davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

Haven't been able to login to my new CitiBank account for 2 months. XXXX XXXX notice XX/XX/XXXX that my account was frozen due to fraud and to call a number. Called the number XX/XX/XXXX and was instructed to verify a few things, including my phone number. They said my phone number was unverified and I was not able to verify my identity as a result, however they'd be in touch within 48 hours to get it fixed. Never heard back. Still unable to log into account, and my credit card bill is due, which CitiBank keeps emailing me about. Called CitiBank on XX/XX/XXXX to try and verify again, but the rep ended up hanging up on me when she realized she couldn't help me access my account due to my phone number not being verified. 

At this point I just want to pay my credit card bill and close my account, and it's impossible. The rep told me I'd just have to call back and try again, but that I'd get the same results. I'm concerned my credit will be affected. 

To top it all off, the reps were so incredibly rude and unhelpful and callous towards people whose money is unaccessible in CitiBank for no reason. They are clearly based in XXXX XXXX and have a clear script they must follow. They have no problem hanging up on you. I have no faith this will get fixed in any way but 3rd party intervention.
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NJ)

Ive made multiple attempts and multiple times not receive any assistance by multiple associates including supervisors at local branch and customer service number. Not happy or with service received from my local branch where my account is located. ( The XXXX location ) The branch has giving me a hard time about my inquiries regarding my account and has been extremely rude, dismissive and not willing to assist me with my concern on multiple occasions. I spend several hours reaching out for assistance and continue to be transferred from one person to another to another over and over again and no result. I have a Daily interest loan with high interest rate. I am well aware of. My concern is Ive noticed my payment these past few month as been going more towards interest and less towards principal. Ive had this account for some time and made all payments as scheduled and never missed a payment. Over time with this account I should see more of the payment applied toward principal and less toward interest. That is not the case. At this point I feel I am being robbed and this account is not correct. Please look in to this matter and assistance me as soon as possible. I will look to escalate this matter to executive office. I hope to hear back from someone regarding this urgent matter. I do not want to speak with anyone from my local branch. 

I am completely dissatisfied with service Ive received up to this point and dont wish to do any further business with this OneMain financial and would not recommend or refer any to do so themselves.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NY)

Dear XXXX XXXX : Thank you for contacting the U.S. Securities and Exchange Commission ( SEC ). 

Please note that mortgage and loan-related complaints generally do not fall within the SECs regulatory jurisdiction. The SEC regulates and enforces the federal laws that govern the sale and trading of stocks, bonds, mutual funds, and other securities. Our website, https : //www.sec.gov, explains what we do in greater detail. 

The Consumer Financial Protection Bureau ( CFPB ) is the government agency that deals with mortgage-related complaints, so we suggest that you contact the CFPB with your concerns. You may submit a complaint by completing the CFPBs consumer complaint form available on its website at https : //www.consumerfinance.gov. You may also contact the CFPB directly at the address and telephone number listed below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We hope this information is helpful. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Securities and Exchange Commission www.sec.gov www.investor.gov 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  : MY QUESTION HAS TO DO WITH SECURITIZATION OF MY MORTGAGE WITH XXXX XXXX. AFTER SENDING MY MORTGAGE INFORMATION TO A WEB BLOG CALLED XXXX XXXX XXXX ; I WAS INFORMED THAT INDEED MY MORTGAGE WAS ONE OF THE THOUSANDS THAT THE COMPANY ILLEGALLY SECURITIZED. I DID/DO NOT HAVE THEIR FEE TO PROCEED. HOW CAN YOUR ADVOCATE HELP ME? 

... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (TX)

I noticed XXXX XXXX XXXX on my credit report. This account was placed on my credit report in error. XXXX  XXXX XXXX... Date the account was opened XX/XX/2014
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. Collections West, Inc. (AZ)

www.uscollectionswest.com The U.S. Centers for Disease Control and Prevention ( CDC ), at the direction of the President, filed an Order in the Federal Register to temporarily halt residential evictions to prevent the further spread of COVID-19. The Order, which went into effect on XX/XX/XXXX, temporarily bars evictions of certain qualified renters in residential housing until XX/XX/2020. 

These people are collecting a debt incurred during the pandemic and ignored all of the laws in place at the time.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I got a loan with XXXX XXXX  in 2021 which was paid in full never late. At some point someone other than me renewed the loan. The address, signature, employer were not mine, and I do not recognize them. They attempted to get a default judgement in a different jurisdiction with out me being aware. When I found out I got the default judgement set aside. They refilled where I actually live with a bogus contract. The signature does not even resemble mine. Im unsure if it is contract fraud or XXXX XXXX. I provided a notarized FTC XXXX XXXX  affidavit and a police report. I offered to pay stating the debt wasnt mine but Id rather pay them the {$2000.00} and change they claim I owe than pay it to an attorney and potentially have to pay them both. They explained they already had a default judgement and would make more collecting off of that. They served an employer that isnt even mine with wage garnishment paperwork. They should have had my real information from when I actually applied for a loan, but they used whatever the XXXX XXXX provided instead. The default judgement was set aside and they moved to XXXXhe county I actually reside in and they started the process of trying to get a default judgement. Incorrectly, citing trial rules that do not apply. We will go to court XX/XX/2024 to try and resolve this. At this point they are trying to collect on a debt not owed, that they have been notified was fraud. They are negatively reporting. What they are doing is abusive, and from XXXX  reports looks like a common practice. It is their responsibility to validate the debt, and report accurately. So far they have provided XXXX XXXX  on one of their contract forms that dont even come close to resembling my authentic signature.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking to be as accurate. 

