davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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. (WI)

XX/XX/XXXX Equifax ( equifax.com ) continues to refuse to provide a free annual credit report online from the official annual free report website : XXXX I never have a problem receiving my report from XXXX XXXX or XXXX. 

Equifax gives me the message : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service P.O. XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is completely unacceptable. Equifax is requiring I pay to make copies of documents as well as postage & requiring I fill out a form and mail it to them. 

Also on the form they are requiring that I list my social security number and requiring I send a copy of my social security card. 

This is not appropriate & outrageous requirements. 

It is unsafe to send documents by mail with a full social security number printed on it. Apparently Equifax has not changed their security practices after they experienced a major hack & compromise of user data & confidential information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
Consumer complaint received 2019-11-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (KY)

We were one payment behind at beginning of 2019, we had help from loan company in past due to me being out if work several months after XXXX XXXX XXXX. We had automatic payments set up from XX/XX/2919 until car was paid off. CPS states they presented for payment in XXXX and bank declined for insufficient funds, however bank manager states payment was not presented. I have a print out of payments made from XX/XX/2019 to XX/XX/2019. I spoke to Mr XXXX at CPS and stated we could possibly make a payment on XX/XX/XXXX, but my husband VA doesn't come to bank until XXXX XXXX one reason pmts were set up for that date. I am scheduled to work XXXX to XXXX but usually dont get off work until after XXXX. I would call CPS numbers left in voice mails to me only to get the reps voicemail, leave a message and them call me while I was at work and couldn't answer phone. Call back when I can get voicemail leave message, and repeat fir several days until I finally reached Mr. XXXX. Come to find out CPS had canceled our automatic payments with out notifying us. I have billing statements from XXXX, XXXX and XX/XX/2019. On XX/XX/XXXX CPS had the car repossessed, repo rep had no paperwork, would not give phone number, and only stated his name was XXXX and hes taking the car to XXXX XXXX. I called CPS to get automated messages to call back during business hours, called next day and spoke to 3 representative and a supervisor. Supervisor was rude and I dont remember his name. I spoke to a XXXX, XXXX and a XXXX. We were told we could get car back if we paid {$2300.00} plus the towing fee of {$390.00} and what ever the storage adds up to. Was told by one rep we have until XX/XX/XXXX to get car or it goes to auction in XXXX area, another rep said we had one week and car would be sent to auction, We have received no notice in the mail from CPS, I know they must notify us of date, time and place of auction. I know CPS has been fined for deceptive practices and I feel we are a victim of that now. CPS also said payoff for car is {$16000.00} tho all the paper work I have shows {$15000.00}, which means payments we have made have mostly went to internet and not the principal as when we first got the car the principal was just over {$15000.00}.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-21
Product: Credit reporting 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'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below is the name of the company and the date on which I acquired the inquiry. 
XXXX XX/XX/2023
Consumer complaint received 2018-06-10
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. (NY)

Hi I am contacting you in reguards to my XXXX XXXX and experian credit reports  because they are showing fraudulent accounts and credit inquiries that do not belong to me and I would like them removed as I have been contacting these companies none stop trying to get this resolved but have had no success in getting these items removed so I am seeking your help. Let me first start by saying my name is XXXX XXXX XXXX XX/XX/XXXX and I reside at XXXX XXXX XXXX XXXX ny XXXX and I am a victim of identity theft and my police report is inclosed in this letter. I would like everything below to be deleted from my credit report because it is fraud and someone stole my identity I have already notified the IRS and local authorities. Here is the list of items that are fraudulent Accounts Here 's every account on your XXXX   report. Click on the account name for more details. 

See an error? 

You can submit a dispute without leaving XXXX XXXX. Look for Direct Dispute in the details of the account. 
CREDIT CARDS XXXX XXXX XXXX Reported : XX/XX/XXXX + {$370.00} Closed OTHER LOANS XXXX Reported : XX/XX/XXXX + {$220.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX   report. 

XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + National Credit Cards/Airlines ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX NA Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX CO DUAL CARD Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX +  National Credit Cards/Airlines ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

SECURITY CREDIT SERVICES Reported : XX/XX/XXXX + {$2700.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$730.00} Needs Attention Please remove all these items from my report because they are fraudulent and do not belong to me.
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Credit & Collection Corporation (TX)

I keep getting calls from : global credit and collection corporationwith phone number:XXXXto number:XXXXThese calls have been going on for 4 years. I have told them repeatedly that I am not XXXX XXXX and to remove me off their calling list
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX Account Number : XXXX I dont have the full account number but this is whats showing on my credit report. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2018-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WI)

Hello XXXX XXXX XXXX in my previous complaint I request documentation proving that this alleged debt is in fact mine. I requested what is known as debt validation and proof of contract meaning the contract between myself and your company, Also the wet signature signed by me proving that the debt was in fact incurred by myself. Also I see in an attempt to circumvent the FDCA and my personal right to see the debt validation including but not limited to what i have already requested Yo u have decided to sue me in court in hopes of me not showing up and you receiving a Default Judgment. Well I will be showing up to the cort date and I hope to receive the hard copies of debt validation that I am requesting today and have previously requested. I intend to request the judge hold you to the Fair debt collection act standards. I will be bringing both this copy to show the judge and my previous complaint. I look forward to being heard in court. Thank you for your time. Also if you can bring the copy of notice of my rights to dispute this information that you allegedly sent me thank you for your time.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TX)

On XXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

My mom who is XXXX. Was a co applicant on a car loan..I surrendered the car back to wells Fargo XXXX 2013..they resold the car. They keep reporting on my credit that I made payments and kept posting my report as if the loan is still open when it is n't I asked them to remote the entire account because their inaccuracy is hurting my credit I ca n't get another car loan..my mom XXXX and it was her car too
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-09
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: CITIBANK, N.A. (CA)

In XX/XX/XXXX I booked flights via XXXX to XXXX, XXXX. In XXXX, upon reviewing my bank statement I did not recognize a charge of {$2400.00} to my account so I filed a claim to Citi Bank thinking it was a fraudulent transaction. I was refunded the full amount. Later I realized that this charge of {$2400.00} was XXXX, so the trip was canceled. Please keep in mind that I am XXXX years old so my memory fails me many times and it is very difficult for me to keep up with paperless transactions. I called right away to re-book this trip on XX/XX/XXXX so XXXX went ahead and re-charged me with the amount of {$2400.00}. 

Fast forward to XXXX of XXXX when all operations at XXXX stopped due to the pandemic and XXXX canceled my flights and hotel, meaning that services were never rendered. I called Citibank on XXXX to file a claim on this charge from XXXX but they said I couldnt file a dispute again for the same charge. Now, I am not trying to file a dispute for fraud but instead for services not rendered. I keep explaining to Citibank that services were not rendered and the claim should be under the 13.1 claim code. Citibank states that they could not and would not do that. 

After filing for the first time with the CFPB I received a response from Citibank in which they still refuse to help me and would like me to contact the merchant directly or pursue other means which I have to no fruition. When trying to contact XXXX I receive a message instructing me to contact my bank ( Citibank in this case ). I have no knowledge about any other means since Citibank is refusing to at least provide me with other options. It is not right that if services were not rendered and never occurred to not receive any help or guidance from Citibank. 

Thank you.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MA)

I was looking for a new credit card on chase.com ( where I have 2 other cards ). I clicked to learn more details about the chase sapphire preferred card and was automatically signed up ( 1 click ) for a much higher APR than I was expecting.

The link I clicked was for a preapproved card and I assumed that it was going to show me more details about the offer, but instead it just signed me up for the card.
Consumer complaint received 2021-02-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion report of account as derogatory is inaccurate account has been paid in full. TranUnion report of status as repossession is inaccurate. XXXX last reported and last active date is inaccurate.
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

On XX/XX/XXXX, I submitted a request for mortgage assistance to Ditech Financial. Since then, I have been submitting requested documentation so that this can be reviewed for assistance. 
On XX/XX/XXXX, Ditech sent me a letter stating that they have transferred the servicing of my loan to Green Tree Servicing, a company that was a subject of a class-action lawsuit for failing to honor loan modifications that were in the process of being finalized when consumers loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. 

Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. Although they have informed me that the request for mortgage assistance is still in review - they are engaging in dual-tracking by also advising me the the foreclosure sale is still moving forward on XX/XX/XXXX.
Consumer complaint received 2015-08-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I also hold the Capital One business card something happened funny about this situation to cause me to lose my whole bank account cleared my account and took my {$50.00} and would n't open my account said I need to pay {$50.00} again in the corporate office reported that nothing was wrong with my account they had fixed everything back the way it was the bank say I do n't owe them nothing but I have a big amount right there showing that they sell old money and when I 'm clear day old XXXX XXXX card in the name of XXXX,
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had my capital one Mastercard since XX/XX/XXXX and the payment protection plan but was never told of the benefits and I was out of work from XX/XX/XXXX until XX/XX/XXXX. Then thought it was cancelled but it never was. I called in XX/XX/XXXX when XXXX but was never told about unemployment or XXXX protection just hardship. 

I also have a journey card have had for past 3.5 years. I had plan put on that but when I called today it had never been activated. When I called today because I have been out of work still for XXXX and unemployment they said I was never put on and that ca n't get anymore. 

I really need and needed the help to pay with bills and credit cards since had to put food and things on.
Consumer complaint received 2021-02-09
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. (PA)

Hey EQUIFAX, I never gave XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) permission nor the right to report on my consumer report & the fact that these accounts are reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 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. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX ) : XXXX XXXX XXXX XXXX : XXXX