davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (GA)

Please remove these inaccuracies on my report it has been months and I have not been notified by neither of the bureaus investigation results into this matter this is extremely frustrating and not fair to me please investigate and remove these inaccuracies
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

When calling the creditor to discuss, I am not getting an answer. I was never reached out to by the bank, nor the creditor about this " charge '' alone, even prior to the account being sent to collections. The account was not an active account.
Consumer complaint received 2021-09-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I have disputed several times with the Credit bureau in regards 2 student loans that does not have the complete account number but were on my report as charged off and collection. After several letters asking them to please provide prof that those account belong to me XXXX is the only bureau still have negative information on my credit report. I reach out department of education and ask about these accounts, they could not verify the account and ask for letter that XXXX asked to get from Creditor but they could not provide any since no accounts were related to me. Went back with XXXX and their agent are the worst customer service even when I ask for a supervisor to ask for a complete account number but they would not give it to me I log in online and the account is incomplete, received a report still incomplete. How they could verify and have these accounts if they are not complete and is been causing damage to my life.
Consumer complaint received 2019-06-05
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. (DE)

I have a credit freeze on with all three reporting agencies due to leaked personal information by several sources. I used to be able unfreeze my credit by using my pin but can no longer do that and I've had nothing but trouble trying to get into my account with Equifax due to errors they made with my personal information. 

Per their instructions back in the beginning of XXXX, I faxed a letter with the corrections to be made. After not receiving a response, I called multiple times over from XX/XX/XXXX through XX/XX/XXXX trying to get the information corrected. It took over seven phone calls to Customer Service and Global Consumer Care to find out that while they did receive my letter back in the beginning of XXXX, they never updated the information. All but one piece has been updated - I can not get anyone at Equifax to correct my email address so I can reset my password on their website. Every time I call, their system is down for 'upgrades ' and I'm to call back 24 hours later. I even sent message through XXXX trying to get assistance. 

I would like to know if their customer service center is even located in the United States. I cringe at the thought of a foreign  call center knowing my personal information. Equifax should have been shut down after their proven failure to provide adequate protection of sensitive personal information.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I opened an account with SoFi on XX/XX/2024. I received a deposit of XXXX from my employer. I then attempted to link a friend 's account to transfer funds. Shortly after this, my SoFi account was frozen, and I was informed by the internal review team that my funds would be frozen for an undetermined amount of time. I spoke to the internal team and they were extremely rude and refused to let me speak to a manager and provided no additional support.
Consumer complaint received 2020-07-22
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)

XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  NY XXXX For XXXXXXXX Experian & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These inaccurate accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
You state that the information being sent was not sent by me, which I am the one writing this request and youre refusal to honor it is in direct violation of the law! 
XXXX XXXX XXXX  ACCT : XXXX AMT : {$760.00} XXXX XXXX XXXX XXXX : XXXX AMT : {$1600.00} XXXX XXXX XXXXXXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX XXXX   ACCT : XXXX AMT : {$7700.00} XXXX XXXX XXXX   ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXXXXXX  XXXX   XX/XX/XXXXXXXX  You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX My current and most valid up to date address is : XXXX XXXX XXXX. XXXX XXXX NY XXXX. You are reporting inaccurate information that should be removed immediately. 

I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX  Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX  XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2016-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

In 2009 I lost a job that I had for about 20 years. I found a job 3 months later making XXXX less so I got behind on my mortgage so I ask for a modification they did in but the payment went up I told them that it will be hard but it took a long time and I hired a attorney to help me he drag it along for over a year then I did n't hear from the attorney then I found at he was suspended. So I had to do it myself I think they took advantage of me. Then I ask for another modification because I was struggling they did it went hire I struggle they did another one it went to XXXX over XXXX more then what the original payment in 2009. I thought that when you get a modification the payment go down ( am I right ) so I have gotten behind and they will not help me that 's why I am turning to you guys for help we took in my father-in-law he is retired because he has no place to live and we took in my daughter and he XXXX baby 's so was in XXXX relationship. So all the bills went up I am looking for help so I do n't lose my house my son is upset because we might have to leave.
Consumer complaint received 2022-09-14
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: Credit Karma (FL)

