davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
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: EQUIFAX, INC. (GA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX  XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX  XXXX XXXX, US DEPT ED and XXXX XXXX
Consumer complaint received 2023-01-12
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. (MA)

On XXXX XXXX, 2022 I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : XXXX XXXX, XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : XXXX  ) Its been over XXXX days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I found out today that Capital One Investing ( which was " XXXX '' ) closed my account that I had XXXX and XXXX stock in. I received an email that had a subject line of " Your statement is now available '' -- that was the way that the statements have by sent for many years. When I went to see how the stocks were doing, the email I referred to said that my account had been closed! I called Capital One, and after a long hold, the customer service rep said they had no record of my account and to try XXXX, When I called XXXX, they told me my account had escheated to the state of Ohio. I have no access to any of my statements now. I filed with the Ohio Secretary of State 's office of Unclaimed funds, but I have no idea how my investment lost so much money.
Consumer complaint received 2023-01-12
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. (CA)

On XX/XX/2020, an XXXX XXXX was opened due to " Identity Theft ''. This account does not belong to me. This account is now showing on my credit report as " Paid and Closed ''.
Consumer complaint received 2017-09-15
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. (WA)

As a result of the XXXX data breach, many of those affected have been trying to implement credit freezes either online or through call centers, but have been unable to do so due to high volumes overwhelming the systems. I am one such person.
It is noteworthy that I have never asked any of the three credit reporting agencies to handle my private information, nor have I ever consented to them using my private data to use in their business to amass data and share with any institutions, financial or otherwise, that want this information for their marketing purposes. 

I find it outrageous that I have to pay for their errors. For all I know, their lax approach to keeping my data secure was intentional so that they can profit from our fears by offering their credit monitoring/ID theft protection products back to us. In fact, this should constitute a clear conflict of interest and I believe the FTC should look into breaking them up. 

However, in light of the lack of anything getting done, I ask that ALL THREE credit agencies be forced to offer free credit freezes at this point to all those that 'may have been ' affected by the recent breach. It behooves the government to intervene at this point, particularly as the social security numbers are in fact issued by the government and the agencies obtained them from the government - NOT the individuals.
Consumer complaint received 2023-01-12
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. (CA)

On XX/XX/2020, an XXXX account was opened due to " Identity Theft ''. This account does not belong to me. This account is now showing on my credit report as " Paid and Closed ''.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (PA)

I obtained a 36 month lease from XXXX XXXX XXXX for a XXXX XXXX XXXX in XX/XX/2021 with financing through Chase bank. The lease information was incorrectly filled out with my husband 's birthday instead of my birthday ( lease is in my name only ). Therefore, this account was unable to be added to my existing Chase online bank profile due to the discrepancy. 

I called both Chase online support and Chase Auto Finance and faxed my driver 's license as proof of my birthday to have the information corrected. I received notification on XX/XX/2021 that the birthday was corrected with Chase Auto Finance. 

I then called Chase online support and Chase Auto Finance innumerable times ( totaling at least 8 hours on the phone ) on multiple occasions and no one can fix my problem. Chase Auto Finance says the birthday is correct, there is nothing for them to " fix. '' Chase online support says the birthday is NOT correct and therefore they can not merge the accounts and add this lease to my online profile. 

At one point, it was recommended for me to go to a Chase branch. There is no Chase branch within 1.5 hours of my home. This is an unreasonable request. 

Due to the unreliability of USPS, I have missed one mail payment which resulted in a late fee and likely at a detriment to my excellent credit score. 