XXXX XXXX
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX. I got credit report on XX/XX/2022, I saw a credit card account, ending with XXXX. 
XXXX. First called to KOHLS Fraud Admin on XX/XX/XXXX, KOHLS opened a case, later on, consider " Not fraud ''. 
XXXX. About XXXX, case reopened, later on consider " Not fraud '' again. 
XXXX on XX/XX/XXXX, I called, KOHLS said " Pay to delete '', then I paid. 
XXXX but on XX/XX/XXXX, new account created. 
XXXX on XX/XX/XXXX, this new account paid off. 

the problem is, the original account, is still stay in credit report, a negative mark. 

XXXX on XX/XX/XXXX, account balance increase to {$290.00}. I do not know which account. 

So KOHLS use my personal information, create new account, increase balance, at any time. 

XXXX. By requested, I received a statement on XXXX XXXX the address on statement is not my own. 

I called KOHLS, declared the address is not my own at very beginning. why KOHLS considered " Not fraud '', again and again, and now, KOHLS doing many messy stuffs by using my personal information.
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DISCOVER BANK (GA)

Im a XXXX and offer XXXX. I was contacted by someone seeking XXXX  and come to find out it was a scam. They sent me a check which I cashed through my bank : Discover Bank. The check was returned 3 days later but with no explanation other than contact sender. I explained to the bank that I believed the check was valid because it was cashed and my bank said the funds would be available early, that same day of XX/XX/XXXX. There was no fraudulent warning when I deposited the check. I contacted the fraud department but they were unwilling to give me back the {$1500.00} that were sent out from the funds of that check because they said I willfully deposited and sent out the money. The person that sent me the check does not answer my texts or calls and they have a XXXX number. I filed a fraud claim with h to he FTC. I hope you can help please. Im a XXXX and on a single income for my family. Thank you!
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a credit card issued by Bank of America and closed the account when I went abroad in middle 2015. However, someone charge an amount to this account after the closure and I was not aware of the charge and collection for years until I was back to the country in XXXX this year. I contacted BOA but they don't have any information about the charge other than the amount plus interest is {$64.00}, because the account has already been closed as per my request. But they commented that others can still charge to this account even it was closed. And I didn't receive any communication by phone call, mail or email when I was abroad. 
The collection and late payment are reported to all 3 credit bureaus and have huge impact to my credit scores. In order to minimize the impact, I paid off the balance in XXXX. I also filed dispute with credit bureaus about this record. But BOA simply updated the status as paid-off without deleting the late payment and collection records.
Consumer complaint received 2022-09-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MST Financial Services, L.L.C. (ID)

On XX/XX/22, both my husband and I were contacted by Chapman Financial regarding two medical debts owed to them by me, one of a personal nature for myself and another for our child. I attempted to set up reasonable payment arrangements for this debt to pay them off in appx 11 monthly auto payments, and was asked for my husbands employment verification which I declined to provide, as we keep our bills separate as well as our income. The representative, XXXX, spoke with her supervisor requesting the payment arrangement be approved, and was then told that it would not be allowed and payment was required in full if I would not provide his confidential information. I further pressed how I could submit payments manually, and was told they will only accept payment in full ( appx {$1700.00} ) unless I give his information to them. This is abusive, intrusive, and Im fairly sure it is also illegal, and I want their debt collection practices reported and rectified. My husband is not liable for this debt, and his income is not and should not be considered for repayment purposes, or the threat thereof. As an additional note, I have worked with this collection agency before and was never asked for this information, and paid my previous debts accordingly via auto payments.
Consumer complaint received 2022-06-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-16
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: Bread Financial Holdings, Inc. (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have provided Equifax Credit Reporting Agency all necessary documentation under Fair Credit Reporting Act in regards to identity theft to have information due to fraud removed from my credit file. I recently receive correspondence from Equifax stating I needed to file FTC theft report to have information in question removed/BLOCK from my file on XX/XX/XXXX, XXXXIn which I have provided to Equifax upon request. However, I was told by Consumer Affairs department at Equifax, that either police report in which I provided in XX/XX/year> or FTC identity theft report would be sufficient to have the items Blocked from my file. Upon providing documentation requested from Equifax they have not deleted the accounts from my file. I am a victim of Identity theft and Equifax has not followed federal law as it relates to Fair Credit Reporting Act identity theft. Can someone please assist me with this situation. I have followed all necessary steps to have accounts due to fraud removed from my credit file.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. 

Also, it is fraud for credit bureaus to furnish a consumer 's credit report without a written request from the consumer. I haven't given anyone a written request to furnish my accounts. Credit bureaus must also investigate disputed information and correct or delete inaccurate information.
Consumer complaint received 2023-05-30
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. (NJ)

I sent investigation letters to XXXX and transunion on XX/XX/2023 in regards to inaccurate information reporting on my profile all letters were sent certified mail I also requested their method of verification giving names and contacts of everyone they spoke with to verify any accounts on my reports I further explained in my letters that I do not consent to the e-Oscar method of reporting that the bureaus use to so called investigate which is totally illegal as of this date of submission of this complaint XX/XX/2023 I have received no response from the bureaus Im requesting the intervention of the cfpb to force these bureaus to get in compliance with the law and remove any item reporting inaccurately and unverifiable according to my rights as a consumer.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

My issue is with the company called ( XXXX  ). Back in XXXX of 2023 I was trying to start my own business and ran across a scam entrepreneurship company that was working with them and they reported a late payment on my credit profile but I terminated my contract with then and they still reported it.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (IN)

I was a customer at Regions Bank and I was charged illegal junk fees. 
I paid those fees and I now learned that the government is making Regions Bank pay those fees back. 

I want to be reimbursed of the hundreds of dollars I've paid out to this bank.