davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-22
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. (NJ)

I have submitted a complaint to Equifax with regards to 2 accounts reporting on my credit file that do not belong to me. I have submitted dispute letters and a FTC Form to Equifax with regards to these to accounts. Please remove the following accounts from my credit file : XXXX  opened XX/XX/XXXX XXXX/XXXX opened XX/XX/XXXX The following addresses is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employer : XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I submitted a complaint against Equifax XXXX COMPLAINT ID XXXX ) and they sent me my credit report. There are errors on it, and despite complaining to them prior, and also in my filed complaint, they do not acknowledge that while I have an account, I can not access any information, nor can I access information via telephone. On line, it keeps giving me a message that it is temporarily unavailable, and via phone, they state I am not recognized. In other words, on my complaint they simply pushed a button and sent me my credit report, but did nothing else to resolve the issue. On the phone, I get to the verification steps of loans, and since I do not have any, I answer no to all their questions, and then they tell me I can not be verified. And the credit report shows I do not have loans.
Consumer complaint received 2023-04-08
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXXXXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$780.00} ; XXXX XXXX XXXXXXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX Balance {$4400.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$4200.00}.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I had a medical bill with XXXX XXXX, they sent me to collections thru XXXX back in XXXX for the amount of {$570.00}. This year XXXX this item was sold to XXXX XXXX and they reported me again as a new debt which affected me greatly on my credit report. I created a dispute with Experian asking to remove this item because the same debt was reported twice, the first time n XXXX and the second time in XXXX, they sent the requrest to XXXX XXXX and they denied it. I think this is illegal to report the same debt and start over again so which means that the original medical bill will stay on my report for another 7 years that would be a total of 14 years. Please advice.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

I am having difficulty getting Equifax to change my name on my account. I am a XXXX  man and I have legally changed my first and middle names. After my legal name change, I updated my name with my lenders ( e.g. mortgage company and student loan ). XXXX  and XXXX   updated my accounts accurately. Equifax made an error that made it look like I had no credit history. I spent several hours on the phone with them in 2018 trying to fix the error. Each person I talked to gave me different information about how to fix it. I followed all of their directions and submitted a dispute and mailed in all required documents. I know they received these documents because they confirmed on the phone to me that they have had my name change information since XX/XX/2018. I understood the problem to be fixed, but then this week I was denied a car loan because my name on my ID does not match my name on my Equifax report. I have spent several hours on the phone with them and again have received different advice from each person I talked with. Once person told me that the problem was that I still had my old name on an existing account, but the next person I talked with confirmed that this is not the case and my name is updated on all current accounts. Another person told me that she had fixed the problem and told me I would receive an email confirmation. My old name still appears on myequifax.com and I have not received an email. If this does not get fixed in the next couple of days I will lose my car. I understand that they have 30 days to correct any information. Their position is that they should have 30 days from yesterday when I contacted them with this information again. However, by their own admission they have already had this information for 638 days. I want to give them the benefit of the doubt that this is a bad clerical issue and not an lack of competency in working with trans people. However, when I asked a supervisor about it she acknowledged that they have had no formal training or guidance on working with trans people and she seemed to be confused when I expressed frustration at how often I was addressed as Ma'am by Equifax employees while trying to get this addressed.
Consumer complaint received 2019-10-02
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. (GA)

I applied for a car loan online and was denied. I thought it was a mistake because I've always paid my bills on time. I spoke to someone at the lender 's customer service and he told me I had delinquent accounts. I was confused and went and pulled my credit report To my surprise I saw several things on my report that were not mine. Before reaching out to you all I contacted the police and got in contact with the FTC. I need these items deleted. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IL)

I closed 2 loans with LoanDepot. Not only were these repeatedly delayed which cost me time and money, they were completed months after promised. 

Now I was notified that despite funds being put into escrow to pay my hazard insurance premiums, the hazard insurance premiums have not been paid. It is more than 30 days past closing. I have had to go out of pocket again to pay these insurance premiums so that coverage was not cancelled. 

It took over 2 hours on the phone after calls and messages through their online portal. I was told that a ticket to research the problem will take 3 business days and that there is no one to speak with to pay the hazard insurance premium. 

The agent I spoke with said he spends ALL DAY dealing with complaints just like mine.
Consumer complaint received 2018-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NE)

I requested a full loan consolidation on XX/XX/2012 online at student loan.gov and was advised by my loan servicer Nelnet that it was approved. I was just informed that it was a oartial consolidation. And I had to provide proof that it was a full consoldation even though the Advisor stated that I was approved for full consoldation. 

Thanks, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

I applied for a mortgage refinance back in XXXX of 2020. To this day it has not been approved and is still pending. I provided all the documents that the bank has requested. a few months ago. No one has provided me with any feedback since XXXX. Every time I call they say that it is still pending and there are no updates. 
They tell me that the documents I provide are only good for 60 days. And after 60 days the documents expire. But they take a few months to review and it's a never ending cycle. I provide documents and by the time they review it they already expire.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

since XXXX I been trying to get rid of this inquiry, I been going thru identity fraud and theft for over 3 years my XXXX account was hacked, and this resulted in that me receiving this inquiry for something I didn't apply to I recently closed that account after multiple times of changing the password. and still after several months trying to get this removed
Consumer complaint received 2023-04-08
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX - Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by [ Name of Collection Agency ]. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MN)

Before I purchased round trip ticket on XXXX to XXXX from XXXX, I decided to take advantage of the promotion they were running which included XXXX bonus miles ( after spending {$2000.00} on purchases in the 1st 3 months account open ) AND, most importantly, {$250.00} statement credit " Enjoy a {$250.00} statement credit after your first purchase with the MileagePlus Explorer Card. If you make your first purchase today, your first purchase and statement credit will post on the same statement ''. 

