davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Good Evening, On XX/XX/XXXX a representive from XXXX, based in California contacted me about a debt my father owed to them and asked if I could give them his information. They disclosed to me at that time the debt was on his XXXX XXXX. I did not give them any information and hung up. On XX/XX/XXXX the same company contacted my ex wife about the same situation and disclosed the same  information to her. On XX/XX/XXXX I submitted a better business bureau comlaint against the company to which they never responded and sent them an email telling them to stop contacting me and my ex wife. On XX/XX/XXXX a representative from the same company contacting me saying they would stop contacting me and my ex wife. In the email the representative carelessly left a reprimand they sent to another employee about leaking clients information via mass email. The information I received was that the clients were late on their payments and it included every clients email address. I will give you the email should you ask. Then today XX/XX/XXXX. The company sends a tow truck to my ex wife 's address in UT to collect my fathers car, he lives in CA, and gives her roommate a card with my fathers account number for the claim on it asking her roommate to contact my father about the debt. I have pictures of the card as well.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Corvid 19 CARES act clearly states mortgage servers are required to provide 180 days mortgage payment relief and another 180 days mortgage payment relief upon request without penalty or accrued interest. On XX/XX/2020 requested Covid 19 CARES mortgage relief from Mr. Cooper ( Nationstar ) was given 90 day forbearance with balloon payment due at the end of 90 day forbearance period. On XX/XX/2020 sent certified letter to Mr. Coorper ( Nationstar ) to advise Covid 19 CARES mortgage relief requirement and request 1 year mortgage payment relief. On, XX/XX/2020 called Mr. Cooper ( Nationstar ) to request 180 days payment relief and the option for up to 1 year payment relief. Mr. Cooper ( Nationstar ) has denied my request.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX did an account review on XX/XX/XXXX. Not sure why, I have not applied for any credit cards, loans or anything else during the last year. 



XXXX XXXX XXXX XXXX did a credit report on XX/XX/XXXX. Not sure why, I have not had a car accident, requested any information from them, not have I tried to open an account with them. 

All the address that are listed where I lived are seriously incorrect : XXXX XXXX XXXX-sold house in XXXX XXXX The house on XXXX XXXX in XXXX, TX-sold house back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX-have not lived there since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX  XXXX listed twice with two different dates-both are incorrect. Have not live there since XXXX XXXX Not sure of the address it was XXXX XXXX, TX XXXX have never lived in this zip code XXXX XXXX XXXX  XXXX XXXX, TX-I have never lived at this address. This address belongs to my ex sister n law-who has a son who has been known to steal things from family members.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been disputed this account information two many times and the wrong information never get fix it, this account have been discharged after bankruptcy chapter XXXX case # XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

NO USAA PERMANET FRAUD CREDITS PROVIDED. see Review XX/XX/XXXX. USAA fraud department decided it was not fraud. See attatched XX/XX/XXXX Statement. XX/XX/XXXX XXXX  credited {$200.00} & XX/XX/XXXX XXXX  credited {$280.00}. See TOTAL PAYMENTS CREDITS THIS PERIOD {$910.00}. NO USAA CREDITS. ALL MERCHANTS CREDITS. Kindly Note, XX/XX/XXXX SECURITY ADJUSTMENT ( OF ) ** A USAA REVERSAL OF CREDIT. {$120.00}?? {$210.00}?? card XXXX. These MERCHANTS CREDITS WERE CREDITED XX/XX/XXXX. These are NOT USAA CREDITS. card XXXX XX/XX/XXXX {$110.00} usaa reversal of credit SECURITY ADJUSTMENT ( OF ) This was paid by XXXX  XX/XX/XXXX. See XX/XX/XXXX {$200.00} & {$280.00}. SECURITY ADJUSTMENT ( OF ) usaa reversal of credit This was just paid by XXXX XX/XX/XXXX of same month?? Again USAA PROVIDED NO CREDIT NO FRAUD ON ACCOUNT. USAA REVERSES MERCHANTS CREDITS. IF NO FRAUD & NO CREDITS WHY DOES USAA GET TO TAKE MERCHANTS CREDITS LEAVING ME WITH FRAUD??
Consumer complaint received 2017-09-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (SC)

