davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( WESTLAKEFIN ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (SC)

I accessed my credit report and saw that there were at least XXXX social security numbers that I did not recognize associated with my name. In trying to rectify the problem, I am asked to pay for services to access my credit report again. There is erroneous information on my credit report which does not belong to me and it is hurting my credit score.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Experian assisted XXXX by claiming they investigated this account and refused to remove it. 

I decided to go and do research through the XXXX state ( Texas ) as of XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I requested my credit report from Experian on XX/XX/2016. I was refused a copy of my annual credit report. Experian mailed me a rejection letter stating I was sent a copy of my credit report in the last 12 months. 

I never requested a copy of my credit report in the last 12 months and never received any sort of copy of my credit report from Experian in the last 12 months. 

I need a copy of my credit report as I have been denied a refinance on my home. 
I applied for a mortgage with XXXX and XXXX XXXX XXXX and was denied because of my credit report.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (CO)

This letter was sent to mortgage company Seterus INC. Now my house is in foreclosure, and they wo n't talk to me, since loan is in my ex-husbands name. I have made every payment since being awarded the house last XXXX XXXX. This letter I am attaching will explain more. 

Seterus , Inc . 
XXXXRe : Loan # XXXX-XXXXXX/XX/XXXXTo Whom it may concern : I am writing to request information on my home ; at property address XXXX 

This is my house. It was my child hood home I inherited in XXXX from my deceased parents. When my ex-husband and I refinanced this property with your company, we used only his income and credit score, because at that time I was a stay at home mom, and he had the higher credit score, making the interest rate and payments lower. I was, and always have been authorized on this account, until recently! I have been trying to find out where my XX/XX/XXXX payment of {$760.00} is at that I sent you. It has not been sent back or cashed. Nor will anyone discuss this with me!! 

Last year, XX/XX/XXXX our divorce was finalized and the judge awarded me my house. ( COPY ATTACHED ) XXXX XXXX was court ordered to pay all the delinquent payments at that time and I would resume the first XXXX in XXXX XXXX. 

I made each month 's payment to you in the amount of {$610.00}. I paid every month! I sent you XX/XX/XXXX payment of {$610.00}, which you returned to me. ( COPY ATTACHED ) Letter states that you sent explanation to the borrower. I then called and was told that the payments were delinquent, and each month I paid, the payment would be applied to the previous months. Therefore, you sent me a copy of a letter you sent XXXX, stating you were willing to work with him on the delinquency of the account, and modify the loan. It stated that that a payment of {$760.00} should be sent in for XXXX, XXXX and XXXX, while you waited for hardship letter and documents from XXXX XXXX to modify. 

I called on Tuesday, XX/XX/XXXX and was told XXXX never responded to this request. I asked where my XX/XX/XXXX check for {$760.00} at! I was told they could n't discuss this with me as I was n't authorized now! 

Last night, XX/XX/XXXX I got a phone message from XXXX XXXX stating my house was in foreclosure and I had until XX/XX/XXXX to pay you {$5600.00} because I have failed to pay any of my payments over the past year!!!!!!!!!!!!!! I have sent you all of my canceled checks to you for the past year, showing you I HAVE PAID!!!!!!!!!! This is my house, and clearly XXXX is in contempt of court, which I filed against him on Tuesday XX/XX/XXXX with XXXX XXXX Courts in XXXX, CO. 

Please send me correspondence regarding my check, and what is going on. I am the owner of the home and I will file a complaint against you legally, if a foreclosure is truly happening. 

In my own eyes I believe that XXXX is just unhappy that I won the home in the divorce and doing everything in his power to make me lose it! 

I have attached all of the pertinent information needed for you records ... 

Thank youXXXXXXXX
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

I am unable to get my credit report or Score from Equifax and have had trouble with this for over a year. I have filed a complaint with you guys months ago and nothing ever happened. XXXX is trying to pre-approve me for the home of my dreams and I am getting turned down because they ca n't obtain my Equifax report. This happen to me this summer when i contacted you guys because I got turned down for a boat I wanted but they too could not pull my Equifax. I sent you guys some of the XXXX emails I have sent to Equifax and I ca n't get anyone at Equifax to help me, my last complaint number was XXXX. I have not been able to have any creditor to be able to obtain my Equifax for over a year now. I am sick of my credit report being held XXXX, I have read I can sue them for each time they do not release my info which has now been dozens. That could cost them a lot of money. Do I need to hire a lawyer and sue them for this for I am about to lose the home i have been looking for for 2 years. I am pre-approved with experian with a XXXX and XXXX with a XXXX, all they need is my Equifax which should be even higher. All I want is my credit file fixed but I am not waiting much longer before I just file a lawsuit. I ca n't take this anymore and they are definitely in the wrong! Please tell me if you can help or I should hire the lawyer I have been talking with?
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I am unable to answer the identity validation questions because they do not pertain to any past credit accounts I have ever owned or opened in my name. I was unable to answer the security questions in order to see an on-line credit report for Equifax. Due to non-existent accounts asked about my identity questions. I was able to answer and view my credit reports for XXXX and XXXX with no issues.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

