davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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. (FL)

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  that opened last XX/XX/XXXX. I also have these inquiries listed on my report XXXX  XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX  XXXX XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX with an inquiry date of XX/XX/XXXX.
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION (MS)

On XX/XX/2020 I emailed XXXX XXXX XXXX and his business XXXX XXXX a check in the amount of {$45000.00}. The funds were a loan issued in the form of a check by Navy Federal Credit Union. I was referred to do business with XXXX XXXX and his estabishment by an associate of myself, XXXX XXXX. I verified that XXXX XXXX 's business, XXXX XXXX XXXX 's was a legitimate dealership. This check was to be completed by XXXX XXXX were he would contact Navy Federal Credit Union to obtain Verification Number which they would only release to a verified dealership ; also during XXXX XXXX contacting the dealership he would release to NFCU the vehicle VIN and description. During communicating with XXXX XXXX several times regarding return of funds for not rendering services that he and I agreed upon I had no choice but to proceed with reporting XXXX XXXX and his business for fraudulently misappropriation of funds in this matter.
Consumer complaint received 2021-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (SC)

On XX/XX/XXXX, we contacted a company called Mr. Cooper about refinancing one of our high interest loans with them after receiving a mail inquiry invitation from them at the end of XXXX. We spoke with Mr. XXXX XXXX and went over our situation and credit scores to see if we qualified for their re-financing invitation. We provided full information on income, credit scores available through each credit bureau, reason for re-financing, all income and debt information and everything they requested to see if we would qualify to submit an application for re-financing and for them to pull the hard credit inquiry that would damage our credit report numbers. We were told and assured that there was absolutely no problem, we would definitely qualify with the credit scores and all other information was within the requirements for re-financing. Application was submitted based on these assurances, along with the documentation requested to support the information provided. We were told 3 or 4 weeks to send to underwriting and approval of loan re-financing. Ten days later we received an email identifying the loan processing officer name of XXXX XXXX who was assigned to our loan. We were assured by her that the loan process would take bout three weeks and that closing target was XX/XX/XXXX. Over the following couple of weeks we were asked to submit additional and duplicate documentation, which is usual for most underwriting scenarios so no concern. On XX/XX/XXXX, we received a call from XXXX stating the the finalization of the re-financing was on track and that there were " no problems and that the loan was still on track for closing on XX/XX/XXXX. '' Then there was a three week period on dead silence, ignoring multiple emails nd phone calls and complete lack of professionalism or customer care. In the meantime, my credit scores rebounded from the hard credit pull by Mr. Cooper and they steadily increased above submission numbers. We have three mortgages with Mr. Cooper and have paid all on time for the past four years since they took over or issued the loans. Why the scam of refinancing invitation and fraud from the promises and assurances that we were qualified, everything was fine and on track with the loan, and that they acknowledged our payment history as their customer rather than being honest and up front - not forcing us to suffer the negative impacts of their pulling a hard credit on our credit report. Their action cost serious delays, additional financing costs, and complete loss of faith and trust the professional ethics of the " Mr. Cooper '' brand and group. They should be held accountable and everyone should know and be aware of their actions so others will not make the same mistakes from their unconsionable actions. We will be moving our mortgages from them and not doing business with cons like this in the future and soon as the damage from their actions against us are repaired.
Consumer complaint received 2020-12-06
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: World Acceptance Corporation (GA)

XXXX did not look at evidence that world finance fraduently reported i had a new loan account XX/XX/2020 they did this to me in XX/XX/2020 if they had actualy researched this they would have found them to have illegally refreshed this account that was not with them. i will persue legal action against both companies as i see now iam getting absolutely no where this is illegal practices what is he fair credit act for????? this is not a new account and then they reported it closed XX/XX/2020 both companies ridiculous they need to do there job. look at the dates and evidence that will tell you you cant put something on someones credit report twice!!!!!!!
Consumer complaint received 2021-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Titan Receivables, Inc. (CA)

On XX/XX/2021 i seen an account on my credit report from a company called TITAN RECEIVABLES, INC account number XXXX and noticed that this account did not look familiar to me and did some research which this account does not belong to me and is the result of Identity theft. I have have applied for any type of auto loan with this company nor have i have given anyone permission to obtain a loan or vehicle there. please see attached supporting documents to delete this account from my credit immediately.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (UT)

