davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of {$390.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Consumer complaint received 2019-04-27
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: EQUIFAX, INC. (GA)

I CONTACTED EQUIFAX TO DISPUTE ACCOUNT DOES NOT BELONGS TO ME 3 TIMES. ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX TO LET THEM KNOW THIS NOT MY ACCOUNT. CREDITOR HAS NOT PROVIDED ANY PROOF THIS ACCOUNT BELONGS TO ME, THEREFORE SHOULD BE REMOVED OFF MY CREDIT FILE. I'VE NEVER APPLIED FOR ANYTHING IN MY NAME, IM ONLY XXXXYEARS OLD AND IM A XXXX XXXX XXXX.
Consumer complaint received 2019-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I sent XXXX dollars to an individual, XXXX XXXX at XXXX, using XXXX via my Wells Fargo account. This individual promised two concert tickets in return for my money transfer. The tickets never arrived and the seller stopped communication abruptly once the funds were sent. After speaking with an initial Wells Fargo agent, I learned that XXXX account was with XXXX XXXX XXXX. Despite having an authorized XXXX account through XXXX XXXX XXXX, and despite the fact that Wells Fargos XXXX app verified that the name of the account I was sending the money to was in fact XXXX XXXX, both the banks and XXXX have shown very little intiative or interest in solving this issue. This is a clear case of fraud linked to a traceable account. Furthermore, I spent nearly 2 hours talking to multiple Wells Fargo agents who took my information down, put me on hold, and then disappeared for substantial amounts of time before the phone transferred to a new agent. The final agent filed a claim with zero interest in the details of my situation and would only take the basic information. I am very disappointed with Wells Fargos response to this issue. I was frauded on a service that they endorse and promote and make easily accessible to all customers as the most effective way to send money. The fact that they hold zero accountabiltiy for such a service and are unwilling to provide any assistance to long-standing customers in the aftermath of a brazen incident of fraud is disheartening to say the least. This circumstance showed zero concern on Wells Fargos end in regards to working to secure my trust and money and I can not in faith continue with their services unless so measure of concern and interest is shown to the situation.
Consumer complaint received 2024-10-15
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

AFNI, INC has engaged in collection activity prior to validating a debt and has not submitted any documentation to support their claim.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from AFNI via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CT)

CITI bank CBNA has done a hard credit inquiry on my credit record without my approval. 

Incident date XX/XX/2021 company involved CITI CARDS/CITIBANK Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

XXXX Loss mitigation procedures. 

We are filing a complaint because the servicer, Loancare received a loss mitigation application request on XX/XX/2019. On XX/XX/XXXX we confirmed with XXXX in the loss mitigation department that this application for loss mitigation was received. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application. This is an FHA loan. They should be reviewing me for authorization to participate in the program. When we call in we get no information on the review of my application to participate in the FHA - PFS program.
Consumer complaint received 2024-10-18
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. (GA)

Notice of Impending Lawsuit Sue to Erroneous Errors on Credit File To : XXXX, Equifax and XXXX I have previously notified your credit reporting agency in reference to two XXXX XXXXXXXX credit cards that have been placed on my credit report without validation. 

It is my understanding that your agency receives compensation to report this erroneous error. This is official notice that I am disputing these errors despite previous notices. Despite my efforts to resolve the discrepancies, I have not received adequate responses or corrections to my credit report, thus leaving me with no other alternative than to consider legal action. 

Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or incomplete information contained in my report. I have provided supporting documentation and evidence to support my claims. 

As a result of these unresolved errors, I have incurred denial of credit, higher interest rates, and loss of business opportunities, which have negatively impacted my financial standings and overall being.
Consumer complaint received 2024-10-18
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

This complaint is regarding Flagstar Bank. This is a continuous complaint from last year which I thought was resolved and they assured me that I wouldn't have this problem again. Per Flagstar they zeroed out my taxes and just put XXXX in the would-be taxes area, to prevent further collection in the future. My taxes have been deferred on my mortgage since XXXX. Prior to today It also showed that my taxes were deferred in their system as well. Now for the third year in a row, they have paid my deferred taxes resulting in a negative escrow balance for me. As of right now, my escrow account is $ XXXX. A negative escrow account means my payment will go up over 100 %. My taxes are deferred because I am XXXX XXXX XXXX. Flagstar sent the most recent payment to XXXX County on XX/XX/XXXX, even after they corrected the issue last year. This is the third time in a row!!!!! There needs to be a fine at this point. This is egregious and its obvious they care nothing about the well-being of their customers. Please help me again. Thanks.
Consumer complaint received 2019-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MI)

My issue with XXXX XXXX is with obtaining the qualifying payments that I have made as it relates to my PSLF  approval. I was approved for the PSLF program in XX/XX/XXXX and received aa welcome email from XXXX XXXX  advising me of the PSLF approval and that my loans would be transferred and serviced by XXXX XXXX. 

After 4 months of payments I noticed that on my statements and my online profile, there were no qualifying payments listed for me on my account. I sent an email on XX/XX/XXXX and received a reply advising that they would be updating the profile with the qualifying payments. 

On XX/XX/XXXX, I sent another request advising that the payments had not been posted and received a reply email advising that they would soon update the account to include the qualifying payments. 

On XX/XX/XXXX, I sent another email request to advise that no qualifying payments had been updated on my account. I had not received a reply to this email and have waited month after month for the account to be updated with no avail. 

