davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

My issue is with all three bureaus as well as the following collection agencies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.

I sent a letter of verification dated XX/XX/18to all three bureaus, but received responses that the debts were verified as accurate and the accounts remained on my credit report.

I sent follow up letters to each bureau, dated XX/XX/18 asking how the bureaus verified the accounts without documentation bearing my signature. The bureaus failed to enforce the creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX to show proof of any such accounts.

XX/XX/18 I then sent a validation of debt, directly to each of the collection agencies with either no response or responses that were not validations.XX/XX/18, I sent yet another letter to the bureaus stating that the companies havent responded or failed to prove the debt and to date, have not received anything from either bureau!

Today is XX/XX/18! Ridiculous! This all literally started in XX/XX/XXXX and its almost XX/XX/XXXX. Do companies no longer have to abide by the law?
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (VA)

My ex-boyfriend ( and the father of my older XXXX children ) fraudulently opened a XXXX Wireless Account ( and possibly other accounts ) using my Social Security Number and an alteration of my name. I tried disputing the account with XXXX when I first became aware of it in XX/XX/2014, but never submitted the fraud packet to initiate the dispute. I was recently told by a representative at XXXX  that I need to file a police report, but I have no address or phone number for my ex-boyfriend, I only know that he lives in XXXX XXXX County, MD.
Consumer complaint received 2023-03-17
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. (NY)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-07-09
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. (TX)

Experian : you are illegally reporting inaccurate information on my credit report under the FCRA and XXXX @ you are not following there guild lines .enclosed are the illegal documents you are reporting
Consumer complaint received 2020-02-02
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: Experian Information Solutions Inc. (TX)

Someone stole my purse along with my ID and Social and opened the following accounts and inquiries in my name : DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX DEPT OF ED/XXXX # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$4600.00} DEPT OF ED/XXXX  # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX High balance of {$3000.00} XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$310.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX< XXXX XXXX XXXX  # XXXX Placed for collection:XXXX Balance : {$3500.00} Original Creditor : XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-23
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: WELLS FARGO & COMPANY (FL)

Since XXXX of XXXX, I have been disputing my account with Wells Fargo for my Home Equity Line of Credit ( HELOC ). I have sent certified letters, regular mail and called to speak with the representatives of Wells Fargo. 

I have disputed all of my credit reports with Wells Fargo because they are reporting as if the account is currently delinquent and they are not reporting all of the account payments prior to XXXX. This account has been a charge off account for years and each time that I dispute the account it is re-aged as if it were a new delinquency showing as a collection account, not a charge off account. 

I have spoken with a representative of Wells Fargo and informed him that I received a letter back and it stated that the account is still CONSIDERED collectible with an outstanding balance. 

I explained to him that I have read the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCRB ) as well as the Statute of Limitations on filing with a collection agency and the courts. The representative put me on hold to speak with a supervisor and then explained to me that the account is not scheduled for expedited collections but I will periodically receive letters for the balance. 

I requested a letter from Wells Fargo and that they report the account accurately as stating in the FCRA AND FCRB and that I understand that the word Considered is synonymous with may and that Wells Fargo may file with a collection agency or they may not file with a collection agency, which from my understanding violates my rights. The home was foreclosed on and I only requested accurate filing status because it has stopped me from gaining employment due to inaccurate filing on my credit report, which I believe is an intentional act by Wells Fargo. 

I was informed that notes would be taken and forward to correct any misfiling on my credit reports, which has not been done to date.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2018, two fraudulent charges were made on my JP Morgan Chase Reserve Card, through XXXX XXXX, each one for {$400.00} USD totaling {$810.00}. Chase refused to acknowledge these charges as fraudulent. I've since filed complaints with the XXXX XXXX XXXX, XXXX XXXX   of the State of New York, CFPB, XXXX XXXX Police, XXXX XXXX XXXX XXXX in the XXXX, NJ Department of Justice, Local Police in XXXX, NJ ( where I lived at the time ), XXXX, The US XXXX in the XXXX, XXXX Internet Crime, and The XXXX XXXX  of XXXX, and my local XXXX. 

I have investigated this case with the assistance of some of the aforementioned entities for the past 4 months since JP Morgan Chase refused to do so. Chase, by law, is required to cover everything over {$50.00} for a fraudulent transaction. Before I file a lawsuit in small claims court, I would like to give JP Morgan Chase the opportunity to obey the law and give me back my stolen money. 

