davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
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. (FL)

My information was compromised due to the Equifax data breach. XXXX shows that my SOC and last name are able to be cross referenced with the data that was stolen during the breach. 

So far, I 've placed fraud alerts on all three major credit reporting bureaus and credit freezes as well for additional security, all of which I have had to pay out of pocket for.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

On XX/XX/22 I sent a certified letter to all XXXX credit bureaus about each collection agency listed on my credit report asking for validation of the debt and the method of validation along with my wet signature on the original contract of the said company where I agreed that my information could be sold or given to the credit collection agency. The first time around the only thing I got was a notification that the credit collection agencies met the required FRCA rules and an updated credit report. 

On XX/XX/22 I sent another certified letter to each credit bureau again about the same collection agencies listed asking again for validation of the debt, the method of validation and my wet signature on the original contract. 

None of the disputed accounts have been fully validated and the information I requested has not been presented. I asked that the accounts be deleted if they were not able to verify the accounts properly. This has not been done.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

An electronic payment I made through my bank on XX/XX/XXXX, XXXXwith approximate delivery date XX/XX/XXXX has neither been credited to my account, nor has my payment been returned. 

Previously, payments I made from XXXX thru XXXX were not applied to my account until I inquired. I submitted my inquiry on XX/XX/XXXX and did not hear back from LoanCare until XX/XX/XXXX. 

In the meantime, I made my XXXX payment on XX/XX/XXXX, as stated above. LoanCare stated that I was making payments under an incorrect account number, but I have been making payments under the same account number since XX/XX/XXXX, when my account began to be sub-serviced by LoanCare. 

Proof of payment for each month for XX/XX/XXXX thru XX/XX/XXXX is included. It can be seen that all payments have been made under the same account number. 

I intent to make future payments under the account number indicated in the correspondence from LoanCare on XX/XX/XXXX. However, previous to this correspondence, payments that I made that were neither credited to my account nor returned to me. At no point from XXXX XXXX did I receive correspondence from LoanCare stating my payments were not made under the correct account number.
Consumer complaint received 2017-09-09
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: AMERICAN EXPRESS COMPANY (MA)

Hi, I applied for the American Express XXXX XXXX XXXX card on XXXX XXXX 2017 and got a same day approval. I was expecting to have some expenses and the promotional offer was good ( XXXX Membership Rewards points after $ XXXX spent in 3 months ). 
After I received the physical card few days later, I called AMEX customer service to confirm my sign up bonus and I was told that it does not show up in my account that it was offered for my account. Investigation was opened after a few calls. I made subsequent calls and initiate online chats every week or two to follow up with the issue and finally I was told that the investigation was closed and they could not offer the bonus term to me. The reasons given was different by various customer service representatives and after escalating the issue they forwarded my call towards what sound like customer service manager and I was told that because the sign up is through a third party website ( some blogs hyperlink to american express sign up page and forms ). Even though that there are evidences that signup bonus was offered through third party during that time from various websites, they can not help on providing the bonus offer. I did not have any screen capture for my applications but few friends of mine already got their bonus points after satisfying the sign-up bonus terms while I 'm left with no choice to even make things correct. 

The offer was no longer active since late XXXX. 
Card # XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2017-09-11
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. (DC)

Equifax keeps, stores, and tracks my personal information without my consent and then used insecure computer information technology systems to store this information. This led to the unauthorized disclosure of my personally identifying information to hackers. 

It is unacceptable that I should have to pay to place credit freezes on my reports at all three credit monitoring companies. 

Equifax needs to be held accountable, provide free LIFETIME protection, and pay a significant fine to every affected individual.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NC)

Chase offers a system called " My Chase Plan '' where consumers are able to generate a payment plan for anything over {$100.00}. They also clearly state that plans can be paid off early, wiping the monthly fee. 

I spent XXXX on a XXXX when moving across country, and decided to use the Chase Plan option. I elected for an 18 month plan with 0 % APR but a monthly fee of {$22.00} with the awareness that I could pay this off early.

I then added a few other, smaller plans.

It has since been 9 months and I now have 9 active plans with the XXXX fee being the highest monthly fee. 

I called in requesting to pay the XXXX plan so that I could clear the monthly fee, but they shared that it isn't possible to select which plan is paid. 

