this account my interest was a little less than 15 %. Now it is 19.8 %!!!! 

I just found this out because my interest charge keeps going up even though I am paying the principle down and started making inquiries. 

During my last couple years in college, I did escalate the principle. In XX/XX/XXXX, I went to the XXXX, Colorado Wells Fargo bank seeking to refinance. I was told then that my interests rate on the card was around 15 %. Based on this I decided not to refinance. However, in my recent conversation with a Wells Fargo executive, they said my interest rates have always been nearly 20 % since XX/XX/XXXX!!!!! They claimed the bank in XXXX, must have looked a wrong information. That does not pass the smell test. I have no idea how long I have been being ripped off by Wells Fargo. 

I make two payments even month when I get paid, so I am always two weeks ahead of the due date, which is at the endow the month. However, their computer and data entry is not keeping up with my payment history, often showing I owe a payment even though I have already met my monthly obligation well in advance. 

Also, I used the card back in XX/XX/XXXX for {$700.00} for tires, but turned around and paid {$800.00} to the card, seven days later, but was still charged interest on the tires! 

I believe I have been outrageously overcharged in interest fees and how they are accruing my monthly averages. 

Please help. I am a working person - 7 days a week. I don't have money for an attorney.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (CA)

Product Debt collection Sub-product : Credit card/ consumer reporting/collection Issue : Attempts to collect debt not owed/ incorrect consumer reporting/ no knowledge of consumers Sub-issue : Victim of Identity theft I recently requested my annual credit report from the three credit bureaus and my credit reports have inaccurate collections, consumers reporting, and credit cards reporting all the information that will cause damages to my file. I am in the process of looking into buying our first home and my credit score is affected by the consumer 's reporting. Lenders won't approve my application. As we reviewed the report there were consumers reporting with incorrect information, debt collections, fraud and credit cards accounts I have no awareness of this accounts, I am a victim of ID theft and would like further investigation under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy information in the files of consumer reporting agencies.
Consumer complaint received 2018-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MO)

Tried to deposit checks with cash back. Paychecks were to my roommate. He endorsed them over to me. Manager XXXX would not allow us to deposit, even though we were both present with ids. Been depositing these check for two years and he claims the bank doesnt allow checks to be endorsed to others. Extremely rude.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/XXXX, XXXX revealed 143 million accounts with personal info had been hacked. They mishandled my information, which puts me and millions of other people at risk. On XX/XX/XXXX, I was listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I can not enroll for ID protection until XX/XX/XXXX, which is unacceptably late. I had to apply a fraud alert on all my credit reports. 

It is also scummy that enrolling on this equifaxsecurity2017.com removes me from any arbitration proceedings.
Consumer complaint received 2018-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

XX/XX/XXXX - I spoke to customer service and requested a manager. I was told that Freedom Mortgage had a problem with their mail system in XX/XX/XXXX where payments were going to another company. My problem was in XX/XX/XXXX where my payment was not received by Freedom Mortgage and on XX/XX/XXXX, I received a letter from Freedom Mortgage that they received my  original cashier 's check for my XXXX payment payment marked RETURNED-STOPPED PAYMENT. 

I emailed a letter to Freedom Mortgage on XX/XX/XXXX, with documentation of all payments sent ( copies of cashier 's checks purchased ) and correspondence received from Freedom Mortgage from XXXX - XX/XX/XXXX 

I received a response from XXXX Mortgage on XX/XX/XXXX stating " After reviewing your account, our research determines we are unable to honor your request to update credit reporting. The delinquency for XX/XX/XXXX is  accurate as reported. 

I purchase a cashier 's check every month around the XXXX or the month and mail my cashier 's check to Freedom Mortgage. This has worked well every month until XX/XX/XXXX. I have been informed of a mailing error from Freedom Mortgage in XXXX that payments have been received by another company. I think this mailing error started earlier than XX/XX/XXXX, because my XX/XX/XXXX payment didn't show up at Freedom Mortgage until XX/XX/XXXX. 

I have documentation to support everything I'm saying. I hope you can look into this matter and Freedom Mortgage will remove my XX/XX/XXXX late mark on my credit file. I'm looking to purchase another home and this error on Freedom Mortgages part is costing me more money for my new loan because my credit dropped from XXXX to XXXX. My mortgage lender is telling me that because of the lower credit score I am paying {$2500.00} more in points to get the same interest rate.
Consumer complaint received 2018-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (NY)

