davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the Equifax data breach.

Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with Equifax, the fraudulent account remains on my credit report. Equifax has been negligent in removing or updating this account, causing significant distress and potential financial harm to me.

Fraudulent Auto Account : Following the breach, a fraudulent auto account was opened in my name. I did not authorize this account, and it is a clear case of identity theft resulting from the Equifax data breach.

Negligence in Addressing the Issue : Despite multiple attempts to resolve this issue with Equifax, the fraudulent account remains on my credit report. Equifax has been negligent in removing or updating this account, causing significant distress and financial harm to me.

The presence of this fraudulent account has negatively impacted my credit score.

I have spent considerable time and resources attempting to resolve this issue without success.

The ongoing presence of this account poses a risk to my financial stability and future creditworthiness.
Consumer complaint received 2018-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (KY)

I have a mortgage loan with Pacific Union Financial LLC. This was a VA loan that I closed on in XX/XX/XXXX. I called XXXX XXXX customer service that following year in XX/XX/XXXX to ask them to increase my escrow amount given that the first years taxes were on my land value only and did not include my improvements ( my property ). I had an estimated bill from my county that showed the new escrow amount but they would not allow the increase. I then asked if I could send them extra funds so that there would be a sufficietn amount in escrow to pay taxes at which time they stated that any extra money would be applied to principal only. Given this outcome, I was forced to wait until XXXX XXXX paid my taxes at which time my account is now in the negative {$3000.00}. 

On XX/XX/XXXX I recieved an escrow analysis detailing this event and was given two options : 1. Do nothing and my mortgage increases to {$2700.00} from {$1900.00} and 2. Pay {$5500.00} and my mortgage payment increases to {$2300.00}. The problem with either scenario is that XXXX XXXX is requesting I overfund my account by over {$2500.00} dollars ; money in which they will have to return to me within 30 days according to 12 CFR 1024.17 ( f ). I called XXXX XXXX on two occasions to ask for a reanalysis and on my second call I spoke with a supervisor XXXX ID # XXXX. XXXX informed me that she understood the law but stated that it is XXXX XXXX 's proceedures to have a " cushion. '' I again explained that it is against the law for them to keep a surplus amount above the amount for my taxes and insurance needs and need the mortgage amount changed. XXXX explained that this could not happen. I then asked XXXX what would happen if I paid the {$3000.00} decficit then paid {$2300.00} and she stated that would be a partial payment and my account would be in default. Please note, my principal and interest payment is only {$1800.00} a month.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

I believe the confusion started when Chase took over Washington Mutual. After that switch I was never informed about my old account. I just started recieving letters from Chase from what I can remember. I was confused because I was n't aware about the switch so i did n't think to pay Chase anything. On Thursday, XX/XX/XXXX, the United States Office of Thrift Supervision ( OTS ) seized XXXX XXXX XXXX from XXXX XXXX , XXXX. and placed it into receivership with the Federal Deposit Insurance Corporation ( FDIC ).  The OTS took the action due to the withdrawal of {$16.00} billion in deposits during a 9-day bank run ( amounting to 9 % of the deposits it had held on XX/XX/XXXX ). The FDIC sold the banking subsidiaries ( minus unsecured debt and equity claims ) to JPMorgan Chase for {$1.00} billion, which JPMorgan Chase had been planning to acquire as part of a confidential plan internally nicknamed Project West. All XXXX branches were rebranded as Chase branches by the end of XX/XX/XXXX. The holding company, XXXX XXXX , XXXX., was left with {$33.00} billion in assets, and {$8.00} billion debt, after being stripped of its banking subsidiary by the FDIC.The next day, XX/XX/XXXX, XXXX XXXX , XXXX. filed for Chapter XXXX voluntary bankruptcy in Delaware, where it was incorporated.
Consumer complaint received 2018-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I am disputing a charge of {$4800.00} dated XX/XX/2017 on my Citi XXXX XXXX XXXX and to complain that on two separate occasions Citi representatives blatantly lied to me. On XX/XX/2017 my daughter, who is a cardholder on the account, was called by an individual claiming to be from the IRS. In what we found out later to be a scam, he instructed her to pay the IRS {$4800.00} in XXXX XXXX gift cards. He told her not to speak to anybody at all about this or she would be arrested immediately. My daughter went as directed to the XXXX XXXX in XXXX, NY and charged that amount on our XXXX. Citi texted me a fraud alert and shortly afterwards my daughter texted me begging me to approve the charge. She is a very responsible and intelligent adult who fell into the trap of a professional scammer. I did authorize the charge because I did not have the slightest knowledge that this was a scam at the time. She was later directed to go to XXXX, where the store personnel helped my daughter conclude that this was a scam and she promptly called and provided me with all the details described above. It was then that she disclosed that just minutes before using the Citi card she was ordered by the scam artist to purchase other gift cards and she maxed out her own personal XXXX XXXX XXXX to do so. 