I applied and was accepted and booked my flight on XX/XX/19. I just received my statement and the {$250.00} credit was not reflected so I called, twice. Their response was that marketing won't approve because I didn't go through the correct promotional online path. 

As a consumer, I don't decide what the path is. I printed out the promotion to be sure I had documentation of what the promotional offer was. They will not credit my account with the {$250.00}. I called Chase on XX/XX/XXXX and again on XX/XX/XXXX at XXXX XXXX ( CST ). Spoke with XXXX XXXX. I also sent an email to XXXX explaining the situation to see if they can help since it is their partnership with Chase. 

I am at a loss as to what to do next.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was XXXX* Credit Report ( XXXX ) XXXX CA. I called XXXX  to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call XXXX. The money was clearly deducted from my account and someone has the funds.
Consumer complaint received 2019-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

A few months ago i had changed and increased the amount of principal on the loan. I remember a notification stating that the new changes wouldnt take affect until the next billing cycle. I was unaware that this would also affect my current autodraft. 
I understand it is mostly my fault for not noticing the payment being withdrawn and processed. The account being used for the autodraft is an account only used for this loan and a portion of my direct deposit from my employer to cover the amount. I do not regularly check this account because it has been operating this way for 10 years without any issues. I also have been distracted and very busy with the birth of my XXXX   child. My daughter was born in Colorado and the travel and time to see her has been challenging and difficult. 
I would also like to point out that i believe the attempts to contact me were not sufficient. I had received phone calls from Carrington that were automated but did not state the intention of the call. When i returned these calls your offices were closed. The only mail correspondence was sent certified after the delinquency threatening a foreclosure. I also do not continually occupy the home because of my work and my daughter. 
I have owned this home for 10 years and have never had a delinquency. My credit has been outstanding until this one event. I am in the process of purchasing a new home in Colorado and this has made a very negative impact. My credit score has gone down 100 points because of the delinquency. Please try and make an attempt to withdraw the delinquency from my credit report.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

During the covid crisis people can not pay the regular mortgage payments. Fortunately I can pay my mortgage up to now. 
But Wells Fargo deducted the XXXX $ from my mortgage payment on XX/XX/21 saying that I'm not fully covered. 
I called the company about more than a month ago to call my insurance companies together with them and they confirmed that I am fully covered. 
My previous insurance company was the XXXX XXXX and current company is XXXX. They haven't corrected the statement up to now. 
If you could help me out with that. I would be grateful. 
Sincerely , XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
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: LEXISNEXIS (PA)

New Complaint, I am XXXX Very Bad, XXXX is hurting me causing damages where as i am moving this month and can not let them check my credit due to XXXX dropping my score drastically. It has cause XXXX  and XXXX  not to mention XXXX knowing, my chances are next to none now because of XXXX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to XXXX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law
Consumer complaint received 2023-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (KY)

Towards the end of XXXX and through XXXX, my XXXX and I were both laid off. We applied and sent documents for assistance on mortgage payments over XXXX times. We Kept getting strung along and was told to submit the same paperwork over and over. Finally after a full year of trying, we made sure to stay up to date on our mortgage sacrificing food so that we could feed our newborn because we were told that we needed to stay current. After XXXX  months of continued paperwork faxing, document notarizing and hours of phone calls, we gave up because there was obviously nothing WF was going to do to assist us despite government assistance programs constantly being advertised.
Consumer complaint received 2020-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (NC)

Fair credit reporting act violated. I was not notified of a collection account placed in my credit report. I was notified on XX/XX/XXXX-2020 that a collection account was reported to the credit bureaus. Upon investigation, I was not notified of this by the collection agency prior to it being reported on my credit report. I legally have to be notified in order to dispute/resolve and have the debt validated. I was not given that option. I have disputed the debt with credit reporting agency 's but the debt remains as a negative item with high impact on my credit file while the dispute is being processed. I am also mailing a certified dispute letter, kindly asking them to remove the account from credit reporting until validation. Fair credit reporting laws have been violated by the collection agency. The amount of the debt is {$790.00}
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This noon ( around XXXX PT ) on XX/XX/2023, I was trying to deposit a check with joint recipients ( my wife 's and my names ) to my Bank of America XXXX at XXXX XXXX XXXX. XXXX, XXXX, WA XXXX ) checking account since we do not have a joint account. And a staff whose name is XXXX XXXX refused our deposit request and the person told us it's an exception and told us it's risky to take our check. I feel I was discriminated as my request is pretty normal per this article from you : https : XXXX
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (IL)

XXXX XXXX failed to make the payment to my homeowners insurance company. They lied about making the payment and when it was sent out.They have increased my mortgage payment substantially twice, within 2 months, with no notice or explanation. Calls to customer service result in representatives telling me I will receive something in the mail or that my account has not yet been updated to display the accurate disclosures. XXXX has not properly disclosed its practices as required by the regulations and is making misleading statements to conceal its practices, resulting in consumer harm.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NM)

I bank-wired {$3000.00} USD to Coinbase , Inc. on XX/XX/XXXX. They have not credited this to my Coinbase account, XXXX Their phone customer service does not handle this issue. 
Their online customer service has been entirely non-responsive. case XXXX. 
I confirmed by phone with XXXX XXXX XXXX that the wire was received.