I saw that on or around XXXX I saw a lot of pre approvals on credit Karma. At first I didn't pay it any attention but Credit Karma kept sending me all sorts of different Pre- approvals telling me that I was Pre-approved for credit cards, personal loans, and that I can refinance my car. Everyday I would see these offers every time i logged in to check my credit scores. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma, I started telling my whole family about vacations and investments we were going to use these pre-approvals for. So I applied on or around sometime in XXXX  and I got denied for 2 credit cards and a personal loan. I was distraught. I was very angry, and I felt deceived. I was marketed to for months telling me for months. Credit Karma told me that I was Pre approved. This was a lie. I was severely stressed out. I was XXXX  for weeks. I had XXXX  so bad I became anti-social. My XXXX  went from 0-100. Now every time i see pre approvals, I immediately close my phone and shut my computer off. This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I made some mistakes about filling disputes which were made by mistake. USAA has my checking account under review for potential debit card disputes. This isn't true I had canceled most of the disputes that were made by mistake & I requested recent ones that were filed by mistake. Sometimes the bank got wrong transactions and disputed them. But I would like the dispute feature to be disabled on my account. So no disputes can be no longer filed on my account.
Consumer complaint received 2020-07-22
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. (CA)

XXXX XXXX XXXX IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES XXXX LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL XXXX BUREAUS.
Consumer complaint received 2020-07-22
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. (CA)

XXXX XXXX XXXX IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES XXXX LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL XXXX BUREAUS.
Consumer complaint received 2022-09-14
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 (AL)

Someone attempted to obtain Credit in my name at Capital One .Capital One check my credit hard inquiries with XXXX XXXX and XXXX I inform Capital One it was fraudulent attempt and it was not me .Capital One then removed the credit inquiries from XXXX XXXX but still remains at XXXX Capital One refuses to help me or remove them at XXXX Capital One ID # XXXX
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a letter today ( XX/XX/XXXX ) from Chase stating they are closing my credit card accounts. When I called the number on the letter to get some answers, the representative would not help and just kept saying it was not his department 's decision so he didn't know anything and couldn't do anything. When pressed to provide an alternate number where I could get an answer, I got their general customer service number, which again, is of no help. 
I searched online for other methods of contacting Chase and read hundreds of posts from other consumers whose account had been closed with no satisfactory explanation and one of them said to email the executive offices for a review of the case. 
I wrote an email detailing dates, the transactions that happened on those dates, and provided documentation about the legitimacy of the charges and payments ( I paid permit fees to the city where my business is located and paid off the charges the day the transaction posted to keep my balance low ). 
The email was returned because the one published email had a " fatal error '' in it and the other rejected my email because I'm an " unknown sender ''.

I am seeking a review of the case by a member of the executive team and a reversal of their decision so that Chase doesn't end up ruining my credit report.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian REFUSES to remove an inaccurate Bankruptcy they keep reporting on my credit report even after being notified by XXXX XXXX that it was removed from their file. This is ILLEGAL!!! They were notified and sent letters pertaining to this matter on FOUR separate occasions, dated XX/XX/XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX! They were sent attached letter from XXXX XXXX, see attached! Experian had the temerity to come back and say they " investigated '' the evidence I submitted and alleges that Lexis Nexis " verified '' info that they denounced on the attached letter sent to me from XXXX XXXX on behalf of CFPB. So i am confused, how did Experian " verify '' this Bankruptcy  from a company who removed it due to it being inaccurate and illegally reported. Is XXXX XXXX lying about removing it from my file? Or is Experian lying about launching an investigation into my concern. Either way my rights under the FCRA/FDCPA CFPB MUST hold these companies accountable. These bureaus should not be able to lie and destroy consumers lives!
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diversified Adjustment Service, Inc. (VA)

I received a bill over 2 years ago from XXXX regarding a phone bill for service that was transferred to another carrier following my leaving employment with the company. I escalated the issue to a vp regarding the charges, they agreed that they were invalid and agreed to resolve. A family member contacted me today saying they had received an email from this company with a confidential matter. Why was it sent to a family member and not me? They exposed my mailing address and did not verify the account when I called in regarding this breach.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX I spoke with a XXXX XXXX representative asking some basic questions about a refi. Several months later I ran my annual free credit report and saw that there were 2 recent hard inquiries. When I asked Experian, they stated XXXX XXXX had run a credit report. Experian reached out to XXXX XXXX, they stated that in my conversation with them I gave the Mortgage Banker the necessary information to review my credit. 

I did no such thing! I know what my credit score is, there is no way during the initial phone call would I give a level entry person my information and authorization to run a hard credit check on me.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

On XX/XX/XXXX ChexSystems mailed me my consumer report which details a Suspected Fraud Activity ; Any Amounts Owed Have Been Paid Report on my account by XXXX XXXX XXXX. I believe that this report should not appear on my consumer report and lead to adverse effects on my future opening of bank accounts at other financial institutions because the fraudulent activity was reported to and dealt with XXXX XXXX XXXX in a timely manner. 

