davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I would like to put in place security freezes with the three reporting agencies. This is particularly important given my information was breached by Equifax in XXXX. I had no problems placing freezes with XXXX  and XXXX. 

I tried to place a freeze with Equifax ( the subject of this complaint ). I created an online account successfully, but their system rejected the start of a freeze. 

After several phone long phone calls, Equifax refused to place a credit freeze on my account, despite providing significant personal information online and over the phone. Equifax insisted that I send them additional sensitive personal information. When I asked what security protocols were in place to prevent new breaches, their representative was unable to provide meaningful answers nor was able to to connect me with a supervise to escalate the complaint. 

The requirement to provide copies of identification is unnecessarily invasive, given there is no consumer choice. I do not want to send Equifax any more personal information. 

Equifax seems again to be a stand out from the two other agencies in a complete lack of respect for consumers who have no choice but to interact with this reprehensible company. 

Date of online account setup : XX/XX/XXXX Second attempt to place freeze online was XX/XX/XXXX. I then tried to call, spending a very long time ( close to an hour ) on the phone, waiting for a supervisor with no success.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO XXXX  XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX  XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/21 - Transunion decided to reduce my credit score by 10 due to an account balance going from {$3.00} to {$0.00}. This actually was a fee paid on time a couple of months ago on an card. Nonetheless I literally reduced the balance to {$0.00} and I have XXXX to show for it. This is ridiculous.
Consumer complaint received 2019-08-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (NJ)

I have been late with payments a few times but am current with my account. I paid Ditech on XX/XX/19 $XXXX. The funds have been taken out of my bank account but like so many other times never posted for days sometimes weeks. Ditech is stating on my credit report as of today that my account is 47 days past due and still not reflecting my last payment was XX/XX/XXXX Ditech has reported that my last payment was made on XX/XX/XXXX. This keeps happening and I am trying to refinance. I just learned Ditech has been submitting late payment notifications on my credit report, which is not allowing me to refinance.  I am not paying my XXXX payment until Ditech removes the 60 day past due notification from XX/XX/XXXX and both the 30 day past due notifications from XX/XX/XXXX and XX/XX/XXXX. They are reporting false information and I want ALL past due notifications removed. It is affecting my credit score and the ability for me to refinance.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened an online savings account with Citibank. As part of the account opening process, I transferred a substantial amount of money into the account. At the conclusion of the process, I received an error message and was never provided a full account number. I only received the last four digits by email. However, I did receive notice from my transferring bank that Citibank has received the funds. Without the full account number, I cant get online access to my account, and cant even get access to my account over the phone. I am told I am supposed to wait another 7-10 days to get my account information in the mail before I can access my account, which would mean the bank does not give me access to my funds for up to 14 days after I open up the account. This is a scam. The bank is putting all sorts of roadblocks up so that they can hold my funds and not provide me access to my accounts for weeks. The online application process misrepresented that I would have immediate access to the funds online, which is not true. I had to call over 5 times, and repeatedly was disconnected without my consent. I requested to speak to a supervisor, and was eventually connected to someone named XXXX, who refused to give her last name, but provided the code XXXX. She said I could not access my account until I received the full account number in the mail. I asked to speak to another supervisor and she said it would take them 3 business days before someone could call me back. Citibank has grossly misrepresented its terms in the application process. This is a scam that could be very, very harmful to consumers if they transfer funds into an account based upon representation that immediate access to funds will be provided, when in reality the bank wont give you access to your money for two weeks or more.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

HARD INQUIRIES ON TRANSUNION ACCOUNT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR CREDIT
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

this happen on the XXXX exchange website binance.us on XX/XX/XXXX, I am trying to send a 2000 dollars deposit from my bank account to my binance account. 
I connect my chase account via ACH, and proceed. a minute after, I receive an email from finance stating : Your ( XXXX XXXX deposit order ( Order ID : XXXX, XXXX USD ) failed. 
Unfortunately, our system was not able to process your deposit at this time. Please try again later. 

so I take note on that and decide to send my money from my bank account to another XXXX exchange ( Coinbase ) and then send some crypto to binance. 

yet on XX/XX/XXXX, I see that bianance still proceeded and took my {$2000.00} out of my account putting me a negative balance since I already sent to Coinbase {$1000.00} after binance told me it failed.

so I dispute the charge with my bank to be able to have money on my account and because Binance emailed me saying that the transfer didn't work.

I couldn't even put back my money from Coinbase because there's a waiting period before to be able to take the money back. 

on XX/XX/XXXX, Binance email me saying that I have an outstanding balance of 2000 dollars and that I need to make a deposit to get my account back. 

the only problem is that they disabled the deposit option, so I have no way of sending them the money. I have cryptocurrencies on the account that I could change in USD as well to pay the balance but they locked my trading capability as well! 
so now not only that I can not pay them, but I have no way of trading my money and could potentially lose thousands. all because of their incompetence! 