Incidentally, at approximately the same time, my XXXX account and Chase Private Client Checking account were also hacked, along with two of my emails and other accounts. Both XXXX and Chase recognized these as fraudulent transactions and put the stolen money back in my accounts, yet Chase refuses to acknowledge the two credit card transactions as fraudulent?
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In late XXXX, I was applying to a job online and the application took me to a credit score check which I believed to be part of the application. It turned out it was an ad for a company called Trans Union. Not realizing this was fraudulent, I took the credit test and was prompted for my credit card info ( not for charging purposes, but for one of those " your card will not be charged '' things. ) I entered it, took the test and thought nothing of it until I started noticing these recurring charges on my bank statement for XXXX a month for Trans Union. Having no memory of signing up with them, I got on the phone with Trans Union and asked that they cancel my account. I then looked up their company and found dozens of scam reports on these people. Regretfully, it seems everyone has the same story with them -- took a credit test and unknowingly got taken for XXXX a month. I want to report that Trans Union are frauds and are illegally charging for unwanted services without disclosure.
Consumer complaint received 2022-02-07
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. (GA)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS IN MY NAME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Yesterday, my Travel Rewards VISA ( # XXXX XXXX XXXX XXXX ) from Bank of America ( BOA ) was stolen. Within an hour of discovering this, I reported this to BOA and asked that a fraud alert be put on this account and that I be sent a replacement card. 

I called a toll free telephone number provided on BOAs online banking website about 6 times, but all I got was recorded messages. It was impossible to reach a human being. After wasting about XXXX minutes just trying to get an agent at BOA about the theft of the card, I finally was told that an agent would come on the line. Then I was put on hold for an additional half an hour. When the guy who finally answered came on the line, I told him everything I knew at least XXXX times. He wasted time with chit chat, then proceeded to ask me exactly what Id just told him. After telling him again that I had checked the activity for the card through BOAs online banking website just before I called him and had seen no illicit activity, and repeated everything else yet again, I told him I had to eat dinner and had no more time to repeat the same information Id already provided to him several times, since it took me nearly an hour to get through to him. As far as I recall, the last transaction on this card was an electronic payment from my bank that I scheduled for {$8.00} which BOA should receive today. 

BOA continues to evade its customers and refuse to act on simple requests such as putting a fraud alert on an account that has had a stolen card in a timely or efficient manner, and to replace cards quickly when asked for legitimate reasons. It unfairly burdens its customers with grossly unreasonable, harassing, inefficient and insecure procedures that injure them. In contrast, XXXX XXXX was quickly and easily reached, took the relevant information and said they would mail a replacement card all within a few minutes. The new card should arrive today or tomorrow. 

BOA does not manage its credit cards in a reasonable fashion and its gross ineptitudes put its customers at risk for further injury. This has been the case for years. I have filed previous complaints about it, yet, if anything, these deep seated problems with BOA credit cards seem to be worsening. Just before submitting this complaint, I tried to check the account online for any fraudulent activity. The account was blocked and I could not access it. A message said BOA wanted me to call it, again, to waste more time. I have no more time to waste on BOA.
Consumer complaint received 2018-08-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has rolled over a 24 month CD ( #  XXXX ) against my instructions and now wishes to fine me over {$3000.00} to retrieve my money. The CD matured just 14 days ago at which time I gave instruction by phone to transmit the funds to my linked outside account at another institution. Their web site has no provision for providing the instructions they require to prevent automatic roll over forcing it to be done verbally. I have discussed with Synchrony supervisor XXXX XXXX. He will not reverse the roll over. He says he can not find record of my phoned in instructions. XXXX XXXX confirmed that the phone number he had on file was not current. 

Synchrony Bank has developed a system to prevent customers from closing their accounts without being ripped off by fees termed " Interest Penalties ''. These penalties were allowed so as to prevent customers from obtaining improved interest returns but then changing their minds part way through the term of the CD contract. Instead they are being used to trick customers into keeping their accounts open when they are not wanted or alternatively ripping off those who close their accounts. 

I hope you can resolve this matter for me and also achieve a change that will prevent investor rip-offs of this nature. 

