davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
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. (GA)

This began in early  XXXX  when I tried to open an account on Social Security dot gov. After entering my name, address,  DOB  and SS #, I was taken to a screen to verify my identity. EACH question asked about something that did not apply to me -- i.e., to verify a past address where none were correct, to verify a car loan or lease when I have NEVER had a car loan ( with the next question asking how much my monthly payment w as ), to ve rify a mortgage with a company I 've never dealt with ( and a corresponding question about the monthly amount of loan ). When ALL questions were answered " None of the above, '' the system locked me out.  After two days of  trying to contact someone at SS, I was able to speak with someone who said their security screening comes from a " credit reporting bureau in  XXXX . '' They suggested I get a free credit report from all  XXXX  credit bureaus and I did. Both  XXXX  and  XXXX  were no problem -- their security questions were all accurate and I received my credit reports online with no problem. Equifax, however, asked ALL false questions. Each  one (   as above ) asked questions that did NOT pertain to me and it locked me out. Equifax is located in  XXXX . After days of trying to find a human to speak with, I was told that they could not " verify '' my identity ( all false questions agai n ) and s aid they would mail me a credit report. When I receive it, there was a false alias -- my correct name, but spelled wrong --  and two fal se addresses. They  did ( apparently )  successfully remove the wrong name, confirming over the phone that the person reported did NOT match my ss # o r DOB. After MULTIPLE  promises that they have deleted th he two false addresses, they are STILL showing up on my report. ( I have THREE disp utes now that each say they have removed these addresses! ) I STILL  get four f alse security questions every time I try to get an Equifax report and get locked out every time. I STILL CA N'T OPEN A SOCIAL SECURITY DO T GOV ACC OUNT because Equifax is feeding them the wrong background information about me! HELP!!! This has been going on for WELL over a month and the man I finally spoke with today (  XXXX   )  was extremely rude, saying that I was obviously told the addresses were removed in error and implied that the only reason they 'd still be on my account would be if a debtor had CONFIRMED that these addresses in fact belong to me! He said that he would have my complaint sent to the fraud department, where it can take up to a MONTH to get resolved!! I have spent HOURS and HOURS trying to work with Equifax on this!
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (UT)

I was looking to purchase a new home and needed a pre-approval from Wells Fargo- the preferred lender of the builder. I applied with the builder 's contact at Wells Fargo and I was not pre-approved through Wells Fargo. I applied with Wells Fargo on XX/XX/2021 I later found out that the loan officer I worked with shared my personal financial information with multiple people and talked negatively about my financial situation. He shared a list of my debts and financial information with the builder 's realtor, who then shared it with my realtor and my future mortgage broker. I have no doubt that it was also shared with others that I am unaware of. 

I do not how much information was shared but I was told by my realtor and mortgage broker that they both were uncomfortable with the amount of information shared with them. 

I did not submit this complaint sooner because I do believe that the Wells Fargo representative and the builder 's realtor have some sort of quid pro quo deal and I did not want to jeopardize the real estate deal - I later found financing outside of Wells Fargo.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX I noticed transactions I did not authorize from my checking account ATM card. The total unauthorized transactions were 11 transactions for a total of {$670.00}. I filed a claim within 2 days of the transactions. After Chases investigation they concluded the transactions were correctly authorized. I do not agree with the decision and the fact that they will be taking the temporary credit back. I never authorized the transactions, have never shopped at those store locations. I feel like there was no effort in the investment. I would bet that my pin number was never entered for any of those transactions. I do not was the credit/refund for those fraudulent transactions removed. I received a letter stating they would be removed. If removed, I will not have enough money in my account.
Consumer complaint received 2021-03-18
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. (MD)

I had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.
Consumer complaint received 2022-01-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

My loan is/was with XXXX XXXX XXXX. I was on a forbearance plan which terminated on XX/XX/XXXX. I signed up for a junior mortgage and was to begin making payments again on XX/XX/XXXX. 

