davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
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: Experian Information Solutions Inc. (CA)

In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX  XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, XXXX and Experian on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from Experian called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from XXXX  on this matter.
Consumer complaint received 2024-10-10
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. (DE)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-10-02
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: EQUIFAX, INC. (CA)

I was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX score really low I'm not able to do anything and I have fought and fought for the past three years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a XXXX phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life
Consumer complaint received 2018-10-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

1st call was made to my job on : XX/XX/XXXX at XXXX XXXX, i told the woman on the phone i could get in trouble for them calling me at work. Asked them to stop. 
Here is a list of dates and times they still called XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I got a mortgage through Citizens Bank in XX/XX/2020. Working with the loan officer, I told him I needed my payments to be around $ XXXX. They were able to do so. 18 months later, my escrow is {$10000.00} deficient. Turns out, they used previous owners taxes as my estimation, which is normal procedure, however, my condo is in a PILOT program, in XXXX XXXX, XXXX So Taxes are based off of sale price. I bought my condo at a much higher price than the previous owner ( original owner ) ... Citizen 's position is my taxes went up so therefore my escrow is deficient now requiring $ XXXX mortgage payments which are outside my budget. My taxes actually went down, however, yes they did go up from the estimated amount ( based off the previous owner ) but that was an ERROR on citizens as they should have been aware it was a pilot program and known taxes would be based off my sale price, not the previous quarter from the previous owner. 
Furthermore, in conversations with Citizens, they told me on the phone they could spread out my escrow payments to reduce the monthly payment to {$3600.00}, still too high but a little more reasonable and allow me a little more time to figure this out. That conversation took place on XXXX with XXXX XXXX. However, Citizens just took out {$4300.00} for my XXXX monthly payment, so I was provided false information by Citizens, since the {$3600.00} never happened. 
At this point, Citizens is no longer returning my phone calls.
Consumer complaint received 2022-01-05
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)

TRANSUNION and XXXX XXXX  XXXX XXXX and XXXX inquiries RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

{ dispute_item_and_explanation } under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals OfficeXXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

Through XXXX servicers I have requested an accounting of my modification payments and why they were never applied to my loan causing the modifications to be in default. After XXXX, a judgment not including these payments numerous copies of the payments the last servicer concedes the previous servicers never applied the payments to the loan. But they claim at this point there is nothing they can do since they only serviced the loan. Wilmington Trust claims even though they own the loan they have NOTHING to do with the money so there is nothing they can do. How is that possible if they own it? 
Just more excuses to take the home and the equity I built up. So basically no one can do anything because no one controls the property or has anything to do with the money. So I should just go back to court show them how they admit payments werent applied show the accounting show the fraud of false affirmations by Attorney and servicers and have the judge decide who is responsible and who can do what they legally should since XXXX told me to contact Wilmington Trust and Wilmington Trust says contact XXXX
Consumer complaint received 2022-05-02
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-06
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. (SC)

I've sent certified mail to these companies to request authorization from the following Companies : XXXX XXXX XXXX XX/XX/XXXX, $ XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXXXX/XX/XXXX, {$300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$300.00} XXXX XXXX, {$230.00} XXXX XXXX XXXX XX/XX/XXXX, {$580.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, {$200.00} XXXX XXXX XXXX XX/XX/XXXX, {$500.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

My Synchrony Bank JC Penny account balance is currently around {$900.00}. However, this information is not correct on all three of the credit bureaus where they are showing a balance of over {$6000.00}. Since XXXX of 2022, I have contacted Synchrony Bank numerous times and have filed a dispute through the proper credit bureau 's channels, which is now closed. To further complicate matters after speaking with Synchrony Bank in XXXX 2022, the account balance went from over {$6000.00} to {$7000.00}, and an immediate decrease in my credit score. This inaccurate information has caused me to have several declined requests for credit with the most egregious being refused living accommodations for a XXXX XXXX veteran.
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/XXXX I was scammed through XXXX and had {$1000.00} sent to a recipient, claiming by the caller they were the bank and they were helping me reverse the transaction. The recipient email was entered as XXXX and my name was entered into recipient name area. XXXX XXXX was put into the memo line of the transfer. After the money was taken from my account I called my bank fraud department ( wells fargo ) and filed a claim within minutes of this happening, claim number XXXX. I was told the money would be returned to my account within 10 days. The bank provided a provisional credit while they looked into the case. On XX/XX/XXXX the bank took back the provisional credit of {$1000.00} stating the case was closed on XX/XX/XXXX and my claim was denied because I authorized the transaction and the money went to the designated recipient. I called Wells Fargo on XX/XX/XXXX and was told someone would call me back to assist me with reversing the denial. I called again on XX/XX/XXXX after not hearing from the bank and was told someone would be calling within XXXX hours. On XX/XX/XXXX I received an email explaining that my claim was denied because the transaction processed correctly.
Consumer complaint received 2022-01-05
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. (FL)

I disputed this item with XXXX, XXXX, and TransUnion on XX/XX/21, and XX/XX/21 and XXXX, XXXX, and TransUnion have incorrectly " CONFIRMED '' this is accurate and XXXX is WRONG. 

Furthermore, XXXX, XXXX, and TransUnion never sent me a response to either of my disputes yet it remains on my reports. 

However, according to the documentation I have attached from the creditor the WHATEVER WAS MISSING AND UPDATED is incorrect. This means XXXX, XXXX and TransUnion didn't contact the creditor. Delete this item immediately. 