On XX/XX/XXXX at approx XXXX XXXX I cancelled a transaction of {$400.00} that I had entered on Google Payments. I received a confirmation of the cancellation. I relied upon the information and used the funds to make other payments. The following day they debited my bank account the {$400.00}. They have been telling me since then and are now telling me that it will be 710 days to return the funds that they should not have taken. Their support center has done nothing to correct the error. The just repeat the information on their website or cut and paste it into an email. I think that it is either inconvenient to have people Available to correct their errors. The claim that it is impossible to fix. Certainly there is a person capable of correcting this but they cant or wont relay the information. As they are not regulated like a bank they seem to believe that they dont have obligations. This is costing me hundreds of dollars in fees and loss of reputation. Their representitive offered me a {$5.00} courtesy credit. I need the {$400.00} back and will address the fees later. Thank you.
Consumer complaint received 2018-07-24
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: Concord Servicing Corporation (PA)

I have sent a letter from myself and my wife asking them for a copy of the contract and our signature as required by FCRA and they have not responded to our letter. 

It is a legal matter that they are not complying to. 

I will attach the letter and certified confirmation that the letter was received.
Consumer complaint received 2018-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

Purchased tickets through a private sale. Tickets were transferred to me via XXXX, I paid for them through XXXX. Once tickets were paid for the seller voided the tickets and disappeared. 
Seller info is XXXX XXXX email : XXXX phone number XXXX Transactions through wells fargo. I called them within two hours of these transactions, I had paid for one ticket at a time. They claim that it is not secure and you shouldn't use it unless you are family or friends with the person you are sending money to, even though on their very own website they claim it is secure. 

I feel wells fargo is being fradulent in that they refuse to refund me the funds back. 

I have all of the emails from XXXX and wells fargo regarding the transactions and can forward them to the necessary individuals.
Consumer complaint received 2018-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (KS)

I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX  and that should and would be the only place I would have on my credit.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I am trying to refinance a auto loan and I am being told by lender that I have delinquencies that will not allow me to refinance. I am having trouble finding what they are as my reports states I have no issues with collections. Please advise. 
Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

XXXX I changed insurance, sent new information with a paid in full recpt, the company sent a duplicate payment to insurance, for {$3500.00} and reduced my escrow account. They were supposed to put a stop pay on the check and issue refund to me, I still do not have a refund, and the insurance company will not release funds, since there was a stop payment put on the account. now I am short on my escrow acct and my payment is increasing! Ive been on hold, talked to many managers and customer service people, and this is still NOT resolved. I have been on the phone now and disconnected 6 times, over 2 hours trying to get escrow and customer service to help. at one point the last lady sd ; there is no insurance or escrow dept ;. NOT good. Still looking for resolution. 
i have been calm, no yelling, and need resolution. terrible automated transfers and inexperienced service people. I need my {$3500.00} refunded to my escrow account.
Consumer complaint received 2018-06-11
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. (VA)

I HAD A CREDIT CARD WITH XXXX XXXX XXXXXXXX XXXX BACK IN XX/XX/XXXX. THE PROBLEM I AM HAVING IS THE DATE OF DELINQUENT DATE THEY HAVE RE AGE THIS DATE SO THIS ACCOUNT CAN STAY ON MY CREDIT REPORT LONGER THEN IT SHOULD. THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT BUT IT STILL SHOWING ON THERE. I HAVE A COPY OF MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX WHICH EACH MONTH ACCORDING TO XXXX XXXX XXXX THEY HAVE REPORTED MY CREDIT CARD ACCOUNT EACH MONTH TO THE CREDIT BUREAU. ON THIS REPORT IT SHOWS AS FOLLOW XX/XX/XXXX I WAS 30 DAY LATE ON MY MY CREDIT CARD PAYMENT AND ALSO I WAS BEHIND ON MY CREDIT CARD ACCOUNT AND I WAS NOT CURRENT SO THAT MONTH WOULD SHOW THAT DATE IS MY DELINQUENT DATE. SECOND ON THAT SAME REPORT IT SHOWS THE ACCOUNT WAS CLOSED IN XX/XX/XXXX AND XX/XX/XXXX THEN ON THAT SAME REPORT IT SHOWS 30 DAYS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE FOR THE MONTH XX/XX/XXXX, 30 DAYS LATE FOR THE MONTH XX/XX/XXXX 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX LATE FOR THE MONTH AGAIN WITH NO PAYMENTS FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND THE ACCOUNT WAS CLOSED AGAIN XX/XX/XXXX.. ON EXPERIAN CREDIT REPORT FOR XX/XX/XXXX XX/XX/XXXX ON EXPERIAN CREDIT REPORT XX/XX/XXXX AND XX/XX/XXXX. I ALSO INCLUDED A COPY OF A LETTER THAT WAS SENT FROM XXXX XXXX XXXX XXXX  XXXX THAT DIS INVESTIGATION ON MY COMPLAIN AND THEY CONTACT XXXX XXXX XXXX XXXX AND IT STATED AS FOLLOW TEH ACCOUNT WAS SUSPENDED FOR USE BECAUSE I WAS GREATER THEN 90 DAYS LATE DELINQUENT AS SHOWN ON MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX. THE DELINQUENT DATE THAT SHOWS XX/XX/XXXX AND 7 YEARS FROM XX/XX/XXXX FOR THE MONTH OF XX/XX/XXXX IS XX/XX/XXXX WHEN THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT. THIS CREDITOR HAS RE AGE THIS ACCOUNT AS SHOWING THAT THE DELINQUENT DATE ON MY CREDIT REPORT IS XX/XX/XXXX, BUT GOING BACK TO THE LETTER THAT SHOWS THAT THE ACCOUNT WAS CLOSED XX/XX/XXXX BY XXXX XXXX BUT IT SHOWS ON THIS LETTER THAT THE ACCOUNT WAS CLOSED PERMANENTLY ON XX/XX/XXXX. SO AT THAT TIME THIS ACCOUNT WAS ALREADY BEHIND WITH A BALANCE AND IT WAS NOT CURRENT. I HAVE INCLUDED MY STATEMENT FROM XXXX XXXX XXXX XXXX THAT SHOWS STARTING ON MY CREDIT CARD STATEMENT DATED XX/XX/XXXX IT STATES AS FOLLOW TOTAL MINIMUM DUE IS XXXX SECOND YOUR ACCOUNT REMAINS XXXX PAST DUE AND YOUR ACCOUNT IS CLOSED
Consumer complaint received 2018-06-09
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. (NY)