I called in a second time and spoke wit ha 4th person, XXXX the account Supervisor in XXXX, MI with Chase Credit Card Services and she told me that the following rules apply : After the Interest Saving Balance is paid in full, any amount paid above that balance will go to : 1. The Highest APR payment ( doesn't apply because the MY CHASE PLANs are interest free, but instead use monthly fees ) Then the payments will be applied in this order of rules : - The remaining number of payments from lowest to highest ( # of months ) - The plan from earliest created to newest ( only after the first criteria is met ) This means that if I were to pay the same amount as the remaining balance on the XXXX plan, it would not be paid and I would still have the monthly fee of {$22.00} tied to it. However, it would end up closing out the payments with the smallest balance and the least amount due which are not my concern. 

When I asked for a copy of this documentation, she relayed that it was on their employee site and could not be shared.
Consumer complaint received 2017-09-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP (IL)

On XXXX XXXX, I submitted a reply to Capital Management Services , LP 's letter received around XXXX XXXX of XXXX, regarding their intent to resolve a delinquent debt of XXXX. This debt was charged off by XXXX. I recall working with Capital Management Services in the past around XXXX, I believe. Then I was XXXX. The debt then went to another collector from somewhere in Texas. The name of the company was XXXX XXXX XXXX XXXX XXXX I was contacted by them around XXXX in the spring. I requested a verification of debt letter. Instead, it appears after two years, they passed the debt back to Capital management. So, this was when I submitted the debt verification letter to Capital Management. They acknowledged receipt of the letter. I have taken pictures of the certified letter I sent. But instead of responding back to me, they contacted my co-signer and told them I was not willing to pay and demanded the full amount from them.
Consumer complaint received 2017-09-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I was affected by the Equifax data breach. I, like millions of others, was not immediately notified and still can not get clear information about how I might be affected, while Equifax executives sold millions of dollars worth of their stock before the public was notified. Now I am spending my own money to put freezes on my credit scores with the " XXXX XXXX '' and am vulnerable to identity theft, potentially for the rest of my life.
Consumer complaint received 2017-09-09
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. (CA)

I appear to be at risk from the Equifax data breach I have requested a credit report from Equifax XXXX via XXXX ) but am informed that it is not available
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX UNAUTHORIZED USE OF CREDIT REPORT Im filling a complaint because Ive noticed trans union is reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to report anything without my consent let alone obtain, furnish, and report completely false and inaccurate information. I've even called quite a few times stating the violations and was given the response that their was nothing that they could do about it.This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining XXXX percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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. (FL)

On XX/XX/2020 all accounts were paid in full. The statement was provided over XXXX times to experian and they have not did their due diligence only accepting message from the credit company and never provided what evidence they were given to substain that the payment was not received or paid in full. They refuse to remove the negative accounts and to date they have blocked me from filing any more disputes from their site. 

Paid XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE 1 INCORPORATION (MI)

I applied and received a conventional loan from Mortgage 1 Incorporated dba XXXX XXXX XXXX XXXX in late 2015 for a Manufactured Home. This was a conventional loan and at the time was pleased with my experience. I am now in the process of selling this home and had made the decision to purchase a new home with the intent to sell the manufactured home. 

The issue I am now faced with is that according to HUD regulations I should not have received conventional lending for this home in 2015 due to the manufactured home having been moved to a secondary location. We were in the closing process with a buyer when their lender and title company brought this to our attention. I have talked to at least a dozen lending institutions, some of which specialize in Manufactured Home loans, and they all have said that I should not have been able to receive a conventional loan on this manufactured home. Due to this coming up during the week we were to close with the buyer they have decided to pull out of the offer. This is forcing us to put the manufactured home back on the market at a discount in the hopes of finding a cash only offer or someone who can qualify for a higher rate personal style loan for the home. If I am able to sell it at this discounted price I will have lost {$20000.00} between the first buyer and any potential buyer. 

