davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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. (MI)

I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX  notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. Equifax and XXXX  have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of Equifax, XXXX  and Credit XXXX  are all flawed and are not setup in a way to be accurate and fair to its consumers.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX I requested from XXXX a copy of my XX/XX/XXXX homeowners ins policy which i purchased they are less than cooperative, so i had to request it from you, Chase Your corporate office called me repeatedly, this is a do not call request, although you have one on file already. " Do Not Call '' Any information should be in writing. 
Let me know who has possession of my original or copies of mortgage documents from XXXX to present. You, Chase, or XXXX. 
I am requesting from you a copy of the XX/XX/XXXX homeowners policy i purchased if you do not have copies or you relinquish your responsibility to supply documents please put that in writing. 
In addition, tell me how many property inspection fees did you charge when you were in control of the mortgage XXXX through XX/XX/XXXX Send any documentation that implies XXXX is two separate properties, include any documentation you have indicating two separate policies for XXXX and XXXX XXXX XXXX XXXX if you have none state so.
Consumer complaint received 2019-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

Chase has not responded to the suspicious activity I found on cards opened and closed in my name as per my XX/XX/XXXX credit report. The XXXX card opened in XXXX used an email address of XXXX and an address XXXX XXXX XXXX XXXX CT that was not mine or one I lived at. XXXX XXXX owns that email and used this card to embezzle funds from Chase to himself possibly posing as the merchant vendor. Please review the XXXX transactions on this card from the date it was opened in XXXX until I found it in XXXX and knew nothing about it. You are being scammed and sending money to a person and not to XXXX. Please review the transactions from XXXX to XXXX.
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. (GA)

I am asking for your help to correct the inaccurate details reported on my credit report. This issue has severely damaged my reputation, and I need your intervention. Your mishandling of the report has left me in a precarious situation, and the misleading information has hurt my reputation. I urge you to remove these errors so I can rebuild my life with my family.
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (CA)

Penn Credit Corp is a debt collector for XXXX XXXX XXXX in MA. I believe my stepsister ( XXXX XXXX ) stole my identity ... she lives in MA and had access to my personal information growing up. We are NOT related by blood or marriage ; however, my mother and her father lived together. I have never lived in MA. I was born and raised in CA and have owned a home in SD for over 15 years. I am a XXXX and earn $ XXXX per year ... I am able to pay my electric bill. 

the bill from XXXX is for the amount of {$770.00}. Service date is XX/XX/2018 I went through their Identity Theft process and at the end my claim was rejected because they said XXXX is a relative. As stated, that is not the case as our parents never married. 

XXXX Account number is XXXX for the address : XXXX XXXX XXXX ID Number for PennCredit Corp is # XXXX / Tel : XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as update the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: INVESTORS BANK (NY)

Re : _ Investors Bank Ac # XXXX Passbook Ac # XXXX Statement Sav. 

The purpose of this complaint is to obtain funds that were withdrawn from my account due to inactivity. 

As i explained to their customer service I never received any documentation that the accounts became inactive, nor did I receive any notification or actual statements that statements were available. This pertains to actual mailings nor electronically. 

Customer service was able to credit {$45.00} to the passbook account, which is a rental account, bringing it to full compliance with the credit. Bare in mind that these funds do not belong to me and that I can not make any transactions in it. 


The actions to be taken for refunding the fees in the Passbook account, I was told, falls to the branch manager. After numerous attempts I was able to contact the branch. Speaking to XXXX XXXX XXXX ( XXXX ), over the phone, i was informed that he was going to explain the situation to the branch manager XXXX XXXX XXXX and get back to me. Upon his return call the conclusion was a flat out no refund will be given. 

Pursuing this matter, I learned that I could not log on to my account. Which entailed additional contacts with customer service to unblock the account which was blocked due to inactivity. 

The statement account was charged a monthly fee of {$5.00} from XX/XX/XXXX to XX/XX/XXXX ( I learned of this upon my inquiry late XX/XX/XXXX due to no communications from the bank ). The fees totaled {$70.00} approx. 10 % of the current balance.
Consumer complaint received 2018-01-03
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: WELLS FARGO & COMPANY (LA)

I have several inquiries that are appearing on my report that are not mine. Wells Fargo # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.
Consumer complaint received 2019-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC (CA)

I received an alert from XXXX XXXX on XX/XX/2019 at XXXX XXXX stating that my Lendup account is delinquent. I was shocked to say the least because I checked this account a few weeks ago, and it stated my next payment due date is XX/XX/2019. Today is only XX/XX/2019, so no payment is due as of yet, but it's reflecting as delinquent, although I made two payments last month on XX/XX/2019 I made a payment of {$190.00} and XX/XX/19 {$97.00}. And from then on, my next payment due date always reflected XX/XX/2019, so why is my account status being reported to the credit bureaus as delinquent? Please fix this and update my account to current with the credit bureaus.
Consumer complaint received 2018-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

On XXXX/XXXX/XXXX, I had to replace my XXXX due to hardware issues. I did not think to disable my two-factor authentication. So I was locked out of Coinbase as well  as many other accounts. All the other accounts I do business with were able to help me regain access within a couple of days. While the reason for my account lockout is not the fault of Coinbase, it is unreasonable that 30-days later I have not been able to regain access to my account. As of today, XXXX/XXXX/XXXX, I still do not have access to Coinbase likely due to a lack of staff to respond to consumer issues. 

