davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

Equifax has reinserted a previously deleted account ( XXXX XXXX XXXX ). I 've attached the information to this complaint. According to the FCRA : Section 611 ( a ) ( 5 ) ( B ) of the FCRA clearly outlines the rules regarding the reinsertion of negative information that had been removed in response to a customer dispute. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers 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.26 ( ii ) Notice to consumer. If any information that has been deleted from a consumers 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. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.27
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (IL)

This account is listed on my credit report as being opened on XXXX/XXXX/2017, for {$450.00}. i did not authorize any purchases to this company ( XXXX ) and this debt collection agency is not licensed in my state to collect this debt.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Dear Officer-in-charge, I am involved in an investment/romance scam. The criminal groomed me to invest in an investment scam, thats when I borrowed XXXX {$300000.00} from the various banks, friends, and insurance companies to invest in this investment scam, it was after I invested in it, I find out it was totally fake. ( Basically, he proved a link to a clone app, which I clicked on ) I thought it was a genuine app, but after investing XXXX {$300000.00}, I later find out this app was cloned to impersonate the real app, as I couldnt log in to see my investment. Ive already lodged a XXXX police report and reported this scam, Report No : XXXX and have advised me that my bank should help me regarding this unfortunate matter. Looking forward to hearing from you.

1. Grooming started on XX/XX/XXXX via XXXX 2. Asked me to buy Bitcoins from the local cryptos via http : XXXX ( scammer made their own fake trade app ) 3. Then ask me to install this app on my smartphone so that I can trade Bitcoins, ( this app was given to me via a link, http : XXXX this was a cloned version of the XXXX trading station app. It was after Ill install the app and try to log in, nothing of my investment was there. 
The following details below are all the transactions involved in the scam : HSBCBank ( XXXX ) XXXX. 
Address. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
SWIFT Code, XXXX. 
Beneficiary account number : HSBC ( PERSONAL ) XXXX Beneficiary Name : XXXX XXXX XXXX
Consumer complaint received 2022-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

After the loan forgiveness was announced, I requested a refund through Edfinancial of over $ XXXX of payments I made after XX/XX/2020, which resulted in my federal loans being paid in full. I received a timeframe of 170 days or more to have the loan balance reinstated and the refund processed, with no written confirmation of any kind to confirm that this request has been received. This is really not an acceptable timeframe at all, especially considering the amount of money they are withholding from me. Additionally, I have spoken with many people who have had their refunds processed significantly more quickly than the timeframe given to me by Edfinancial. There is no reason why Ior anyone elseshould be forced to wait over 6 months to receive a refund for money in an amount of this scale. 

I would be more than happy to attach documents about this issue, but Edfinancial has elected not to provide written confirmation of my request.
Consumer complaint received 2017-04-24
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. (MA)

On  XXXX   XXXX ,   XXXX  , I called  XXXX  to have my telephone ( land line ) disconnected. As can be seen in Exhibit #  1,  the charges for the next month were not due until  XXXX   XXXX ,   XXXX  . However, by  XXXX   XXXX , the line had not been disconnected and the charges became due. I had to call  XXXX  again to have the line disconnected.     The following month, I received a bil l ( Exhibit # 2 )  showing that my account was delinquent. I called  XXXX   ( one  of their countless, undertrained & incompetent representatives ) to complain that it was their negligence, not mine, that had caused this mistake. ( At the time of this call, the representative refused to let me speak to a supervisor when it became clear she did not know what she was talking about ). They refused to make any changes and I refused to pay the bill. In  XXXX , I received yet another bil l ( Exhibit # 3 ).      Also, later in  XXXX , I received a collection notice from  XXXX   XXXX   XXXX   XXXX   ( Exhibit # 4 ).  In response, I sent a let ter ( Exhibit # 5 )  explaining why  XXXX  was in error and that I refused to pay the bill.     There the matter rested until this month, when a routing credit check revealed that that  XXXX  had reported my account as a delinquency  ( Exhibit # 6 ). As a  result, my  credit score  has plummeted from  XXXX  ( in  XXXX ,   XXXX  , I purchased a new car and was told that my credit rating was " the gold standard ''  )  to  XXXX   ( Exhibit # 7 ) . This is a result of  XXXX  's vindictive pursuit of a debt I do not owe.     I would appreciate any assistance that could be provided in removing this stain from my credit rating.      XXXX   XXXX
Consumer complaint received 2023-01-28
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. (SC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX Balance : {$7100.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXBalance : {$540.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXBalance : {$1000.00} ; XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXXXXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