I am currently in an auto loan with a very high interest rate of 22.9 % ; this  loan was acquired in XX/XX/XXXX. I have been currently paying the amount of {$530.00} per month for a XXXX XXXX XXXX on time each month. My hours have changed at work and upon researching my loan, I owe {$10000.00} more than what my vehicle is worth placing me in an upside down loan. On XX/XX/XXXX, I submitted a letter electronically via the XXXX XXXX XXXX 's website detailing the request to lower my monthly payments. An email was sent on XX/XX/XXXX asking me to contact the company via phone because of privacy issues. I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke with an customer agent and she was very short, unprofessional, and completely did not want to aid me in my request. Her reply was XXXX XXXX does not rewrite loans. She offered to give me an alternative lending source, XXXX XXXX at XXXX. Upon contacting this lender on XX/XX/XXXX, I was initially approved and then told they could only help me if I came up with a {$7000.00} down payment because again I owe a total of {$18000.00} and my vehicle is only worth roughly at the highest value of {$8000.00}. I think I was taken advantage of since I had just completed Chapter XXXX bankruptcy and had just been successfully discharged in XX/XX/XXXX resulting in me becoming a victim of predatory lending. I also would like to report XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, GA XXXX ; Phone : ( XXXX ) XXXX ) who seemed negligent to tell me how my loan would work. They assured after successfully completing the auto loan for a year, I would be able to either refinance or trade this vehicle in for a lower price. I initially contacted XXXX XXXX   XXXX in XX/XX/XXXX but to no avail no one is willing to return my phone calls.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In the past few 5 years I 've used Equifax to obtain my credit report and obtain credit monitoring services. I 've now learned that due to a security breach my personal private information may have been made available to criminals. Furthermore, Equifax 's website may or may not be able to confirm whether my private information was stolen or not. This puts me at risk for identity theft as well as other financial losses.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The Capital One XXXX XXXX transfer portal has been down for maintenance for weeks and Capital One has not issued any timeline or communication on when this issue will be resolved. All 17 transfer partners read down for maintenance so award travel can not be booked and this is concerning during the holiday travel season. I reached out to capital one via social media and only response I received was this feature has been temporarily shut down for members but no timeline when it will be working again.
Consumer complaint received 2017-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (SC)

In XXXX XXXX I received notice that all accounts listed on my credit report with Aargon Agency Inc. were all closed and would be deleted from all credit reporting agencies. As stated before I do not have an account or contract with Aargon Agency. There is still an Aargon Agency account reporting on my credit reports in the amount of {$570.00}.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (VA)

I received a letter from Suntrust with the new XXXX stating that they were closing accounts on XX/XX/2022 but these accounts square for people who have a CD account or a retirement account I dont have either I have a regular checking account and a regular savings account so I contacted my local branch and I asked the branch manager about it he ask for my personal information I gave it to him and he told me that my account was not effective I can disregard that letter well I went today I tried making a purchase online and when I contacted customer service she told me that my car XXXX was blocked and that she couldnt unblock it she told me to go to a local branch picking initiation me another car while when I contacted the local branch he tells me that my account has been closed on XX/XX/XXXX my account is still open in active but my car is not but I just use my car on this past Saturday was with XX/XX/XXXX to pull money out of the ATM machine I think thats very unfair and ethical because people have money go onto their accounts and then give a reason why my account has been closed I dont care that they tell us being close it was how it was been done and I believe BB & T needs to be investigated
Consumer complaint received 2017-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc. (WV)

There is a medical bill from XXXX XXXX XXXX XXXX located in XXXX WV on my credit reports in the amount of {$280.00} which is now with Fidelity Collections. I have NEVER seen any physician at this office nor did I authorize any treatment for anyone stating that I would be responsible for any debt. I did contact XXXX XXXX personally and I assumed this was removed from my credit report as he stated he would take care of this with his office staff.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Choice Money Transfer, Inc. ()

There are people working in various Companies such as XXXXXXXX XXXX XXXX XXXXXXXX XXXX, etc.. are not giving back the money which has been sent to various countries for them to calculate their annual foreign XXXX XXXX XXXX compliant report. Besides some one else is using my personal account in sending money.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

I have a collection for XXXX XXXX on my credit report and when i call the company in question to find out what its for they say they have no record of a collection with them but yet its still on my credit report. I have tried numerous times to get it removed from my credit report thru different investigations but have been unsuccessful.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax mishandled my credit report and personal information as well as those of 143 million US citizens/residents by allowing the highly valuable data to be hacked from their servers. They should be held accountable for the liability they have put me in. They should offer lifetime credit monitoring services, not 1 year protection. Hackers are smart enough to wait until the 1 year period is through until they start using the stolen information.Additionally, insider trading occurred as some high level executives sold company shares before these news were revealed to the public. I demand action takes place against this poorly run corporation.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has continued to allow credit inquiries to remain on my credit bureau and I have made them aware both in writing online and over the phone and they have continued to report these inaccuracies even after being provided proof of identity theft has been presented
Consumer complaint received 2017-09-10
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)

There are 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MI)

