davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Total Card, Inc. (ID)

I became in contact with th fraud Dept of TOTAL CARD VISA, becoming aware of various charges from a company named XXXX that I had never heard of. The rep told me that this company was well versed in fraud and the fraud dept deal with them often so I was not to worry. I needed to contact XXXX and ask for money, ( which I did and they all but laughed at me saying its your cc companies job we dont give money back to people. ), then I was to and fill out and return an affidavit to total visa so it could be fixed. Which was all completed ( by XX/XX/2018 ) before I had a few ( 3 ) month stintt in hospital. For whatever reason I found out today that the afadavit was not what total wanted and I needed to fill a new one out, and this new one was sent to me while I was in hospital in XXXX. I also emailed cc company I firming them of my status. When I called today asking why I was never given any credit or reversals for the fraud I was informed of new affidavit and that I could t do anything now bc 60 days had passed .... but I did it within week first time and they want new after I inform them of my situation and following deadline to make this tight passes while Im hospitalized? It almost feels like their is major collusion here especially whe. Everyone st the cc co knows this XXXX company is a huge scam artist of a company. All charges attempted by this XXXX company happened in the same day. Also I did not and have not used this Acct since bc they cancelled card and I was waiting to endure no more fraud remained. Company charged me {$38.00} late fees and an annual fee of {$48.00} even with knowledge of balance. What dequd related and after I made payments and stats intention to have cars frozen so it would not accrue charged and would give me chance to pay off. 

These are the transactions from XXXX. 
XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   ONLINE NY XXXX XX/XX/2018 XXXX ONLINE NY XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX   XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-13
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)

XXXX is reporting false, inaccurate, and incomplete information on my credit report which is negatively impacting my life! Please see the following accounts in question : XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$68.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have creditor or explanation of account Balance : {$890.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$0.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX : this is not an account I opened and should not be on my report! 
Account number : XXXX Balance : {$24.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX : this is not an account I opened and should not be on my report! 
Acct number : XXXX XXXX : {$15000.00} Date opened : XX/XX/XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (MS)

Since XXXX of 2021 XXXX XXXX has stolen the identity of XXXX XXXX changing email address and changing information on her credit report using the social security number without consent and continues to do so as of XXXX XXXX. Ive filed several police reports. 
XXXX XXXX opened a XXXX card in the name for XXXX XXXX. And charged items in the amount of XXXX in charges. Several charges on Lowes account amounting to XXXX Credit card came to my address with his name on it. 
XXXX XXXX changed my address at the post office system and had my mail routed to his address XXXX XXXX XXXX XXXX XXXX WI XXXX I have a email from the Postal inspector of XXXX stating the issue of the fraudulent address and a phone transcript. He stolen my XXXX account. Hes changed my XXXX so much that Im completely locked out of that account all together. Proof of that. XX/XX/XXXX XXXX he ordered my drivers license with the stolen credit card he open from XXXX card. 
XX/XX/XXXX {$71.00} at XXXX XX/XX/XXXX XXXX at XXXX he tried ordering food from XXXX with my XXXX XXXX The list goes on with several different attempts to open accounts. 
XXXX XXXX tries to log in for my XXXX mail account XX/XX/XXXX XXXX attempts. XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempt and XX/XX/XXXX XXXX attempts. Changed XXXX password change XXXX XXXX my XXXX account as well. I have several email stating someone on Wisconsin computer trying to get into my accounts. 
Recent activity was on XX/XX/XXXX changed my phone number on my credit report XXXX to phone number XXXX and XXXX to XXXX. Old email address is XXXX. XXXX XXXX is making several attempts to hack my emails account as well. He does it at night when Im sleep and notifications wake me all through the night. 
Friday XX/XX/XXXX tried logging in to get my Tax information 5 attempts. 
On XX/XX/XXXX he called Lowes again according to records trying to get access to my Lowes account again. 
XXXX XXXX XXXX A.M. hes attempting to get into a Venmo account. This has been going on since XXXX of 2021. There is more attempts that are not listed here. 
XX/XX/XXXX, XXXX XXXX calls to tell me that he has tried to open a Walmart XXXX XXXX card in my name but shut it down. 
XXXX XXXX is resilient and will not stop. This has really become a burden and Ive not been able to function because of this situation. Ive been sick with anxiety ever since this has been happening. Included in this lawsuit is for emotional distress.
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (MI)

Date - XX/XX/XXXX and XX/XX/XXXX CMC Funding and XXXX XXXX XXXX are not really professional. They have hard time figuring out the correct amount of monthly payment. Customer service likes to argue but is not really good at what they are doing. 
The monthly escrow withheld amount is too high and over {$600.00} higher than it should be. Its cushion is 4 month and it is against the law. Its estimation is based on wrong tax rate assumption. Talked to XXXX and his supervisor of XXXX and they are not professional and refused to solve the problem.
Consumer complaint received 2019-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