It is ridiculous that as a consumer i have to pay to freeze my credit. There 's no reason i should be paying, especially when outside businesses are the ones making errors letting personal info get out. A credit freeze and unfreeze should be free.
Consumer complaint received 2017-09-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Dear Sir ; I applied for a line of credit on my house that i lived in since XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX. My house was paid off in year XX/XX/XXXX free and clear. About 6 years ago i applied for this line of credit from XXXX XXXX XXXX. When i applied my self and my Investor XXXX XXXX XXXX new this bank agent i completed the paper work and we all left the bank including my nephew that lives with me. He was my witness to me filling out the loan papers.I did not hear from the bank about my loan for a long time. As time went by i called the bank and got no answer about my loan. I turned it over to the F.B.I. they investigated this XXXX XXXX XXXX and locked him up for running a XXXX  XXXX he is in the state of florida jail.J.P. MORGAN bought the XXXX XXXX XXXX. 
I went to the J.P. Morgan bank and told them that i lost all my paper work for my loan, so the person printed every thing pertaining to my loan. The application was CHANGED to show that i made {$10000.00} a month and that is why the bank approved the loan and made the check out to XXXX XXXX XXXX, he was making the payments. I never saw the check in the amount $ XXXX.Would you be so kind to look up on the internet, XXXX XXXX , click on to the XXXX year old man that lost his house. THE BANK STOLE MY HOUSE. I am in touch with the F.D.I.C. about this check. I talk and email Special Agent XXXX, he told me that they located this bank agent and this case is a on going investirgation. would you try and help a XXXX year old man to get his house back. I have all the bank papers that they FALSIFIED. THANK YOU, XXXX XXXX XXXX.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I submitted an application on XX/XX/2020 for an auto loan at XXXX XXXX XXXX XXXX and a notice was sent out that they denied me on XX/XX/2020. On XX/XX/2020, there was another application submitted without my knowledge with also my stepmothers name and information on it and a notice was sent out on XX/XX/2020. I am trying to figure out how another application was submitted with both of our information on it and I repeat I have no knowledge of this and my stepmother says she also have no knowledge of this. I also have the documentation as proof.
Consumer complaint received 2022-09-08
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: Credit Karma (TX)

Credit Karma repeatedly sent me emails that my score went up and that I qualified for several credit cards and secure cards to which I would apply to be denied and then find out that score I was provided with was not matching the score from 3 credit bureaus and XXXX, now I took hits to my credit applying under false pretense.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NJ)

This complaint is in reference to the advertisement provided by Chase in the mail to XXXX that will provide {$300.00} to open a checking account with direct deposit. In the previous complaint filed, Chase submitted a copy of a XXXX advertisement that provides {$600.00} as a a bonus in opening a checking account and restricted having a joint account to receive the bonus. 

I am referring to the XXXX advertisement and the XXXX advertisement that Chase provided. Chase could not produce the XXXX advertisement that involved the bonus of {$300.00} with the only restriction that a direct deposit be linked to the account, which is what I opened at the XXXX XXXX XXXX in XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

According to XXXX my credit information has been possibly leaked due the recent data spill. I never consented the right for credit agencies to store my personal information in any form, thus the leak of my information is entirely upon them. To potentially stop identity theft I tried to freeze my credit inquires but it seems that the websites wo n't allow me. Upon calling their centers I was informed that I would have to pay for the freeze which should NOT be the case. This is due to their negligence and they wnat money form me to resolve. This is completely unacceptable.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have spent three years going around in circles with my mortgage servicer Select Portfolio Servicing. The day my loan was transferred to them they put a Notice for Sale on my door. After fighting back I was able to get them to try and consider me for a modification and then they tried to sell my house out from under me again. I qualify for the DOJ modification settlement, I even received a letter with an offer while my loan was with XXXX XXXX XXXX. I immediately accepted the offer which included principal forgiveness and sent in all of the paperwork. Instead of saving my home my next correspondence was a Notice of Sale and a letter saying my loan has been transferred to Select Portfolio Servicing. This has been beyond frustrating. We have sent in hundreds and hundreds of documents to SPS, but still three years later they have never actually completed a review of our information. They have assigned and re-assigned and changed our point of contact a minimum of 10 times, and have been less than forthcoming in the letter that they sent to us after we got our Congressman involved regarding why this has happened. We are not asking for anything for free, we just want a chance to resolve this issue and get into an affordable monthly payment. 

I have worked XXXX for 35 years. Due to the consolidation of the XXXX, XXXX XXXX, economy etc. the pay for on XXXX began getting cut. This coincided with my property value tanking. At that time I was in a predatory adjustable rate 40 year loan with XXXX XXXX XXXX and I tried to get some type of help. I went to homeowner events, I called in, I tried to apply and made no progress. Finally I was laid off and then could not make the payment and after I fell behind XXXX XXXX XXXX started to pay attention. I was ecstatic when I received the letter that I qualified for the Department of Justice modification program which included principal forgiveness and immediately got the requested documents to XXXX XXXX XXXX and hoped for the best but instead got the worst, as I had mentioned above. A sale date and a transfer to Select Portfolio Servicing. 

I know I qualify for government programs, I know that the investor is participating in these programs so why does SPS put up so many roadblocks? I am working full time, my husband is working full time and we have boarder income as well. I know that we fit the criteria for help, our one obstacle is SPS. I am pleading with your organization to put SPS on notice and push them to make this file a priority and work with me to help us save our home. We will provide whatever additional information is needed in a timely fashion, but we need SPS to stop playing musical chairs with our point of contact and to actually COMMUNICATE with us. We can afford a reasonable payment and we have taken good care of this house and want to stay if we are given the opportunity.
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

This company has received a check from my insurance company after the car was total loss. My balance has not updated. Also i have received information that i was a part of a law suit and should be compensated from this company and no one at the company will assist me. I have had repeated harassments, excessive phone calls, threats from an agent while trying to resolve issues with this account. Due to incorrect credit reporting and being involved in this lawsuit due to predatory lending practices this account should be removed from my credit report on all bureaus
Consumer complaint received 2017-09-13
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. (GA)

I want the ability to freeze and thaw my credit reports from the main credit bureaus without having to pay for a service. I believe having access to control my credit information should not be held captive by subscribing to a monthly service or paying XXXX time fees. It is overly difficult to process simple requests like this without using aforementioned paid services.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (AZ)

I was the victim of identity theft on XXXX XXXX, XXXX when someone used my personal information to purchase devices and services from XXXX XXXX online. Since I am not a XXXX customer and never received any bill in the mail I did n't find out about the fraudulent charges until it appeared on my credit report a year later. As soon as I found out, I contacted XXXX Fraud, filed a police report, and submitted the necessary paperwork to the tree credit bureaus. On XXXX XXXX, XXXX XXXX Fraud sent me an email stating that after their investigation they determined that I am not liable for the fraudulent charges. However, two weeks later I started receiving phone calls and a letter in the mail from XXXX XXXX, a collection agency form XXXX, TX. When I talked to them on the phone and explained that the case had been closed, they said that XXXX had just submitted the claim for collection on XXXX XXXX, XXXX, which obviously makes no sense. So, it appears that XXXX is trying to make money by illegally pursuing a non-existent claim. They also added a " collection fee '' of {$150.00}!
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

In XX/XX/2021, I saw that those items were being reported and sent out a formal affidavit to all bureaus to have these fraudulent items removed. As of XX/XX/2021, I notified LEXIS NEXIS, XXXX, XXXX, and XXXX of unlawful and unauthorized reporting of unknown inquires and chapter XXXX bankruptcy being reported on my credit reports with all aforementioned bureaus. I have provided proof below.
Consumer complaint received 2017-04-24
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. (GA)

I have been dealing w/ XXXX ,  XXXX  and Experian for the last six months regarding four accounts that are presently on my credit report. I have provided information to  XXXX  which advises me that they obtain their information from a third party agency. I obtained the third party division that that  XXXX ,  XXXX  and Experian advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however  XXXX .  XXXX , Experian continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,  the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since    XXXX   XXXX    however there is no dollar amt attached.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately.I had two late payments on account that I was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy.This account has not been on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments.If this information can not be verified I demand these payments be updated to paid on time immediately.Thank you for your understanding and prompt action.