davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

On XX/XX/2019 I tried to access my free annual credit report via https : XXXX. I was able to retrieve my XXXX credit report without a problem, but Equifax gives the message " Online Delivery Unavailable '' and requests that the customer physically mail them personally identifying information. This is problematic for three reasons : 1. It's not free, you have to pay for postage. 
2. It's not immediate. I want my credit report this morning. This will prevent many people from following through and requesting a report. It would be weeks before I see the report. 
3. The burden is on me to dig up the information they request, find a copier, go to the post office ... This should not be the case and will obviously discourage many people from requesting the report that they are required to provide by law. 

I believe that Equifax is violating, if not the letter, the spirit of the 2003 Fair and Accurate Credit Transactions Act. In the past, I have easily been able to get my credit reports. 

Why should these obstacles be put in place? They weren't in the past, there is no reason to, and the other credit reporting agencies don't do it. 

If their excuse is " security '', it is not credible. This is not an insecure method of receiving a credit report and the hoops that people would have to jump through to retrieve the free credit reports that they are entitled to, are completely unnecessary and are part of the reason the law was passed in the first place.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I had my phone stolen. I had no passcode to enter my phone so they had easy accessibility to it. They somehow got into my XXXX and transferred {$5300.00} of my hard working money to a recipient Ive done business with in the past. Whoever broke into my car and stole my phone must have been linked to the recipient that received the money. I tried reaching out but I dont know his number since it was on my phone and he lives out of state so I cant even go to him. So I immediately reported it to my bank ( Chase Bank ) they opened up a claim and made me wait 10 business days and never gave me a credit. After the 10 days they said they denied it because the transaction was from the same phone all the other transactions were from in the past and I said of course, they stole my phone! They asked for proof it was stolen, so I went ahead and got a police report stating it. I sent it over, they looked it over and still denied it. Losing that money has caused severe hardship to where I almost got XXXX from my apartment because of the amount of money I loss. Its very hard to live life normally when they took almost all my money and the bank just not helping at all.
Consumer complaint received 2018-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

Ditech and Green tree serviving has filed to put my home in foreclosure without offering me HARP or any modification even though the loan was serviced before 2009. Also claimed to put home in default because of exhusbands non answer to petition even though they said they removed his name from loan even though i sent in my response.
Consumer complaint received 2017-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Chaplain Financial Services LLC (MI)

I finally spoke to a very rude, unprofessional person from what she says to be XXXX XXXX, collecting for XXXX XXXX. This company has called my cell phone, my mothers cell phone and my husbands cell phone, all of which messages were left. Today she also threatened to sue my son and two other people who she claims are related to me that I have never heard of and told me to 'drop my attitude '. They claim a debt from XX/XX/XXXXunder my previous married name that I have not had used since XX/XX/XXXX, so it 's actually impossible to have incurred a debt under that name in XX/XX/XXXX. They call continuously, and as of today, I will be recording these calls. They have also repeatedly threatened to contact my employer and to serve them as well. The return number that they leave is XXXX. When I call that number I also get a rude female who said 'are you XXXX me ' then 'goodbye ' and hung up. Today the call came from XXXX which does not accept calls. Two days ago it came from XXXX which is not in service, I continue to block, and the calls keep coming from different local exchanges. I 'm sure I have them all in my phone, but would have to search every incoming call to figure out which ones are them. As of now, I will start keeping a log of each call and number.
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

good dayMy name is XXXX XXXX and attend XXXX XXXX where I have a business account to request a machine to collect cards, the contract you sign does not correspond to the contract requested and sent me the bank since that is not my signature. Plus I had understood that the seller was only one year contract and that is signed with my name but not my signature says 48 months. Also the first machine they sent me was not right so ask the right but never refunded me the first collection of the first incorrect.
Consumer complaint received 2022-04-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (MN)