Once I was given this background information, I immediately contacted Citi customer service. I spoke with a gentleman whose name I believe was XXXX, and he advised me to cancel the current card and get a new one. He said this was the safest way to ensure that the charge was unconditionally removed from our account. This was a total lie because Citi later held me responsible for paying the {$4800.00}. A few days later, after we received our replacement cards, my wife called Citi customer service to confirm that the charge had been erased and she was told not to worry and that we would not be responsible for the charge. That was the second total lie that Citi told me. Citi reviewed the phone conversations and completely agreed with my account of the conversations with the 2 representatives. 

I sent a letter to Citi 's Office of the President and they denied my claim to have the {$4800.00} charge removed from my account. The lies from Citi representatives are indicative of deplorable customer service and I am contacting the CFPB in the hope that this can be resolved. Hopefully this will also serve as a warning to other clients and potential customers that Citi does not keep its word and honor their commitments, even for this account that has been paid off in full consistently over forty years.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Upgrade, Inc. (NY)

I am filing this complaint against XXXX, XXXX a debt collector from XXXX. I had a payment due in XX/XX/2024 in the amount of {$1500.00}. I did not have sufficient fund to cover the amount. I called XXXX XXXX on XX/XX/XXXX to inform him that the payment can be processed that the fund was available. XXXX XXXX informed me since the fund was not available on XX/XX/XXXX the agreement was cancelled. I explained to him that the monthly payment was too high that I would to have a lower payment plan. I explained to him that I already make a payment of {$3500.00} towards the account and he said those payments are void that I will star all over with repayment. I explained to him his conduct was in violation of the fair credit act and he threatened to sue me and have my wages garnish. I asking the agency 's help in this matter as I feel my rights have been violated.
Consumer complaint received 2018-01-04
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: Santander Consumer USA Holdings Inc. (NV)

Went to XXXX Dealership inquire on car to test drive.  However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I would n't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from. I did n't authorize any of those lenders to pull my credit. Not sure how they got my information. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Since 2001 our mortgage provider has been XXXX. A few months ago -- without our say-so -- we were informed Shellpoint was our new provider. 

XXXX has paid our homeowner 's policy to XXXX XXXX via our escrow account. 

XXXX XXXX XXXX is our main house. XXXX and XXXX XXXX XXXX are two cottages. We also have a barn. XXXX has paid out these policies to XXXX XXXX. 

Shellpoint is not paying XXXX XXXX for XXXX and XXXX XXXX XXXX, nor the barn. They have no understanding that these are two cottages ; they are entirely unaware that XXXX and XXXX XXXX have covered these for over a decade. 

Our address, XXXX XXXX XXXX, was changed a good decade ago from XXXX XXXX XXXX XXXX. Shellpoint also seems unable to understand this, although the name change is longstanding. 

I have called over and over again, to no avail. 

XXXX XXXX has sent over a complete file -- I called to check to see if Shellpoint had processed this, but was unable to reach anyone. 

Shell point needs to pay XXXX XXXX ASAP.
Consumer complaint received 2018-01-04
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: CORELOGIC INC (GA)

I checked my credit score and found 5 hard inquiries (from XX/XX/XXXX to XX/XX/XXXX) from Credco (below) on my Credit Report.  I never authorized this company to check my credit.  I refinanced my two houses with XXXX which could account for the 1 hard inquiry on XX/XX/XXXX with XXXX. Inquiry detailsCredcoInquiry from XX/XX/XXXXXXXX CredcoInquiry from XX/XX/XXXXMisc.CredcoInquiry from XX/XX/XXXXMisc.Institution InformationCredcoXXXX XXXX, CAXXXX(XXXX) XXXX-XXXXCredcoInquiry from XX/XX/XXXXMisc.XXXXInquiry from XX/XX/XXXXReal Estate/Public Accommodations
Consumer complaint received 2018-01-04
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. (LA)

I have been having lots of issues with EQUIFAX. First off they moved my file to the office of consumer affairs and blocked my online access to my credit report!!! I am a paying member of there credit watch SVC. They contiune to charge me even though i can not use it. I have called and sent in documents asking this to be cancelled and me not contiune to be billed. They are still chargeing me 3 months later!!! Call center overseas dose not seem to address this issue at all. Equifax needs to stop charging me and refund me for the past 3 months that they charged me for something i could not use!!!!
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MN)

XXXX XXXX Date : XXXX XXXX, XXXX, Source XXXX  & XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date : XXXX XXXX, XXXX, Balance {$2400.00} XXXX XXXX XXXX I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called TransUnion and asked them about some hard inquires that are not mine and why was it on my report. The representative just gave me the typical response of " the information you see is correct and yours kind of thing ''. 