XXXX XXXX XXXX supposedly sold my loan to XXXX XXXX XXXX XXXX XXXX, which has no record of my mortgage. 

When speaking with XXXX on today, XXXX ( XXXX ) stated she could take my payment over the phone. I stated I wanted to pay online. I was then transferred to XXXX XXXX ( XXXX ), who told me that I could not pay online because I had written too many bad checks. I told XXXX I had never written a bad check in my life and had been paying online since they bought my loan in XXXX. XXXX then transferred me to XXXX ( XXXX ), a supervisor, who said my loan was in the process of being sold/transferred. 

I asked XXXX how do I pay if the new company says they have no record of my loan and he said their was nothing he could do. 

I am also concerned with the fact that I completed junior loan paperwork with Lakeview Loan Servicing, yet, they sold/transferred my loan.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (AL)

New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.
Consumer complaint received 2021-03-18
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: AutoNation Enterprises Incorporated (FL)

XXXX Inquiry From XX/XX/XXXX ( Miscellaneous Reptg. Agencies ) XXXX XXXX Inquiry From XX/XX/XXXX XXXX Personal Loans Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Auto Financing ) Twice this one is reporting on my credit. 

XXXXXXXX XXXX XXXX  Inquiry From XX/XX/XXXX ( Automobile Dealers ) XXXX Inquiry from XX/XX/XXXX ( National Credit Card Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Automobile Dealers ) XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2021-03-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (GA)

We went binding with sellers on a home XX/XX/XXXX. It is now XX/XX/XXXX and this loan has not closed. An error was made by the loan agent after 2 months of us being told there was an issue with a USDA backlog, when in fact the loan agent made an error that was the cause for the delay and told no one until I uncovered it in early XXXX, 3 months later! They were forced to admit it only after a call was made to an agent with USDA where it was discovered that my name had never appeared in the USDA process system. My employment verification does not appear on my Employment Database Report until XX/XX/XXXX, when the error was discovered, and the file is just now in underwriting. Again, it is XX/XX/XXXX, after 3 months and 3 changed closing dates. Due to trust issues, and now more document requests daily that should have been requested and settled back in XXXX, the seller is now talking moving on to put the house back on market by the end of this week, XX/XX/XXXX. On the first closing date, the seller took a vacation day to travel from out of state. The loan agent waited until the day of closing to notify all parties of status, and even then they had to be asked. The loan agent keeps telling us to hang in there, but that is beyond unprofessional. No allowances have been given to rectify this situation. Their manager simply gave the brush-off when questioned. It is ridiculous. We are living in week-to-week rentals after selling our RV when we were told we would close on XX/XX/XXXX. We are now homeless and are spending exorbitant amounts of our savings for a place to live. We will probably lose this home due to their negligence, lack of communication, and lack of ability to properly process mortgage loans. NEVER use Cross Country Mortgage ANYWHERE as this is not the first and only bad experience that I had with this company.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

This is the third compliant I filed against PennyMac Loan Services , LLC . In the previous two complaints, I reported the unfair and possibly racially driven discriminatory treatment I received from PennyMac employees for an unusually extended period of time ( more than 120 days ) while I applied for refinancing mortgage loan. The company 's responses to my previous two complaints were lack of responsibility and accountability and did not even acknowledge the problems I complained about. Only after I elevated it to the company 's CEO, did the PennyMac employees start to take some actions. 

The company 's Senior VP of Customer Experiences contacted me admitting all the problems I complained about ( except for racial decimation ). He agreed to send me a formal apology and provide compensation for the financial loss I incurred due to the extended delay and unfair treatment in processing my loan application. I also received a letter from PennyMac 's complaint specialist confirming Senior VP 's promises. 

But three months passed since my conversation with Senior VP and receipt of the company 's letter, I still have not received the compensation check that the company promised to send in 10 business days ( from XX/XX/2021 ). I contacted the complaint specialist numerous times, she never responded. Two weeks ago, I got hold of the XXXX, he continued to promise the check be sent immediately. Two weeks passed and I still don't receive the check. The XXXX stopped taking my calls and simply disappear. 