I have been emailing them everyday ever since XX/XX/XXXX without them ever replying back. I do not have access to my money when the solution is so simple here 's the ticket number which is basically the case number for the request I made # XXXX
Consumer complaint received 2018-02-27
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc. (PA)

I applied for a medical school student refinancing loan from SoFi in XXXX of 2017. I submitted all appropriate forms and paperwork related to my public and private student loans through their online portal. However, they had significant difficulty 'validating ' the private loan. Over FOUR MONTHS I was asked repeatedly to upload promissory notes, proof of loan educational status, and other correspondences with my private bank loan, each time finding a new form or reason to delay the process. Because of these delays, I had to upload work pay stubs, interest statements and proof of employment MULTIPLE TIMES because a prior example would 'expire '. Additionally I was subjected to MULTIPLE HARD CREDIT PULLS because of the delays. As over four months of acquiring sensitive, personal financial information has yielded continuous roadblocks, I can only assume their business practices are ultimately fraudulent and designed to acquire this information for financial gain.
Consumer complaint received 2021-05-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On XX/XX/2021 I called XXXX & XXXX XXXX, my mother in law received a call stating that they were looking for me and wanted to settle a debt before proceeding with a lawsuit against me, this is was News to me has I had not received any correspondence or phone calls. I immediately called the number and spoke with a young man who was very polite and helpful, I told him I would call him back after I had looked as some options and spoken with someone with a little more expertise, I called back after weighing some options and asked to speak to the previous young man but was sent instead to his manager XXXX XXXX, at first he seemed nice enough to conversarte with, but when I asked for more time to understand what was happening, he became belligerent and condescending, I was trying to explain to him that I had not received any written documentation of what I was being charged for, but speaking with him became very difficult because of his constant interruptions and continued escalations, I requested to speak to a manager at which point he stated that he was as far as I could because his boss didnt deal with someone like me, Essentially being condescending, he then hung up but not before stating that hed see me in court. I called back immediately and asked to speak to anyone but him, I was then transferred back to the original person I had spoken to and was able to resolve the account in a Better way
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (SC)

I have filed a dispute to remove a address from my consumer credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX and XXXX have remove the address from my consumer credit report. 

I have a right to a accurate comsumer credit report under the fair credit reporting act 15 U. S code 1681.
Consumer complaint received 2021-03-31
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. (MN)

For the past three years I have tried in vain to fix my credit reports and it starts with Experian. I saw that my mortgage showed paid and joint. Experian would not change it even when I sent an original bill in. I wrote the mortgage holder and filed a police report because XXXX Bank asked me to.I signed papers that the one Experian had listed was not another mortgage I had. After filing here the Bank said what Experian had was not even related to me and they gave me an assumption. However, my original mortgage before divorce in XXXX had my ex on mortgage not deed and XXXX Bank May fix this and report my payments to them to credit files. My ex now dead had filed bankruptcy XX/XX/XXXX. I did not. Still Experian refuses to acknowledge I have a mortgage and this effects my credit. They took off the mortgage entirely! When you call your on hold for up to 30 min and they do nothing. I tried again online and they refuse to let me dispute that I have a mortgage and want credit for paying it. I have other accounts too that they refuse to look at. If this is the leader for credit bc I am told everyone looks at them, we as a nation are in deep trouble. So I know XXXX is used but at some point cant a real person with some knowledge be there. This issue has hurt me and I want it fixed they can start from now to list that I am the mortgage holder and online the choices are very limited. I can send a email to others that have apps and they get back to you not them. Its wrong in every way
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Resource Systems, Inc (CO)

I am a Victim of Identify Theft. On XX/XX/2021 I pulled a copy of my Credit Report and there was a Collection account on my credit report that I had never seen before. I asked for supporting Documents from the company United Resource Systems and instead was sent a Computer Generated bill ( to my mothers address ) stating that no signature was required at time of services?? for XXXX XXXX XXXX XXXX. It does not state where I supposedly was taken and this is all the information I received. I have Disputed with the Credit Bureaus and placed a Fraud alert on my Credit Reports. I suspect this is a Family Member that may have done this but it is not my Debt. This is a clear violation of my privacy under the FCRA as it was sent to my Mothers address not marked personal and confidential. This is not my Debt, it resulted from someone using my name to avoid a bill.
Consumer complaint received 2021-05-07
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC (CA)