i applied for a car loan and was denied for a report from equifax.i tried using the website but it was unable to deliver the file online so it wanted to transfer me to an agent which instead promptly hung up i tried this auto system 3 times and all were terminated by its auto service.no where does not give you an option for a real person.
Consumer complaint received 2015-06-26
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: EQUIFAX, INC. (UT)

I got a call from a man with an XXXX accent claiming to be from Equifax Mortgage. He wanted to speak with my wife to verify personal information. He wanted Social Security numbers, bank account information, and other personal information. He claimed he would set up a conference call with my bank, which mean he would hear all of my bank login information via the conference call. The caller ID read ( XXXX ) XXXX.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX BANK XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX BANK XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

I have asked EQUIFAX TO PLEASE COMPLY WITH THE FEDERAL LAW AND SEND ME THE ORIGINAL SIGNED DOCUMENTS PER THE FCRA SECTION 609 THEY HAVE YET TO COMPLY PLEASE SEND ME THE COPIES
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MI)

We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XXXX. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than two, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of two forms of identification, in order to have these disputed items removed.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Equifax has been notified multiple times by phone, fax and website via the dispute link of account ( s ) that are appearing on my credit report due to fraud. They have been provided law enforcement reports ( ie., police reports, FTC , etc. ), dispute letters and other supporting documentation to prove my identity. They have constantly failed to resolve the matter and furthermore investigate. The account ( s ) being disputed as fraud are : XXXX XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX Acct # XXXX ; XXXX Acct # XXXX, supporting documentation to support my claim has been provided to them. They state that " the information means nothing, if the creditor does n't respond they ca n't do anything. '' Time after time, I have disputed the account ( s ) and all the times, I receive a notice the following day stating " update, account remains. '' They are doing nothing to investigate nor help the consumer at all, that is my right as a consumer and their job as a data furnisher and/or credit bureau to investigate and rectify the matter.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with XXXX & Equifax advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on XXXX and equifax
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Billing disputes — 
Company: EQUIFAX, INC. (IL)

Equifax Consumer XXXX placed a charge on my credit card for {$17.00}. I called them to determine why the charge was made. I spoke to XXXX folks, in XXXX and the US to try to determine why the charge was made. I was on the phone for over two hours and transferred around the globe. In the end, they suggested, I write a letter and provide copies of my credit card billing, which contains other personal information. They were not able to help me via a phone call.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

A company informed me that I was eligible for loan discharge because the college that I graduated from closed, so I called Navient ( my loan holder ) because the other company wanted me to pay {$890.00} to help me. When I called Navient, they said that I am not eligible for any help. I explained that I have been making payments for 11 years now and have not even made a dent in my loans, and the woman on the phone said well you just have to keep paying on them. I asked if it was possible to get any kind of forgiveness or any help at all to pay them back because my degree is not usable because no one accepts my degree from XXXX. It is as if I never went to college at all, and after 11 years I am still drowning in the debt of a degree that is basically trash. I just wanted to find a way to make a dent in these payments and she did n't even want to deal with it. It is very frustrating to not be able to even get help from the company that holds my loans.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I have a mortgage with a servicer by the name of seterus, I just received a letter from an attorney claiming to be the attorney for fannie mae and seterus. I had requeste information regarding the hoa fees charged to my account. This attorney XXXX XXXX, has lied. He says they were not hoa fees, even though that is what is written on the statement. He says those are attorney fees for the attorney in some quiet title law suit. I have never received a letter from an attorney, and further that case didnt start until 5 months after these fees were charged. I want to know who the attorney on my loan truly is. I am being scammed out of my property and want answers.
Consumer complaint received 2017-01-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

I have received calls daily from Hyundai/Kia financing. I have never purchased either of those vehicles, nor financed through them. I called them XXXX, to straighten everything out, and was told I would n't receive any more calls. I received a call on XXXX. I feel they are trying to harass to collect a debt, however they are calling the wrong person.
Consumer complaint received 2016-04-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CFS2 Inc. (NC)

I disputed a CFS2 trade-line on XXXX of my credit reports. These were initially disputed on XXXX XXXX, XXXX to XXXX via certified mail and XXXX on XXXX XXXX, XXXX. Each of these were verified by CFS2. 

