davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-03-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

XXXX XX/XX/23 XXXX ( 22 minutes ) telephoned TIAA bank to ask about a CD had seen. Spoke to a young man. He said i could open the account and fund it later. The interest for the month was not being shown. I said i would call and authorize funding. 
XXXX I am looking at transfers from TIAA to other institutions XX/XX/23 XXXX ( 9 minutes ) spoke to a youmg lady and she could not tell me how much interest was accrued for the month. I said i would call to fund later. 
XX/XX/23 XXXX XXXX  ( 7 minutes ) spoke to a young guy. I saw my CD was funded. I was XXXX and DID NOT AUTHORIZE FUNDING. 
XX/XX/23 XXXX ( 6 minutes ) I was very aggravated after sleeping on the funding- not authorized and a large sum. i spoke to an older gentlemen who said i authorized funding when i did not. I said i wanted the money out of the bank, since i did not authorize funding. 
He said it would be a {$2000.00} charge. I had to get off of the phone very shaddy
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

Back from in between XXXX, 4-8 different accounts was opened in my name in XXXX and they froze my account a few times until they investigated and found out that it wasnt me at all.Im from XXXX and not from XXXX and I havent even been to XXXX at all. They never sent me a letter regarding the fraud and what have happened and how did it happened.
Consumer complaint received 2023-03-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX ( 5 days ago ) to XXXX Hello, I am trying to figure out where to start. 

Our house was devastated by Hurricane IAN. We finally get the check from the flood insurance carrier. 
We endorsed and two day aired it to your home office. 
Our line of thinking was we will get the check faster since we have already sent the required paperwork in once by two day air, and on 4 separate occasions via email. 

So we wait since no one reached out through email or phone. We called customer service. 

The rep told us what they needed ( there were 2 documents that were not signed in the right place, had they told us this 3 months ago we could have sent it. ) We finally get an email stating this : Dear XXXX XXXX : We have received your insurance claim information and have begun to process your file. However, we are missing the following information and are unable to proceed until we receive the item ( s ) checked below. Please provide the missing item ( s ) as soon as possible to allow us to continue processing your claim and disburse funds to allow work to begin. 
Adjustor 's report issued from your insurance company. 
XXXX - Signed and accepted contractor 's proposal.

Inspection.

Waiver of Lien.

IRS Form W-9 ( when using a third party to complete repairs ).

Endorsement on claim check. XXXX - This is a monitored claim so we need a copy of your contractor 's proposal that has been signed and dated by you before we can release your initial draw ( minus the check you received already ) We called and spoke with a rep, he did not give his name and I would like the call pulled for the FDIC complaint that I submitted. 
He said all yeah here it is, it was in the wrong file. He once again assured us that he was sent over to processing. 
We waited another two weeks and we called again, the first rep did nothing... nothing. 

The second rep apologizes and states that we still need the signed construction contract. I explained to her that it has been sent at least four times. She said it's blank. I said no scroll down to the other attachments she's like oh I found it. I asked for a supervisor and she stated that it does not work that way but one would call me back in 24 hours, that was 48 hours ago and I am still waiting. 

Then we are told 10 days to process 5 days to mail it, but she advised me that since it was your company 's error she would have it expedited. I bet you that promise never came to fruition. 

We have been without A/C since the hurricane because we are waiting on this money. We need at least {$50000.00} to pay the contractors they are ready to pull out of the deal and then we are stuck waiting on another contractor for another five months. 

These are real peoples lives you are playing with just because of either laziness, incompetence or indifference all are inexcusable. 

XXXX XXXX XXXX XXXX XXXX Sent from my XXXX XXXX
Consumer complaint received 2023-03-02
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. (AR)

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you are reporting on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. In accordance with the Fair Credit Reporting act section XXXX, I am requesting you to please remove the following fraudulent accounts and information off of my Credit File : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$390.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX, XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX. Please comply wit hthe Fair Credit reporting Act section 605b and have the disputed accounts and information removed from my Credit report as soon as possible.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Every month capital One report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime Capital One report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n
Consumer complaint received 2024-03-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NE)

XXXX ( XXXXXXXX XXXX XXXX XXXX ) contacted me telling me they could help me with mortgage payments with XXXXarrington Mortgage Services ( CMS ), CMS IS NOT COOPERATING with XXXX, I've tried talking to CMS and they use predator lending tactics to keep you on hold as long as possible only to accomplish nothing, it's a nightmare trying to communicate with CMS. CMS called me yesterday ( XX/XX/XXXX ) acknowledging they received the request from XXXX and proceeded to threaten me with foreclosure instead of cooperation with NHAF. In XXXX CMS did the same exact thing so CMS has a pattern of predatory lending tactics, see my complaints filed in XXXX.
Consumer complaint received 2023-03-01
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still some items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CA)

My Hilton Honors account was compromised in XXXX XXXX due to fraudulent activity. I called Hilton Honors customer service to report the missing XXXX points and the blocked access to my online account. Customer service stated that my account was hacked. They took a few months to investigate the situation and restored my points in XXXX XXXX but my online access had not been restored. I called Hilton Honors customer service numerous times asking for assistance with requesting a new online password, but it was discovered that I was not getting any emails from Hilton Honors. Customer service stated that my email address was blocked when my account was compromised and that I needed to email the fraud department for assistance. I emailed the Hilton Honors fraud department twice in XX/XX/XXXX and as of today, I still dont access my online account. 

