davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

I requested my Mortgater My LoanCare XXXX to remove my Escrow ( county Taxes and Hazard insurance ) from my loan on XXXX XXXX ( Ticket # XXXX ), since I decided to pay my insurance and taxes Out of Pocket. I also requested them to remove my insurance ( XXXX ) information as I was changing my Insurance company. But even after that paid {$910.00} to my old insurance ( XXXX ) company from my escrow. 

Then I requested them again on XX/XX/2020 ( ( Ticket # XXXX ) to remove Change my Insurance information from XXXX ( XXXX XXXX XXXX ) to XXXX XXXX XXXX  I clearly mentioned to them that I have paid the amount for new insurance Out of Pocket. I requested them to do all the previous corrections, but instead, they again sent me an email stating that they paid ( disembursed money ) of amount {$680.00} from my escrow account. I called them again on XX/XX/XXXX at XXXX XXXX Moutain time stating my problem. The lady on phone repled that they never received any request and said I need to upload a signed document requesting it. She said the amount they had paid to my previous insurance company will be refunded by the insurance company but after calling the insurance company they said that they never received the check or any money form my mortgager. 

I called LoanCare XXXX back on XXXX XXXX at XXXX am telling them that neither of the insurance companies received any check. The lady from Insurance department ( XXXX ) called XXXX on a conference call and enquired about the transaction and XXXX confirmed that they never received any money. After the group call, she told me that the money ( {$910.00} ) will be shown in my Escrow balance in 3-4 business days. But the money they paid to my new insurance ( XXXX XXXXl {$680.00} ), she said I would get it through refunded from the XXXX XXXX and she gave a check number ( XXXX ) as a reference to contact XXXX XXXX   te get a refund. 

Today is XX/XX/2020 and none of the insurance companies has received any check form XXXX, which clearly indicates that this mortgage company is doing fraud with me by taking my money. They are not refunding my money ( XXXX + XXXX = {$1600.00} ). 

It is questionable how can they charge me money when I made a request to remove my hazard insurance and tax from escrow ( XX/XX/XXXX ). Moreover, their intentions are clearly fraudulent when they ignore my request stating that I HAVE PAID my insurance OUT OF POCKET ( XX/XX/XXXX ). The insurance company ( XXXX XXXX ) also stated today that they have not received any check ( which was sent on XX/XX/XXXX XXXX and XXXX had mentioned not receiving any money on XX/XX/XXXX in the conference call. 

I need a total amount of {$1600.00} to be added to my Escrow balance, then remove all my liabilities ( insurance and taxes money ) from my escrow and refund me total escrow balance including the previous balance. 

Thank you
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (OR)

I went into a local XXXX XXXX banking branch and attempted to open a basic checking and savings account. At the end of the application process I was denied due to being flagged from a third party credit reporting agency, XXXX XXXX XXXX, XXXX. I called XXXX and they stated that there was two discrepancies on my consumer report that could be preventing me from opening a bank account at a reputable banking institution. One was from XXXX XXXX with a charged off balance of {$510.00}. This was entirely my doing. The second was a charged off account from Citibank , N.A . for a total amount of {$1100.00}. I have NEVER banked with Citigroup XXXX Inc. for the duration of my life. After further research, this fraudulent account was opened on XXXX XXXX, XXXX. My identity was stolen and fraudulently opened a checking account with the unauthorized use of my social security number.
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. (PA)

Equifax mishandled my information which has led to a security 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.
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: WELLS FARGO & COMPANY (SC)

I purchased a vehicle from XXXX ( XXXX XXXX XXXX XXXX, XXXX SC ) in XXXX. I have had several problems with the vehicle, receiving empty promises for the issues to be fixed. Once I started to file complaints with XXXX, XXXX, etc, XXXX began sharing my credit information falsely, saying I was denied credit.
Consumer complaint received 2017-09-12
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. (NC)

I have a XXXX by XXXX card. I stayed at the XXXX XXXX by XXXX from XXXX XXXX through XXXX XXXX, XXXX. After that stay, I discovered that I had been double billed ; once for my stay and once for the stay of another member of the group I was traveling with. 


I wrote to XXXX requesting a reversal of the charges to my card for someone else 's stay, as well as a reversal of all late fees, interest charges, and negative hits to my credit report. XXXX denied my request and found that the charges were valid. 


Of note, I can not have my phone with me at work. I can not access my civilian email from my work computer. I often come out from work at XXXX or XXXX o'clock to find several calls from XXXX, but their call center is closed by the time I leave and does not open until I have been at work for an hour or XXXX. The few chances I have had to complete a live conversation with a Chase rep have not been fruitful ( I have those conversations saved ; I clearly stated that the conversations were being recorded on my end to avoid any legal complications ). I mention that to illustrate some of the difficulty that we have had in communication. 


The hotel 's XXXX admitted, via email, that the charges to my card should have been charged to sI finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card.omeone else. The XXXX first refused to refund me until another card had been presented, and then told me to do the legwork to find the contact information for the person whose stay showed up on my card, saying that they could n't refund me until they had another card. I provided the contact information to the XXXX. The XXXX responded with : " I finally got this taken care of-the credit will be processed today. It XXXX take up to XXXX business days to be reflected on your card. '' That message was sent XXXX XXXX. I still have not seen any refund to my card, and XXXX is denying my appeal to dispute the charge despite the emails I provided to them showing clear mishandling of the account by their affiliate, XXXX. 


I AM showing that my credit statements are being impacted, my Chase/Marriott card has been cancelled due to non-payment ( for charges I did not authorize and for late fees and interest associated with those charges ). 


I have clearly stated several times that I am asking that XXXX refund me the charges for the stay that was wrongly charged to my card along with all fees and interest associated with those charges. I 'm also asking them to redact the negative credit reports that have been submitted. 