Shellpoint Mortgage Servicing is reporting erroneous lates on my credit file. I had a few erroneous lates that were removed due to me being in forbearance but after the forbearance was over they reported new lates. I was very confused as i had set up automated payment 's. I called to ask why those lates were being reported and they told me no automated payments were set up and those payments were missed. I requested they listen to the recording where i asked for the representative to set up automated payment 's. This conversation was 30+ minutes long, after we discussed the deferment process i requested auto pay. They have " investigated '' but i don't think they even listed to the recording where i know for a fact i requested the automated payments. This is now the second time i have had erroneous reporting 's and I'm truly upset as a long time customer. This has ruined my credit and also is getting in the way of me being able to obtain financing which is very important to me and i take very seriously. I need a full investigation and for these lates to be removed from my credit. If the lates are not removed and i don't receive proof of the reporting being accurate then i will take further, legal, action.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX  and Transunion should not be reporting that I am ( 30 plus ) days late on the XXXX XXXX  partial account number XXXX. XXXX and Transunion should not be reporting that I am ( 60 plus ) days late on the XXXX partial account number XXXX ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-24
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: JPMORGAN CHASE & CO. (UT)

so when I applied for this card it was supposed to be XXXX miles when spent XXXX on the card in the st 3 months which I did with no problem chase claims I signed up for a different promotion I escalated the 1st time and the lady left one voice mail with me and closed my case without even talking to me so I escalated this again and they were only willing to offer me XXXX of the XXXX they wold not give me the full XXXX so I escalated again to a manager in the corp offices and know all of the sudden to get the other XXXX they want me to XXXX annual fee which they already waived for the 1st year for me this is getting riduculous every time I talk to chase or united I cant get anywhere on this I just want my other XXXX bonus miles and they are giving all kind s of trouble trying to get it. I have been loyal to chase and united and have had these united cards for many years and I cant believe they are treating XXXX  XXXX and won't give me the other XXXX bonus I don't understand why this is a hassle and they are being very stubborn about this and I am still really upset
Consumer complaint received 2021-03-24
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: EQUIFAX, INC. (MD)

Equifax sent me an email stating this same collection ( Complaint ID XXXX ) was on my credit report with them. They only change the date to XX/XX/2021 as the date reported. I attempted to do a fraud report, they responded with statement of on going investigation in progress. They would not let me submit/or accept my request. Their reporting agency is the only one that has XXXX me over for years with their credit reporting. This time I'm not gon na stop till they correct their problem with is causing me problem.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a Capital One card holder for 20 years. I decided to add authorized users to my account for business purposes and was flagged as fraud. My authorized users are all XXXX Americans including my husband. 

I have been subjected to daily harassment from Capital One requesting the documents of all users. This has become a huge inconvenience and frustrating situation as I have submitted these documents 5+ times to their link provided by the Management department. 

Again, I received another call about my account requesting further documents of users that were removed from my account also XXXX American. 

I am a XXXX female and have never been through such harassment until my husband and authorized users were added to my account. This clearly has become a race issue and there is no fraud being committed!
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

on XXXX I received a text message from Chase informing me of a XXXX transaction for {$930.00} to XXXX XXXX. I did not authorize this transaction. I called Chase immediately and began a claim for fraud. Chase opened a claim number XXXX. I went to the local branch and closed my account and opened another. I also received XXXX secure messages from Chase on XXXX, XXXX sent at XXXX stating that a payment to XXXX XXXX XXXX cancelled because they didn't hear back from me. I received another message stating the same at XXXX on the same day, XXXX. 

On XXXX I received another text message form Chase informing me that XXXX XXXX transactions totaling {$1600.00} were processed to a person named XXXX XXXX, XXXX not authorize these transactions as well. I called Chase and began a claim on this issue as well, claim number XXXX. 

On XXXX I received a letter from Chase stating that the first transaction from XXXX was authorized and processed correctly. I called the chase fraud department and asked that the reinvestigate. I was told that I needed to provide evidence that i did not make the transaction. i asked what evidence I might provide that would serve as proof, the operator could not answer my question. 