Instead of getting the problem solved for customers, the company 's employees, including the executive of " customer experience '', have kept misleading me, breaking its promises and violating my consumer rights. Such unethical conducts are completely unacceptable! 

I attached the letter from the company as a proof of their acknowledgement of their wrong doing and their promises to me.
Consumer complaint received 2021-03-17
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: World Omni Financial Corp. (GA)

XXXX XXXX made a {$1000.00} payment to Southeast Toyota Finance on XX/XX/XXXX. This payment was reported back to me via email as successful. My normal payment at that time was around {$350.00} Upon learning that my credit report had been severely impacted on XX/XX/XXXX I contacted Southeast Toyota Financing only to learn that my payment of {$1000.00} had been " reversed '' on XX/XX/XXXX. ; SETF could not supply a reason as to why the reversal occurred and my bank knew nothing about the payment. I was not contacted about this reversal in any way. In fact, on XX/XX/XXXX I received and email with a confirmation Number ( Confirmation Number : XXXX ) for the {$1000.00} payment. 
There was never any mention of reversal after that point. 
Instead of contacting me as they had already done with the confirmation number and an email on XX/XX/XXXX that my account needed attention, they simply reported a thirty day delinquency on my account for XXXX XXXX and then another 30 days late for XXXX.. My credit report shows 60 days late now and my credit score dropped from XXXX down to XXXX. 
Southeast Toyota Finance appears to lack the sophistication or technological staffing to notify customers about serious matters such as payment reversals. It should also be noted that I have never been late paying them, or anyone else in over 10 years.
Consumer complaint received 2021-03-17
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 saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.
Consumer complaint received 2023-03-05
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

My Comenity Bank credit card was compromised so I called and spoke to customer service on XX/XX/XXXX. The agent gave me credit for the charges which was {$130.00} and that charge was not done by me. I have not used this card since XX/XX/XXXX. The transaction took place in XX/XX/XXXX. Instead of closing the account, they started to send me the late fees and finance charges for those transactions under a different credit card number. They keep calling me every single day and leaves me messages saying that I need to pay those charges. Every month the amount increases and will call me from different numbers such as unknown, private caller, scam likely, and some Comenity Bank numbers. They are supposed to investigate and let me know what the results are, but they never let me know what happened or updated me, instead their main focus was to pay for the charges which were never made by me. They are not supposed to charge me for disputed transactions, I requested to have my account closed and it was never done, they instead transferred the late fees and finance charges on a different credit card number and kept sending me the statement every month. They do not want to listen to me, their only concern was that they wanted me to pay for those charges. I have concerns about this credit card company, only XXXXXXXX XXXX XXXX keep calling me, no other race but them. The address of the bank is : XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-01-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I officially notified the Credit Reporting Company via certified letter that I had an unauthorized inquiry on my credit report in XXXX  of 2021. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry was requested repeatedly. 
They neither provided me strict proof or DELETED the item immediately!! This is the official second notice. If they do not delete the inquiry in 15 days I will take legal action. 
Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter and submit their reinvestigation information proof. 
If they ignore this notice and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to send notice to the Attorney General for further scrutiny of this matter. The credit reporting company received my request/demand to provide proof that I have given the authorization to pull my credit on the following hard injuries that follow : XXXXXXXX XXXX XXXX FinanceXXXXPersonal XX/XX/2021 XXXX Finance/Personal XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX MiscellaneousXXXX 2021 They have not responded to my request and now are in DEFAULT. 
They must immediately remove any derogatory reporting to the credit reporting agencies because they are causing defamation of my character and I will be forced to take legal actions against this credit reporting company. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against them. 
**Immediately remove any derogatory reporting or consider this as contrastive notice of impending legal action. ***
Consumer complaint received 2022-11-01
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-17
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. (PA)

I recently submitted a report with FTC about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the FTC told me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my FTC