So far I have received absolutely XXXX traction from either company. Can you help?
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. (TN)

This is about the Equifax data breach. The breach lasted from XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 
I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.
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 — Old information reappears or never goes away
Company: ECMC GROUP, INC. (LA)

The creditor ECMC has had a collection/charge off account on my credit profile which I have disputed several times because the student loans were consolidated and they were never late. The creditor keeps removing the accounts from my credit profile then places them back on my credit profile as a new collection account. This is impacting my credit score greatly as the accounts are in negative standing on there and being reflecting twice on the separate accounts and on the consolidated account. 

I have disputed them several times and each time the accounts were removed then placed back on my credit profile
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (MD)

Equifax should be held accountable for their failure to notify customers in a timely fashion that all their personal information has been compromised. 

Individuals impacted should receive a copy of their credit report immediately, free lifetime credit monitoring, and aCcounts should be frozen. 

I attempted to get my credit report from annual credit report, but the EQUIFAX system continues to fail. It 's bad enough that Equifax waited to tell everyone that the system was compromised and personal info stolen, but it 's made worse when you ca n't get a copy of your credit report to find out if someone has fraudulently started using your name and SSN. The site just crashes over and over. Then you type in your information and the system tells you that you are part of the system hack and your information has been stolen, but you ca n't sign up to do anything because the system is down ...
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. (MD)

On XX/XX/XXXX I learned that Equifax allowed my personal data to be shared outside of their organization with nefarious hackers. Then they attempted as their resolution to the problem to provide me with a service that they supposedly sell to monitor my credit for only a year ..after that of course they 're going to charge me for it. The fact that their security was so lacks that they allowed my sensitive pii to be shared outside their organization was bad enough but the fact that their resolution to the problem is a money-making scheme is infuriating.
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. (CA)

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. Equifax first learned of this hack on XXXX XXXX 2017. 

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 the consumer to have deal with.
Consumer complaint received 2017-09-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (NV)

Hello. OnXX/XX/XXXX I returned a leased car over to XXXX XXXX XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
OnXX/XX/XXXXXX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to XXXX because I returned my car before the end of the lease. I went immediately to the XXXX dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that XXXX made, they processed improperly the trade in paperwork and that 's why XXXX was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

Equifax allowed their security system to be breached, exposing 143 million persons ' information. However, they are charging {$30.00} to freeze my credit report and protect myself from their negligence.
Consumer complaint received 2017-09-11
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. (AL)

I sent Equifax a second letter disputing accounts on my credit report XXXX XXXX, 2017 and requested That they remove all unvalidated accounts from my credit report. I received no documents showing what they used to verify these accounts. Equifax has not or can not verify any of these accounts and has not returned any documentation within the 30 days from the time they received the certified letter.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (IN)

From XX/XX/XXXX to XX/XX/XXXX there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. I have attached 2 examples where these hard inquires have not be accurately verified and validated.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MO)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-09-11
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. (OH)

Last week Equifax improperly handled my wife 's and my own credit reports. They are offering a year of free credit monitoring through their own provider. Most likely our compromised information will come in to play years from now and could potentially effect us for the rest of our lives.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CO)

I have a collection on my report that belonged to my XXXX ex husband. Even though it was his and not mine i still paid it and the company removed the item from my credit report. Now another company is attempting to collect the same debt that was paid thru the other company and have put a new collection on my credit report. I have attempted to get the collection removed from my credit report with the XXXX credit bureaus but they are not removing the collection.
Consumer complaint received 2018-06-03
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: WELLS FARGO & COMPANY (TX)

I am sending this complaint against XXXX 's incorrect negative reporting on my credit reports. I have attempted to have this issue resolved with XXXX 's through filing a dispute with the credit agencies and to no avail. The problem that I have with the statements received from XXXX 's states that my payment due date is on the XXXX of each month ... I am just going to list one of the statements billing cycles as an example ... This is the one that a 30 days late was reported on my credit report for XX/XX/XXXX. The billing cycles shows from : XX/XX/XXXX to XX/XX/XXXX, now from this billing cycle a " consumer '' would think this billing cycle is for XX/XX/XXXX. With that being said, how could my billing due date be for XX/XX/XXXX when this billing cycle goes beyond the XXXX? My next question of concern, how is this cycle billing for the month of XX/XX/XXXX when it covers the month of XX/XX/XXXX? How can XXXX 's expect a customer to make their payments on an account before the cycle ends? 

I feel as though XXXX 's billing and reporting is 'fraudulent '' and very " deceitful ''. This company should not be allowed to impact negatively on a consumer 's profile report and get away with this type of fraud reporting. Perhaps, they should look at how their statement cycles are calculated. 

Overall, I am so unhappy and disappointed with their overall calculating and deceitful reporting ... I am currently in the process of accessing funds so that I will totally pay off this debt and NEVER shop or do business with them ever again. Word of Mouth is very damaging to a business ... It is my intent to apprise any and everyone I can as to how this company chooses to conduct their business.
Consumer complaint received 2017-09-11
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. (VA)

I was part of the recent Equifax security breach, and believe my personal information may have been put at risk due to Equifax 's negligent security practices. I have put a fraud alert on my credit reports, but have neglected to use Equifax 's one year of credit monitoring, as I do not want to waive my right to take the issue to court if I am further damaged by this issue in the future.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

My apartment burned down in 2018 where my electric bill was still active in an uninhabitable environment. XXXX XXXX charged me for a timeframe that I was not in the unit and I was required to pay it to move back in, which I did on XX/XX/2018. This account is currently negatively impacting my credit report as a collections account and a charged off account on my file.