On XXXX I filed a police report with the XXXX XXXX Il Police XXXX.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IA)

Ive had my checking account for over 22 years. I had an unexpected yearly fee get withdrawn from my account for XXXX on XX/XX/21. I was unable to get to the bank to deposit funds on that date resulting in an overdraft. I deposited funds sufficient to cover the amount on XX/XX/21. I contacted Wells Fargo to request the fee be waived due to the circumstances and was denied based on what they said was my past an account sanding etc. I have not had a fee waived in over a year so I do not understand why I was denied for this. My account should be a team member checking
Consumer complaint received 2021-03-23
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. (LA)

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are inquiries, alleged collections, and char offs accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (PA)

I have requested multiple statements a monthly billing statement. At first I was receiving paperless statements and attempted to access my monthly billing statements in the statements section of my online account with no success. I switched to paper billing and have received only one paper bill. I am still not able to access my monthly statement online in the app via the statement section.
Consumer complaint received 2021-03-24
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. (FL)

I am extremely upset! I was looking at my credit and there are accounts showing that are not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My engine in my car is ruined and I cant even get a new car because of this problem! Please help me and investigate this absurd problem.
Consumer complaint received 2021-03-24
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. (NY)

I am writing to dispute a fraudulent charges on my credit report. I am a victim of identity theft. I would like to request that the following accounts be deleted from my credit report. The following charges were not authorized : XXXX Account # : XXXX and XXXXXXXX  Account # : XXXX. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amounts be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-03-24
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. (IL)

For the past year I have continuously made several attempts to dispute inaccurate and unverifiable information on my credit report but have been met with no resolve time after time. The continuous egregious handling of my dispute request is illegal and can no longer be tolerated. I have sent several dispute requests via postal service, some via certified mail and notarized, only to be met with the same canned and form response letter. Again, the practice is illegal and is a direct violation of my rights under the FCRA. On several different occasions, have I been with the response verified as accurate without any proof of documentation from the original alleged creditor or proof via method of verification, despite innumerable request. Due to the aberrant behavior, I can no longer allow any further opportunities to resolve this matter patiently. It has been well over 30 days to correct this issue and I am now demanding the disputed items to be DELETED from my credit file immediately upon receipt of this notice. Any future delay tactic or improper response will be handled in court to the fullest extent of the law for such continuous direct violations. While I am not surprised, I am certainly disappointed to learn that you have chosen to state that you can not verify my identity when I in fact have sent proof of address, SSN, Driver 's License, Date of Birth and etc. several times. To provide relief for the incompetency, I will attach identification verification documents again with this complaint. Remove the disputed requested items from my credit report immediately.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Date of hotel stay - XXXX I booked to stay XXXX night at XXXX XXXX XXXX XXXX in XXXX XXXX using my XXXX  chase card via XXXX XXXX. No where on the website explains that the jacuzzi is closed, when we arrived we only had an option to swim in the non-heated pool which was freezing. The following morning, I had XXXX bug bites on my forehead, which looked like XXXX infections. I told the hotel and the broker which I used XXXX XXXX XXXX XXXX and the hotel completely ignored me. Claimed they did not receive my emails, and said told XXXX XXXX it was was in their spam folder. XXXX XXXX said the hotel said I had the XXXX prior to arriving, and that I spread the germs to the hotel which is complete blasphemy. I just wanted a sincere apology, but now i want a full refund. 

I am completely dissatisfied with the service the hotel provided, most of their reviews online talk about their horrible customer service and dirty interior. I am extremely disappointed at XXXX XXXX for not handling this situation and caring for their customers. 
I felt discriminated as a XXXX women, saying I infected their hotel. I also spoke to Chase and they said they could not help.
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (UT)

I was pregnant in XXXX and delivered in XXXX of XXXX. Since then I have been trying to get corrected billing information. Initially the bills in question were from XXXX of XXXX as I was being told my services were out of network. Long short short, after many phone calls and many many hours on the phone I spoke with XXXX XXXX as XXXX ( my medical provider ) and she let me know that XXXX had somehow let the agreement between them and XXXX XXXX XXXX lapse. She advised that they had fixed it and it would be retro active. Those bills were fixed. Within the last year I am now getting phone calls from Medical Revenue Services stating I owe {$1700.00} from XXXX XXXX XXXX XXXX rendered on XX/XX/XXXX. I was covered with XXXX at that time so this should not be the balance. I have been waiting for this bill to be fixed and a corrected bill to be sent to me for two and a half years now. I believe there is a limitation on how long I should have to wait to receive a corrected bill. This service should have been covered. I have attached supporting documentation.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

Yes I have contacted XXXX XXXX  XXXX? XXXX XXXX XXXX? Wellsfargo? XXXX aka XXXX? XXXX XXXX? XXXX XXXX? XXXX XXXX and several others reporting activity tbats being done in my name including 4 reports to XXXX XXXX the DMV a complaint with XXXX XXXX Sheriff 's dept and my drivers license are even being used and I cant get any help nowhere.