davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.
Consumer complaint received 2017-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

bought XXXX XXXX in XXXX. loan is thru Chrysler capital and serviced by bank santander. 
they changed accepting payments with my credit card in XXXX and now accept ach payments. 
can not use their web site to schedule payment or payments after repeated calls to them. 
they will get back to me and never do. last spoke to supervisor XXXX on XXXX and we agreed on XXXX hours to get back to me. never heard from him. I have payment due on the XXXX of the month and have to remember on the XXXX to call them to authorize by phone. this is unacceptable to me and feel they want me to pay the loan off due to the XXXX % rate. can not plan in advance, they make it difficult so that I give up. that ai n't gon na happen!
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Initially the loan was refinanced with wamu and the loan amount as of XXXX/XXXX/XXXX {>= $1,000,000} and this what was recorded. It was 4 % fixed and mortgage payment of {$4600.00} each month. Payment made on time from XXXX XXXX to XXXX. Chase bank purchased wamu and the loan converted to chase bank. I was paying same amount {$4600.00}. During this time I was applying for loan modification with chase processing. Chase offered 3 months trial payment for the total {$6000.00} starting XXXX/XXXX/XXXX for 3 months. Therefore the payments will be put into a separate account before a permanent modification. I paid each month {$6000.00} from XXXX to XXXX. In the month of XXXX XXXX chase offered permanent loan modification with the following terms new principal balance XXXX XXXX bearing interest balloon payment. There was no option for me to renegotiate the agreement or argue it with chase under writer conditions and I will be forced to foreclose on the property. I did not but I do believe this is unfair financial consumer protection issues. Chase unable to provide me with the details why did the loan amount from XXXX went up to XXXX And I have to pay XXXX for the bearing interest balance. 
Here is the breakdown of the original loan amount. 
As of XXXX/XXXX/XXXX the loan was refinanced by WAMU bank for 30 year fixed at XXXX. I paid every month payment agreed {$4600.00}. Chase offered trial payment XXXX payment of XXXX per month. I paid on time up till XXXX. XXXX Chase offered permanent loan modification but the amount on the loan document did not match the original loan balance XXXX minus the payments that was paid from XXXX, XXXX, XXXX, XXXX, and for XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. Therefore I was not able to discuss the outcome and forced if not signed I loose the home.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AR)

on XX/XX/XXXX I reached out to Wells Fargo regarding charges that were showing on my bank account from XXXX XXXX XXXX. I did speak with XXXX first and was directed to contact my bank as they were not able to see the charges from my account. I explained to wells that my card had been previously missing I just did not assume it was lost. I advised them of a charge for XXXX with a XXXX XXXX XXXX, {$170.00} through XXXX & another for XXXX. After submitting the dispute wells took the money back on XX/XX/XXXX. On XX/XX/XXXX I spoke with the disputes department in which I brought on a rep from XXXX named XXXX in which she confirmed the last XXXX of my XXXX account and confirmed with Wells that the payments were not on my account. After a few more calls I was advised to reach out to the other vendor on XXXXregarding the {$600.00} charge and was spoken to rudely by her stating " she did not charge me directly just charged a card that was given to her and she did not look at the details. '' I followed up with well Fargo and was advised to fax the documents over to the, docs were faxed on XX/XX/XXXX and when I reached out on XX/XX/XXXX the claims rep was very rude asking if I had spoken with the wells rep and the XXXX rep why is it that no one reopened my claim. she wouldn't allow me to speak as if she was too busy to talk with me. I asked if they received my fax and she told me they did but that the claim was denied once more because XXXX  stated that they were my charges on my account. I have faxed Wells Fargo my billing statements from XXXX  and everything that I have from the XXXX rep and still no assistance. This has placed me in a financial bind one that I should not have to go through. I have also reached out to XXXX multiple times without any resolve as I keep being instructed to contact Wells Fargo. I also tried to file a dispute through XXXX as instructed by Wells in which I am being advices by XXXX  that wells has to file the dispute and they never did.
Consumer complaint received 2017-09-12
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. (NY)

I have contacted equifax credit reporting a few times requesting that they please report my XXXX/XXXX account onto my credit report. This credit card has a XXXX balance on it and will help my equifax credit score. I was told I need to contact XXXX and have them report it to equifax. I contacted XXXX and was told they do report to all 3 credit reporting agency 's. I explained that this account is not reporting to equifax. I could not get any help. I called back equifax and explained what XXXX told me and they could n't help. I am submitting this complaint because I want this account to report on my equifax credit report.
Consumer complaint received 2022-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2017-09-12
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)

My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX department store and made payment arrangements to bring the account current. I explained that kohls would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XXXX/XXXX/XXXX that I was given wrong information. I made 3 payment  arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and kohls will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with XXXX and equifax as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by XXXX points.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Why are consumers having to pay for protection services for this breach of Equifax? According to the attached article, it is $ XXXX per credit bureau : XXXX freezes, which remain in effect as long as a consumer wants, are n't free, however. Each state has its own sign-up procedures and fees. Freezing one 's credit is n't expensive. They cost anywhere from {$5.00} to {$10.00} per credit bureau. 