On XX/XX/2019, I spoke with the relationship manager from the Ocwen Mortgage and I was told that my loan/mortgage was placed into foreclosure. The representative said this action was taken because they said that I requested that the repayment program be stopped. This is not true, last week I spoke with another representative about my concern about the payments being unmanageable for me and asked if there was another step in the process where I could modify those payments. The current repayment program was 1500 more than what I normally pay per month, so I was looking for some relief. She said yes there is another step we can submit for you to review another payment option. She then stated she could complete the paperwork to appeal the repayment amount. I asked the representative could I continue to participate in the current repayment program while she works on the appeal and she stated yes I could. Then on XX/XX/2019, I received a call from Ocwen stating my account was now placed into foreclosure status. I was confused because I never authorized the discontinue of the repayment program. The repayment program started in XXXX and I paid 3,200 so why would I authorize them to discontinue the repayment program, if I began making payments on it. No one can seem to give me any answers and they are researching the matter, however, my home sits in foreclosure.
Consumer complaint received 2022-12-27
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: Bread Financial Holdings, Inc. (TX)

Notified of a credit pull on the below companies, I did not authorize this activity, nor did I apply for a credit card from a makeup company. Filed a complaint with XXXX and notified the company below, They have no record of this : If this is the case, this should be removed from my credit report. Security alert placed on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-05
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 RECEIVED A COPY OF MY CREDIT REPORT AND FOUND OUT SOMEONE WAS USING MY INFORMATION WITHOUT MY CONSENT .. I DID NOT OPEN OR PROFIT FROM THIS ACCOUNT .. PLEASE REMOVE ASAP thank you .. happy holidays
Consumer complaint received 2020-01-05
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. (FL)

This company is committing credit reporting fraud. They have changed the date of the repossession on my credit report from XX/XX/XXXX to XX/XX/XXXX with 120-180 recent reoccurring late payments. Initially it reflected open with the same late payments after reaching out to this organization as well as many others this company continues to use Equifax reporting system to victimize me with inaccurate information. I am in fear of this company and how it continues to use Equifax to openly conduct fraudulent credit activity against my Equifax credit reporting and I want something done I demand they be restricted from accessing my credit report to continue to be allowed to illegally report inaccurate information knowingly. Ive been in constant dispute over the account since XXXX when they refused to document the cars resale this company has to be stopped. Why are they being allowed to use a company we rely upon for accurate credit reporting to be allowed to utilize the reporting system to victimize consumers. I demand this company to be removed from my credit report and blocked from accessing my credit report I am in the process of filing a police report against them as we speak for the immediate crimes being allowed by Equifax.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I booked a trip with XXXX XXXX. they cancelled the trip due to cv in XX/XX/2020. The trip was paid in full from my peoples Bank debit card. Tried to contact XXXX with no one there to respond. Their email stated they would not be able to deal with refunds and to contact my bank, which I did. The bank said they would only be able to assist in getting a refund from XXXX. Since they are no longer in business that was futile. XXXX has over {$2000.00} and Im trying to recoup the funds for the cancelled trip which was to take place XXXX XXXXthe XXXXAny assistance would be appreciated. I also filed with the attorney general and XXXX.. all were unable to help.
Consumer complaint received 2019-02-12
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: National Credit Systems,Inc. (GA)

Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my XXXX credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report. 

Account Company : National Credit Systems Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Thanks, XXXX
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account.
Consumer complaint received 2021-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of XXXX, I found out that a former tenant had stolen my identity. I discovered this during the eviction process & after reviewing my entire credit report. There were several Chase account opened up in my name. I immediately notified the Chases fraud unit and also provided them with my Police report, FTC report, Drivers license, and a utility bill. Chase continues to affirm the accounts. I do not know what more I can do aside from filing a lawsuit against the company.
Consumer complaint received 2023-06-30
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)