I subsequently received letters from CFS2 dated XXXX XXXX, XXXX and XXXX XXXX, XXXX stating they did not have the necessary information to verify my account and would need 60-90 days to do this. I disputed this trade-line again with both XXXX ( XXXX XXXX, XXXX ) & XXXX ( XXXX XXXX, XXXX ) and CFS2 verified both accounts again.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (TN)

A couple of months ago I had fraudulent activity in my bank account which in result forced me to change banking acct. numbers. This was of course a headache by having to change recurring credit card payments with my new account. A day before this happen a payment already had processed to be paid which was a recurring payment for Walmart/ Synchrony bank. I quickly tried to contact customer service to informed them of what happen. The customer service rep. advised me to send in a copy of the bank report concerning the theft in my account, which I did and that they would honor that. I quickly went into change the recurring payment and cancel out the old bank account number, and made a payment right after to clear up the payment that was returned. Obviously the next payment was due, the system was still set on recurring payment of the old banking acct. number, ( which I changed ) which cause the payment to be returned again. Walmart/Synchrony bank closed my account. I begged and pleaded with them by chat and writing letters to the president to please not close my account. I explained that I have been faithful of my payments due ever month until this tragedy happen. This was not my fault, I see if I was a person that did this on purpose, but that was not the case. I understand that a lot of consumers have complained about the same situation that I am going through. I have other credit cards with Synchrony bank and they did not give me this problem like the Walmart account. What is the problem? I sent in evidence, I tried to correct the payments and they still closed my account. Something needs to be done!!!!! I understand they have rules, but my situation did not apply to the rules and had evidence which should have been waived.This is not right!! And I am not going to give up fighting!
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NJ)

Sam 's Club Synchrony Bank is my creditor and I have a credit card with them. The issue with them is that my account is not being reported to XXXX credit reporting. I have requested on several occassions for about a month now if the would please re-report or re-insert my credit information to XXXX because it some how was removed. As of today that has yet been completed and it is very irritating and harming my credit
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I am a victim of fraudulent charges, unauthorized by me, to recipients that I personally know. Because of that, banks have denied my claims and I am stuck on a wild goose chase between my banking account and it's partner, XXXX, to receive my funds. It has proven to be in vain for I am now denied a claim and any sort of compensation. This all began on the XXXX of XXXX in 2023. {$4000.00} split in XXXX and sent to XXXX of my friends. They immediately sent it back to my account, but it was as if the money disappeared into thin air. Their transaction got approved by XXXX, but it didn't show up in my account. 

I have made several calls with Chase, my bank, to which they have all been kind but largely unhelpful. I had even scheduled a visit with the bank to change my User ID and my password to prevent this fraud to happen again on my account. 

I knew that my account was compromised the moment I tried to verify my information on call with an employee. They gave me security questions that I was not able to answer, and as a result, I was not able to get into my account. That was when I had to go to a Chase bank directly. 

The bank told me that they did not have a " XXXX XXXX '' department and that they were unable to help me, so I am unsure of what to do and how to gain compensation back. Bank tellers have tried to assure me and say that I will receive the money, even if it is by credit and not from the scammer, but I do not have trust in those words after what has been said to me during these last few weeks. I feel hopeless.
Consumer complaint received 2016-10-13
Product: Prepaid card — Mobile wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Paypal offers the use of PayPal MyCash which allows consumers to add money which can be transferred to the holder 's PayPal Account. Within the past few weeks, it appears everybody is having issues getting these cards to work. 

Paypal will not admit there is anything wrong either.
Consumer complaint received 2016-02-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (WA)

I have a complaint about PayPal credit services because I did n't ask to get sign up for the credit account and I find out after that they attempt to get a pre-approval credit loan on my account. I thought that they pulled money from my credit card or linked bank account. I never get any statements from them and now I see a lot of debt incurring. I do n't think that they have updated the refunds or accurately post them in my account balance! I feel like I 've been cheated because I did n't sign up for this and the high interest rate.
Consumer complaint received 2016-02-27
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

My friend, XXXX XXXX, had a PalPay account. He passed away in XXXX 2015. His PayPal account was attached to my bank account which he was also a signer. I continually receive emails that there is fraudulent activity being attempted from PayPal to my bank. I attempted to close the PayPal account on line but the only way to close the PayPal account is to have PayPal send a text to his phone number that has been disconnected. I have contacted PayPal several times and they refuse to close his PayPal account, even though there its no activity other than these fraudulent attempts over the last 5 months. I should not have close my bank account since I has had this account for over 20 years and its attached to all my personal business.