Check out this article from XXXX XXXX : How to defend yourself against identity theft after the Equifax data breach https : XXXX This is egregious and not fair. Equifax should bear the cost of implementing a freeze, as well as notification all impacted consumers. 

Please look into this matter and use whatever powers for your position to address this travesty. 

Thank you for your assistance.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NV)

I have paid over {$340.00} for an Old Navy CC bill of {$70.00}. However, I am still getting bills! Not only that, but they have reported me to the credit bureaus and lowered my limits on all of my other cards because of their mistake. I have filed three investigations with Synchrony and two prior complaints here. I get no where with XXXX XXXX! The extra charges were supposed to have been removed, but instead they are sending me bills for more money. The E checks from my bank clearly say OLD NAVY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Why they are applying them to my Gap Card XXXX only knows! Especially after multiple investigations and complaints!
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Tried to sign up with TransUnion XXXX https : //XXXX 

Gave them all my personal information so I could get a credit lock - their web site just returns " we 're unable to complete your request, contact Support '' ; but, the Support page has no way to actually contact them OR cancel my account/remove my personal information.
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (VA)

On XXXX XXXX, 2017 Equifax was purportedly made aware of a breach of 143 million customer 's SSN # s, addresses, credit card numbers, drivers license numbers and other sensitive personal information. Rather than acting immediately to make consumers aware of this breach, they waited over a month, dumping roughly $ 2M in stock before publicly announcing the breach. Not only should Equifax executives be criminally investigated for insider trading and securities fraud, Equifax should be held liable for negligence to properly protect extremely sensitive consumer information they obtained without consent. Furthermore, they should be held liable for all fees and expenses incurred as a result of this breach - fees paid to freeze credit, fees paid to monitor credit, legal fees incurred, etc. Equifax 's offer of 1-year free credit monitoring is not only a way to reel in customers to a recurring service, but a laughable solution to this breach. This information can be used against consumers for the rest of their lives.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I closed an account with Chase, 3 months later i check my report to see that I am XXXX late on the closed account. I went into branch office the following day and was told that there was a charge that went through after the account was closed and That I was resposinble for knowing that even though the account says it has {$0.00} balance to the branch manager. I have since paid off the account but Chase refuses to revert the negative impact on my credit that was due to their transaction systems.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (OH)

What happened? 

On XX/XX/year>, I sent a debt validation letter via certified mail to Midland Credit Management ( Midland ) requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), Midland transferred or sold the debt to XXXX XXXX without providing the necessary validation. 

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision. 

I have not received any validation of this debt from Midland, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated. 

I have proof of the certified mail receipt that I will upload to support my claim.
Consumer complaint received 2020-09-26
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. (MO)

I'm requesting a 1099c for the following accounts inwhich should not even be reporting on my credit file.

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX  stating the paid my car loan off to XXXX XXXX yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXX XXXX XXXX  ice nevee been four payments late I changed my due date
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

Apple credit cars hosted by Goldman Saughs not only closed my account without warning for unknown reasons, tells me i can apply again but its been atleast XXXX months and i even got an email for a credit offer from them but if i apply ( which the only way to apply is on their wallet app on the iphone ) it opens uo the app to try to get me to apply but eveytime it says apple pay services are unavailable i want either my account back or this to be cleared so i can apply again, and dont try to blame my phone either cause ive tried on teo different phones and my ipad so fix my stuff,,, info was XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX social ending in XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (OH)

What happened? 

On XX/XX/year>, I sent a debt validation letter via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX  requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX transferred or sold the debt to XXXX XXXX without providing the necessary validation.

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision. 

I have not received any validation of this debt from XXXX, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated. 

I have proof of the certified mail receipt that I will upload to support my claim.
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (MI)

Dear Reviewer, All the sudden I started receiving letters from XXXX XXXX ( a/k/a XXXX  XXXX XXXX ) claiming I owe them {$33.00} for some coin that they supposedly sent to me, and more importantly something I did not receive, and i never ordered. I called them and informed them that I have no idea what coin they are talking about, and I never ordered such item. I asked them to provide me " PROOF '' that I ordered such item, but I never received such prove. Next, I 'm receiving the attached collection letters from North Shore Agency ( NSA ). I called this NSA ( North Shore Agency ) disputing the alleged debt, and the representative on the phone did n't care to hear my side and he asked me to pay the amount or they would continue collections and report it to my credit report ( basically threatening me to pay ). At this point, I was self assured that this is a pure SCAM to force citizens like myself to pay this amount, and the sad part some people will probably pay it, simply to not deal with it. But not me, I will inform the proper authority to investigate this SCAM and fraudulent practices. Again, I never ordered any coins, and never received such coins alleged here. This company and agency are purely motivated to collect fraudulent alleged debt without any legal ground and proof of such debt. Furthermore, when I did a simple search on The XXXX XXXX, there are hundreds and hundreds of complains and scam scheme reviews with hundred of victims defrauded by these companies. I respectfully ask the state of Michigan AG office, consumer protection agency, and any other applicable authority by law to investigate these wrong doings and fraudulent practices by The XXXX XXXX, and North Shore Agency to force people pay for products that they never ordered, and threaten them to be reported on their credit report. I have attached the Letters I received from North Shore Agency. Thank you for your attention to this matter Respectfully Yours, XXXX XXXX