I had taken a personal loan on XX/XX/2022 for {$5800.00} and i paid it off XXXX XX/XX/2022. When my refinance company paid it off {$5700.00}, NET CREDIT told me i still owed {$650.00}. So i sent a check for {$650.00} along with the {$5700.00}. 
i had contacted Net Credit the following week. and the women I spoke with told me they were cancelling the check. This check was cashed ar my bank on XXXX XXXX XXXX i called Net Credit and told them the check was cashed after telling me it would be cancelled. They told me thaT the check was not cashed. I then sent them proof from my bank it was cashed. Then they told me the check was applied to my loan. I have been trying to get a amount of the payoff. they continue to tell me it is paid off. i wan a account statement the amount of my pay off and the amount I paid on interest I requested this 3 times and all i get is the loan is paid off! no amounts ere given to me other then don't worry loan is paid off. It seems really really odd thar they don't want to give me numbers and the {$650.00} checked canceled then cashed.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC (TX)

CB/indigo is a credit card company on my credit report even though the debt says paid on my report this is a fraudulent report. I have never applied for or owned a CB/indigo credit card before. I am asking for this report/collection to be removed off of my XXXX credit report. The report number is XXXX.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

XXXXXXXX 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 2022-04-12
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent is identity theft. 

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 2018-11-02
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 try several times to contact the Equifax to resolve the problem that i have on my file.They take action against me not remove the item after a reporting company request.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

At the request in writing from the XXXX XXXX XXXX, Legal Unit, XXXX, I wired {$30000.00} to a XXXX  XXXX  XXXX  account at Capital One bank on XX/XX/XXXX. The XXXX XXXX XXXX discoverer on XX/XX/XXXX 4 days later, that the account they gave me at Capital One bank was the wrong account, and requested I recall the funds back to my bank, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received a letter from the person ( XXXX ) who received the wired {$30000.00} that the funds were received in her account and she did not know the sender and she will request Capital One to send the funds back to my bank,. On XX/XX/XXXX I contacted my attorney XXXX XXXX who sent a Letter to Capital One Bank and their customer XXXX  and again on XX/XX/XXXX my attorney sent a second demand letter to Capital One bank demanding a response and as of today XXXX, Capital One bank has not responded to either of our legal letters, nor have I received my {$30000.00}, XXXX back. The XXXX XXXX XXXX has contacted the FBI regarding the {$30000.00} issue and I would like Capital One Bank to respond to my attorney demand letters regarding what happened to the {$30000.00}.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Complaint derivative of the following : The Consumer Financial Protection Bureau ( Bureau ) brings this action against TransUnion, TransUnion, LLC, and TransUnion XXXX XXXX XXXX ( collectively, Corporate Defendants ), and XXXX XXXX XXXX ( XXXX ) under the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ( a ), 5564, 5565, the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693e ( a ), and its implementing regulation, Regulation E, 12 C.F.R. 1005.10 ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j ( a ), and its implementing regulation, Regulation V, 12 C.F.R. 1022.136. 

When accessing XXXX I did not receive a credit report from Transunion. Also through the XXXX app to view my Trans Union credit report, I was always required to put in my credit card info although it claims to be a free credit report where I would be charged {$24.00} monthly. 
Upon receiving a Transunion credit alert through XXXX XXXX the notification would point to a change but I always had to upgrade my subscription to access alert provided in email notification.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (PA)

on XXXX I submitted a dispute regarding XXXX XXXX On XX/XX/XXXX Experian replied that the dispute has been updated. Upon review of the dispute, I see that the account is still violating the FCRA and reporting inaccurateDespite written request. Experian has failed to perform a reasonable investigation of my dispute. This is a VIOLATION of the FCRA. This account is reporting inaccurate information, and I have proof attached. If this is not removed ASAP, I will be filing a lawsuit and a complaint with the attorney general. These accounts were NOT verified yet updated to my report. 

