davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at Equifax, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days.
In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private.
I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.
Consumer complaint received 2017-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BlueChip Financial (TX)

Upon checking my XXXX XXXX monitoring service I noticed a loan from Spotloan that was received in XX/XX/XXXX. I have not applied for any loans in XXXX, XXXX XXXXWhen I disputed it, whatever type of investigation they do, XXXX is leaving it on my credit report. I DID NOT APPLY FOR THIS LOAN!!!!!!!!
Consumer complaint received 2017-09-13
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. (CA)

As everyone knows, XXXX improperly shared my information due to their negligence. I tried to freeze my credit with XXXX and their website to do this. I attempted this today ( XXXX/XXXX/XXXX ) and their website threw an error : " We 're sorry. We can not process your security freeze request online at this time. Please try back later. '' There 's no other option, phone or email to resolve this failure.
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Re : Request to Validate Account/ Resolve Account and Delete for Revolving Call list This is my forth attempt with no response and I am at my wits end. Please end all the empty calls, with calls from XXXX XXXX then hanging up- with no resolve. My originally attempted to resolve my debts via telephone and by mail on XX/XX/XXXX and my second attempt was late XX/XX/XXXX and XX/XX/XXXX. After a brief history with XXXX XXXX, mostly positive, I fell ill. I have two accounts and would the opportunity to validate/settle these accounts. I was never given the opportunity to validate the balances reported on my accounts. I need to validate this account and not be threatened with further collections on accounts by lawsuits or damaging my credit.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


XXXX ) XXXX  XXXX XXXX- opened- XX/XX/XXXX ( 6 yrs, 4 mos ) amount {$0.00} 2 ) XXXX XXXX- opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount {$280.00} 3 ) XXXX XXXX -opened- XX/XX/XXXX ( 7 mos ) amount {$550.00}
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion - I have, for several days, attempted to establish a credit freeze on my credit reporting. I have attempted to do this 3 ways - through their website, their phone automated system, and through their customer service operator. The website is presently unavailable, the automated system directs me to the customer service operator, which always has a busy signal. Transunion does not appear to be able to respond to the need for credit freezes after the XXXX leak.
Consumer complaint received 2017-09-13
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: Risecredit, LLC (OR)

While applying for a home loan I noticed an errorounous note on my credit report related to XXXX XXXXXXXX. I have never had dealings with this Company and had previously never heard of them. Upon discussion with my parents they mentioned that a note was discovered on their credit report related to XXXX XXXX in the summer of 2015 and they got the Wisconsing Attorney General 's office involved to resolve. My father and I have the same name so it is possible that I have somehow gotten roped into this through that association.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX did a hard pull for 1 account 3 times in one day. XX/XX/XXXX I do not recognize anything named XXXX on XX/XX/XXXX XXXX also pulled 2 times within 30 days and i was informed it would be once XX/XX/XXXX there should be no inquiry from XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2017-09-12
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. (FL)

I am a victim of identity thief and have a police report supporting this fact..I have contacted TransUnion multiple times to have them correct the fraudulent inquiries on my report to no avail..the following inquiries were not made by me nor have anything to do with me..XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

PNMAC MTG is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Equitable Acceptance Corp (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone XXXX XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
XXXX XXXX XXXX XXXX Equitableacc XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Am Rent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-12
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. (IN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

My card was accessed without permission. The unauthorized transactions hindered me from an important purchase. The bank is trying to keep my money for short term investing. I need my money back it is important to my health! Please fix this!
Consumer complaint received 2022-09-08
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: CL Holdings LLC (PA)

In accordance with a Fair credit reporting act [ XXXX XXXX XXXX # XXXX has violated my rights. 
[ JEFFCAPSYS ACCOUNT # XXXX has violated my rights. 
[ JEFFERSON CAPITAL SYST ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-08
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. (MD)

On Friday, XXXX XXXX, XXXX the reporting company Equifax announced that they had been subject to a large-scale data breach that compromised the personal information of many customers including, but not limited to, names, email addresses, social security numbers, and driver 's license numbers. I was one of the customers who was affected by this breach as shown in this image : XXXX XXXX XXXX As a result of this improper handling of my credit report, a large amount of my sensitive personal information is now available to the general public. Those with nefarious intent can obtain this information and use it to commit a variety of crimes which will directly impact my quality of life, including but not limited to identity theft and credit fraud.
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I make electronic transfer from XXXX XXXX XXXX XXXX to Bank of America. This is the second month Ive gotten a line of Excuses from Bank of America as to why my deposit hasnt posted. 

My payment was paid on XX/XX/2019 and as of Today XX/XX/XXXX had not been credited to my BofA account. 

So BofA is charging interest for weeks after payment is made. 

Last month they told me it could take up to 72 business hours for a deposit to post
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, I am writing in reference to Transunion, Transunion is in violation of 15 USC 1681i ( 2 ) ( A ). I have sent all documentation to prove that I am a victim of identity theft. and that in fact transunion is in violation.
Consumer complaint received 2021-05-21
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. (SC)

Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me
Consumer complaint received 2017-09-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I have previously made a complaint through you because I am eligible for income redriven plan.Navient had asked me for documents.I have sent all the documents and they sent me a letter stating that I was qualified and they have approved the income redriven plan and I have to start paying XX/XX/XXXX and that I should reapplied every year. Now the time come to start paying the XXXX. They kept sending different amounts XX/XX/XXXX-XXXX $ ,XX/XX/XXXX-XXXX , and XX/XX/XXXX-XXXX $ ,XX/XX/XXXX,XXXX $ ,XX/XX/XXXX {$1100.00} When I call them to tel them I had an income driven plan that I have a letter that was send to me regarding this they said I never had an income driven plan because I had never sent the documents that was requested. They had sent me the letter which I have attached to this file after I send the documents. 
Now they said that I must re-apply and this is the third time they do that. 
I want to start paying my loan. 
I work for the XXXX XXXX XXXX XXXX. This is what I can afford to pay. 
These people kept playing around with me. 
I would like you to help me get this thing cleared out because they are turning me around.
Consumer complaint received 2022-09-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It should not take 60 days, as reported by TransUnion, to correct my true Credit Card balances when any increase is reflected in a matter of days. This is excessive and completely unacceptable.
Consumer complaint received 2017-09-13
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. (TX)

I previously disputed this issue with Transunion and it was returned as showing verified as accurate but i know this is not true. I further stated numerous times that I have been a victim of identity theft and even attached previous statements before that should already be in my transunion file. 

Account # XXXX XXXX XXXX XXXX account opened XXXX/XXXX/XXXX - High Balance of XXXX. 
This account could not have been verified as accurate because it was paid through autodrafts each month and was never late. Transunion has failed to show how this was verified as accurate. This account should be deleted immediately from my file. 

XXXX Account # XXXX - This account has numerous data inaccuracies and should be deleted from my transunion report. The credit limit was XXXX and was never late as it was also autodrafted from account and account was further paid off in fullwell over two years ago. This account still reports as if there is a current limit and or high balance of XXXX dollars from XXXX to XXXX. This is not accurate and should be deleted. 

Inquiries : XXXX - I did NOT authorize this and it should be deleted XXXX XXXX - I did not authorize this inquiry and it should be deleted XXXX XXXX XXXX - I did NOT authorize this inquiry XXXX XXXX  I did NOT authorize this inquiry XXXX - I did NOT authorize this inquiry XXXX XXXX - I did NOT authorize this inquiry
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Again this will be my 5th time asking for the following items to be removed from my report they were due because of fraud I never had access with these company all other report removed the items so how is it that transunion saying they verify how can that be please remove and block. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry I never authorized to be pulled. Again a problem. With fraud please removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this will make my 5th time asking for help I also will call in to put a freeze on my file so I would have to call in and have it
Consumer complaint received 2018-06-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (CA)

Synopsis : Loan obtained through Goldman Sacks by XXXX, was paid off by a balance transfer with a lower interest rate. The full balance due was paid to XXXX. The pay off amount was obtained by the monthly statement they provided to me. The full a balance was paid before the revolving date on the loan. XXXX, the lender refuses to waive the residual interest after the balance was paid in full. -- -- -- -- -- -- - I have been a member/customer of XXXX XXXX since XXXX. A few months ago a recommendation was made to me by their website regarding a balance transfer option. The financial institution that was recommended was XXXX by Goldman Sacks. I accepted the offer. 

In XX/XX/XXXX i paid off the balance with XXXX, via a balance transfer from another financial institution with a lower APR. Unfortunately there was a residual balance left on my XXXX loan after the balance was paid in full. 

I reached out to XXXX, via telephone on XX/XX/XXXX, and spoke with a rep, then her supervisor, XXXX at their Texas location. I explained to her that i was a referral customer to them through XXXX XXXX, and asked if they could waive the remaining interest since i had paid the balance in full. I explained that their statement made available to me via their website advised me of the statement balance before the account/loan revolved. I also explained that I have paid off multiple, credit cards, loans and car loans, and the financial institution is always willing to forgive the remaining interest as a good faith gesture, and also to retain customers for future needs. 

XXXX the supervisor at XXXX refused to entertain my request and repeatedly shut me down. 

I feel that XXXX, refused to waive the balance because i took the loan somewhere else, and they are trying to make a few extra bucks where ever they can.
Consumer complaint received 2021-05-21
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: Rozlin Financial Group, Inc. (SC)

Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me
Consumer complaint received 2019-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have been with Amerihome Mortgage since closing in XX/XX/2018. Currently, I'm enrolled in a program to pay my mortgage bi-weekly. We recently changed bank accounts which required me to update my account information with Amerihome. I contacted Amerihome by phone and email. I emailed in a new drafting form 10 days before my payment was due. Amerihome failed to update my information timely, which resulted in an attempted draft on my closed account. I contacted Amerihome by phone numerous times and not a single person was able to assist at getting my information changed. I finally mailed in the same form with a check for the amount that was returned from my closed account. 10 days later, they have yet to process my payment nor my new drafting form. I have called in numerous times and nobody is ever able to assist or offer a solution to solving the problem. This company is a nightmare at trying to handle the smallest issues of simply making a payment. I am now concerned by their lack of timely action that they may attempt to report a late payment on my credit report.