davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. US DEP XXXX XXXX {$3700.00} DEPTEDNELNET XXXX {$4000.00}
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

had a vehicle through Prestige Financial services. It was repossessed back in XX/XX/2011.I tried to fight the company in court because they knew the engine had been bunked when we first purchased it.Fast forward I got a garnishment. The whole time that I have had this garnishment this debt has been reported on my credit report as late. how is that when it automatically comes out of my check twice a month.
Consumer complaint received 2020-10-19
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. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-08-19
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX DEP XXXX XXXX {$3700.00} DEPTEDNELNET XXXX {$4000.00}
Consumer complaint received 2018-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

This has to do with a XXXX XXXX Credit card that was paid over 10 years ago when after it was with a different collection agency, and they are trying to collect after the legal time allowed. There are many complaints on this company. I called them and told them to stop contacting me and they said they would not. Portfolio Recovery Associates needs to stop this behaivor
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (GA)

During the months of XXXX, XXXX and XXXX I have consistently notified all three credit reporting agencies that the name and negative credit information on my credit report belongs to someone else. I personally believe they are ignoring information such as : SS #, Address, account # s and the name and information of someone who has never appeared on my credit report for over 30 years of my life is now being added to my credit file on a monthly basis. I dont know who this person is and I have disputed these illegitimate entries but I truly believe the credit reporting agencies are purposely gathering false information or purposely not ensuring they have the right consumers information.
Consumer complaint received 2019-05-23
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. (CO)

Disputes for identity theft on a XXXX XXXX credit card account ( account number unknown ) opened in XX/XX/XXXX on my EQUIFAX credit report via US Mail were sent in mid-XXXX and early-XXXX but were not responded to. Disputes online in mid-XXXX, late-XXXX, and early-XXXX were completed but ruled against my favor without any additional information or verification of the debt being legitimate. The account was opened before I reached the age of XXXX and was the result of identity theft that was discovered when I began university in the Fall of XXXX. I have repeatedly demanded the credit bureau remove the account from my report due to this fact, using FCRA 605B as the legal precedent in my demand. I submitted my disputed with the FTC Identity Theft Affidavit in all cases. They have refused to take action on the account as legally required.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OR)

on XX/XX/XXXXan ATM withdrawal of {$300.00} on XX/XX/XXXX an ATM withdrawal of {$200.00} on XX/XX/XXXX, a charge of {$2900.00} at XXXX All charges on XX/XX/XXXX were done in XXXX XXXX, Florida. Chase texted me asking if they were fraud and I replied back as yes since I live in XXXX Oregon. I asked Chase to credit my charges which they did on XX/XX/XXXX. After Chase fraud dept looked at the case, they reversed the credit back to a charge on XX/XX/XXXX. Someone fraudulently changed my address on the chase website to a XXXX XXXX, Florida address. I am trying to prove to Chase that someone changed my identity online and through the USPS to a XXXX XXXX, Florida address.
Consumer complaint received 2020-07-17
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. (TX)

XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago
Consumer complaint received 2018-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AL)

I just ran my credit report for the first time last year and this is how I made the discovery that my identity had been compromised. I have filed a police report with the XXXX police department. You can contact the XXXX police department for verification. I have never lived at the address the creditors have listed on file nor was I living in XXXX al at the time of service.. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) collections department {$400.00} date opened : XX/XX/2017 account XXXX
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One card that is reporting to my credit as an " Authorized Account ''.

I have no knowledge of this card, i have called the company several times including today and they said they could not help.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During the months of XXXX, XXXX and XXXX I have consistently notified all three credit reporting agencies that the name and negative credit information on my credit report belongs to someone else. I personally believe they are ignoring information such as : SS #, Address, account # s and the name and information of someone who has never appeared on my credit report for over 30 years of my life is now being added to my credit file on a monthly basis. I dont know who this person is and I have disputed these illegitimate entries but I truly believe the credit reporting agencies are purposely gathering false information or purposely not ensuring they have the right consumers information.
Consumer complaint received 2020-07-17
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: DISCOVER BANK (TX)

I have repeatedly advised Discover that I was a victim of Identity theft and even provided w police report. Discover advised that because their name was not listed they could not use it. The identity theft was brought to my attention due to applying for residence and being denied due to an eviction which led to a judgement being placed on my credit. I found that someone fraudulently obtaining a lease in my name which can be verified with XXXX XXXX and the police report. This led to me pulling my credit reports as I filled a police report and after began closely examining my credit card statements ( as I never did only paid them without looking at the activity ) where I came across alot of fraudulent activity and immediately contacted my current credit card companies as I was still in possession or possibly lost/stolen. I have been hospitalized and then placed in XXXX due to Exacerbation/Relapsing with my XXXX XXXX brought on by the stress of this situation where I loss the use of my hands. I am currently receiving In home Infusions due to the impacts of this stressful situation ( new brain lesions, increase cognitive impairment, numbness etc ). I am tired and will not allow this to kill or permanently impair me. I had submitted emails to them and even talked to reps and NOONE seems to care
Consumer complaint received 2018-02-25
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: Experian Information Solutions Inc. (CO)

There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALTERNATIVE DISPUTE RESOLUTIONS (MO)

Received a call from a restricted number, so I let it go to voicemail. 15 minutes later I get a call from my wife telling me she received the same call and it was from an Independent Process Server named XXXX XXXX, from XXXX XXXX County. She was informed I would be served papers tomorrow, and if I had any questions to call XXXX and provide the case number she left. 

I called the number and a woman answered and asked how she could help. I stated I received a call from this number. She said that they do not make outbound calls. She asked if I was given a case number, which I proceeded to give her. She said since the papers were set to be served tomorrow, she'd have to go grab the hard copy and put me on hold. She came back and wanted to verify my information starting with my Social Security number. I informed her I would not give this information, and started asking questions about her company. She became very defensive, but did tell me the name of the company was XXXX. I said I couldn't find any information on the company when searching by name, or phone number, and she said " that's how you know its not a scam. '' I proceeded to tell her it was a scam, so she told me good luck with my papers being served tomorrow. 

I called back 15 minutes later, after doing more research. A different, male employee answered this time. I asked for the address to the company, which he said was XXXX XXXX XXXX, XXXX, TX, but I did not catch the XXXX XXXX. He also made it very clear that they do not make outbound calls from this number. I disconnected shortly after. 

From what I can tell, a fake Process Servant calls from a restricted number and basically tells user they will be served papers tomorrow unless they call the XXXX number her/or she provides. Forcing you to call the " debt collector. '' Bottom line, I have NO debt in collections, or close to it. This is a complete scam
Consumer complaint received 2017-07-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (NY)

On or about XX/XX/XXXX, I opened a certificate of deposit with Discover Bank under the XXXX XXXX XXXX promotion. I was supposed to receive a {$50.00} credit for depositing {$2500.00}. The credit was never applied. I have contacted Discover Bank over the last 6 months several times and was promised that the matter would be investigated. I received no response. On or about XX/XX/XXXX, I contacted Discover Bank again and received a response from XXXX, stating that I did not meet the funding requirement of the promotion and that I needed to fund {$2500.00} in one transaction. I deposited two {$1200.00} deposits, two weeks apart. I advised XXXX that the terms and conditions of the account and the promotional flyer did not specify that the {$2500.00} must be funded in one transaction. I request CFPB assistance as I have not been able to resolve this matter directly with Discover Bank.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I did not request unemployment benefits from the state of Colorado. I received a pre-paid credit card from US Bank Reliacard in the mail XX/XX/2020. It doesn't even have my name written correctly but I was issued a card with instructions for activation. I did not set this up. When I call the Reliacard number I have been on hold for over an hour and still can't reach anyone. When I call back they have a pre-recorded message about wait times for over an hour. I have called the Colorado Labor and Employment office and have been on hold for over an hour. On their website they have a section to report false unemployment benefits but it asks for the violator 's specific information. I don't know who is trying to set up benefits in my name but I can't report on an unknown violator. There has even been a news article highlighting the fraud in these fake Reliacards. I feel frustrated that I can not talk to a human and resolve this issue that I did not initiate. I put fraud alerts on my account through the credit reporting agencies. One of the agencies, XXXX, said it could not set up an alert on my account at this time. It shouldn't be so difficult to cancel an account or make sure your identity isn't being stolen or used fraudulently.
Consumer complaint received 2018-02-25
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. (CO)

There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: POPULAR BANK (NJ)

Completed online application on XX/XX/17 for a checking account at XXXX XXXX XXXX. The nearest branch is over 30 miles away therefor I opted for the online application which I was eligible for since I am a NJ resident. After submitting all the detailed information, I received a message that I must apply in the branch.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MI)

Hazard insurance was placed on my home in early XX/XX/XXXX. I had allowed my homeowners insurance to lapse, I take complete responsibility for this issue. 

I acquired my own homeowners insurance again effective XX/XX/XXXX. As Ditech is adamant about communicating with them via their website ( and I had a copy of my proof of insurance available in electronic format ), I uploaded a copy of it via the Homeowner Assistance > Upload Documents portion of their website on XX/XX/XXXX. That day I also submitted a message to them via their website indicating that insurance had been purchased and asking what else I needed to do to remove their lender placed coverage and square my account. 

No response was received to my message via the " Message '' portion of their website. However, while I was on hold with their customer service today I did receive a response to my personal email account indicating that in order to modify my insurance coverage I must either : 1.  MAIL a copy of the proof of insurance to Ditech or 2. FAX a copy of the proof of insurance documentation According to the first phone representative I spoke with " Insurance documentation must be mailed or faxed per regulations. '' ( seemed odd ) According to the second phone representative I spoke with " Insurance documentation must be imaged in a particular way per Ditech policy and these documents can not be accepted via our website. '' Although they can collect proof of income and tax information via their website...? 

Finally when I asked to speak to someone who could explain the absurdity of the insurance paperwork " policy '' and the 10 day response to my email I was informed of the following : 1. Because of the status of my account ( I am behind because of the exorbitantly priced hazard insurance ) I would not be allowed to speak to a customer service person because my account would be routed directly to a collections agent. 

2. No one was actually available to speak with me regarding my website concerns because " they were all in a meeting '' ( funny - every time I talk to a mortgage company all the supervisors are always in a meeting, together, in the late afternoon... ) I'll mail them a copy of my document. But this absurd insurance document handling policy seems incredibly galling for a company that is adamant about sending all statements and notifications to me via their website.... 

Thanks, XXXX XXXX
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I disputed an account with Equifax reported by XXXX XXXX XXXX, and XXXX. I was informed on XX/XX/2020 that the item was deleted from my credit report. Now I have discovered that the items has been reinserted on my credit report. Also, for your convenience and for your reference, I included a copy of proof and previous correspondence.
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (MI)

I suffered a total fire loss on XX/XX/XXXX which burned down my home, our vehicles and everything I've ever owned. 

My property insurance company made a first claim payment of {$100000.00} which was recieved into restricted escrow at XXXXXXXX XXXX 

XXXX XXXX  released XXXX {$49000.00} to initiate the rebuild to my contractor. 

XX/XX/XXXX my mortgage was transferred to XXXXService Mac, LLC XXXXServiceMac has a Loss Draft Dept. that is suppose to service this escrow but did not receive any of the documents or records associated with it and required me to resubmit and verify my loss, half way through rebuiling my home in XX/XX/XXXX ServiceMac can not account for the restricted escrow which should still have ~ {$58000.00} A second insurance payment was made in the amount of ~ {$56000.00} There should be a total of XXXX {$110000.00} in this account but the automated system and requests for written accounting all show {$00.00} dollars. 

I have contact XXXX Customer Service department 8 times over a 10 week period to complain yet XXXX claims they have no oversight of the Loss Draft Department and will not therefore mediate my complaint. 

ServiceMac will not communicate what they require of me when documents are not sufficient or include unknow errors. 
ServiceMac will not explain the minutia of errors even after receiving 4 iterations of the so called errroneous documents ServiceMac has never called, written nor emailed a single piece of communication concerning my restricted escrow, my claim nor any updates on status. 
ServiceMac has not conducted an inspection ServiceMac still has not accounted for the entire restriced escrow ServiceMac has been disrespectfully of my family being without a home in that as of XX/XX/XXXX they will not exercise expediency in resolving my request to pay my contractor nor make a written accounting of the escrow funds they hold for my loss.
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

I would like to file a dispute for the following on the grounds of financial hardship. I was unemployed for an extended period of time while living abroad for work. 

I have since returned to New York and not missed payments and am working to rebuild my finances and return to good standing with my creditors and the credit institutions. 

If possible to forgive these I would be so very grateful. 

XX/XX/XXXX Late fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX XX/XX/XXXX Late Fee - XXXX