Since both parties involved seem unable to correct their mistake, I am hopeful this will help my situation. All I want is for my XXXX lease to be added to my online Chase profile, so that I can make my payment efficiently and on time.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (NV)

XX/XX/XXXX my ALLY checking/saving accounts are frozen and I cant use any of the funds amount XXXX. Im experiencing identity theft and I have other authorized accounts opening and I want the ALLY accounts closed immediatelyXXXX to keep my funds safe. This company as refused to close my account or write out checks in the amount of funds available until I send them a email. The email given was XXXX which I sent the request to close my accounts XX/XX/XXXX. What they requested which I recorded because its odd during a identity crisis documentations Request reads as follows my identification card, social security card, and billing letter in my name which I refused. This ally company I opened in XXXX as never once contacting me? After I have called several times, left voice messages for a supervisor, and have sent a email via the XXXX XXXX
Consumer complaint received 2017-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VEROS CREDIT, LLC. (CA)

Since XX/XX/XXXX I have been paying my vehicle loan and it is too high of interest rate, it 's above % 20 I paid {$5000.00} down the balance is still increasing and higher than the actual value of the vehicle. 
The company makes it difficult to make payments ; in locked out of my web account and they do not have assitemce to get me logged in and every time I make a payment they charge me {$8.00}. 
They raised my payment by approximately {$100.00} in XX/XX/XXXXand said it was for insurance which I took car off. I have not received my tags for XX/XX/XXXX and the police told me my vehicle came up as not registered. 
I am not defaulted in payments however when I have trouble paying on time they call my friends and family and tell them I did n't pay on time and they are trying to get ahold of me. It 's embarrassing and they make it difficult to pay on time. They have already report led to my credit that I was late on a payment.
Consumer complaint received 2017-09-14
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. (IN)

All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the Equifax breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.
Consumer complaint received 2021-02-10
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)

Reviewing and seeing the same results have been so disappointing. I have been sending multiple written requests and the last letter I sent to TransUnion was on XX/XX/XXXX. However, I have not received any response up to this date. Thus, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX {$5900.00} US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: STATE FARM BANK, FSB (TX)

had my phone hacked into tried to call STATE farm to get transaction history they didn't want to provide information after asking for the REP 5 times all I wanted with transaction history. She was so rude to me i couldn't get what I wanted or even any part of the transaction Tried to close account just in case it was hacked but at this point, I don't know what on my account b/c of the above incident
Consumer complaint received 2019-11-08
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. (FL)

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

This company first contracted me a year ago then determined the debt was fraud and sent back to the company they represented. Now they are trying once again to collect this fraudulent debt. Ive already complained to the XXXX XXXX XXXX  again and I am now filing this report here. I have never been to Arizona and I live in Illinois. Apparently they have a new person who cant read a file correctly. I explained that I am not the right person and that I have fraud alerts in all three credit bureaus going back to 2015. They are attempting to collect a debt from somebody who use my name and is currently in prison in Arizona. I want it somehow made a permanent part of the record they have that I am not the right person and they need to understand I will not pay somebody elses debt. I am handicapped in a wheelchair and never leave Illinois. They need to stop harassing me. I am also going to contact her attorney and see if I can sue them for this harassment and mental anguish.
Consumer complaint received 2019-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I have requested my PMI be removed from my account as my LTV is at about 75 % of the original appraisal. My mortgage company Lakeview Loan Servicing or XXXX XXXX asked me to pay for a new appraisal, for which I paid them {$420.00}. They then sent me a letter saying an appraisal cost XXXX and in needed to send them more money at which time they would determine again if that was enough money. I have asked for an explaination as to why the appraisal cost is so high. No body can answer me. They just say they will submit a request to the PMI removal department, which by the way has no phone number. They give me a date for when it will be recalculated by the first date was supposed to be complete in late XXXX. When I did not hear anything from them by Mid-XXXX I called them again and they said they would do the same thing as nothing had been done so far and this time it would be completed the XX/XX/XXXX. I call the XX/XX/XXXX and they said it would be completed that night and to call back in the morning. I called back the XXXX and they put me on hold then hung up on me. I called back an hour later and they told me they would put in a request for someone in the PMI removal department to call me. It is now theXX/XX/XXXX and I have not heard anything back. They sent me a letter saying if I did not submit the additional {$620.00} within 45 days they will refund the money and I would have to start all over.
Consumer complaint received 2019-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GreenSky, LLC (CA)

I have conflicting information on address to use for my online bill payment - Looks like the company is changing the mailing address at the last minute and have not even updated the bill coupon. 