I applied for a Marriott credit card via JPMC. They pulled my credit report on XX/XX/XXXX. 
I then received a letter from JPMC on XX/XX/XXXX dated XX/XX/XXXX, requesting me to contact them regarding the application ( see attached ) with only " Action Needed. '' I then contacted JPMC upon receipt on XX/XX/XXXX and while going through 2 specialists and numerous security checks that included issues with their systems not being able to text codes, and inputting my social security number, I was then told that there was a discrepancy between the online application SS # and the one on my credit report, could I verify which was correct. There was a typo on the online application. I was then told to hold while they reviewed the application. At no time, was I informed that an additional credit report would be pulled as part of that review nor did I believe they would need to as the credit report on XX/XX/XXXX was the correct SS # and valid up to date information. 
As soon as I hung up with JPMC, I began to receive alerts from the credit reporting bureaus notifying me that a credit report had yet been pulled again by JPMC and because it was within 5 days, my credit score had decreased by 10 points due to this action. I was alarmed and upset as when speaking with the " specialist '' no one provided me the indication that another credit report would be pulled. I understand the consequences/adverse effects this causes to one 's credit rating and if I had the opportunity to say " No thank you '' because the risk is greater than the reward, I would have walked away. 
I then began to escalate this matter through the customer resolution team on XX/XX/XXXX and requested to speak with a manager that called me back on XX/XX/XXXX. While she understood my position, she let me know there was nothing JPMC did wrong, they appreciate and would take my feedback to management and feel free to log a complaint. This is not good business and it is sneaky at best.
Consumer complaint received 2017-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I am being XXXX XXXX and forced to pay for a debt that I did not create. See attachment. Account # XXXX # 1 ) Name the lender XXXX XXXX XXXX received the transfer of the account from prior to XX/XX/XXXX? 
# 2 ) What was the amount of the transfer? Was it a credit purchase or acquisition?
# 3 ) XXXX XXXX XXXX in XX/XX/XXXX transferred the account to whom? Was the account paid for by credit or acquired as in the purchase of the debt? 
# 4 ) XXXX XXXX XXXX informs that they hired XXXX XXXX XXXX XXXX to service the loan and claims to have transferred the loan to a lender, please name the lender the  account was transferred to?
Consumer complaint received 2017-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial Partners (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : Assured Financial Partners File : XXXX Original Creditor : XXXX Account : XXXX Please see collection agency information below. 
First Equity Alliance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

My husband and I had a second mortgage with Rushmore Loan Services. Due to some family illness and problems with the mortgage company that owned our first mortgage, we were behind on a few payments. Rushmore sent us several letters over the course of a few months offering us a lower pay-off amount but we were not able to pay those larger amounts to totally pay off the loan. We kept making our payments. On XX/XX/XXXX, we received a letter from Rushmore titled " Lien Release Notice/Mortgage Debt Cancelled ''. It stated that our debt was cancelled and that the owner of our loan had extinguished our debt and the entire balance of our loan was brought to zero as of XX/XX/XXXX. We later received the deed and never had any subsequent attempts to collect the debt. When we called Rushmore several times to inquire why the debt had been cancelled, customer service representatives continually told us " Congratulations! Your debt has been cancelled. '' No one ever mentioned the words foreclosure or " charge off ''. The words " foreclosure '' and " charge-off '' appear on all of our credit reports. This is causing us to have a difficult time purchasing a new home. We would simply like the remarks to be changed to what WE WERE TOLD - " debt cancelled. ''
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX, TRANSUNION All 3 credit  reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XXXX Equifax removed a charged off account from XXXX XXXX from my credit file. On XXXX XXXX, XXXX Equifax reinserted the information on my credit file without providing me a written notice within 5 business days. This is a clear violation of the fair credit reporting act which states : ( B ) REQUIREMENTS RELATING TO REINSERTION OF PREVIOUSLY DELETED MATERIAL. -- ( i ) CERTIFICATION OF ACCURACY OF INFORMATION. -- If  any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) NOTICE TO CONSUMER. -- If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (KY)

On XXXX XXXXXXXX a credit card from Nordstrom/TD Bank USA was opened in my name with my social security number. On XX/XX/XXXX I noticed it on my report and I have notified Nordstrom, and the major credit bureaus.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

My wife and I now just have to wait to become victims of identify thefts along with XXXX XXXX other Americans for the rest of our lives thanks to Equifax and its XXXX security breach that has been just announced by them as having occurred from XXXX through XXXX of this year. 

In accordance with the recommendations of experts, we have obtained the services of a credit monitoring service and have frozen our credit with all XXXX credit reporting agencies at a cost of {$29.00} per month, each, as well as a fee of {$10.00} each, per agency, to " freeze '' our credit reporting with them. The breach is obviously a separate matter entirely but to have to pay a fee to each of these agencies to freeze or unfreeze credit with them on a service consumers can not opt in or out of seems unavoidable and abusive in light of recent events ( a clear UDAAP violation for those of use working in regulated financial institutions XXXX. 

The CFPB needs to also refocus itself to protecting consumers from UNREGULATED participants in our financial services industries such as credit reporting agencies and others that in additional to selling products also maintain private personal information. First and foremost with regards to " protecting '' consumers the CFPB should look to ensure that these unregulated participants are subject to the same level of scrutiny and audits that XXXX and established regulators like the FDIC and XXXX do in some many areas including cybersecurity with regards to banks.