Coinbase case number XXXX. Coinbase " escalated '' case number XXXX. 

XXXX/XXXX/XXXX, I attempted Coinbase online process to recover account using my photo ID. The recovery attempt failed. 
I emailed Coinbase and received 2 auto reply  messages including instructions on how to disable two factor authentication, which did not work. 
XXXX/XXXX/XXXX, I received another two auto reply emails. 
XXXX/XXXX/XXXX, I used their online process to send request to disable two factor authentication per their online instructions because they are not responding to emails due to volume. 
XXXX/XXXX/XXXX, I attempted their online process to regain access to my account, but the photo ID process failed again. 
XXXX/XXXX/XXXX, I attempted to call their call center and after waiting 57 minutes, I had to disconnect. 
XXXX/XXXX/XXXX, I attempted to call their call center and finally got through. They were unable to assist me, but they " escalated '' my case. The total length of time on hold and speaking with rep was 1 hr 7 minutes, with the majority of time on hold. 
XXXX/XXXX/XXXX, I received an automated email with the same procedure that does not work. 
XXXX/XXXX/XXXX, I received two additional automated messages ( which I 'd received previously ) offering  instructions, that have not worked. 
XXXX/XXXX/XXXX, I received yet another repeat automated email. 
XXXX/XXXX/XXXX, I called their call center and this time asked to speak with a supervisor. They were not able to assist me, but assure me that my case had been escalated and would be worked in the order in which it was received. Total time on the call both on hold and speaking was 1 hr 27 minutes, with majority of time on hold.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

I signed up with XXXX XXXX XXXX in 2016. I agreed to pay a certain amount and when they started debiting a entirely different amount. I sent emails to the representative that helped me sign up with no reply. I have made multiple calls to XXXX to try to resolve this with no success. This is well documented with XXXX. I was mislead and never given a reason why the premyamount changed.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Post moving out of apartment complex " XXXX XXXX '' on XX/XX/2016 owned by " XXXX XXXX '' i received an invoice due for charges obtained from cleaning or damages to the apartment. The charges where paid in full. XXXX still sent this debt to collections and i have left 5 voicemails and waited 5 times the time they promised i would hear back in. There is no way to get a hold of the company. i have also emailed them through there website as well as the manager and regional manager and still no response. 
This has now made it ( so far ) impossible to rent another place even with perfect rental history and verification. I would like this to be removed from my credit. It should have never even made it to collections.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

in XXXX after several high profile data breaches I decided to freeze my credit reports with all 3 major agencies. On attempting to place the freeze with Experian, after entering all information online, I received notice that they were unable to place the freeze " based on the information I entered. '' Now, in XX/XX/XXXX I am attempting to apply for a new credit card. I was denied and instructed to contact all three reporting agencies to find out why they were not supplying the needed information for the application. I tried calling Experian and it is impossible to speak to a human to resolve the issue. I did try the automated credit freeze lift, but could not do it without a PIN that they were supposed to have sent when I placed the freeze. Well, since the freeze was never actually, technically placed ... I never received a PIN. I did try the online PIN retrieval tool in case that worked, but all that happened was a message that they were unable to help me online. No online tools or automated phone tools apply to my situation, but it is impossible to reach a live human. I have tried all numbers that are published online, pressing 0, asking for an operator, everything. 

The only option I have is to send a paper letter. Which I will do ... however, I'm doubtful that will help at all since they seem to be confused about whether or not I actually have a credit freeze on.
Consumer complaint received 2019-10-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT   has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-01-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (KY)

About half of the U.S. population was impacted by the Equifax breach in 2017. Twice I 've contacted Equifax, and twice I 've been told my personal data MAY have been obtained by the hack as a result of this breach. That tells me nothing I did n't already know! 
I believe it is my consumer right to know for certain whether MY personal data was obtained by the hack. YES or NO?
Consumer complaint received 2018-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX I received notifications from the three major credit reporting agencies that Portfolio Recovery submitted two collection accounts to them. On that same day I called Portfolio Recovery and was told by a representative and supervisor XXXX XXXX that on XX/XX/XXXX letters were sent to XXXX XXXX XXXX and on XXXX XXXX they were returned as undiliverable. They stated on XX/XX/XXXX they sent another letter to XXXX XXXX XXXX, XXXX GA. Neither of the addresses that they sent letters to are mine. When I called there office after not receiving a letter and having the accounts placed on my report, upon calling the representative stated my correct address upon taking the call. However they failed to notify me at that address before placing the accounts on my report. They have violated the law.
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