Additionally, had I known we would have had re-sale issues we would not have made the decision to purchase a new home at this time or possibly never purchasing this Manufactured home in the first place.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NJ)

Equifax was hacked and the confideitial data that it stored was stolen. How can a company like this allow such a thing to happen? They should be put out of business. This is unacceptable.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

In light of the XXXX breach, I am trying to place a freeze on all credit reports. 
Experian is making this impossible. 
I have tried to access the website/link to do this on their website, but they took the link down. I also tried to call the company, but they are saying there is excessive wait times and I can not reach a person. 
Instead of allowing me to place a freeze on my credit report, they are offering me paid " alert '' services at prices of $ XXXX {$20.00} per month. 
They are trying to take advantage of the situation, and are doing something illegal by not allowing me to place a freeze on my credit report.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-09-09
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. (CA)

I have been unable to implement a credit freeze with TransUnion I have been notified that I am at risk from the XXXX data breach The online credit freeze process failed and I was provided with a telephone number to call I believe the online process failure is a scam because calling the telephone number only gives advertisements for TransUnion 's services which I have no interest in and do not wish to provide personal data for No email addresses are available The telephone numbers listed are only ads I have successfully implemented an online credit freeze with XXXX XXXX and XXXX
Consumer complaint received 2017-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

First let me start with I have been on file noted with the Federal trade as a victim of ID theft and it is clearly noted on my credit bureau files that I am the victim of identity theft, yet I still have all these credit inquiries which are negatively impacting my credit ... I did find out that Transunion about 2 months ago removed everyones credit inquiries and then put them back on, without sending a 5 day reinsertion letter which is a violation of 6.11 of the Fair Credit Reporting Act. I did call in this morning and was on hold with operator, XXXX, at XXXX, XXXX XXXX, XXXX regarding both issues. She is stating she is not able to do anything for me. I did notify her that I would be filing a complaint with both the CFPB and the Attorney Generals Office. 
All inquiries made against my social should be removed. I have not attempted to purchase or open any accounts. I am just finding out about all of this since XXXX and have been desperately trying to fix this disaster.
Consumer complaint received 2017-09-11
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. (OH)

Equifax improperly used my credit report as a credit reporting agency. 

Their faulty security has exposed my identifying personal and financial information to hackers. This has exposed me to potential identity and credit card theft.
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

Amerisave Mortgage will not refund my loan fees even after the XXXX XXXX advised that the same would occur if we could not close the transaction. The refi transaction was suspended due to valid, open, credit disputes which were initiated before the application process. 

A few issues : 1. The XXXX XXXXXXXX, XXXX XXXX, lied when he said that the {$500.00} processing fee would be refunded of we could not close. This was not done and he acknowledged in a subsequent email and call that the fee was not refunded as the appraisal was completed, which the appraisal was not completed ( another lie ). 
2. The XXXX XXXXXXXX, after initial credit pull, never advised that pending disputes with the credit reporting agencies would cause the transaction to pause. 
3. The XXXX XXXX and processor coerced me into closing valid disputes with the credit reporting agencies to close the transaction, which I did where I was able to. I regret the same as the disputes were valid and the disputes processed had a positive impact on the credit scores. 
4. The lender, through a revised loan estimate, had me paying just short of {$8000.00} in origination fees and points for a {$170000.00} mortgage. This seems predatory.
Consumer complaint received 2017-09-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Equifax was hacked. My personal data may have been stolen-they would not confirm. As I try to sign up for the free Identity monitoring they offer they say I must waive my right to any legal action, This is not right. The process to sign up for this service takes too long as well. I attempted to sign up on Thursday XXXX I will not here anything until XXXX/XXXX/XXXX before I can finish the enrollment process, Unacceptable -especially since they did NOT notify consumers of this hack immediately-but almost a month later.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, This complaint is in relation to a credit account this creditor has re-aged ( XXXX XXXX  ) illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica (MA)

I have a direct express account where my ssi an ssdi goes in. I tried to contact them for a week and they keep hanging up on me. I also tried to call and text the two companies that charged me and no response I feel its a fraud company and I dont want them to hit my account again. The amounts are {$82.00}, {$34.00}, {$72.00} and it was taking out on the XXXX on the XXXX of XXXX XXXX and the companies name is XXXX and XXXX.
Consumer complaint received 2019-05-11
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. (MD)

I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains stuck on stupid. I make over {$150000.00} a year, yet XXXX says my credit score is XXXX! Please help ... ... ... ....
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I submitted a complaint through this portal ( XXXX ) in regards to XXXX  XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.