davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please do not add any fraud alerts or statements on the file. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX The following inquiries are not authorized by me, please remove : XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  XXXX The Inquiry was reported on XXXX, XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX, XXXX XXXXXXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX Page 2 of 3 14. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. EQUIFAX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Consumer complaint received 2017-09-28
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: PNC Bank N.A. (PA)

Last year, during the end of XXXX XXXX, I was scammed for an apartment sublet. The individual sent a check which PNC deposited into my account as spendable money by the next day. The individual did overpay me, and thus asked for a small amount back. I sent this through XXXX XXXX as a money order. Roughly six or seven days after the check was deposited, it bounced due to being a fake check. This overdrew my account. I worked with PNC to deposit money in order to get the account back to XXXX. During this time, I also filed a PA State Police report on the individual who sent the fake check, as well as reporting and receiving case numbers from both XXXX XXXX and the Federal Trade Commission. The account was set to XXXX and then closed. 

On XXXX/XXXX/XXXX, I attempted to open an account at a XXXX XXXX XXXX. However, after running my XXXX report, they declined me due to PNC closing my personal checking account under the category " Suspected Fraud Activity. '' PNC also claims in the report that " Any amounts owed have been paid. '' After finding out this information, I called PNC, and was redirected to multiple apartments, which then informed me that I owe for the XXXX XXXX transaction for XXXX that was made after my account was closed. This was due to them revoking a provisional credit given to me after I was scammed for that money. 

Not only does PNC claim I owe them money, while also attempting to " settle '' the amount, no one is able to provide a clear reason as to why the account was closed under that category and if the closure reason would be removed after I paid this " debt '' they claim I owe.
Consumer complaint received 2017-09-28
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. (AK)

Tried to put on a security freeze with Experian. They immediately asked for a credit card number, which I provided, then on the next screen - they said they were 'unable to put on the freeze ' and I would have to mail them {$5.00} and mail them my driver 's license and another proof of identity ( along with my SSN, etc. ). They have my SSN, and all of my information already, I do n't want to give them further information on me to store. On top of that - they charged my charge card when I did n't get anything! I have protested that charge. It is n't about the money - it is about this company making consumers upload or mail additional confidential information just to keep our information secure. I successfully put on credit freezes on the other two companies ( XXXX and XXXX ). It is only Experian that is refusing without gathering even more information ( which they probably have anyway ).
Consumer complaint received 2021-09-06
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. (FL)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life.
Consumer complaint received 2019-03-04
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)

On XXXX and XXXX and Equifax Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

Chase sent a document " Important Changes to Your Account Terms '' raising the penalty APR to XXXX XXXX  and imposing XXXX fees for late payment and return payment in addition to the Penalty APR. I called to protest that these are outrageous terms. Apparently, I have no choice but to accept them or close my account. In discussing the matter with the representative, he stated that Chase had to raise these charges to encourage people to make timely payments, given the number of people not paying on time due to the COVID-19 situation. I find this absolutely outrageous. Chase is adding to the misery of people who are out of work through no fault of their own. Appalling. You people need to get involved to persuade Chase to be a better corporate citizen.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2020 I discovered {$1200.00} in fraudulent charges on my Chase Sapphire Preferred Visa card that began in XXXX and ended in early 2020. They are charges to an entity called XXXX XXXX CA, XXXX   XXXX XXXX CA and " XXXX XXXX XXXX CA, with a couple of spelling variants appearing on the statements. The charges are primarily in amounts of {$9.00}, {$50.00}, and {$99.00}, although there is at least one for {$9.00}. I reported this to Chase on XX/XX/2020, then heard nothing from them despite assurances that I would receive an email regarding my report as well as a follow-up within 5 business days. I then called Chase back on XX/XX/2020 for an update, and was told that some of the charges had been refunded to my card, but that the fraud department was still working on the case and that I should expect to hear from them soon. Indeed, when I printed my statement on XX/XX/2020, {$470.00} had been refunded to my account, along with {$72.00} in corresponding interest. I then heard nothing from Chase until I called them again on XX/XX/2020, at which point I was informed that the fraud department was still working on the case, and that some of the charges that had initially been refunded had been re-billed to me. I checked my statements and found that {$120.00} of the initial refunded amount had been removed from my statement and re-billed, along with {$10.00} of the adjusted interest. To date, I am only seeing credit for {$350.00} of the fraudulent charges on my account, this case has been ongoing for over a month, and Chase still owes me {$870.00} plus associated interest. Please help, as it appears they intend to continue dragging this out and giving me the runaround indefinitely.
Consumer complaint received 2017-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (SC)

OnXX/XX/XXXX, I requested that Aargon Collection Agency validate debts reported on my credit report. The accounts are for {$750.00}, {$200.00}, and {$200.00}. As of today, XX/XX/XXXX, Aargon  Collection Agency has yet to verify these debts and is still reporting these debts to credit bureaus. I never received notice of these debts prior to them being reported to credit bureaus. I have no knowledge of these accounts.
Consumer complaint received 2021-09-06
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: Experian Information Solutions Inc. (CA)

I have tried to dispute a late payment with the credit reporting agencies and have sent three letters into XXXX XXXX. XXXX XXXX does not respond. I have tried to call and they say I can not talk to anyone, I can only write another letter. This loan payment was never late as I was enrolled in school like my other loans XXXX XXXX owned show.
Consumer complaint received 2020-10-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

I have been unsuccessfully trying to contact a human person at thiscompany for over two weeks. I have also put numerous requests thru the online system which also went unanswered. My concern is with my mortgage payment and I need verification that we will not be charged any fees for late payments. 

On XX/XX/XXXX, I mailed check number # XXXX to the company. This was for the Escrow shortage of the year. The check was for {$330.00}. As of today, this check has still not been cashed or processed. Secondly, on XX/XX/XXXX, I mailed in our monthly mortgage payment in the amount of {$2400.00}. This was check number # XXXX. 

After trying to get thru to this company and not being able to, I placed a stop payment on the check # XXXX and paid a {$30.00} fee with my bank to get this accomplished. I then completed a onetime payment on the website of {$2500.00} on XX/XX/XXXX so that our monthly payment would be covered, and we would not get a late fee. 

I then got notification that the check # XXXX has cashed! You can imagine my annoyance when this cleared. This check was returned, and I was charged a fee. 

At this time, the check for the shortage of {$330.00} has also been returned and we have a late fee on the account.
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (WA)

Jefferson Capital has a history of misreporting collection dates to give accounts new DLAs and further damage peoples credit. They recently purchased a debt from XXXX XXXX. The update they added on XX/XX/XXXX via my dispute with XXXX was the historical account data which according to them is a major delinquency in XXXX of this year, when in fact they failed to update that date to correctly reflect the original date of XX/XX/XXXX, not XX/XX/XXXX, which is the disputed item at hand. 
They failed to update the dates to the correct dates, even via a dispute with XXXX. 
JEFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX CREDIT FILE : XX/XX/XXXX Confirmation # XXXX They added this derogatory item subsequent to the dispute I filed, which is not relevant to the reporting. They purchased the debt on XX/XX/XXXX. There is no " 1st Rptd '' of anything in XX/XX/XXXX <<<<<<<<<<<<Date Maj. Del. 1st Rptd XXXX EFFERSON Capital Systems XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2017-09-28
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: EQUIFAX, INC. (IL)

I have been requesting verification of the following account that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax listed that XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. Also with the new law that was passed on XXXX XXXX, XXXX stated that beginning XXXX XXXX, public records data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follow : Minimum reporting of : Name, Address, and Social security number/ and or date of birth. Or Minimum frequency of courthouse visits to obtain newly filed and updated public records at least every 90. I contacted Equifax to provide the information and verify the account with the new law and have not received any correspondence to the law. 
On XXXX XXXX, XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XXXX XXXX, XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

This account was fraudulently under my name with XXXX XXXX. It was brought to my attention and it was closed out. They sent it out for collections years back which is how I found out about it and we absolved the situation 3 years ago. Now it has appeared again on XX/XX/XXXX on my credit, and it is stating that this collection was opened on XX/XX/XXXX which is not accurate. This account was a result of itentify theft, has been closed out. 