I had 30 days late payment on XX/XX/XXXX from BMW. ( It's paid off never had late payment ) Staring call BMW service on XX/XX/XXXX ask them to remove 30 days late payment XX/XX/XXXX. I ask them politily to remove 30 days late payment. At this time everything was going well and told me to send goodwill letter to them and I did. Around XX/XX/XXXX I call bmw to check the result. when i had chance to talk customer service one of the assistant told me that BMW sended it out to all credit bureau. I even double check with this assistant. 
About week later nothing was changed. So I called BMW service what was going on? 
they told me they declined what i ask for.. I did complain about previous assistant what he said to me ... .still nothing was changed. I thought it was going to be removebecuse how it went ... I'm disappointed their decision. Also 3 major credit bureau was not helpful at all keep asking me to get a delete letter from leader because they have no power to remove anything
Consumer complaint received 2020-10-26
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: AMERICAN HONDA FINANCE CORP (NY)

Thursday, XX/XX/XXXX I received an alert from each of the 3 National Credit Bureaus ( XXXX, XXXX  and XXXX  ) identifying a new derogatory reporting from American Honda Motors ( AHM ). The account listed on my credit from AHM is # XXXX. The original credit listing was XXXX, XXXX when the debt was Charged Off. The vehicle was auctioned and sold with a new balance listed in XXXX, XXXX at {$7800.00}. Then, just last week, AHM decided to update the derogatory trade line with REPO. This is unlawful and harmful to my credit score models as I watched my scores decline over 100 points because of this new entry. Furthermore, this hostile attack merits FULL DELETION of the account off my credit based on the FAIR CREDIT REPORT ACT, Section 609 ( a ) ( 1 ) ( A ), which requires all creditors to list negative accounts based on updated, accurate and physical verification. Since the AHM account was updated 4 years late after a CHARGE OFF, that action is illegal and must be deleted. I want the AHM deleted now or there is no purpose in have the CONSUMER FINANCIAL PROTECTION BUREAU as a means to help the consumer and you might as well close your doors.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (AZ)

Never got confirmation of auto pay so made payment online. Payment went thru twice and filed paperwork to have it credited and Arvest did not do it in their promised period of tome once payment cleared. Apples for refund of overpayment on XX/XX/21. They emailed confirmation of receipt and never credited it. Called customer service which has not given any answers to date.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I have made the international transfer on XX/XX/2021 via XXXX for the sum of XXXX USD plus a XXXX USD transfer fee total of XXXX USD, Recipient never recived the money, I contact the XXXX they stated it is completed and they transfer it to their third party partner they will check with them and get back with me been a month after that I contact Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they investigate. XXXX XXXX again its completed and they transfer to their third party partner, Bank XXXX XXXX says they cant dispute and please contact XXXX to resolve the issue I called XXXX again they said they can't help me so I contact Bank XXXX XXXX again so and referred my to the consumer financial protection bureau now I am in a situation I lost the money
Consumer complaint received 2020-09-06
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. (LA)

There are 4 account listed on my report. I have dispute these multiple times and these are not mine. I have Medicaid and Medicare and have not had any procedure these don't cover. The original credit is showing credit bureau services I have no idea what this is
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NE)

My former complaint number reference : XXXX I want to tell you more about the identity theft that occurred this last weekend of XX/XX/2022 - XX/XX/2022 XXXX XXXX XXXX XXXX only took tech questions from the man who was pretending to be me. They did not ask me personal questions like how many holes are in your XXXX undershorts and what is the brand name ( XXXX holes no brand name it fell off ) They could have asked a number of personal questions that only I would know and all those questions would have to be answered correctly before ANY money is released to ANYBODY from ANY accounts ANYWHERE. And they didn't even use a voice identification which if they would install XXXX and used it, they would have heard that man was not me at all. I got to hear the recording of his phone call to Zelle at my XXXX Bank today. They let me hear it. So you see, many - many - many things could have been done to prevent this from ever happening and it is the company Zelle, XXXX Bank in XXXX, Nebraska, and XXXX XXXX XXXX XXXX 's fault for not using identification questions that are personal and using a voice identification. They are all three negligent. Plus, any XXXX of those places could have called me first at my home phone number that this man does not know to see if it was really me making this transaction. Not everybody has a home phone. I DO! And most people have more than XXXX cell or mobile phone. Again all three of these companies are negligent at my expense. NOT FAIR!! That is why I say, " Get a lawyer to sue all three companies. I can not afford one because I am on Social Security XXXX XXXX, but there could be any lawyer, chomping at the bit to have a case like this. I would win, hands down because of all three companies ' negligence. '' But all three companies argued with me when I told them what they all could have done that would have worked just like I told you, and this identity theft NEVER would have happened.
Consumer complaint received 2021-12-03
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

There is an account on my credit report in the name of MIDLAND CREDIT MANAGEMENT with an amount of {$3900.00} balance. This account is being PAID monthly. I wrote the bureau about the reporting and they are still reporting it as a derogatory and XXXX days late in XXXX when I made the payment for XXXX.
Consumer complaint received 2020-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

EQUIFAX has been lowering my score for the last month and a half. It has dropped nearly 50 points and the only changes being made are the balances decreasing. There have been no negative changes, WHATSOEVER.