On XXXX XXXX 2017 I received an offer from Citibank for an AAdvantage Platinum Select World MasterCard which included XXXX bonus AA miles for spending  {$4000.00} in the first 4 months. When I applied, I was given a different offer which required spending {$3000.00} in the first 3 months. When I called about this, the CSR told me I was eligible for the bonus miles on the card which was approved. Now I have met the spending requirements, and Citibank is refusing to make good on their offer.
Consumer complaint received 2018-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX my ATM card was stolen and several unauthorized withdraws were made. Upon reporting to Bank of America onXX/XX/XXXX and they said they would promptly investigate the issue. Instead the bank 's fraud team promptly denied the issue on XX/XX/XXXX. As of now XX/XX/XXXX I just received my fraud affidavit yesterday on XX/XX/XXXX Therefore hindering my and law enforcement 's investigation. I have been to the XXXX XXXX Sherriff 's Office XXXX XXXX XXXX Station on XXXX XXXX and spoke with Deputy. XXXX XXXX and Deputy XXXX XXXX of the XXXX XXXX on the dates of XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX. As of today I have not received any provisional credit nor has my fraud claim even been investigated by Bank of America. Now that they have provided me with the fraud affidavit I will file an official police report by no later than XX/XX/XXXX.  Also several online transfers were made using my personal information to fund these purchases and withdraws. Bank of America has repeatedly lied to me and force stopped my investigation and also has closed my account.
Consumer complaint received 2018-01-03
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Services called me at XXXX PST on XXXX XXXX, XXXX. I did not answer the call as it was too early but it did wake me up. I looked the number up on the internet as soon as I got to work to see who was calling and found that it was Portfolio Recovery Services, only with a different number this time. In this instant, they had called from a Virginia XXXX, VA number. They did not leave a voicemail. 

Another call from Portfolio Recovery Services happened at XXXX PST on XXXX XXXX, XXXX. This time, they had called from an XXXX, FL number. I did not answer the call since I did not recognize it and they did not leave a voicemail. Again, I looked the number up on the internet to see who had called.
Consumer complaint received 2019-08-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2017, I filed disputes with XXXX, Transunion and XXXX regarding an address on my credit reports belonging to someone who stole my identity, used my revolving credit account, made an illegal purchase, and had the item shipped to their address in Texas. Now that address shows up on my credit report. I disputed that address in XX/XX/2017, I was assured by all three companies that the issue was fixed but it was never fixed. I just logged on to my XXXX account and checked my credit report. The Texas address is still there. All of the credit reporting agencies made me jump through hoops to get a police report, a letter from XXXX ( the revolving credit company ) and complete pages and pages of applications and online forms. I don't have time to keep doing this and nothing getting accomplished. I have been denied credit and almost arrested for fraud because when I completed an in-store electronic application, it asked me several questions. One was, " Did you ever live at any of these addresses? '' There were four addresses listed, three were just phony addresses and one was the fraudulent address in Texas. So when I answered "  NO '' to all of the addresses, the customer service representative was advised my credit was declined and that I was trying to open a fraudulent account. I had to show my driver 's license, my military ID card, several credit cards and was embarrassed and outraged. These credit reporting agencies DID NOT do their jobs even though I cooperated and provided them everything they asked for. These credit reporting agencies should be ashamed of what they've done to me.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

I have an account on all my credit reports that it is paid and closed but 30 days late. I have been in contact with the company, Santander Consumer USA and they are stating that they can not remove the 30 days late. I do not understand how I am late in XXXX of 2014, when I got a new car on XXXX XXXX, 2014. I do not understand how I was late, when in the month they are stating I was 30 days late, I got a new car. If you look at my history that was my only " late payment ''.
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (FL)

Two months ago my personal checking account was overdrawn. In researching it I found out that XXXX XXXX over charged my mortgage payment by {$600.00} its causing such. I called XXXX XXXX XXXX to find out how it happened and advise them not to allow it again. Next month it happened again. Overdrawing my account. XXXX XXXX outsources the mortgage payment process to PHH. I tried to set up bill pay through XXXX XXXX XXXX for last months bill. XXXX XXXX XXXX rather than paying PHH mailed a certified check to my home. PHH collections are making calls to me and Im trying to make the correct payment. The reason for the additional XXXX is that my insurance did laps. Which I resolved immediately. My insurance agent sent proof. They also claim that I did not pay property tax. I called XXXX XXXX XXXX tax appraiser who advised me that the taxes were paid and sent me proof by mail of a receipt.No one at PHH or XXXX XXXX will give me an email to send in the proof of tax payment. The last two times Ive spoken with PHH, I was promised that they would call me back the next day with resolution. It never happened. Today, I was left on hold for 10 minutes and then hung up on. 
Any assistance and or guidance will be gratefully appreciated.