Best regards, XXXX XXXX
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am going through a divorce and lost a job due to layoff. I continued to make payments even when I had no job and eventually fell behind early in 2018. I called CapitalOne to inquire about a reduced payment or payment assistance program in or around XX/XX/2018. I was told by their collections department that they can not offer me any payment assistance while the credit card is delinquent. I brought the card current. I'm now physically separated from my wife and my current jobs combined pay less than the job I lost. I called back to CapitalOne today on XX/XX/2018 and was told since my account is not delinquent there is nothing they can do. If I have a problem with making my next payment then they " may possibly waive a late fee ''. I asked the rep for notes regarding my previous calls for help and mysteriously CapitalOne didn't document any discussions regarding my request for payment plan assistance. This company has no interest in assisting their customers who run into financial difficulties and will mislead them into getting the account current for their own corporate benefit.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Reporting Act ( 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 2018-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I have been working with my mortgage company, Ditech, for several months to remove my PMI from my mortgage account. I payed for an appraisal at Ditech 's direction, only to later be told that the home would not qualify to drop PMI for several months. After the appraisal was completed, I was informed that the PMI would dropped at the loan 's 2 year mark on XX/XX/XXXX. On XX/XX/XXXX, I called Ditech to confirm the PMI had been dropped, and requested a refund for the prorated dates I had paid for with my XXXX payment. The PMI has not been dropped, and I was informed that the PMI was paid for the upcoming month, therefor my XX/XX/XXXX payment would cover my PMI through the end of XXXX, and would be prorated. 
Today, XX/XX/XXXX, I spoke with Ditech again and was informed the PMI still has not been dropped, and that PMI was actually payed for the previous month. They said to expect to pay the full PMI amount for my payment due XXXX XXXX, and then to receive a refund for the prorated amount which would be applied to my ESCROW account. They still have not answered why my PMI has not been dropped, nor have they confirmed a date when I can expect to receive confirmation of the PMI being dropped. 
This process is ongoing, and the initial process was initiated in XX/XX/XXXX. The current date is XX/XX/XXXX. Over 6 months for a process including multiple letters, over 20 phone calls, dealing with over a dozen representatives, and this is after I was initially told should only require a single letter and an appraisal. The original estimated time fame was approximately 3 weeks after my written request was submitted.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

I am in the the process of purchasing a home and a retail installment contract is being incorrectly listed as a secured home improvement loan for {$7800.00} and is also showing as a collection account when it's a charge off account. I called on XX/XX/2018 and I was told the account was sold to a collection company, I called the collection company that bought it and they said they didn't have it anymore. On XX/XX/2018 I called the original creditor Castle Credit company and asked if they could send me a letter showing that it's not a home improvement loan but a retail installment. Castle Credit company then said they would send me something when they had time its like if i'm was going to pay. Because of these discrepancies on my credit report I can not proceed with my home loan.
Consumer complaint received 2022-07-09
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. (MD)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. 

Here is the list of inquiries : Transunion : 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 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

On XX/XX/XXXX I was told by the XXXX XXXX XXXX that my mortgage escrow incorrectly paid both my neighbors and my parcels tax payments. On that day I called Shellpoint mortgage which was my mortgage lender and held my escrow at the time asking them to fix the issue. I confirmed at that time in my Shellpoint escrow online account that they incorrectly paid {$3400.00} for my neighbors taxes. 
I have followed up via email and phone over 20x in the last 3 months and no one from Shellpoint has yet to contact the XXXX XXXX XXXX to get the incorrect payment refunded. 
On XX/XX/XXXX I got confirmation from the XXXX XXXX XXXX that no one from Shellpoint has reached out to request a refund. 
My mortgage has since been switched to a new lender, and I keep following up with Shellpoint with no communication back from them.
Consumer complaint received 2018-08-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MS)

contacted Loandepot in XX/XX/XXXX and requested to pay my homeowners insurance myself rather than having to pay into an escrow account I received a letter from Loandepot authorizing me to do so. Since Mississippi is a homestead state where if you are XXXX years old or a XXXX veteran, I am both, you are exempted from paying real estate taxes. I refinanced the loan in XX/XX/XXXX and closed XX/XX/XXXX, with the first payment becoming due XX/XX/XXXX. My homeowner 's insurance became due XX/XX/XXXX, for 1 year until XX/XX/XXXX, I paid it XX/XX/XXXX, since the closing occurred XX/XX/XXXX, I was obligated to pay the insurance or run the risk of being unprotected until closing which occurred 28 days later on XX/XX/XXXX. Loandepot insisted that I pay the insurance with the monthly note into an escrow account when it was already paid for the year. In XXXX of XXXX, Loandepot began refusing payments and sending my mortgage payments back to me. They sent 3 payments back so I opened a fiduciary account and deposited the 3 returned payments and each payment to date into the account. In the meantime, Loandepot has destroyed my credit by reducing my credit score from XXXX to XXXX by reporting negative and untrue reports. Loandepot is aware that the payments are in a fiduciary account waiting for a resolution to this dispute. This dispute does not rise to Loandepot foreclosing on the property which they are about to do.