When this fraud activity occurred, I spoke with a XXXX XXXX XXXX XXXXraud specialist, explained my case in order to put them into full light of what had occurred and why I felt my account wasnt safe. Along the lines of this fraudulent activity I had noticed similar activity in another bank of account of mine which led me to a conclusion that identity theft had become the leading factor. 

Anyways, XXXX XX/XX/XXXX XXXX XXXX XXXX mailed me a letter of their decision to close my checking account in which the fraudulent activity had occurred. They even mailed me a check with the balance that remained in my account after they investigated and dealt fraudulent deposit. At this point I thought I was fine, that the risk of identity theft was mitigated and the account was closed. It was until recently that I tried opening another checking account and found out that the bank closed the account after looking at my consumer report. 

Why ChexSystems, should this suspected fraudulent activity report, that appears as Settled in Full, be appearing on my consumer report at this point in time?
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NY)

This is a complaint regarding debt to XXXX for Internet services. After I already made payment plans with XXXX itself, I received a collection letter from Sunrise Credit Service , Inc. 

The amount is false, for, in my deal with XXXX, it would be reduced after returning the equipment.
Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (CA)

Professional Credit account  XXXX  verified today on  XXXX  credit bureau a debt that was paid at time of service at  XXXX   XXXX   XXXX .   At the time of emergency medical service I informed the hospital and presented info. that I was covered by   XXXX   CALIFORNIA.This debt also shows on  XXXX  and   XXXX   as account  XXXX
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$830.00} XXXX  XXXX {$300.00} XXXX   XXXX  XXXX XXXX {$1000.00} COLLECTIONS XXXX {$1900.00}
Consumer complaint received 2017-06-09
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: ID Analytics, Inc. (SC)

Sage Stream, LLC ( who ar e they??? ) has reported a score with an almost  XXXX  point disparity from other CRA 's. I want my report to see that they are reporting and I can not do this because I WILL NOT submit hard copies of the personal protected information they are requiring. I WILL NOT submit my social security card, birth certificate, driver 's license, etc.. to anyone, much less a company I have never heard of until a couple of days ago. So because I wo n't comply, I can not get my credit report to verify the accurateness of items being reported. Catch  22 and the winner is SageStream.   <P/> ****Why is the CFPB allowing a company to require that kind of information? I thought your role was to look out for the consumer. All other CRA 's have online requests and verify your info through your past credit experiences and then you 're able to download a P DF. **** This  practice is unacceptable and someone needs to figure out why I have  XXXX  point disparity in my scores.  <P/> Who are they accountable to? They need to be made to answer as to why 100 % of their scores are significantly lower than ALL other CRA 's.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

We are disputing not receiving disaster insurance payout, Please provide info showing we are delinquent. Information that was shared from Mr. Cooper was incorrect. They are misleading and false in the area of my mortgage payment being 30 days or more late. We have documentations on ALL PAYMENTS that have been maid. Mr. Cooper previously said " Please note that accounts that were already 30 days or more delinquent at the time of the loss may receive claim funds up to {$5000.00} with an insurance adjuster 's worksheet/estimate '' We know for a fact that at the time of loss we have bank statement showing payments maid well before 30 days of being delinquent. We entered into a program to make XXXX payments in the row in order to be caught up from XXXX late payment before they took over from Home Point Financial. XXXX, XXXX, and XXXX payments where on time, XXXX payment was maid XX/XX/XXXX. and applied XX/XX/XXXX.We are current on our mortgage to date and have not missed a payment since XX/XX/XXXX, in which they hadn't taken over yet. We are asking Mr. Cooper to produce documentation showing delinquent at the time of loss. ( XX/XX/XXXX ) They are holding our insurance claim money of {$12000.00}. Threatening to only give partial if we do not meet such demands! We have sent them adjusters report on two different occasions. We have completed the work, the contractor is threatening lien & lawsuit because we have not paid for completed work. Mr. Cooper also states they will determine how much we will receive from insurance claim payout because its standard mortgage practices, the work is complete. There are many complaints against this company for fraudulent actions. We intend to gather other clients from Mr. Cooper who are having similar problems and pursue this to the fullest extent of the law. Our family has been great impacted by these course of events. We believe they are holding our insurance in a fraudulent way. Our opinion Mr. Cooper is intentionally trying to force families to default on mortgage after disasters by holding insurance claim payments.