The information ( inquires ) that is wrong is : XXXX and XXXX XXXX.
Consumer complaint received 2018-01-04
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. (TX)

All three credit bureaus ( XXXX, XXXX, and TRANS UNION ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ XXXX Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

-XX/XX/XXXX - I transferred {$10000.00} USD from XXXX account to my XXXX XXXX account that had been verified by Coinbase/XXXX. The website claimed this would take one business day, as it had for me in the past. 

-XX/XX/XXXX - I transferred another {$10000.00} USD from XXXX to the same bank account. 

- XX/XX/XXXX - I received one of the transfers. 

- As of today, XX/XX/XXXX, I am still waiting on the second {$10000.00} transfer. less the {$25.00} transfer fee. 

-Support has been essentially non-existent. I have sent 8 emails, 3 of which have been answered with canned responses, all with the same generic message : " We are looking into it ''
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

In XXXX 2017 I applied online for the XXXX XXXX XXXX XXXX  and was approved along with a 7 month 0%APR. I was careful not to mark any boxes for things I did not want to participate in. I received the card end of XX/XX/XXXX which I filed and not charged. I received my renewal membership from XXXX that is due for XX/XX/XXXX. I decided that I will renew online but was not able to. It turns out that the XXXX XXXX XXXX credit card was charged for the renewal (which if I did not login to try to pay renewal I would have never knew I owed that XXXX since I never charged on it).I contact XXXX Live Chat as I was having to wait 55 mins for phone support, the only response I received is that I signed up for auto renewal. I went thru everything and did not see a box to opt in or out for auto renewal. After an hour I received an phone call from XXXX  customer service which the person named XXXX said that XXXX  charges that XXXX automatically  and the only way to opt out of that is to call us and ask us to remove the credit card. I asked for him to remove this and can I receive confirmation of this which he told me he can not provide anything but will make a note on the account...To me this feels deceptive that when I signed up I was not given the option to opt in or out for auto renewal. Instead Citi Bank and XXXX  took it upon themselves to force my XXXX XXXX to be charged without me having any knowledge including not even sending me an alert or email that this is scheduled to be deducted. I never experienced this with any other credit card and hope a review on these practices by XXXX and Citi is conducted.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I called SW Credit Systems LP regarding this dept from XX/XX/XXXX. The representative for SW Credit Systems explained this debt was generated in XX/XX/XXXX - then passed along to them. Therefore, this was placed in collections by XXXX in XX/XX/XXXX - 2 years and 7 months later. 

I had no idea this debt was lingering for this amount. Therefore, XXXX DID NOT alert me to this - then I moved/divorced my husband so no other notice was forwarded. The equipment was returned promptly as when he began his service.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

To Whom It May Concern, On XX/XX/XXXX, JP Morgan Chase failed to pay the homeowners insurance through XXXX XXXX XXXX XXXX even though there were funds in escrow available. I had informed Chase of this on XX/XX/XXXX when I received a notice. I was assured this would be taken care of and it was not. 
When Hurricane Florence was forecasted to hit the NC coast, I called XXXX XXXX in early XXXX of XXXX to see what I needed to do and was told Chase had yet to pay the premium and the only coverage I had was my wind and hail policy. A few days later Chase, XXXX XXXX and I were on a three-way call to determine what if anything could be done. XXXX XXXX notified Chase that no policy would be reinstated until Florence was no longer a named storm. Chase told me on the phone call that they would not leave me hanging. 
The damages exceeded XXXX and I was paid XXXX through my wind and hail policy. I decided to tear off the roof myself at XXXX XXXX XXXX. Two-thirds of the way of the roof repair in XXXX of XXXX, I XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. I had XXXX in XXXX of XXXX. Prior to the XXXX date, I consulted a mold remediation service in XXXX, NC because I found mold. There is no final estimate of the cost since I will have to move out of the residence while the extent of the damage is determined. 
I called Chase to see what they were going to do to help. I filed some paperwork and was denied any assistance. When I followed up and told Chase I was considering legal action, a week later I was informed our mortgage was sold to XXXX XXXX XXXX in Indiana. 
I want JP Morgan Chase to compensate me for the loss of the insurance coverage, the uncovered repairs, the remaining balance of my medical bills and for the mold damage yet to be determined. They did not live up to the responsibility of keeping the homeowners insurance in force. Their actions of selling the mortgage after I informed them I was seeking legal counsel just illustrates their underhandedness and the level they would go to in order to avoid doing what is legally and ethically right.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

I refinanced my house on Monday, XX/XX/XXXX. I called BSI Financial Services on XX/XX/XXXX to make sure they didn't charge me my XXXX payment since they are no longer my lender. I waited on hold and they forced me to leave a voicemail. I gave my loan number, contact number, and explained I wanted to make sure I was not charged. They said they would return my call in a day. I called XXXX, XX/XX/XXXX and left another message with no return call. Yesterday, XX/XX/XXXX I emailed BSI on their portal and explained they were no longer my lender and I was revoking their access to my ACH checking account. Today, BSI Financial withdrew {$1000.00} from my checking account.
Consumer complaint received 2020-05-08
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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.