After struggling and getting sick not only has XXXX used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My equifax still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is equifax willing to help with getting my score back. Please help. Thank you
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CA)

Equifax had a security breach back in XX/XX/XXXX in which 160 million people 's personal information, ranging from addresses, drivers licenses, and social security numbers, was stolen. They did nothing to notify those people until XX/XX/XXXX. According to their own website it is likely that my information was stolen.
The only fix Equifax has offered is a year 's worth of identity protection if I waive my rights to sue them in court. Their service means nothing to me when they ca n't protect their own data why would I trust them to protect it now?
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

I was shocked when I reviewed my credit report and found two late payments being reported. As a XXXX XXXX with XXXX XXXX XXXX, I was relocated by the company to the XXXX XXXX XXXX XXXX for one year. As part of this agreement the company purchased two cars on my behalf but the company assumed full responsibility for making payments on the associated car loans through TDAF. For insurance purposes, I was required to take the car loan out in my name. However, the company paid the bill each month as part of my compensation and they took full responsibility for these payments being made on time. 
when the loan was first set up in XXXX, XXXX XXXX XXXX set up auto pay but due to an error the account was not debited in XX/XX/XXXX. Then after all that we successfully set up auto pay and everything worked smoothly until XX/XX/XXXX when the car was sold and the payoff was received by TDAF, Unbeknownst to XXXX, TDAF noted a small balance on the account due to an administrative fee and never notified us until there was subsequent bill that came in the mail after the fact. We were shocked yet again to see that another late payment was reported for XX/XX/XXXX. 
As you can see, I have a perfect credit history except for these two items on this same tradeline. I am very upset with TDAF, I have highly disputed these two late payments. Its causing me and my family extreme stress, due to the fact that credit is so important and effects every aspect of my life. TD AUTO FINANCE ACCT. # XXXX
Consumer complaint received 2018-06-08
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)

I have silver thing that is reporting on my credit file these items are not mine as I have tried to resolve this matter with the credit bureau I have collection agencies I should have no collection and reporting I have a apartment complex I have never lived in apartment I always lived at home with my parents I shouldnt have anything on my parade airport I would like all these items removed from my credit report and my credit file updated I have a credit card bill this on air this over {$1000.00} Ive never owned a credit card
Consumer complaint received 2018-06-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/XXXX, I applied for a VA Home Loan mortgage with Wells Fargo Bank. Over about a two week period, I submitted numerous documents to Wells Fargo via their LoanTracker system and satisfied all requests for documents and verification information. I have called and emailed the relevant Wells Fargo agents and am constantly informed that the underwriter 's are still considering my mortgage application. My last call was two weeks ago as of XX/XX/XXXX and I have still received no email correspondence, no decision by mail or fax, and no email correspondence. I believe that there may be unfair or discriminatory loan practices involved with my Wells Fargo mortgage application. To clarify -- I applied for the mortgage on XX/XX/XXXX and as of XX/XX/XXXX no decision or any other correspondence regarding my application has been received. Wells Fargo appears to be unfairly delaying my mortgage application, which I believe may be  discrimination and a violation of my rights.