The Statement coupon says XXXX but there was an insert in the bill to mail to XXXX I tried emailing the company at XXXX with no response Worried if I use the address on the payment coupon for online bill pay, they will never receive my payment and I will be marked late and charged 24 % interest. 

Is it really possible they would mail out a statement coupon with the wrong address?
Consumer complaint received 2023-01-12
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. (IL)

I XXXX XXXX am a federally protected consumer who has a right to privacy. I have never given XXXX or any other consumer reporting agency consent to furnish information and or accounts to my consumer report. 15 USC 1681 ( 4 ) states that there is a need to insure that consumer reporting agencies ( XXXX, XXXX, TransUnion etc.. ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies have a legal duty/responsibility to protect and preserve my information and right to privacy. Using, obtaining or sharing my information or furnishing information or accounts to my consumer report without my consent is identity theft and is a direct violation of the law. 

XXXX defines Consumer Report as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for XXXX also states what consumer reports should Exclude : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Consumer complaint received 2021-07-02
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 — Investigation took more than 30 days
Company: RMS-Recovery Management Services, Inc. (GA)

I reviewed a current copy of my credit report and show inaccurate or incomplete information listed. the creditor Recovery Management Services ( XXXX XXXX XXXX Missouri ) alleged balance amount {$1400.00}. I attempted to contact credit and send a wirtten certified document and has not been repiled to over 30 days. I show this alleged account is fuardlent and I never attended any such school or have and alleged debt with Recovery Management Services. There has been on proof of verification and this is a direct viloation of FDCPA. Please deleted account
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I sent {$1000.00} to a friend who resides in XXXX, FL. I used XXXX through my XXXX bank, as usual to make payments or send money for necessary things around XXXX. 
Apparently, I made a mistake I put XXXX on the part where XXXX requests what is the money for. I put XXXX because XXXX is a friend from XXXX. 
I requested a dispute with XXXX bank and they found out JP Morgan Chase Bank blocked the transaction due to the XXXX word written on memo. 
XXXX bank recommended me to apply for a license with the Department of the Treasury XXXX to unblock and release the funds. The application for a license was submitted back in XXXX of XXXX and on XX/XX/XXXX, of XXXX I received the letter from the Department of the Treasury informing me that XXXX has issued a license to JPMorgan Chase Bank to release the funds. 
XXXX bank and myself have been trying to get a hold of the department who handle these cases inside Chase bank but no-one knows what to do or what to say. The persona the money was sent also contacted Chase bank in several occasion and they keep telling her the money will be returned to me. 
Today, again XXXX bank and myself tried to talk to Chase Bank and they don't know what to do or where the money is. I need an investigation because I believe this is not the first time Chase has not returned the funds. This chase bank in XXXX is taking advantage of people who don't know English or don't know what to do to get their money back.. Today, my bank XXXX asked me to file a complaint with you to get to the bottom of this problem.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (IL)

XX/XX/17 was just watching XXXX XXXX XXXX and was concerned that Experian was advertising a product that people could access to monitor the " dark web '', with a fee. and that people affected by their data hack would assume that they could use this service to help mediate their risk. I do n't think they should be advertising credit protection services when they themselves could not keep their data secire.
Consumer complaint received 2017-09-15
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. (CA)

Equifax had a major breach of their security ( said 'security ' was wholly inadequate, seeing as a patch was issued three months before the breach ), which has apparently resulted in my personal credit information being stolen. Then, they waited six weeks to notify the public, and have not acted to adequately inform the public whose identities have been compromised. 
While I do n't have any fraudulent activity on my account yet, I have been unable to get through to the major credit agencies to " freeze '' my credit reporting and information from further unauthorized use. 
I 'm amazed that the US Government is continuing to allow these companies to use our Social Security numbers as an ID, and that we are not regulating the release of that information in a tighter fashion through a key controlled by the citizen.