Hello the reason why I am writing this complaint without prejudice because I realize building my credit again I made consent payment on a car loan that was under my name and my credit report. The company " XXXX XXXX XXXXXXXX '' reach out and told me that I have to make payment on this loan after the loan price reduce from {$17000.00} to XXXX. As well as the start of a XX/XX/XXXX I start to make monthly payments on the following date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On the listed dates you will see on my bank statement, looking at my credit report these 's payment was not report on my credit report. After the payment on XX/XX/XXXX they told me that I will have to call them to rearrange a payment on another payment plan to continue to pay off the loan. I did not even receive any notice about this payment arrangement or plan. But I still try to pay it off to get a positive reporting but that did not happened. Base off " The Fair Credit Billing Act ( FCBA ) '', For disputes about billing errors '' failure to post payments and other credits, such as returns. I will like to challenge this auto loan inquiry that is damaging my credit report and history.
Consumer complaint received 2020-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I was in income driven repayment. I lost a job had a baby and called to report change to income. Loan service said they needed information regarding wife 's income so I submitted it. Nothing changed On my payment amount so I contacted them again and was told they never received it. Offered my forbearance or deferment on my loans while I resubmitted income driven repayment application. I submitted said income driven repayment application along with wife 's income documents ( pay stubs ). As of XXXX I still have not received any adjustment. My loan payment is increasing to over {$300.00} which I cant pay and will end up in default. I submitted a new application had wife cosign submitted new pay stubs from XXXX and await loan services response. That Sums up my first complaint. My second complaint is about a payment that was deducted from my bank account on XX/XX/XXXX. Ir finalized in my account XX/XX/XXXX. I never Authorized a payment be made. The money was deducted illegally without my authorization and I have sent an Email about it to Great lakes my loan servicer and haven't yet received a response.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

This company is providing false consumer information about me to its subscribers. 

I have been trying to get them to remove this false information for years yet they refuse to and keep coming up with bogus excuses on why they can not remove it. 

I have provided them all of the documents they claim they need to " verify '' my identity but somehow its never enough. 

My family members, including my ex wife who I have not spoken to in 4 years, are being harassed because of the false information LexisNexis is providing. 

The email address XXXX needs to be removed from my profile today and any subscriber who received this info needs to be contacted and made aware this is not a valid email address for me. 

It was used by and ID thief years to attempt to open loans in my and my ex wife name. 

I have attached screen shots of the complaint I filed directly with them over a year ago which show I sent them copies of my passport, drivers license, birth certificate, and even my covid vaccine card. 

They have more than enough information from me to remove this false information. 

my complaint number with them is XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-01-05
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: CITIBANK, N.A. (FL)

I recently checked my credit report and there is a credit inquiry from Cbna  that I do not recognize from XX/XX/2019. I did not apply for any credit cards or loans with them on that date. I contacted the company but they did not remove the inquiry.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

EQUIFAX REFUSES TO ADDRESS MY CONCERNS. THEY CONTINUE WITH THEIR RETALIATION. THEY TOOK AN ADDITIONAL 8 POINTS OFF OF MY CREDIT REPORT WHEN I MISTAKENLY OPENED A CHECKING ACCOUNT IN MY CREDIT UNION AND IMMEDIATELY CLOSED IT. MY CREDIT UNION SAID THAT EQUIFAX SHOULD NOT HAVE DONE SO. I HAVE NO CHOICE BUT TO STEP UP MY COMPLAINT PROGRESS AGAINST EQUIFAX. THEY SENT ME SOME DOCUMENTS THAT DID NOT ADDRESS MY ISSUES. THEY STILL HAVE VERY OLD DEROGATORY INFORMATION ON MY REPORT. THEY ARE THE LOWEST REPORTING BUREAU OF ALL THREE CONSISTENTLY. THEY REFUSE TO ADDRESS ISSUES ACCORDINGLY. EQUIFAX WILL REPLY TO THE COMPLAINT WITH STANDARD EVERYDAY ANSWERS THAT ARE USED FOR EVERY CONSUMER EQUIFAX IS FRAUDULENTLY REFUSING TO CHANGE CREDIT SCORES. I AM WRITING MY CONGRESSNAN AND STATE ATTORNEY ABOUT THIS. I DEMAND THAT THEY ACCURATELY REFLECT THE CHANGES OF MY MORTGAGE AND MY CREDIT CARD INCREASE. I NOW DEMAND THAT THEY REMOVE ADDITIONAL ACCOUNTS AS A FACTOR FOR DECREASING MY SCORES. EQUIFAX IS A POOR CREDIT REPORTING SOURCE
Consumer complaint received 2023-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MN)

XXXX XXXX XXXX XXXXXXXX  @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA ( XXXX ) XXXX opened a Fraudulent account in my name along with a collection agency Hunter Warfield in XXXX, FL. 
I'm alerted by my XXXX XXXX Identity Theft Security Department who flagged these agencies as Fraud. XXXX XXXX XXXX XXXX lied claiming I owe them {$770.00} this account is not mine! I submitted a Police Affidavit required to the Credit Bureau 's already and Hunter Warfield Collection Agency has been DELETED and is being " Blocked '' from re-displaying on my credit reports. I do want to press charges against XXXX XXXX XXXX XXXX and/or Hunter Warfield for Identity Theft. I have a complaint with the Washington State Attorney General 's Office and I was told today XX/XX/2023 to also contact XXXX Police Department to press charges, which I will do. My XXXX XXXX XXXX is working with the Fraud Department of my credit bureaus to stop and prevent these stated fraudsters from opening further accounts in my name.