I need debt verification of this account. Why has this reappeared again on my credit as a delinquent account?
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I was researching options to open a new credit line for my business XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was shown a sponsored XXXX advertisement for a Capital One Credit Card ( who I have been a customer with for XXXX years ). 

I did not realize after applying that it was having me open a nearly identical card ( XXXX XXXX ) to the XXXX I have ( XXXX XXXX XXXX  ) -- I thought I was just raising the credit limit on my XXXX XXXX XXXX. 

I do not need or want the " XXXX XXXX '' because the card features are not useful to me or my business. 

I called into Capital One and talked with a representative right after the card was opened and I realized this -- they told me the application department would be able to fix it, but they were closed ( since it was a XXXX ). 

I was also, told by another representative to apply for another card ( " XXXX XXXX '' which I did ... and was then declined. ) The reason I was declined : The " XXXX XXXX '' card was still in processing even though I had been given confirmation it was approved -- so I was told wrong by a representative and now have a negative second hard pull on my credit -- which is totally not fair because it was an automatic reject and the representative gave me bad information. It is apparently a recorded line so it can be listened to again. 

I promptly called Capital One on XXXX  morning XX/XX/XXXX and after speaking XXXX representatives they told me they couldn't help -- my request was to simply switch the card type of " XXXX XXXX  '' account into a " XXXX XXXX  '' I feel misled as a consumer and Capital One did not adequately advertise their financial products. Furthermore, the representatives employed by Capital One gave me misinformation that was deleterious to my credit score.
Consumer complaint received 2017-07-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (NC)

On XX/XX/XXXX we started our loan process with the processor and underwriter through XXXX XXXX XXXX. The processor contacted us requesting documentation for the first initial credit approval. After reviewing the documented requested by the underwriter. We noticed that he or she was requesting documentation that had nothing to do with the purchase of the property. We tired to review it with the processor, explaining that they should be going by the XXXX declaration questions asking if there were any judgement against us and the answer by the processor was no, there were no judgements against us. They asked for a divorce degree from my husbands previous marriage, that asked for a last from HR for me stating that I went on XXXX XXXX and also proof that they house that I sold back in XX/XX/XXXX was not a short sale or foreclosure. When I spoke with the processor over the phone she told me that when they pulled the reports that the divorce degree did n't show any judgements and that the house did not show as a short sale or foreclosure but they still requested a settlement document or HUD showing proof of this. Then after I questioned the sale of the home in XX/XX/XXXX the processor then proceeded to ask why I resold the house in XX/XX/XXXX, which I had already sold in XX/XX/XXXX. On top of that they have requested all petitions that were included in the bankruptcy, which was only filed by my husband before we were even married, because they wanted proof that the house which was solely in my name was not in my husbands name and on that bankruptcy. We fill that that are over conditioning the whole process. We are filling that they are discriminating against us because my husband is XXXX. My husband works in the mortgage industry and he consulted an FHA underwriter to make sure if what they were asking was normal. The answer by that underwriter was NO, it was not normal and they have no business to ask you for your divorce degree and or a settlement for a property that was not my husbands. Especially because they did n't find a any judgment or leans against us.
Consumer complaint received 2021-04-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Approx XXXX yrs ago did a payday loan for {$290.00}. Became VERY XXXX AWAITING XXXX surgeries. I'm XXXX. Received a threatening call saying they are taking me to court for ALL KINDS OF GARBAGE. GAVE me a case number. Sueing me for over {$1500.00}. Very threatening. Their number is XXXX XXXX XXXX. Ace Cash Express. My number is XXXX XXXX XXXX.
Consumer complaint received 2017-09-28
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. (TX)

XXXX XXXX : You are an incompetent apparatchik, and as culpable as XXXX XXXX and XXXX XXXX. I wonder if you have been bribed by Equifax, XXXX, and XXXX to ignore their sloppy security. Perhaps you will now walk through the revolving door opening on XXXX XXXX. I hope your personal information was stolen along with everyone else. 

The CFPB, one of the funnier oxymorons, should be privatized. 

XXXX XXXX XXXX, XXXX XXXX, TX