Here are the results below from Experian. 
The dispute for the account with XXXX XXXX that starts with XXXX has been updated. 
In firmly dispute this account Experian does not show that I made a payment on XX/XX/XXXX. The balance history that Experian has shows that I paid XXXX dollars. 
Date of last payment is incorrect and inconsistent with the bureaus. Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX Experians balance history showed that I paid XXXX on XX/XX/XXXX, yet the date of last payment is listed as XX/XX/XXXX The date of last active is incorrect. 
o Experian has a date of XX/XX/XXXX, XXXX has XX/XX/XXXX. Why would XXXX tell the bureaus two different things in XXXX??
Consumer complaint received 2017-08-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (FL)

Homeside financial has contacted me to refinance my property around XX/XX/XXXX. I did not initially contact them. I informed them that I had a potential problem on my credit and that I had I had some urgency because my second mortgage was going to expired on XX/XX/XXXX and I would have to pay a renewed fee of {$1200.00}. I had provide them all of their requests and financial information for their review and approval in a timely manner. They told me that they could resolve my credit issue and refinance my property. In addition to that I told them that I would not pay for the appraisal until I am fully complete approved.They promised that they would complete my application on time and that I would be approved quickly after a initial review on my financial and credit report. They would always reply to my communications stating that everything were under control and that I should be approved soon and they requested me to pay for the appraisal. They have also changed to at least 3 different people handling my application - XXXX ; XXXX ; XXXX XXXX. Now we are on XX/XX/XXXX,  They are not longer returning my communications. Fortunate I was able to get an extension to pay my second mortgage renew from XX/XX/XXXX till now end of XX/XX/XXXX but I had to pay {$1200.00} to renew last week. I am also asking Homeside my appraisal refund. They are completely ignoring me at this point. Before I move a civil lawsuit against them I want to try to make a formal complaint with you. thanks for your assistance.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXXXXXX 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 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 a account without my written instructions
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have multiple hard inquiries that are on my consumer report that I did not authorize. I even noticed that the same company names multiple times in the same period as a hard inquiry on my consumer report. I wrote the CRA TransUnion but they sent me back a response that it was verified with no proof of this verification. I am demanding that they remove all of those unauthorized hard inquiries listed on my report that were not authorized. The only hard inquiries that should be on my consumer report that I authorized are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Pursuant to 15 USC 1681 ( a ) ( 1 ), I as the consumer am entitled to an accurate report and the CRA TransUnion has not done that. Therefore they are in violation and are being put on notice for violating the law.
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

This is my 3rd complaint against Ditech Loan Servicing. By the time they answer this complaint the home will be on the market for sale. 

I along with my siblings are the successors in interest of my father 's home. Ditech has been contacted by me several times and my Lawyer as well. My attorney sent a QWR in XXXX and Ditech has failed to answer it. Instead they have forced me to correspond with XXXX XXXX, a Debt Collection Attorney. 

I have not been contacted by anyone from Ditech. I asked their attorney for a person of contact that I could speak to and he did not answer me. I also asked him if he could guarantee that there would be no encumbrances on the title when it went to close, No Answer! 

Ditech sent me a statement with attorney fees added to it. These fees are due to the illegal sheriff 's sale that they attempted in XXXX. They have repeatedly Violated RESPA laws and continue to do so. 

I would like a Qualified Person from Ditech to phone me at XXXX so that I may have some answers to many questions concerning the sale of my Father 's home and his mortgage file. I do not trust Ditech as they have 100 's of consumer complaints as well as filing bankruptcy twice in eighton month 's. 

I am attaching the file of my QWR and Ditech 's latest statement that was sent to my Father and not me.
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (TX)

I sent in my FTC report, theyve been giving me the run around saying they have received it for 3 weeks after sent in date, all of the other credit bureaus received it 3 days after I sent it. I called 3 times to check the last time I called the supervisor would not answer my questions on my account and then hung up in my face without resolving any of the problems I had brought to his attention.