XXXX XXXX XXXX XXXX THIS ACCORDING TO THE REPORTING PARTY YOU WERE INSTRUCTED TO DELETE! XXXX, XXXX and TransUnion have FAILED.
Consumer complaint received 2022-01-05
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: American First Finance, Inc. (GA)

I received 2 letters dated XX/XX/21 and XX/XX/21 from American First Finance. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from American First Finance. I called American First Finance and the representative told me that this is for furniture that was purchased at XXXX XXXX XXXX in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. 
After several weeks of phone calls and sending letter to American First Finance ( AFF Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit report.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

On XX/XX/XXXX, a fraudulent check for XXXX was deposited into my checking account. Subsequently, a withdrawal of around XXXX was made ( amount of the deposit they made available ). I do not know how either action took place. I just know that they were not made by me. When the check was returned " refer to maker '' the bank began the process of closing my account due to fraud. They would not allow me to access the money in my savings account or make my checking account whole. They also would not allow me to access the mobile ap. They sent all notifications of this event to the mobile ap however, so I was not aware that this happened until I went to make a withdrawal from my account on the XXXX. I just received the written information today that there is an investigation and the intent is to close my account and send my money via a cashier 's check. I am a XXXX XXXX  and have been working 2 jobs all summer to limit the amount that I need to work during the school year. I have a car payment, insurance payment and school rent payments to make and I can not do so because the bank has my money. I didn't do anything wrong and now I am being punished.
Consumer complaint received 2022-01-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (UT)

I originated a credit limit advance with this company fir XXXX after calling and inquiring which charged less interest a cash advance or a personal loan, the employee told me cash advance, afterhaving them auto debit the payments and seeing the balance was going up not down i called in XXXX and cancelled all auto payments and asked for a settlement on the account, i was contacted by a person who claimed she was on the resolution team, she assured me no more payments were achefuled although i see them when i log into my account scheduled and said the type of loan i have there is nothing they can do to help me, this morning i woke up to have an email from netcredit saying thank u for your payment, they took another payment without my aithorization and another one scheduled for the XXXX that the website does not let me delete
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022, I contacted Capital One Bank to report that our personal joint checking account might have been compromised by a scam hack that I fell victim to earlier that afternoon. My youngest son brought to my attention that when he attempted to use our laptop, that a malware alert popped up on the screen. He showed me the laptop and I saw this security breach alert showing on the screen and there was a phone number to call for XXXX Security System. Knowing that I had protection on my laptop, I called this number and a supposed security team analyst informed me that my IP address to my laptop had been compromised and fraudulent activity was occurring on my accounts. This person presented herself as an analyst, she provided a name, badge ID #, and requested to remote into my phone to track this alleged hacker who compromised my IP address on my computer. Once I took the bait for this rouse, I was asked to notify my bank that fraudulent activity could be happening on my account since this hacker had access to my account information. This alleged XXXX security member stated that a pre-authorized transaction had been made on my account for XXXX at an online gambling website. At one point, this security analyst person asked to make an outbound call to my bank so that I could inform of the fraud and attempt to block the transaction. I again under the guise of this rouse allowed this person to make an outbound call to my bank in which I was transferred to another individual impersonating to be a fraud team member of Capital One Bank. This second individual convinced me that she was aware of the fraud attempts on my account and that I needed to secure my account by creating a duplicate account. She then advised me to purchase gift cards that would be used to secure the funds that were available in my bank account. So at this point, I became very uneasy. Still, under the click and bait scam, I purchased these gift cards and once the alleged Capital One Bank impersonator asked me to provide the gift card number to her ; I immediately knew that I was being scammed. I contacted my bank directly and initiated a fraud claim and disputed the charge. On XX/XX/2022, I contacted Capital One Bank to inform them that I opened a new account and that I wanted all remaining funds from the account that was compromised transferred to the new account. It was then that I was directed to speak with a customer support specialist, her name was XXXX, who proceeded to tell me that the dispute would not be honored because I participated in a scam. She told me that my account no longer met the criteria of continuing a banking relationship with Capital One. I was floored because I felt scammed all over again. This bank representative essentially blamed me for taking part in a scam and proceeded to implicate me as a willing participant.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (PA)

In 2017 XXXX was beached and my identity used to ruin my financial security, sense of Safety along with all XXXX credit agencies, XXXX, XXXX and Expedian along with financial institutions XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, Pay Credit and collections accounts l : pal, XXXX, XXXX XXXX XXXX Collections Account Closed Collections Balance Decrease positive change : XXXX XXXX XXXX XXXX Failure to remove any of the listed derogatory remarks, false Information and defaming information on my credit file. All of these companies are breaking the law and discriminating against and fraud/ID victim. This has caused grat hardship, a mentall and physical Itoll over the last 6 years. This is criminal, negligent, and against FTC and consumer finance laws and regulations. I am begging for help in holding all of tgese compainea liable and accountable to damage to my credit, my ablilitj to get loans, refinance, apply for credit cards and crippled me financially. I have XXXX k in home equity which I have absolutely no way to utilize be ate loans will not be granted, Ive been denied for refinance and I can no longer stand for This to continue. If the derogatory remarks, information and false information is not only removed immediately biut that it remains off. I have spent years now only to have the information back on my report. There are laws against doing this and my rights are being violated. Im saving for a LawyeXXXX and will alert the media. Because of XXXX having the data breach my personal information back was used and my credit destroyed. XXXX ruined me life and continues to do so. who governs this?