This week I plan to forward my annual application so that my employment at a non-profit can be verified. Please advise on what my next steps should be and if I can receive some assistance in having the account updated to reflect the qualifying payments.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

I made a reservation for a rental car with XXXX. The rental car company in question was XXXX. The Res # is XXXX with an ext ref # XXXX. I used my Chase Saphire Card ending in XXXX. When we arrived at the rental card company to pick-up the car, XXXX could not find our reservation. The counter person said, " This was between me and XXXX. '' Since I was stuck at the airport and needed a rental car, I booked another reservation with XXXX for XXXX. The above are the reference numbers for the car I received. Since I found this to be abnormal I called Chase to see if I had been charged twice. After review of the statement I found that a charge was posted on XX/XX/XXXX and one was showing authorized for the reservation I just made, infact being charged twice. After discussing this with XXXX they refused a refund saying these were non-cancelable / non-refundable reservations. Bottom line is I paid for two cars, received one, and neither Chase nor XXXX was willing to make it right with me. To make things worse, I late received an email from XXXX saying their system was not functioning properly and wanted information about the car that I had.
Consumer complaint received 2019-04-26
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)

I HAVE CONTACTED XXXX AND EQUIFAX THAT THERE WAS FRAUDULENT ITEMS ON MY REPORTS NUMEROUS NUMEROUS TIMES AND CIRCLED THOSE ITEMS ON SAID REPORTS SENT THEM MY POLICE REPORT SPELLING OUT SAID ITEMS WERE FRAUD AND I WAS A VICTIM OF IDENTITY THEFT, AND SENT THEM THE FCRA 605 B LAW STATING THAT THEY MUST REMOVE SAID ITEMS, THEY HAVE REFUSED TO FOLLOW THE LAW FCRA AND HAVE NIT REMOVED ITEMS AND IT HAS IMPACTED MY CREDIT AND GETTING LOANS, JOBS ECT. THEY ARE NOT FOLLOWING TE LAW AND I WANT THEM TO BE HELD ACCOUNTABLE AND I DEMAND THOSE ITEMS REMOVED IMMEDIATELY.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (CA)

I am filing a complaint against Aim Loan. On XXXX XXXX, I scheduled a mortgage payment to process out of my checking account on XXXX XXXX. I did this at Aim Loan 's online mortgage website. On XXXX XXXX and XXXX, I tried to cancel that payment, but I could n't find anywhere to do that online. On XXXX XXXX, I called Aim Loan, and their offices were closed. On XXXX XXXX, I called Aim Loan and got through to customer service. I was informed that I could n't cancel or change the appointment because it was " outside of the change window. '' I asked what the change window was and was told that I had ONE HOUR ( after I scheduled the payment ) to change or cancel that payment. Nowhere on the website ( as confirmed by an Aim Loan supervisor ), does it tell me that I had only ONE HOUR to change or cancel that payment. Had I known that, I would n't have scheduled that payment. The supervisor told me that the only way I would have known that is if I 'd called and asked. I called my bank to stop the payment, and it 's {$20.00} to do that. I will pay it, but I should not have to since there was no information about the ONE HOUR. Also, I have no idea if Aim Loan will also charge me. Please let me know how to proceed.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

Pick up truck was totaled in XXXX of 2019. Insurance paid vehicle in XXXX XXXXAlly Financial has not updated credit bureau.as of XX/XX/2019. XXXX  says I owe {$10000.00}, XXXX  says {$440.00}, XXXX  says account is closed. Also Ally Financial has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (NV)

LJ Ross put a collection on my report for {$75.00} that does not belong to me. I contacted LJ Ross and I was informed it was for an electricity bill for an apartment in Maryland. I have never been to or lived in Maryland. How did a company provide service under a false identity? How is it acceptable to open an account for someone without verifying the identity they provided is theirs? I am in the middle of buying a house and this has created a set back for me. The account was reported on XX/XX/2019 for {$75.00}. This account was fraudulently set up and I willing to provide any required proof that I have never set foot in or lived in Maryland and I did not set up any electric account.
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

Aroun d  X/X/ 17 w e planned an email campaign for  XXXX   XXXX   XXXX      2017.    Time  was of the essence for the promotion. We wanted to try a free trial version of  XXXX  to determine if it was right us. The trial version requires a credit card number, we provided our Citicard. We never received the trial and were simply charged for a years subscription. Although our correct company information was entered, a different account email address was inserted because of some malfunction by  XXXX  's website. This error created a problem so we could not use their service. After explaining the error to  XXXX  support and informing them timing was critical, they were unable to correct the problem. This problem created by their website delayed our promotion and caused us irreparable damage of time and money. We were never able to use their free trial or any other service from  XXXX  because of their error. We asked them to refund the {$710.00} charged to our credit card. Their response was our policy is NO REFUND. This should never have been charged in the first place. We were never able to use their service, and their mistake damaged our promotion. We attempted to dispute the charge with Citicard but  XXXX  denied the dispute, apparently telling Citicard we received something that we never actually received. They offer a free 14 day trial period so even if we used their service ( which we did NOT ) we should have received a refund under the free trial offer. Citicard denied our claim after their review. Their review was apparently accepting the story from  XXXX  who provided no services and simply took {$710.00}. Citicard showed no evidence of how they made their decision and if they would ask for any there would be none! I do not understand how Citicard can simply decide which party is truthful without evidence to support it. On the response from Citicard they had the nerve to accuse us of lying by stating we received the services which we already told them we never received!