Hilton Honors unwillingness to resolve my online access leaves my account vulnerable as my points could be stolen again and confirmations could be redirected to someone elses email address. 

Thank you.
Consumer complaint received 2023-03-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Flandreau Santee Sioux Tribe (MI)

I have asked XXXX XXXX XXXX to not contact anyone else but myself at phone number XXXX multiple times, they keep calling people they think are related to me after I told them multiple times not to. They also have given me multiple different stories about amount owed and said they dont know what a validation notice is. They call multiple times in a row multiple times a day.
Consumer complaint received 2023-01-13
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)

All XXXX credit cards are paid up to date with balances less than 10 % carry over. This inaccurate information cause my utilization scores to be less than XXXX. My car note is also paid in full as of XX/XX/2023 with XXXX XXXX. The three credit bureaus : Equifax, XXXX XXXX, and XXXX are not reporting accurate information as a neglect.
Consumer complaint received 2022-09-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CT)

It is my understanding that under the limited PSLF waiver, *any* prior payment made on student will count as a qualifying payment, regardless of loan type, repayment plan, or whether or not the payment was made in full or on time. However the the servicer has disqualified MANY of my previous payments because they were apparently more than 14 days late. Do ALL prior payments count or not? 

I would like all of my eligible prior payments to count towards my XXXX payments that will allow me to use the PSLF program.
Consumer complaint received 2022-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-07
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: SANTANDER HOLDINGS USA, INC. (MS)

there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX 
This is a violation in the Fair Credit Act. 
Also, Santander charged the account off in XXXX. Since then, the payment history reported as no data on both XXXX and XXXX. 
Well, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile. 
Also, the is a federal lawsuit with Santander fraudulently reporting payment history. This company is aware. Yall have numerous articles on it. 
Any inaccuracies reported must be deleted according to the Fair Credit Act.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (IL)

I have my house payment financed they XXXX XXXX  or Loan care. I usually pay online and am current with my payments. My XX/XX/XXXX payment I have yet to pay bc their website is currently down and the phone number of XXXX no one is answering and recording states systems are done. I am worried about accruing late fees and damage to my credit but I have no way of making the payment online or via phone. If I mail in a check, with their systems down I am hesitant bc they will not be apply or process it to my account.
Consumer complaint received 2023-02-13
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This attorney representing Capital One sued me at an address where I no longer live. The venue of the lawsuit was in XXXX, California about 30 miles from where the lawsuit was served where lived five years ago ( XXXX XXXX ). The summons and complaint was then mailed to that address which was forwarded to a relative 's address. No one was personally served. I only found out about the lawsuit by looking up the case on the court website. Thankfully I filed an answer in time even though I don't even live in the country any more and I am traveling a lot. This lawsuit should have never been considered properly served and the venue is incorrect as it's not even close to where I live.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FEDChex Recovery, LLC (OK)

I dont owe this debt I paid for what I was initially charged this charge was subsequently added for miles I NEVER DROVE .. they text constantly and I want them to stop if they report it to my consumer reports I will dispute that as well They will be in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow any CRA to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing CRAs these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If CRAs want to continue to do business with me, they should delete these inaccuracies off my consumer report.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (CO)

I canceled my gym membership over the phone with XXXX XXXX. When asked what bank I wanted the close out fees deducted from I provided my existing bank ( XXXX XXXX ). An employee working the counter at the gym took my bank account and routing number. She then charged an old bank on file ( XXXX XXXX XXXXXXXX ) that had been closed for 2 years for {$49.00} on on XX/XX/XXXX. In her defense they have very similar account numbers, but completely different routing and bank names. I then spoke with XXXX XXXX ( handles billing for XXXX XXXX ) who fully admitted fault in writing. I offered this admission in writing to XXXX XXXX, who told me they would contact me and let me know if they needed the information, but never took my evidence, and completed the case weeks later by sending me a letter saying no fraudulent activity was found ( after their own agents told me to open the fraud case in the first place ). To be clear, I never gave XXXX XXXXXXXX XXXX authorization to charge a XXXX XXXX account , in any dollar amount. XXXX XXXX  reopened my XXXX year old closed account and debited the amount, and then charged me overdraft fees and it was sent to collections before I ever knew what was going on. I am a Financial Advisor and it is very important that I do not have debt settlements or collections as it could effect my licenses. The money is a minor amount and not the issue for me. It's the principle that I provided correct, updated bank information, and a bank that I haven't used for anything and has been closed for over 2 years is extorting me for petty overdraft fees. This is bad business and absolutely fraud. 

Additional info : I updated my bank account information with XXXX XXXX on XX/XX/XXXX online, and took the time to be extra careful and read out the entire account number and routing number for XXXXXXXX XXXX to the representative at XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX