davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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: U.S. BANCORP (NY)

Fidelity is not protecting me from fraudulent use of a credit card it issued to me. 

Furthermore, Fidelity keeps telling me different things when I call to address the matter. Fidelity has told me to submit my claim one way and assured my card would not be charged, only to later tell me my card will be charged. Fidelity has repeatedly told me I would receive follow up calls in the past, and then they would not follow through at all. 

In addition, Fidelity representatives continue to tell me, inaccurately, that I bought a purported ticket and used it and that the ticket was non-refundable. Therefore I have to pay it whether I like it or not. However, I did not buy or use this ticket. Fidelity keeps telling me to prove I did not buy it, but one can not show evidence for something such as this that did not happen. Their fraud reviewal process is flawed and nobody at Fidelity has been accountable. Their credit card operation is a rudderless ship. 

Fidelity markets and benefits from credit cards, but does nothing to help its consumers. They disassociate themselves from the credit card and tell their clients they have nothing to do with it when there is a problem. Fidelity is only interested in taking your money, not in protecting it!
Consumer complaint received 2022-08-22
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. (FL)

I have been actively trying to delete unauthorized accounts from my report. Equafax has violated my rights and did not properly investigate unauthorized accounts. They have prematurely closed their investigation allowing XXXX account resolution # XXXX which is a medical account where Ive not even been provided my visit or service information. I have never had any dealings with this company. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C. 1692D A debt collector in collecting a debt, may not harass, oppress, or abuse any person. My rights which equafax is helping them to violate. XX/XX/22 Equafax inaccurately varifed XXXX XXXX XXXX XXXX XXXXXXXX and # XXXX stating verbatim that this creditor reported accurate balances. For one XXXX XXXX XXXX is a debt collector and I dont have any accounts with them. They have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C. 1692D A debt collector in collecting a debt, may not harass, oppress, or abuse any person. 

Equafax response was not acceptable nor did they provide any assistance with this issue. Stating that balances are correct doesnt mean they belong to me. There are medical accounts that I did not furnish. There are 2 credit card accounts that I did not furnish and to state that they confirmed with the creditors XXXX XXXX XXXX when they are not even a creditor is disappointing.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I had a lease with Hyundai from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and XXXX my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, Hyundai reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with Hyundai to continue making payments to them past my original lease agreement.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 us 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OLD NATIONAL BANCORP (IL)

My health savings account is with Old National. I use a debit card. Recently I tried to use it, and it was declined. Have phoned them at least 6 times, and no one will pick up the phone. Thank god I did not lose it. They will not answer the phone. You wait a long time and then the call drops.
Consumer complaint received 2022-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FactorTrust, Inc. (CA)

XX/XX/2022 - Called because XXXX said my certified mail was forwarded. I called Factor Trust as I wish to submit a human trafficking block request. I was informed that the address online is not for human trafficking and that they do not have it up yet. It is XX/XX/2022 and law went into effect in XX/XX/2022. They are breaking the law by not providing accurate and available information for human trafficking survivors about where to provide their block request. I sent in the request on XX/XX/2022, to their address online by certified mail, and as of today, they do not have accurate information about where to send the block request. I asked for a fax number and they could not provide it. I would like my certified mail amount back and also they are breaking the law by not providing accurate method for survivors to send in information.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

Sleepys/Mattress Firm loan for mattresses purchased in XXXX  by my then husband, XXXX XXXX XXXX XXXX XXXX referenced number XXXX XXXXI, XXXX XXXX XXXX XXXX had nothing to do with that purchase. I for this seven year period have requested, to no avail, verification of my signature on the loan application. I believe the woman sales person worked with XXXX to put my name on that loan. I was not provided that information. My name and vital information was given without my knowledge or permission at the time of purchase. XXXX and I were still married at that time, and I was aware of the purchase. We shared the payment of the monthly bills. I made payments with my checking account for XXXX while unaware that my name was on that loan account with Sleepys/Mattress Firm . I gave him the check and he mailed the payment. I now know why he did not show me the payment stub, bill or mailings. It was because he did not want me to know that he or the salesperson put me on that loan without my permission. I have been fighting this for seven years!! We divorced shortly thereafter ; and he stopped paying the loan knowing my name was on it and I would be responsible. That was the type of person he was. He is now deceased ; and I'm still trying to get the charge off from my credit report. Please help me. Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-01-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Credit acceptance appears to have violated the terms of the contract for an auto loan and is reporting a fraudulent balance to all credit reporting agencies. Documentation from Credit Acceptance shows conflicting information regarding the repossession costs, which results in an unconfirmed the balance on the account. In addition, the credit for GAP insurance coverage that was applied to the balance on the account appears to be in violation of the contract and Ohio law.

Enclosed document - Page 1 has reference to GAP insurance, Page 2 has reference to repo costs ( which do not match costs on page 4 ), Page 2 has reference to GAP insurance credit, Page 3 has reference to sale of car at XXXX XXXX, Page 4 has reference to repo costs ( which does not match costs on page 8 ) To further investigate the fraudulent balance, I am requesting the following documentation : - Proof of sale of the repossessed automobile from XXXX XXXX XXXX. This means a document from XXXX XXXX XXXX, not a document from Credit Acceptance. 
- GAP contract issued by the provider for GAP insurance
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (UT)

I contacted quicken loans to look at my refinance options. They pulled credit. Two weeks  later they called back to do a second look. I specifically told them on the phone I didnt want another hard inquiry credit pull. After I hung up with the representative ( XXXX ) I got an alert that there was a new hard inquiry.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 XXXX has me at a score around XXXX. 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 us 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.
Consumer complaint received 2023-09-17
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: Experian Information Solutions Inc. (TX)

I have reached out to XXXX, XXXX XXXX XXXX XXXX multiple times to dispute these incorrect accounts. I have also disputed them via the XXXX credit bureaus multiple times most recently in XX/XX/2023 with no response. These items are detrimental to me providing for my family and my financial well being. I have also asked for my name to be corrected there are several names listed and none of them correct which if they would get back to me they would know these are incorrect accounts just based on the incorrect name alone. Per 15 usc code 1681 they are violating my writes as a consumer.
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

PHH Mortgage Corporation bought my mortgage from XXXX in XX/XX/XXXX. I make/pay my mortgage payment on the XX/XX/XXXX of each month using Bill Pay from  Bank ( XXXX XXXX ), the payment is intended for the following month. For instance I paid the mortagage payment Due XX/XX/XXXX on XX/XX/XXXX. I called PHH in XX/XX/XXXX when I received notice from them that they would be taking over my mortgage and confirmed that they had received the XX/XX/XXXX payment from XXXX and that my next payment due was for XX/XX/XXXX. I made a payment via XXXX XXXX  Bill Pay  on XX/XX/2019 to PHH Mortgage for the XX/XX/XXXX Installment. I then made a payment via XXXX XXXX Bill Pay on XX/XX/2019 to PHH Mortgage for the XXXX Installment. I then went online in XXXX and noticed that neither payment had been received/posted. I called PHH Mortgage and they gave me numerous excuses about why payment had not been posted. They said I put the wrong company name on the payment and then later said it was because I had the wrong account number. They demanded proof of payment from me. I provided my bank statement from XXXX XXXX  showing the ACH payments had been made to them. I even had a representative from XXXX XXXX  call them. They finally posted my XX/XX/2019 payment however they are still refusing to post my XX/XX/2019 payment. My husband and I call every day and the only people we have been able to speak with are in XXXX. They speak very little English and they do not have a solution. On a call three weeks ago they finally told us that they had received our XX/XX/2019 payment but because " we put the incorrect account number on the ACH '' they posted the monies, totaling {$1600.00}, to another account. This was a closed account so they then sent a refund of {$1600.00} to that individual who used to have that account. We are now being told that until and unless those individual return those monies they can not and will not apply the funds to my account. I do not believe this is acceptable. I have a very high credit score and have NEVER missed a mortgage payment. This company is refusing to help and I can not speak with anyone with any kind of authority who can help get this resolved. To make matters worse I am in the process of selling my home and very shortly will be paying off this mortgage. I fear that if this doesn't get handled ASAP PHH will keep my {$1600.00} and I will be out the money. Please help!
Consumer complaint received 2020-01-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Grogan Law Group, LLC (NJ)

I am finding it impossible to stop wage garnishment. no one will help me. I get the run around when I call, and now I am being told that if I want to stop it, I am being told to call one number, then another, and then another, and now that I have to go to the courthouse.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

On XXXX XXXX XXXX I opened a secure credit card with Discover to help build my credit, and was approved on the application. The very next day I contacted the chat and Indicated I made a mistake on the address. I accidentally put the wrong street number, same numbers just incorrect order, the street name, city and zip code was all correct. I was advised wait until the application was approved and the deposit was received and the change of address issue will be simple. On XX/XX/2022 {$200.00} was pulled from my bank for a secured deposit. I then again processed to call discover once the whole process was approved, I was transferred to at least 5 departments in a series of calls that lasted 2days. They told me in order to verify my account and change my address I would have to verify my number and I said fine. However the numbers I provided they stated Could not be verified. 

I have only owed one US number with a major provider and I stopped using them some months ago, The number I signed up with could not be varied even though it was good enough to verify me to take my money. I told them If I can not change the address on the form my neighbors down the road to my address then I would want back my money. They indicated that refunds are only given by check and that check would be sent to the address on the application. I further got upset because XXXX. I am not getting the service, 2. my money was taken, 3. I could not get a refund as they told me the money that came out of my bank can only be sent to an incorrect address. As a result of Discover to help me and after talking to several agents and supervisors I had to contact my bank. 

I contacted my bank and told them discover refuses to provide a service for me and i can not get my money back. This was unfair and I would like my money back. The money was pulled on XX/XX/2022 I received back my money. 

on XX/XX/2022 Discover emailed me to discussed about my account and returned card in the mail. while on the call I asked If i could try to apply for discover card again since the last time I had issues with my address, they indicated yes. I processed to apply and I was denied, I called and asked why I was denied, they indicated that I had an application open even though my account was closed, They have fixed the issue and I can apply gain. 


In all this process I gave up on discover and was trying to gain another credit card a secured one to build my credit. and because of the fact that discover failed to help me change my account, refunded to give me a refund that would actually go to me and had me applying for their credit card multiple times as the indicated I have the go head has lead to multiple credit card attempts on my report, 2. a closed account on my account even though I have never got a chance to use it. 

I approached discover to try and build my credit and my experience with them has led to me being worst off and now unable to get any credit card no time soon from any other company.
Consumer complaint received 2020-01-23
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. (GA)

I tried to have fraudulent data removed from my credit report and customer message service wouldnt help me and Im not able to submit a dispute through Transunions website and Im not able to view my report, updates, or prior disputed information on my Transunion account. The only way I know anything about my Transunion credit file is through the email I received from other credit monitoring services.
Consumer complaint received 2024-09-14
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. (PA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$480.00} XXXXXXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$160.00} XXXXXXXX XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$390.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$500.00}